# Jumia Technologies AG each representing two (JMIA) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Consumer Cyclical / General & Online Retail. Price $5.16, market value $690 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Jumia Technologies AG each representing two reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 3.3×**. Each dollar of revenue is priced at 3.3×.
- **Price / book: 26.8×**. The shares trade at 26.8× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: -6.2%** (5-yr avg -13.3%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Gross margin: 56.3%**. Jumia Technologies AG each representing two keeps 56.3% of revenue after the direct cost of what it sells.
- **Operating margin: -25.3%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -32.6%**. The company reported a net loss over the last twelve months.
- **Return on equity: -239.1%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 135.2%**. Return on all capital, debt included, is 135.2%: comfortably above what that capital costs.
- **Return on assets: -43.2%**. Each dollar of assets produces -43.2% of profit.

## Growth
- **Revenue growth (1 yr): 12.8%** (3-yr -2.4%/yr, 5-yr 3.5%/yr). Revenue grew 12.8% over the last year, against 3.5% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 44.4%**. Earnings per share rose 44.4%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Debt to equity: 0.46**. Debt is 0.46 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 1.4×**. It would take 1.4 years of operating earnings to repay net borrowings, within the comfortable range.
- **Current ratio: 1.14** (quick 1.14). Current assets cover the next year's liabilities 1.14 times.
- **Altman Z-score: 4.08**. A Z-score of 4.08 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend: none**. Jumia Technologies AG each representing two does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -51.9%** (YTD -58.0%, 3-mo -13.8%). The shares are down 51.9% over twelve months including dividends.
- **From 52-week high: -64.9%** (3.8% above the low). Trading 65% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 30**. An RSI of 30 is neutral.
- **Beta (1 yr): 2.57** (volatility 64%). Beta of 2.57 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=JMIA · Page: https://foliofundamentals.com/stocks/jmia

Not investment advice.