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JMIAJumia Technologies AG
$6.94$430M
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  4. Financial Ratios

Jumia Technologies AG (JMIA) Financial Ratios

Latest Ratios: P/E Ratio -6.8x · EV/EBITDA N/A · ROE -109.9%. (2017–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

JMIA Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
Market Cap$430M$765M$234M$356M$322M$1.1B$3.2B$473M——
Enterprise Value$365M$700M$190M$333M$264M$1.0B$2.9B$293M——
P/E Ratio →-6.80—————————
P/S Ratio2.284.051.401.911.586.5916.592.32——
P/B Ratio16.5129.722.715.181.852.6811.792.31——
P/FCF——————————
P/OCF——————————

P/E links to full P/E history page with 30-year chart

JMIA EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
EV / Revenue—3.711.131.791.305.9714.741.44——
EV / EBITDA——————————
EV / EBIT——————————
EV / FCF——————————

JMIA Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
Gross Margin52.8%52.8%59.4%57.5%58.1%60.5%67.7%47.3%34.3%29.3%
Operating Margin-33.9%-33.9%-39.4%-39.3%-99.3%-132.2%-106.9%-142.1%-131.5%-166.2%
Net Profit Margin-32.6%-32.6%-59.2%-55.9%-117.2%-135.3%-115.3%-141.3%-131.8%-173.6%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
ROE-109.9%-109.9%-127.8%-85.7%-81.2%-66.0%-93.9%-210.9%-922.8%—
ROA-37.8%-37.8%-51.9%-40.0%-52.5%-44.7%-58.5%-109.1%-157.7%-226.1%
ROIC-3297.9%-3297.9%-113.1%-67.9%-71.3%-149.4%—-889.6%——
ROCE-97.8%-97.8%-78.2%-56.5%-66.1%-62.4%-83.6%-205.6%-920.9%—

JMIA Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
Debt / Equity0.460.460.130.180.080.030.050.05——
Debt / EBITDA——————————
Net Debt / Equity—-2.52-0.51-0.34-0.33-0.25-1.31-0.88-2.02—
Net Debt / EBITDA——————————
Debt / FCF——————————
Interest Coverage-8.72-8.72-25.13-34.22-59.31-59.55-62.27-46.72-61.60-106.07

Net cash position: cash ($77M) exceeds total debt ($12M)

JMIA Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
Current Ratio1.141.141.771.442.043.582.752.601.470.79
Quick Ratio1.041.041.701.361.963.502.692.481.370.68
Cash Ratio0.790.791.401.031.593.322.502.171.090.35
Asset Turnover—1.410.870.980.620.290.450.610.911.30
Inventory Turnover8.838.8310.578.187.445.307.027.749.006.98
Days Sales Outstanding—40.1742.9952.1556.1348.0431.6141.6341.8874.49

JMIA Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
Dividend Yield——————————
Payout Ratio——————————

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017
Earnings Yield——————————
FCF Yield——————————
Buyback Yield0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%——
Total Shareholder Yield0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%——
Shares Outstanding—$61M$61M$101M$100M$97M$80M$70M$77M$76M

Key Metrics

Growth RegimeMixed
ProfitabilityNegative
Balance SheetVulnerable
Cash FlowBurning
Top Statement Risk

Liquidity and currency volatility

Distressed Valuation Reflects Operational Uncertainty

Based on reported figures, Jumia's P/S ratio of 2.09 suggests the market is pricing the firm as a distressed venture-style asset rather than a mature e-commerce platform, with the absence of positive P/E or EV/EBITDA multiples highlighting the lack of a clear path to near-term profitability.

The current valuation multiple appears to be heavily discounted compared to regional peers like MercadoLibre, reflecting the significant 'frontier market' risk premium investors demand. This pricing suggests that the market remains skeptical of the company's ability to convert its proprietary logistics network into a sustainable, profit-generating engine.

Working Capital Dynamics Mask Operational Realities

According to recent financial statements, Jumia's cash conversion cycle remains deeply negative, reaching -170 days in 2026Q1, which indicates that the company is effectively utilizing supplier credit to finance its operations, though this reliance on extended payables warrants further investigation into potential vendor relationship risks.

The negative CCC is primarily driven by exceptionally high days payable outstanding, which has consistently exceeded 200 days in recent periods. While this provides a temporary liquidity buffer, it may indicate structural difficulties in maintaining standard trade terms, potentially limiting the company's bargaining power with key suppliers.

Liquidity Buffer Under Increasing Pressure

As reported in quarterly filings, the current ratio has tightened to 1.02 in 2026Q1, signaling that Jumia's ability to cover short-term obligations is becoming increasingly constrained as the company continues to burn through its remaining cash reserves to support its core retail and logistics operations.

The decline in the quick ratio to 0.93 suggests that the company's liquidity position is becoming highly dependent on inventory turnover, which is inherently risky in volatile frontier markets. Investors should monitor whether this tightening liquidity forces further, potentially value-destructive, capital-raising activities in the near future.

Misapplication of Standard Retail Metrics

The most commonly misapplied metric for Jumia is the standard P/E ratio, which obscures the company's true economic reality by focusing on bottom-line earnings that are currently non-existent due to heavy investment in infrastructure and the ongoing rationalization of the firm's cost structure.

Using P/E to evaluate Jumia is fundamentally flawed because it ignores the company's transition from a pure-play retailer to a logistics and payments infrastructure provider. Analysts should instead focus on metrics like 'Fulfillment Expense per Order' or 'JumiaPay TPV' to better gauge the underlying health and scalability of the business model.

Download Financial Ratios Data

Includes 30+ ratios · 9 years · Updated daily

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JMIA — Frequently Asked Questions

Quick answers to the most common questions about buying JMIA stock.

What is Jumia Technologies AG's P/E ratio?

Jumia Technologies AG's current P/E ratio is -6.8x. This places it at the 50th percentile of its historical range.

What is Jumia Technologies AG's ROE?

Jumia Technologies AG's return on equity (ROE) is -109.9%. The historical average is -110.8%.

Is JMIA stock overvalued?

Based on historical data, Jumia Technologies AG is trading at a P/E of -6.8x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What are Jumia Technologies AG's profit margins?

Jumia Technologies AG has 52.8% gross margin and -33.9% operating margin.