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JMIA

Jumia Technologies AG

JMIA

Jumia Technologies AG • NYSE
$12.68 ▲ 6.29% (+0.75)
Market Cap $776.41 M
52w High $13.14
52w Low $1.60
Dividend Yield 0%
P/E -18.93
Volume 4.57M
Outstanding Shares 61.23M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $45.632M ▼ $41.178M ▲ $-17.939M ▼ -39.312% ▼ $-0.3 ▼ $-14.324M ▼
Q2-2025 $45.642M ▲ $40.462M ▲ $-16.592M ▲ -36.352% ▲ $-0.28 $-11.53M ▲
Q1-2025 $36.261M ▼ $38.557M ▼ $-16.71M ▲ -46.083% ▼ $-0.28 ▲ $-13.436M ▲
Q4-2024 $45.688M ▲ $41.215M ▼ $-19.533M ▼ -42.753% ▲ $-0.32 ▼ $-48.329M ▼
Q3-2024 $36.431M $42.992M $-16.9M -46.389% $-0.14 $-15.6M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $82.528M ▼ $144.259M ▼ $109.321M ▲ $35.485M ▼
Q2-2025 $98.282M ▼ $160.736M ▼ $107.724M ▲ $53.56M ▼
Q1-2025 $110.698M ▼ $174.758M ▼ $106.444M ▲ $68.832M ▼
Q4-2024 $133.945M ▼ $192.072M ▼ $105.786M ▼ $86.792M ▼
Q3-2024 $164.582M $222.284M $119.887M $102.926M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $-17.68M ▼ $-12.399M ▲ $978K ▼ $-1.816M ▼ $-14.069M ▼ $-13.767M ▼
Q2-2025 $-16.27M ▲ $-12.683M ▲ $46.379M ▲ $-1.772M ▼ $33.909M ▲ $-13.42M ▲
Q1-2025 $-16.486M ▲ $-21.175M ▲ $29.754M ▲ $-1.104M ▲ $6.284M ▲ $-22.046M ▲
Q4-2024 $-17.647M ▲ $-26.477M ▲ $-605K ▲ $-3.57M ▼ $-30.466M ▼ $-28.359M ▼
Q3-2024 $-17.79M $-26.815M $-30.57M $95.851M $40.769M $-27.685M

Revenue by Products

Product Q3-2020Q4-2020
Commissions
Commissions
 $10.00M ▲$10.00M ▲
Fulfillment
Fulfillment
 $10.00M ▲$10.00M ▲
Marketing
Marketing
 $0 ▲$0 ▲
Other Revenue
Other Revenue
 $0 ▲$0 ▲
Sales Of Goods
Sales Of Goods
 $10.00M ▲$10.00M ▲
Value Added Services
Value Added Services
 $0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has been fairly flat over the past several years, with only small ups and downs, rather than strong growth. The good news is that Jumia is consistently generating positive gross profit, which means its core services are priced above direct costs. The challenge is further down the income statement: operating losses and net losses remain significant, although they have become somewhat smaller compared with the worst years. Overall, the story is one of a company that has not yet reached scale or efficiency enough to cover its overhead, but is slowly moving in a more disciplined, loss-narrowing direction.

Balance Sheet

Balance Sheet The balance sheet today looks leaner than a few years ago. Total assets and the cash pile have come down meaningfully compared with earlier years, reflecting ongoing losses and a shift away from a “heavy” capital base. On the positive side, debt levels are very low, so the company is not heavily burdened by interest obligations. Equity is still positive but has been eroded over time by repeated losses. In simple terms, Jumia still has a cushion, but it is thinner than before, and the company has less room for prolonged cash burn than it once did.

Cash Flow

Cash Flow Jumia continues to use cash rather than generate it. Operating cash flow has been negative every year, and free cash flow follows the same pattern, though the outflows appear smaller now than during its peak burn years. Capital spending has been kept very tight, suggesting strict discipline on new investments and a focus on squeezing more from existing infrastructure. The key question from a cash-flow perspective is how quickly the business can close the gap between its current cash burn and eventual break-even, given that there is no clear history yet of sustained cash generation.

Competitive Edge

Competitive Edge Jumia holds a rare position as a pan-African e-commerce and digital services player, with an integrated offering that includes marketplace, logistics, and payments. Its early-mover status, local know‑how, and proprietary logistics network give it clear advantages in markets that are operationally complex. JumiaPay and the extensive pick‑up station network deepen customer and merchant engagement and make the platform harder to replicate. At the same time, the company operates in a challenging environment: fragmented markets, infrastructure constraints, and rising competition from both local and global players. Its competitive edge rests on continuing to improve service quality, scale usage, and convert its ecosystem into sustainable profits before rivals close the gap.

Innovation and R&D

Innovation and R&D Innovation is tightly linked to solving African market frictions rather than blue‑sky research. Jumia has invested heavily in its own logistics technology, routing systems, and network of pick‑up points to handle difficult last‑mile delivery. JumiaPay is another key pillar, evolving from a checkout tool into a broader financial services hub with bills, top‑ups, and emerging credit solutions like “Buy Now, Pay Later.” The company is also experimenting with logistics-as-a-service for third parties and forming partnerships in connectivity, smartphones, and customer engagement tools. These moves aim to squeeze more value from its existing rails. The upside is a richer, more defensible platform; the risk is execution complexity, added credit and regulatory exposure in fintech, and the need to prove that these innovations can materially improve profitability, not just usage.

Summary

Jumia is in the middle of a long transition: from a cash-burning growth story to a more focused, efficiency-driven e-commerce and fintech platform. Financially, it still posts sizable losses and negative cash flow, but the trend line shows gradual improvement and tighter cost control. The balance sheet is no longer as strong as it once was, yet remains relatively clean thanks to low debt. Strategically, the company’s strength lies in its integrated ecosystem—marketplace, logistics, and payments—designed specifically for African realities, supported by a decade of on‑the‑ground learning. The big open questions are how quickly it can turn this infrastructure and innovation into durable, self-funding profitability, and how well it can fend off rising competition and macro volatility across its markets. The long-term outcome will depend on disciplined execution, continued customer adoption of JumiaPay and logistics services, and a clear path from growth to sustainable returns.

NEWS

November 12, 2025 · 6:45 AM UTC

Jumia Reports Third Quarter 2025 Results

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October 28, 2025 · 10:00 AM UTC

INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Jumia Technologies AG - JMIA

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October 23, 2025 · 10:00 AM UTC

INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Jumia Technologies AG - JMIA

Read more

October 20, 2025 · 7:30 AM UTC

Jumia to Announce Third Quarter 2025 Results on November 12, 2025

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October 6, 2025 · 7:30 AM UTC

Jumia to Host Investor Day on November 13, 2025

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