JMIA NYSE Retail-Catalog & Mail-Order Houses Financials FY2019βFY2025
Jumia Technologies AG had $189M of revenue in fiscal 2025, up 12.8% on the year before. Over five years, revenue changed +3.5% a year on average.
Last close Β· Oct 23, 2026
$5.70
3.6%Hi! I read Jumia Technologies AGβs latest annual report (fiscal 2025). Here is what stands out:
Good So-so Weak
Are sales growing?
+12.8%
Yes. Sales grew 12.8% last year.
Does it make a profit?
β32.6%
No. It lost money last year.
Does profit turn into cash?
β27.8%
No. It spent more cash than it brought in.
How healthy are the accounts?
3 / 9
Weak. It passes 3 of 9 health tests.
How is the share priced?
β
No P/E: it made no profit over the last four quarters.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Is it selling more, and how much does it keep?
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Jumia Technologies AG did it, and the next one. Share prices often move a lot on those days.
Next results
November 11, 2026
Wednesday Β· in 16 days
| Date | Results for | Time | Source |
|---|---|---|---|
| Feb 24, 2026 | Period ended Dec 31, 2025 | Before the market opens | 20-F β |
| Mar 7, 2025 | Period ended Dec 31, 2024 | After the market closes | 20-F β |
| Mar 28, 2024 | Period ended Dec 31, 2023 | After the market closes | 20-F β |
| May 16, 2023 | Period ended Dec 31, 2022 | After the market closes | 20-F β |
| Apr 29, 2022 | Period ended Dec 31, 2021 | After the market closes | 20-F β |
| Mar 12, 2021 | Period ended Dec 31, 2020 | After the market closes | 20-F β |
| Apr 3, 2020 | Period ended Dec 31, 2019 | After the market closes | 20-F β |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
KIRA Β· Jumia Technologies AG had $189M of revenue in fiscal 2025, up 12.8% on the year before. Over five years, revenue changed +3.5% a year on average. Its operating margin was β33.5%, up 6.0Β pts: of every 100 in sales, about β33 is left after running the business.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
Revenue
Margins, % of revenue
Margins, % of revenue
KIRA Β· Jumia Technologies AG lost $61.6M in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
Net income
Diluted EPS
Diluted EPS
How much cash comes in, and where does it go?
KIRA Β· Free cash flow was β$52.6M in fiscal 2025, β27.8% of revenue.
Cash from operations minus capital spending.
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations vs capital spending
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
Diluted shares outstanding (annual)
KIRA Β· No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
No open-market insider trades in the last 12 months.
Can it carry its debts, and how well does it use its money?
KIRA Β· Jumia Technologies AG has $64.9M more cash than debt.
Cash, debt and the ratios that show how comfortably Jumia Technologies AG can carry it.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Cash vs debt (incl. leases)
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $117M | $71.6M | $35.5M | $55.4M | $76.7M |
| Debt incl. finance leases | $12.5M | $13.8M | $6.1M | $11.2M | $11.7M |
| Debt / equity | 0.0x | 0.1x | 0.1x | 0.1x | 0.4x |
| Interest coverage | β21.4x | β10.3x | β2.3x | β1.7x | β10.3x |
| Current ratio | 3.6x | 2.0x | 1.4x | 1.8x | 1.1x |
| Quick ratio | 3.5x | 2.0x | 1.4x | 1.7x | 1.0x |
| Total assets | $578M | $330M | $190M | $192M | $134M |
| Total liabilities | $166M | $156M | $121M | $106M | $108M |
| Shareholders' equity | $413M | $175M | $69.2M | $86.8M | $26.3M |
| Net debt (β = net cash) | β$105M | β$57.7M | β$29.4M | β$44.2M | β$64.9M |
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Return on capital, equity and assets (annual)
KIRA Β· Jumia Technologies AG passes 3 of 9 financial health tests (Piotroski F-score).
Nine pass/fail tests of profitability, funding and efficiency. 8β9 is strong, 0β2 weak.
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
| Test | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|
| Net income is positive | β | β | β | β | β | β | β |
| Cash from operations is positive | β | β | β | β | β | β | β |
| Return on assets rose | β | β | β | β | β | β | β |
| Cash from operations exceeds net income | β | β | β | β | β | β | β |
| Debt fell relative to assets | β | β | β | β | β | β | β |
| Current ratio rose | β | β | β | β | β | β | β |
| Share count didn't rise | β | β | β | β | β | β | β |
| Gross margin rose | β | β | β | β | β | β | β |
| Revenue rose relative to assets | β | β | β | β | β | β | β |
| F-score | β / 3 | 5 / 9 | 4 / 9 | 1 / 9 | 4 / 9 | 4 / 9 | 3 / 9 |
| Accruals ratio | β14.8% | β18.5% | β11.0% | 0.4% | β12.0% | β21.9% | β8.4% |
| Altman Z'' | β11.82 | β8.57 | β5.15 | β19.34 | β35.65 | β35.75 | β56.70 |
Every number, year by year.
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | $180M | $159M | $168M | $203M | $186M | $167M | $189M |
| Gross profit | $84.9M | $108M | $101M | $118M | $107M | $99.5M | $102M |
| Operating income | β$255M | β$170M | β$222M | β$202M | β$73.3M | β$66.0M | β$63.2M |
| Interest expense | $2.9M | $16.0M | $10.3M | $19.6M | $31.5M | $38.9M | $6.1M |
| Pretax income | β$254M | β$181M | β$226M | β$231M | β$104M | β$97.6M | β$60.1M |
| Income tax | $0.6M | $3.0M | $0.4M | $7.0M | $0.7M | $1.5M | $1.4M |
| Net income | β$254M | β$184M | β$227M | β$238M | β$104M | β$99.1M | β$61.6M |
| Net income to common | β$254M | β$184M | β$227M | β$238M | β$104M | β$99.1M | β$61.6M |
| Diluted EPS | β$3.60 | β$2.28 | β$2.34 | β$2.38 | β$1.04 | β$0.90 | β$0.50 |
| Diluted shares | 0.07B | 0.08B | 0.10B | 0.10B | 0.10B | 0.11B | 0.12B |
| Cash flow | |||||||
| Cash from operations | β$204M | β$112M | β$171M | β$240M | β$73.0M | β$57.2M | β$47.9M |
| Capital expenditure | $6.3M | $2.3M | $7.2M | $11.1M | $2.3M | $3.7M | $4.7M |
| Free cash flow | β$211M | β$115M | β$178M | β$251M | β$75.2M | β$60.9M | β$52.6M |
| Depreciation and amortization | $8.9M | $9.3M | $9.7M | $11.6M | $9.8M | $8.3M | $7.9M |
| Stock-based compensation | $41.7M | $24.7M | $34.5M | $8.2M | $5.3M | $6.5M | $4.7M |
| Balance sheet | |||||||
| Cash and short-term investments | $191M | $374M | $117M | $71.6M | $35.5M | $55.4M | $76.7M |
| Total debt | $10.3M | $13.4M | $12.5M | $13.8M | $6.1M | $11.2M | $11.7M |
| Deposits | β | $0.5M | $1.5M | $1.1M | $0.7M | $0.6M | $0.7M |
| Current assets | $312M | $414M | $553M | $291M | $169M | $169M | $113M |
| Current liabilities | $120M | $150M | $155M | $143M | $118M | $95.7M | $99.0M |
| Inventory | $11.2M | $8.2M | $10.9M | $11.4M | $9.7M | $6.4M | $10.1M |
| Property and equipment, net | $19.6M | $20.3M | $21.8M | $28.5M | $14.4M | β | β |
| Intangible assets | $0.1M | $0.5M | $0.3M | β | β | β | β |
| Total assets | $333M | $436M | $578M | $330M | $190M | $192M | $134M |
| Total liabilities | $129M | $162M | $166M | $156M | $121M | $106M | $108M |
| Shareholders' equity | $205M | $275M | $413M | $175M | $69.2M | $86.8M | $26.3M |
| Margins | |||||||
| Gross margin | 47.3% | 67.7% | 60.5% | 58.1% | 57.5% | 59.4% | 53.9% |
| Operating margin | β142.1% | β106.9% | β132.2% | β99.3% | β39.3% | β39.4% | β33.5% |
| EBITDA margin | β137.1% | β101.1% | β126.4% | β93.5% | β34.0% | β34.5% | β29.3% |
| Net margin | β141.3% | β115.3% | β135.3% | β117.2% | β55.9% | β59.2% | β32.6% |
| FCF margin | β117.4% | β72.0% | β106.4% | β123.6% | β40.4% | β36.3% | β27.8% |
| Returns | |||||||
| Return on capital | β807.9% | β | β56.7% | β136.3% | β145.4% | β122.3% | β |
| Return on capital employed | β119.6% | β59.5% | β52.3% | β107.9% | β101.3% | β68.5% | β183.1% |
| Return on equity | β123.6% | β76.4% | β65.9% | β81.1% | β85.4% | β127.0% | β108.9% |
| Return on assets | β76.1% | β47.7% | β44.7% | β52.5% | β40.0% | β51.9% | β37.8% |
| Return on tangible equity | β123.6% | β66.8% | β55.0% | β136.4% | β150.4% | β114.2% | β234.3% |
| Growth | |||||||
| Revenue growth | β | β11.2% | 5.2% | 21.3% | β8.3% | β10.1% | 12.8% |
| Share count change | β | 14.2% | 20.6% | 3.4% | 0.7% | 9.0% | 12.3% |
| Financial health | |||||||
| Debt / equity | 0.1x | 0.0x | 0.0x | 0.1x | 0.1x | 0.1x | 0.4x |
| Interest coverage | β88.4x | β10.6x | β21.4x | β10.3x | β2.3x | β1.7x | β10.3x |
| Current ratio | 2.6x | 2.8x | 3.6x | 2.0x | 1.4x | 1.8x | 1.1x |
| Quick ratio | 2.5x | 2.7x | 3.5x | 2.0x | 1.4x | 1.7x | 1.0x |
| Capital allocation | |||||||
| Capex / revenue | 3.5% | 1.4% | 4.3% | 5.5% | 1.2% | 2.2% | 2.5% |
| Stock comp / revenue | 23.2% | 15.5% | 20.6% | 4.1% | 2.8% | 3.9% | 2.5% |
| Quality scores | |||||||
| Piotroski F-score | β | 5.0 | 4.0 | 1.0 | 4.0 | 4.0 | 3.0 |
| Altman Z'' | β11.8 | β8.6 | β5.1 | β19.3 | β35.7 | β35.7 | β56.7 |
| Accruals ratio | β14.8% | β18.5% | β11.0% | 0.4% | β12.0% | β21.9% | β8.4% |
Source: SEC EDGAR XBRL filings (CIK 0001756708). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. Per-share figures are per US-listed share (1 ADS = 2 ordinary shares). For information only β not investment advice. Check the original filings before relying on any figure.
