EN DE
Watch Jumia Technologies AG for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Jumia Technologies AG (JMIA) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Jumia Technologies AG stock $2.48, price $5.65, that is 56.1% below the price, quality 52 out of 100. Rating: strongly overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Consumer Cyclical US · Based in Germany

JT Jumia Technologies AG logo Thin data Nov 10, 2026

Jumia Technologies AG

JMIA · US
Very expensive, in a downtrend

Our calculation puts a fair price 56% below what the stock costs today.

Low debt
Quality 52/100
Insiders bought $0 (6M) · sold $141,800
Fair value $2.48 · Strongly overvalued
Weak Growth (revenue 5y −0.7 %/yr in USD)
Loss-making · -27.5% net margin (TTM)
Negative free cash flow
Trails peers (2/10)
Narrow moat 16/100
Thin data
Estimate
Watch Jumia Technologies AG for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$21.99 $1.73 Fair Value $2.48 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $1.73 – $21.99 · fair‑value band $1.86 – $3.10 · the $5.65 price screens above the $2.48 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

Follow Jumia Technologies in your weekly email

Every Wednesday you see whether Jumia Technologies is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Jumia Technologies AG operates an e-commerce platform in West Africa, North Africa, East and South Africa, Europe, the United Arab Emirates, and internationally.

Show moreShow less

The company's platform consists of marketplace that connects sellers with customers; logistics service, which enables the shipment and delivery of packages from sellers to consumers; and payment service with its network of licensed payment service providers and other partners, which facilitates transactions to participants active on the company's platform in selected markets under the Jumia name.

Its marketplace offers various products in a range of categories, including phones, electronics, home and living, fashion, beauty, and fast-moving consumer goods. In addition, the company provides logistics and payment gateway services.

It serves through consumers, retailers, distributors, and other corporate buyers. The company was formerly known as Africa Internet Holding GmbH and changed its name to Jumia Technologies AG in January 2019. Jumia Technologies AG was incorporated in 2012 and is headquartered in Berlin, Germany.

Stock analysis

Jumia Technologies AG (JMIA) currently trades at $5.65, while our estimate is $2.48, 56% below the price, so the stock looks overvalued today.

Show more

Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $1.86 (bear) to $3.10 (bull), the price of $5.65 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Consumer Cyclical sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Jumia Technologies AG reported revenue of $189M in FY2025 versus $168M in FY2021, a compound +3.0%/yr. Reported net income was −$61.5M in FY2025.

Key figures

Market cap $764M Small · P/S ratio 3.62 · EPS (TTM) $−0.4800 · Net margin −27.5% · Return on equity −216% · Return on assets (EBIT) −44.1% (5-year average) · Operating margin −23.8% · Revenue (TTM) $210M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 16 out of 100 (medium confidence).

What moves the price

The share trades about 61% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at 19% fair-value upside, at −56%, JMIA screens richer than that median.

Fair Value

Bear $1.86 Fair Value $2.48 Bull $3.10
Price $5.65 · Downside -56.1%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 72
Are margins and returns getting better?
Cashflow 6
Do the profits arrive as real cash?
Financial strength 52
Debt, balance sheet and risk of trouble
Investment 99
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 18
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 3
Distance to the 52-week high, does not count
New shares 84
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $0, on Aug 12, 2026. Over the same period, one person sold shares worth $141,800.

  • BuyHassanein Shahreza HiridjeeDirector905,797 shares at ?Aug 12, 2026
  • SaleAntoine Maillet-MezerayEVP Finance & Operations, Director20,000 shares at $7.09$141,800May 18, 2026

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 9, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 9/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+12.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.7%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−106.9% (2020) → −33.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

JMIA screens overvalued: fair value 56% below the price. Compare with Amazon.com, Inc →

Compare Jumia Technologies AG with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Internet Retail · 118 stocks

Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −56.1% · Bottom 25%
Profitability
Return on assets −46.1% · Bottom 25%
Net margin (12 months) −27.5% · Bottom 25%
Operating margin (12 months) −23.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 13.9% · Above median
Balance sheet
Debt / equity 0.09× · Below median

Valuation Multiplesvs Internet Retail median · lower = cheaper

P/B 29.09× · Priciest 25%
P/S (12 months) 3.65× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 38
FUTURE (revenue growth)70 · sector 58
PAST (return on equity)0 · sector 9
HEALTH (low debt)96 · sector 92
DIVIDEND (yield)0 · sector 63

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Internet Retail stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
PDD Holdings PDD $80.50 $241.50 +200% vs JMIA
Sea Limited SE $77.96 $129.32 +66% vs JMIA
Prosus N.V PRX €37.49 €52.15 +39% vs JMIA
JD.com, Inc 9618 HK$112.10 HK$150.10 +34% vs JMIA
MercadoLibre, Inc MELI $1,533 $1,830 +19% vs JMIA
Alibaba Group BABA $105.38 $120.46 +14% vs JMIA
DoorDash, Inc DASH $180.96 $199.06 +10% vs JMIA
Amazon.com, Inc AMZN $266.93 $140.05 −48% vs JMIA
eBay Inc EBAY $120.97 $60.00 −50% vs JMIA
Coupang, Inc CPNG $16.42 $4.98 −70% vs JMIA

Explore undervalued stocks

More undervalued Consumer Cyclical stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low StocksStocks for 2027: Large Companies Below Fair Value

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Jumia Technologies AG: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Jumia Technologies AG Fair Value". https://www.fairvalue-calculator.com/stock/JMIA

Frequently asked questions

Is Jumia Technologies AG (JMIA) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $2.48 versus a price of $5.65, about 56% lower (overvalued).
What is the fair value of JMIA?
Our estimate for Jumia Technologies AG is $2.48 (as of Nov 10, 2026), built from audited fundamentals. The current price: $5.65.
What is the quality score of JMIA?
Jumia Technologies AG has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Jumia Technologies AG (JMIA)?
Our calculated price target is the estimate of $2.48 (as of Nov 10, 2026). Cautious scenario $1.86, optimistic scenario $3.10. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Jumia Technologies AG stock forecast for 2026?
Our estimate puts fair value at $2.48, about 56% lower versus a price of $5.65 (overvalued). Cautious scenario $1.86, optimistic scenario $3.10. The calculation is refreshed regularly with new filings.
What is the revenue of Jumia Technologies AG (JMIA)?
Jumia Technologies AG reported trailing-twelve-month revenue of about $210M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Jumia Technologies AG (JMIA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jumia Technologies AG it is $2.48 per share (as of Nov 10, 2026), against a price of $5.65.
Is Jumia Technologies AG stock overvalued or undervalued in 2026?
As of Nov 10, 2026, JMIA trades above its calculated fair value: price $5.65, fair value $2.48, a gap of about −56% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JMIA?
No. The price is what the market pays today ($5.65); the fair value is what the company's own numbers justify ($2.48). For Jumia Technologies AG the two are $3.17 per share apart. That gap is exactly why we show both numbers side by side.
How much is Jumia Technologies AG worth?
The market values Jumia Technologies AG at about $764M (market capitalisation, as of Nov 10, 2026). Per share that is $5.65; our models calculate a fair value of $2.48 per share.
What do the bullish and bearish scenarios say about JMIA?
Our models span a range for Jumia Technologies AG: cautious scenario $1.86, base $2.48, optimistic $3.10 per share (as of Nov 10, 2026, price $5.65). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Jumia Technologies AG (JMIA)?
Balance-sheet figures for Jumia Technologies AG (as of Nov 10, 2026): return on equity −216.2%, debt of 0.09 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is JMIA from its 52-week high?
Jumia Technologies AG trades at $5.65, about 61% below its 52-week high of $14.60 and 11% above the low of $5.11 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of $2.48 is for.
Which stocks are comparable to Jumia Technologies AG?
From the same area (Consumer Cyclical) we also value Amazon.com, Inc, Alibaba Group, PDD Holdings, Prosus N.V, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Jumia Technologies AG stock attractive at the current price?
The data as of Nov 10, 2026: price $5.65, calculated fair value $2.48 (−56%), Quality Score 52/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.2% above its aggregate fair value. Jumia Technologies AG itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Jumia Technologies AG (JMIA)?
The closing price on Nov 9, 2026 was $5.65. Our estimate is $2.48, about 56% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jumia Technologies AG right now?
The price sits above even our optimistic bull case ($3.10). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.

Key figures of Jumia Technologies AG

How large is the market capitalisation of Jumia Technologies AG (JMIA)?
The market capitalisation of Jumia Technologies AG is $764M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Jumia Technologies AG (JMIA)?
The price-to-sales ratio of Jumia Technologies AG is 3.62 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Jumia Technologies AG (JMIA)?
Earnings per share at Jumia Technologies AG are $−0.4800. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Jumia Technologies AG (JMIA)?
The net margin of Jumia Technologies AG is −27.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Jumia Technologies AG (JMIA)?
The return on equity (ROE) of Jumia Technologies AG is −216% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Jumia Technologies AG (JMIA)?
On an EBIT basis the return on assets of Jumia Technologies AG is −44.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Jumia Technologies AG (JMIA)?
The operating margin of Jumia Technologies AG is −23.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jumia Technologies AG (JMIA)?
Revenue at Jumia Technologies AG is growing +13.9% versus a year earlier (3y avg −2.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Jumia Technologies AG (JMIA) generate?
The free cash flow of Jumia Technologies AG is −$52.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Jumia Technologies AG (JMIA) hold?
Jumia Technologies AG holds more cash than debt, $64.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch Jumia Technologies AG in the live analysis

One click puts Jumia Technologies AG on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.