Jumia Financials
Jumia (JMIA) reported $188.9M in revenue for fiscal year 2025, up 12.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Jumia's operating losses are narrowing, but the business still depends on non-operating cash sources more than self-funded growth.
In FY2025, free cash flow of-$52.6M sat close to operating cash flow of-$47.9M , so capital spending is not the main reason cash is leaving the business. Cash still rose to$76.7M because investing cash flow added$75.6M , meaning the stronger year-end cash position came from balance-sheet actions rather than a self-funding operation.
From FY2023 to FY2025, net loss margin improved from
Short-term liquidity is no longer roomy: the current ratio fell from 1.8x in FY2024 to 1.1x in FY2025. At the same time, debt-to-equity moved from 0.1x to 0.3x. That shift mostly reflects equity shrinking to
Financial Health Signals
Scored against emerging companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Jumia's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Jumia, and counted as zero in the overall score.
Jumia passes 3 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
Jumia reported a net loss of $61.5M while operations used $47.9M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Jumia generated $188.9M in revenue in fiscal year 2025. This represents an increase of 12.8% from the prior year.
Jumia reported -$61.5M in net income in fiscal year 2025. This represents an increase of 37.9% from the prior year.
Jumia earned -$0.25 per diluted share (EPS) in fiscal year 2025. This represents an increase of 44.4% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Jumia recorded an outflow of $52.6M in free cash flow in fiscal year 2025, representing a cash shortfall after capex. This represents an increase of 13.6% from the prior year.
Jumia held $76.7M in cash against $7.9M in long-term debt as of fiscal year 2025, with $99.0M of liabilities due within a year.
Not reported for fiscal year 2025.
Margins & Returns
Jumia's net profit margin was -32.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 26.6 percentage points from the prior year.
Jumia's ROE was -239.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 124.3 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Jumia invested $4.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 26.8% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
JMIA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $188.9M+12.8% | $167.5M-10.1% | $186.4M-8.3% | $203.3M+21.3% | $167.6M+5.2% | $159.4M-11.2% | $179.5M | N/A |
| Interest Expense | $2.8M+81.5% | $1.5M+42.6% | $1.1M-37.2% | $1.7M+12.0% | $1.5M+0.7% | $1.5M+4.8% | $1.4M | N/A |
| Income Tax | $1.4M-8.5% | $1.5M+133.9% | $661K-90.5% | $7.0M+1479.0% | $442K-85.2% | $3.0M+364.4% | $643K | N/A |
| Net Income | -$61.5M+37.9% | -$99.1M+4.9% | -$104.2M+56.3% | -$238.3M-5.0% | -$226.9M-23.5% | -$183.7M+27.7% | -$254.2M | N/A |
| EPS (Diluted) | -$0.25+44.4% | -$0.45+8.2% | -$0.49+53.8% | -$1.06+0.9% | -$1.07 | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income.
JMIA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $133.6M-30.5% | $192.1M+1.1% | $189.9M-42.5% | $330.2M-42.9% | $578.1M+32.4% | $436.5M+31.0% | $333.3M+105.1% | $162.5M |
| Current Assets | $112.8M-33.4% | $169.3M+0.2% | $169.0M-42.0% | $291.5M-47.3% | $553.0M+33.6% | $413.8M+32.7% | $311.9M+101.3% | $154.9M |
| Cash & Equivalents | $76.7M+38.5% | $55.4M+56.0% | $35.5M-50.4% | $71.6M-38.9% | $117.1M-68.7% | $373.9M+96.1% | $190.7M+65.6% | $115.2M |
| Inventory | $10.1M+57.0% | $6.4M-33.7% | $9.7M-15.2% | $11.4M+4.5% | $10.9M+33.2% | $8.2M-26.7% | $11.2M+3.9% | $10.8M |
| Accounts Receivable | $13.9M-12.0% | $15.8M-31.8% | $23.2M+0.2% | $23.1M+25.9% | $18.4M+39.6% | $13.1M-30.8% | $19.0M+27.5% | $14.9M |
| Total Liabilities | $107.8M+1.9% | $105.8M-12.7% | $121.2M-22.3% | $156.0M-5.8% | $165.5M+2.4% | $161.6M+25.7% | $128.5M+21.9% | $105.5M |
| Current Liabilities | $99.0M+3.5% | $95.7M-18.6% | $117.5M-17.9% | $143.2M-7.4% | $154.6M+2.8% | $150.3M+25.2% | $120.1M+14.3% | $105.0M |
| Long-Term Debt | $7.9M+9.2% | $7.3M+208.0% | $2.4M-72.9% | $8.7M+0.9% | $8.6M-11.5% | $9.8M+41.9% | $6.9M | N/A |
| Total Equity | $25.7M-70.2% | $86.3M+25.6% | $68.7M-60.6% | $174.2M-57.8% | $412.6M+50.1% | $274.9M+34.3% | $204.7M+259.0% | $57.0M |
| Retained Earnings | -$2.2B-2.8% | -$2.2B-5.0% | -$2.1B-5.3% | -$2.0B-13.8% | -$1.7B-9.9% | -$1.6B-26.3% | -$1.2B-24.0% | -$1.0B |
Not reported in any period shown, so not listed: Goodwill.
JMIA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$47.9M+16.2% | -$57.2M+21.6% | -$73.0M+69.6% | -$240.2M-40.3% | -$171.2M-52.3% | -$112.4M+45.0% | -$204.4M | N/A |
| Capital Expenditures | $4.7M+26.8% | $3.7M+63.2% | $2.3M-79.8% | $11.1M+55.6% | $7.2M+214.4% | $2.3M-64.0% | $6.3M | N/A |
| Free Cash Flow | -$52.6M+13.6% | -$60.9M+19.1% | -$75.2M+70.1% | -$251.3M-40.9% | -$178.3M-55.5% | -$114.7M+45.6% | -$210.7M | N/A |
| Investing Cash Flow | $75.6M+827.1% | -$10.4M-116.6% | $62.5M-70.5% | $212.2M+152.4% | -$404.8M-704.6% | $67.0M+188.6% | -$75.6M | N/A |
| Financing Cash Flow | -$6.4M-107.2% | $89.5M+1306.9% | -$7.4M+15.4% | -$8.8M-102.6% | $334.2M+48.5% | $225.0M-37.2% | $358.2M | N/A |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
JMIA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -32.6%+26.6pp | -59.2%-3.3pp | -55.9% | -117.2% | -135.4% | -115.3% | -141.6% | N/A |
| Return on Equity | -239.1%-124.3pp | -114.9%+36.7pp | -151.6%-14.9pp | -136.7%-81.7pp | -55.0%+11.8pp | -66.8%+57.3pp | -124.1% | N/A |
| Return on Assets | -46.1%+5.5pp | -51.6%+3.2pp | -54.9%+17.3pp | -72.2%-32.9pp | -39.3%+2.8pp | -42.1%+34.2pp | -76.3% | N/A |
| Current Ratio | 1.14-0.6x | 1.77+0.3x | 1.44-0.6x | 2.04-1.5x | 3.58+0.8x | 2.75+0.2x | 2.60+1.1x | 1.47 |
| Debt-to-Equity | 0.31+0.2x | 0.080.0x | 0.030.0x | 0.050.0x | 0.020.0x | 0.040.0x | 0.03-1.8x | 1.85 |
| FCF Margin | -27.8%+8.5pp | -36.4%+4.0pp | -40.4% | -123.6% | -106.4% | -72.0% | -117.4% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Jumia Ranks
Frequently Asked Questions
What is Jumia's annual revenue?
Jumia (JMIA) reported $188.9M in total revenue for fiscal year 2025. This represents a 12.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Jumia's revenue growing?
Jumia (JMIA) revenue grew by 12.8% year-over-year, from $167.5M to $188.9M in fiscal year 2025.
Is Jumia profitable?
No, Jumia (JMIA) reported a net income of -$61.5M in fiscal year 2025, with a net profit margin of -32.6%.
How much debt does Jumia have?
As of fiscal year 2025, Jumia (JMIA) had $76.7M in cash and equivalents against $7.9M in long-term debt.
What is Jumia's net profit margin?
Jumia (JMIA) had a net profit margin of -32.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Jumia's return on equity (ROE)?
Jumia (JMIA) has a return on equity of -239.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Jumia's free cash flow?
Jumia (JMIA) recorded an outflow of $52.6M in free cash flow during fiscal year 2025. This represents a 13.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Jumia's operating cash flow?
Jumia (JMIA) recorded an outflow of $47.9M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Jumia's total assets?
Jumia (JMIA) had $133.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Jumia's capital expenditures?
Jumia (JMIA) invested $4.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Jumia's current ratio?
Jumia (JMIA) had a current ratio of 1.14 as of fiscal year 2025, which is considered adequate.
What is Jumia's debt-to-equity ratio?
Jumia (JMIA) had a debt-to-equity ratio of 0.31 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Jumia's return on assets (ROA)?
Jumia (JMIA) had a return on assets of -46.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
How does Jumia's liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, Jumia (JMIA) held $76.7M in cash, cash equivalents and investments, and reported an operating cash outflow of $47.9M over that year. Dividing the one by the other, the reported balance equals about 19 months of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
What is Jumia's Piotroski F-Score?
Jumia (JMIA) has a Piotroski F-Score of 3 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Jumia's earnings high quality?
Jumia (JMIA) reported a net loss of $61.5M while operations used $47.9M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Jumia?
Jumia (JMIA) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its emerging companies peer group. The score is a 0-100 composite of six dimensions (Cash Runway, Dilution, R&D Intensity, Revenue Progress, Burn Trend, Balance Sheet), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.