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Jumia Technologies AGJMIA -1.34%67 Cash-to-Debt is 3.47 as of Jun. 2026, which is 81% below its 10-year median of 18.53. GuruFocus rates JMIA with a GF Score™ of 67/100 and a GF Value™ of $4.98 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,117 Retail - Cyclical companies, Jumia Technologies AG ranks better than 81.2% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Jumia Technologies AG's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.47.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Jumia Technologies AGcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Jumia Technologies AG's Cash-to-Debt or its related term are showing as below:
JMIA'
s Cash-to-Debt Range Over the Past 10 Years
Min: 3.47 Med: 18.53 Max: No Debt
Current: 3.47
During the past 9 years, Jumia Technologies AG's highest Cash to Debt Ratio was No Debt. The lowest was 3.47. And the median was 18.53.
JMIA's Cash-to-Debt is ranked better than 81.2% of 1117
companies
in the Retail - Cyclical industry
Industry Median: 0.47
vs JMIA: 3.47
Jumia Technologies AG (NYSE:JMIA) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Jumia Technologies AG Cash-to-Debt Related Terms
Jumia Technologies AG Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Jumia Technologies AG's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Internet Retail subindustry, Jumia Technologies AG's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Jumia Technologies AG Cash-to-Debt vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Jumia Technologies AG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Jumia Technologies AG's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Jumia Technologies AG (JMIA) has a Cash-to-Debt of 3.47 as of Jun. 2026. This is 81% below median its historical median of 18.53. Over the past decade, Jumia Technologies AG's Cash-to-Debt has ranged from 3.47 to 10,000.00. According to the industry distribution chart, Jumia Technologies AG ranks #210 out of 1117 companies in the Retail - Cyclical industry, placing it in the top 18.8%.
Is Jumia Technologies AG's Cash-to-Debt too high?
Jumia Technologies AG's current Cash-to-Debt of 3.47 is 81% below median its 10-year median of 18.53. Over the past 10 years, this metric has ranged from a low of 3.47 to a high of 10,000.00. The Retail - Cyclical industry median Cash-to-Debt is 0.47. Jumia Technologies AG's value of 3.47 is 638.3% above this industry median. Based on the distribution chart, Jumia Technologies AG ranks #210 out of 1117 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Jumia Technologies AG has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jumia Technologies AG's Cash-to-Debt compare to TDUP and BBBY?
According to the Retail - Cyclical industry distribution chart, Jumia Technologies AG ranks #210 out of 1117 companies for Cash-to-Debt. This places Jumia Technologies AG in the top 19% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 0.47. Jumia Technologies AG's value of 3.47 is 638.3% above this benchmark. Historically, Jumia Technologies AG's own Cash-to-Debt has ranged from 3.47 to 10,000.00 over the past decade. While the company's 10-year median is 18.53 vs. the industry median of 0.47, Jumia Technologies AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Retail - Cyclical company?
The median Cash-to-Debt among Retail - Cyclical companies is 0.47, based on 1,117 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jumia Technologies AG's current Cash-to-Debt of 3.47 is 638.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Retail - Cyclical industry, the median Cash-to-Debt is 0.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jumia Technologies AG's current Cash-to-Debt is 3.47, which is 81% below median its own 10-year median of 18.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jumia Technologies AG stock overvalued right now?
Based on GuruFocus' analysis, Jumia Technologies AG (JMIA) is currently considered Significantly Overvalued. The stock's GF Value™ is $4.98, compared to a current price of $6.64 — trading 33.3% above its estimated fair value. The current Cash-to-Debt is 3.47, which is 81% below median its 10-year median of 18.53 and 638.3% above the Retail - Cyclical industry median of 0.47. Jumia Technologies AG's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Jumia Technologies AG (JMIA), the current Cash-to-Debt is 3.47 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Jumia Technologies AG (JMIA) Overvalued in 2026?
Based on GuruFocus' analysis, Jumia Technologies AG stock appears to be overvalued.
The current stock price of $6.64 is trading 33.3% above its estimated GF Value™ of $4.98.
GuruFocus considers Jumia Technologies AG to be Significantly Overvalued.
Key valuation signals for JMIA:
Cash-to-Debt: 3.47 (81% below median its 10-year median of 18.53)
GF Value™: $4.98 vs. price of $6.64 (33.3% above fair value)
Industry Position: 638.3% above the Retail - Cyclical median (#210 of 1117)
No single metric tells the full story. See the JMIA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jumia Technologies AG is the pan-African e-commerce platform. The company's platform consists of a marketplace that connects sellers with consumers. The logistics services of the company enables the shipment and delivery of packages from sellers to consumers, and the company's payment service facilitates transactions among participants active on its platform in selected markets. The company generates revenue from first-party sales, third-party sales, marketing and advertising, and the provision of other services. Its geographical segments are West Africa, North Africa, East & South Africa, Europe, and United Arab Emirates. The firm generates majority of its revenue from the West Africa segment.
67GF Score
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