Jumia Technologies AG (JMIA)vsSea Ltd (SE)
JMIA
Jumia Technologies AG
$7.02
+0.72%
CONSUMER CYCLICAL · Cap: $938.05M
SE
Sea Ltd
$103.67
+0.99%
CONSUMER CYCLICAL · Cap: $65.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Sea Ltd generates 13128% more annual revenue ($27.72B vs $209.58M). SE leads profitability with a 5.9% profit margin vs -27.5%. SE earns a higher WallStSmart Score of 56/100 (C).
JMIA
Avoid22
out of 100
Grade: F
SE
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-36.5%
Fair Value
$7.17
Current Price
$7.02
$0.15 premium
Margin of Safety
+55.9%
Fair Value
$259.48
Current Price
$103.67
$155.81 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
No standout strengths identified
Revenue surging 48.1% year-over-year
Large-cap with strong market position
Generating 1.1B in free cash flow
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
Trading at 702.0x book value
ROE of -478.5% — below average capital efficiency
Distress zone — elevated risk
5.9% margin — thin
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : JMIA
Revenue growth of 13.9% demonstrates continued momentum.
Bull Case : SE
The strongest argument for SE centers on Revenue Growth, Market Cap, Free Cash Flow. Revenue growth of 48.1% demonstrates continued momentum. PEG of 1.04 suggests the stock is reasonably priced for its growth.
Bear Case : JMIA
The primary concerns for JMIA are EPS Growth, Market Cap, Price/Book. Debt-to-equity of 15.68 is elevated, increasing financial risk.
Bear Case : SE
The primary concerns for SE are Altman Z-Score, Profit Margin, P/E Ratio. A P/E of 41.5x leaves little room for execution misses.
Key Dynamics to Monitor
JMIA profiles as a turnaround stock while SE is a hypergrowth play — different risk/reward profiles.
JMIA carries more volatility with a beta of 2.50 — expect wider price swings.
SE is growing revenue faster at 48.1% — sustainability is the question.
SE generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
SE scores higher overall (56/100 vs 22/100) and 48.1% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Jumia Technologies AG
CONSUMER CYCLICAL · INTERNET RETAIL · USA
Jumia Technologies AG operates an e-commerce platform in Africa, Portugal, Germany and the United Arab Emirates. The company is headquartered in Berlin, Germany.
Sea Ltd
CONSUMER CYCLICAL · INTERNET RETAIL · USA
Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.
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