WallStSmart

Amazon.com Inc (AMZN)vsJumia Technologies AG (JMIA)

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Smart Verdict

WallStSmart Research — data-driven comparison

Amazon.com Inc generates 380398% more annual revenue ($797.46B vs $209.58M). AMZN leads profitability with a 16.9% profit margin vs -27.5%. AMZN earns a higher WallStSmart Score of 62/100 (C+).

AMZN

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 7.0Value: 4.7Quality: 6.0
Piotroski: 3/9Altman Z: 2.33

JMIA

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 2.0Value: 4.0Quality: 3.0
Piotroski: 4/9Altman Z: -23.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AMZNSignificantly Overvalued (-44.3%)

Margin of Safety

-44.3%

Fair Value

$166.60

Current Price

$259.30

$92.70 premium

UndervaluedFair: $166.60Overvalued
JMIASignificantly Overvalued (-38.1%)

Margin of Safety

-38.1%

Fair Value

$7.09

Current Price

$5.49

$1.60 premium

UndervaluedFair: $7.09Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMZN2 strengths · Avg: 9.5/10
Market CapQuality
$2.60T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
24.5%9/10

Every $100 of equity generates 25 in profit

JMIA0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

AMZN3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-3.1%2/10

Earnings declined 3.1%

Free Cash FlowQuality
$-8.82B2/10

Negative free cash flow — burning cash

JMIA4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$749.64M3/10

Smaller company, higher risk/reward

Price/BookValuation
549.0x2/10

Trading at 549.0x book value

Return on EquityProfitability
-478.5%2/10

ROE of -478.5% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : AMZN

The strongest argument for AMZN centers on Market Cap, Return on Equity. Profitability is solid with margins at 16.9% and operating margin at 13.9%. Revenue growth of 12.1% demonstrates continued momentum.

Bull Case : JMIA

Revenue growth of 13.9% demonstrates continued momentum.

Bear Case : AMZN

The primary concerns for AMZN are Piotroski F-Score, EPS Growth, Free Cash Flow.

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.

Key Dynamics to Monitor

AMZN profiles as a mature stock while JMIA is a turnaround play — different risk/reward profiles.

JMIA carries more volatility with a beta of 2.53 — expect wider price swings.

JMIA is growing revenue faster at 13.9% — sustainability is the question.

JMIA generates stronger free cash flow (-12M), providing more financial flexibility.

Bottom Line

AMZN scores higher overall (62/100 vs 25/100), backed by strong 16.9% margins and 12.1% 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.

Amazon.com Inc

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Amazon.com, Inc. is an American multinational technology company which focuses on e-commerce, cloud computing, digital streaming, and artificial intelligence. It is one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Microsoft, and Facebook. The company has been referred to as one of the most influential economic and cultural forces in the world, as well as the world's most valuable brand.

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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.

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