JMIA vs SE

For growth investors, Sea Limited (SE) is the stronger pick with 28.

8% revenue growth year-over-year, versus 12. 8% for Jumia Technologies AG (JMIA). Sea Limited (SE) offers the better valuation at 123. 3x trailing P/E (25. 4x forward), making it the more compelling value choice. Analysts rate Jumia Technologies AG (JMIA) a "Buy" — based on 7 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

Over the past 5 years, Sea Limited (SE) delivered a total return of -62.

2%, compared to -71. 0% for Jumia Technologies AG (JMIA). Over 10 years, the gap is even starker: SE returned +463. 8% versus JMIA's -70. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Sea Limited (SE) is the lower-risk stock at 1.

45β versus Jumia Technologies AG's 2. 89β — meaning JMIA is approximately 100% more volatile than SE relative to the S&P 500. On balance sheet safety, Jumia Technologies AG (JMIA) carries a lower debt/equity ratio of 46% versus 49% for Sea Limited — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Sea Limited (SE) is pulling ahead at 28.

8% versus 12. 8% for Jumia Technologies AG (JMIA). On earnings-per-share growth, the picture is similar: Sea Limited grew EPS 192. 0% year-over-year, compared to 100. 0% for Jumia Technologies AG. Over a 3-year CAGR, SE leads at 19. 1% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Sea Limited (SE) is the more profitable company, earning 2.

6% net margin versus -32. 6% for Jumia Technologies AG — meaning it keeps 2. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SE leads at 3. 9% versus -33. 5% for JMIA. At the gross margin level — before operating expenses — JMIA leads at 53. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

Analyst consensus price targets imply the most upside for JMIA: 132.

3% to $17. 33.

None of the stocks in this comparison currently pay a material dividend.

All are effectively zero-yield and should be held for capital appreciation rather than income.

For long-horizon retirement investors, Sea Limited (SE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (+463.

8% 10Y return). Jumia Technologies AG (JMIA) carries a higher beta of 2. 89 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (SE: +463. 8%, JMIA: -70. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Consumer Cyclical sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: JMIA is a small-cap quality compounder stock; SE is a mid-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.