JILL Stock Analysis: J.Jill | NYSE
Apparel Retail | NYSE, USA | Market Cap: 365m USD | 12M Return: 38.4% | US46620W2017 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.50M
EPS Trend: -72.8%
Qual. Beats: 1
Rev. Trend: -79.0%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 9.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
J.Jill, Inc. is a U.S.-based omnichannel retailer specializing in womens apparel, footwear, and accessories such as jewelry, bags, belts, shoes, and scarves. The company markets its products under the flagship J.Jill brand alongside three sub-brands-Pure Jill, Wearever, and Fit-distributed through ecommerce, catalogs, and a network of retail stores. Founded in 1959 and headquartered in Quincy, Massachusetts, J.Jill operates within the consumer discretionary sector, where omnichannel apparel retailers compete by integrating physical storefronts with digital platforms to reach a broad customer base.
- Direct-to-consumer channel drives comparable sales growth
- Q4 holiday quarter same-store sales miss expectations
- Womens apparel category faces intensified competition from specialty retailers
| Net Income: 27.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.65 > 1.0 |
| NWC/Revenue: 6.05% < 20% (prev 2.19%; Δ 3.85% < -1%) |
| CFO/TA 0.14 > 3% & CFO 65.4m > Net Income 27.1m |
| Net Debt (289.4m) to EBITDA (68.1m): 4.25 < 3 |
| Current Ratio: 1.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.1m) vs 12m ago -1.46% < -2% |
| Gross Margin: 69.03% > 18% (prev 69.54%; Δ -0.51% > 0.5%) |
| Asset Turnover: 131.5% > 50% (prev 137.8%; Δ -6.30% > 0%) |
| Interest Coverage Ratio: 5.44 > 6 (EBIT TTM 47.3m / Interest Expense TTM 8.68m) |
| A: 0.08 (Total Current Assets 155.8m - Total Current Liabilities 120.2m) / Total Assets 457.8m |
| B: -0.19 (Retained Earnings -87.3m / Total Assets 457.8m) |
| C: 0.11 (EBIT TTM 47.3m / Avg Total Assets 447.1m) |
| D: 0.44 (Book Value of Equity 139.8m / Total Liabilities 318.0m) |
| Altman-Z'' = 1.06 = BB |
| DSRI: 0.92 (Receivables 5.85m/6.48m, Revenue 588.2m/601.7m) |
| GMI: 1.01 (GM 69.54% / 69.03%) |
| AQI: 0.92 (AQ_t 0.27 / AQ_t-1 0.29) |
| SGI: 0.98 (Revenue 588.2m / 601.7m) |
| TATA: -0.08 (NI 27.1m - CFO 65.4m) / TA 457.8m) |
| Beneish M = -3.15 (Cap -4..+1) = AA |
As of September 25, 2026, the stock is trading at USD 24.05 with a total of 141,536 shares traded. Over the past week, the price has changed by +0.04%, over one month by +20.64%, over three months by +61.26% and over the past year by +38.35%.
Current recommended Stop Loss: 22.80 (which is 5.2% or 1.3 ATR below the current price).
J.Jill has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy JILL.
- StrongBuy: 4
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 23.8 | -1.2% |
P/E Trailing = 13.2703
P/E Forward = 7.2098
P/S = 0.6203
P/B = 2.5459
P/EG = 0.63
Revenue TTM = 588.2m USD
EBIT TTM = 47.3m USD
EBITDA TTM = 68.1m USD
Long Term Debt = 71.2m USD (from longTermDebt, last quarter)
Short Term Debt = 39.3m USD (from shortTermDebt, last quarter)
Debt = 366.3m USD (from shortLongTermDebtTotal, last quarter) + Leases 146.9m
Net Debt = 289.4m USD (calculated: Debt 366.3m - CCE 76.9m)
Enterprise Value = 654.3m USD (364.9m + Debt 366.3m - CCE 76.9m)
Interest Coverage Ratio = 5.44 (Ebit TTM 47.3m / Interest Expense TTM 8.68m)
EV/FCF = 13.94x (Enterprise Value 654.3m / FCF TTM 46.9m)
FCF Yield = 7.17% (FCF TTM 46.9m / Enterprise Value 654.3m)
FCF Margin = 7.98% (FCF TTM 46.9m / Revenue TTM 588.2m)
Net Margin = 4.62% (Net Income TTM 27.1m / Revenue TTM 588.2m)
Gross Margin = 69.03% ((Revenue TTM 588.2m - Cost of Revenue TTM 182.2m) / Revenue TTM)
Gross Margin QoQ = 73.17% (prev 68.33%)
Tobins Q-Ratio = 1.43 (Enterprise Value 654.3m / Total Assets 457.8m)
Interest Expense / Debt = 2.37% (Interest Expense 8.68m / Debt 366.3m)
Taxrate = 29.62% (11.4m / 38.6m)
NOPAT = 33.3m (EBIT 47.3m * (1 - 29.62%))
Current Ratio = 1.30 (Total Current Assets 155.8m / Total Current Liabilities 120.2m)
Debt / Equity = 2.62 (Debt 366.3m / totalStockholderEquity, last quarter 139.8m)
Debt / EBITDA = 4.25 (Net Debt 289.4m / EBITDA 68.1m)
Debt / FCF = 6.17 (Net Debt 289.4m / FCF TTM 46.9m)
Total Stockholder Equity = 128.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.07% (Net Income 27.1m / Total Assets 457.8m)
RoE = 21.10% (Net Income TTM 27.1m / Total Stockholder Equity 128.7m)
RoCE = 23.64% (EBIT 47.3m / Capital Employed (Equity 128.7m + L.T.Debt 71.2m))
RoIC = 9.57% (NOPAT 33.3m / Invested Capital 347.4m)
WACC = 5.93% (E(364.9m)/V(731.2m) * Re(10.21%) + D(366.3m)/V(731.2m) * Rd(2.37%) * (1-Tc(0.30)))
Discount Rate = 10.21% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 19.88 | Cagr: 2.07%
[DCF] Terminal Value 77.97% ; FCFF base≈41.4m ; Y1≈47.5m ; Y5≈69.9m
[DCF] Fair Price = 51.30 (EV 1.05b - Net Debt 289.4m = Equity 762.5m / Shares 14.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -72.84 | EPS CAGR: -12.58% | SUE: 4.0 | # QB: 1
Revenue Correlation: -78.98 | Revenue CAGR: -1.52% | SUE: 0.93 | # QB: 1
EPS current Quarter (2026-10-31): EPS=0.68 | Chg30d=-21.71% | Revisions=+62% | Analysts=5
EPS current Year (2027-01-31): EPS=2.23 | Chg30d=+9.76% | Revisions=+38% | GrowthEPS=-8.8% | GrowthRev=+1.1%
EPS next Year (2028-01-31): EPS=2.49 | Chg30d=+1.55% | Revisions=+29% | GrowthEPS=+11.7% | GrowthRev=+3.2%
[Analyst] Revisions Ratio: +59% (up=12, down=2)