📊 JILL Key Takeaways
Is J.Jill, Inc. (JILL) a Good Investment?
J.Jill faces structural profitability and cash generation challenges with negative free cash flow (-$881K), declining revenue (-2.3% YoY), and deteriorating earnings (-30.3% EPS decline). Despite a healthy gross margin of 68.3%, minimal net profitability (3.2%) and weak operational cash flow ($1.7M) indicate the company cannot organically fund growth or return capital to shareholders.
J.Jill maintains solid unit economics with a 68.7% gross margin, 8.5% operating margin, and positive free cash flow, supported by moderate leverage and 4.9x interest coverage. However, revenue declined 2.3% YoY and net income fell 29%, indicating pressure on demand and margins, while liquidity is tight with a 1.08x current ratio and 0.54x quick ratio. Execution on inventory discipline and cost control to stabilize comps and protect merchandise margin is key before a more constructive stance.
J.Jill, Inc. Key Strengths (JILL)
- Solid gross margin of 68.3% demonstrates pricing power and production efficiency
- Manageable leverage at 0.57x debt-to-equity with 4.7x interest coverage provides debt flexibility
- Adequate cash position of $36.3M provides short-term liquidity buffer
- High gross margin and respectable operating margin support consistent free cash flow
- Moderate leverage (0.59x D/E) with adequate 4.9x interest coverage and strong 23% ROE
- Positive operating and free cash flow with manageable long-term debt
JILL Stock Risks: J.Jill, Inc. Investment Risks
- Negative free cash flow (-$881K) indicates company is consuming cash; capex ($2.6M) exceeds operating cash flow ($1.7M)
- Revenue contraction (-2.3% YoY) and severe EPS decline (-30.3%) signal loss of competitive positioning in challenged women's apparel sector
- Liquidity deterioration with quick ratio of 0.60x below 1.0x threshold creates near-term operational risk
- Extremely weak returns (ROA 1.1%, ROE 3.8%) and net margin of 3.2% indicate fundamental unprofitability
- Negative revenue growth and 29% YoY net income decline signal margin/demand pressure
- Tight liquidity (1.08x current, 0.54x quick) heightens inventory and working-capital risk
- Potential markdowns/fashion risk could erode gross margin and weaken coverage
Key Metrics to Watch
- Operating cash flow trend and path to positive free cash flow generation
- Revenue stabilization and gross margin sustainability under pricing pressure
- Debt covenant compliance and refinancing capacity given cash burn rate
- Comparable sales (YoY comps)
- Gross margin (markdowns/inventory health)
J.Jill, Inc. (JILL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
J.Jill, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
JILL Profit Margin, ROE & Profitability Analysis
JILL vs Market Sector: How J.Jill, Inc. Compares
How J.Jill, Inc. compares to Market sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is J.Jill, Inc. Stock Overvalued? JILL Valuation Analysis 2026
Based on fundamental analysis, J.Jill, Inc. shows some fundamental concerns relative to the Market sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
J.Jill, Inc. Balance Sheet: JILL Debt, Cash & Liquidity
JILL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: J.Jill, Inc.'s revenue has declined by 14% over the 5-year period, indicating business contraction. The most recent EPS of $2.51 reflects profitable operations.
JILL Revenue Growth, EPS Growth & YoY Performance
JILL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $144.4M | $4.7M | $0.31 |
| Q3 2025 | $150.5M | $8.2M | $0.60 |
| Q2 2025 | $154.0M | $8.2M | $0.54 |
| Q1 2025 | $153.6M | $11.7M | $0.76 |
| Q3 2024 | $150.9M | $4.6M | $0.80 |
| Q2 2024 | $155.2M | $4.6M | $0.54 |
| Q1 2024 | $150.2M | $4.6M | $0.32 |
| Q3 2023 | $150.1M | $4.6M | $0.62 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
J.Jill, Inc. Dividends, Buybacks & Capital Allocation
JILL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for J.Jill, Inc. (CIK: 0001687932)
📋 Recent SEC Filings
❓ Frequently Asked Questions about JILL
What is the AI rating for JILL?
J.Jill, Inc. (JILL) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are JILL's key strengths?
Claude: Solid gross margin of 68.3% demonstrates pricing power and production efficiency. Manageable leverage at 0.57x debt-to-equity with 4.7x interest coverage provides debt flexibility. ChatGPT: High gross margin and respectable operating margin support consistent free cash flow. Moderate leverage (0.59x D/E) with adequate 4.9x interest coverage and strong 23% ROE.
What are the risks of investing in JILL?
Claude: Negative free cash flow (-$881K) indicates company is consuming cash; capex ($2.6M) exceeds operating cash flow ($1.7M). Revenue contraction (-2.3% YoY) and severe EPS decline (-30.3%) signal loss of competitive positioning in challenged women's apparel sector. ChatGPT: Negative revenue growth and 29% YoY net income decline signal margin/demand pressure. Tight liquidity (1.08x current, 0.54x quick) heightens inventory and working-capital risk.
What is JILL's revenue and growth?
J.Jill, Inc. reported revenue of $144.4M.
Does JILL pay dividends?
J.Jill, Inc. pays dividends, with $1.3M distributed to shareholders in the trailing twelve months.
Where can I find JILL SEC filings?
Official SEC filings for J.Jill, Inc. (CIK: 0001687932) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is JILL's EPS?
J.Jill, Inc. has a diluted EPS of $0.31.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is JILL's fundamental grade?
Based on our AI fundamental analysis in June 2026, J.Jill, Inc. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is JILL stock overvalued or undervalued?
Valuation metrics for JILL: ROE of 3.8% (sector avg: 15%), net margin of 3.2% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
What is JILL's AI grade for 2026?
Our dual AI analysis gives J.Jill, Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is JILL's free cash flow?
J.Jill, Inc.'s operating cash flow is $1.7M, with capital expenditures of $2.6M. FCF margin is -0.6%.
How does JILL compare to other Market stocks?
Vs Default sector averages: Net margin 3.2% (avg: 12%), ROE 3.8% (avg: 15%), current ratio 1.14 (avg: 1.8).