📊 JILL Key Takeaways
Is J.Jill, Inc. (JILL) a Good Investment?
J.Jill demonstrates strong gross margins (68.7%) and excellent ROE (23%), but faces significant operational deterioration with net income declining 29.4% despite only 2.3% revenue decline, indicating severe margin compression. Weak liquidity metrics (0.54x quick ratio) and declining profitability trends warrant caution pending operational stabilization.
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.
Why Buy J.Jill, Inc. Stock? JILL Key Strengths
- Strong gross margin of 68.7% reflects pricing power and manufacturing efficiency
- Excellent ROE of 23% demonstrates effective capital deployment and profitability relative to shareholder equity
- Positive operating cash flow ($42.1M) and free cash flow ($25.2M) provide financial flexibility despite profitability challenges
- Moderate leverage at 0.59x debt-to-equity ratio with adequate interest coverage (4.9x)
- 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
- Net income collapsed 29.4% YoY while revenue declined only 2.3%, indicating severe margin compression and operational inefficiency
- Critically weak quick ratio of 0.54x and minimal current ratio of 1.08x suggest liquidity stress and heavy inventory reliance
- Declining top-line revenue in apparel retail sector signals demand weakness or market share erosion in competitive industry
- 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 expense ratio and net margin recovery trajectory
- Inventory turnover and quick ratio improvement
- Revenue growth stabilization and same-store sales trends
- Comparable sales (YoY comps)
- Gross margin (markdowns/inventory health)
J.Jill, Inc. (JILL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 4.2% FCF margin may limit capital allocation flexibility.
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. has mixed fundamental signals 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $155.7M | $4.6M | $1.06 |
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 Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 69% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are JILL's key strengths?
Claude: Strong gross margin of 68.7% reflects pricing power and manufacturing efficiency. Excellent ROE of 23% demonstrates effective capital deployment and profitability relative to shareholder equity. 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: Net income collapsed 29.4% YoY while revenue declined only 2.3%, indicating severe margin compression and operational inefficiency. Critically weak quick ratio of 0.54x and minimal current ratio of 1.08x suggest liquidity stress and heavy inventory reliance. 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 $596.5M.
Does JILL pay dividends?
J.Jill, Inc. pays dividends, with $4.9M 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 $1.82.
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 rating reflects both perspectives for balanced insights.
Is JILL a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, J.Jill, Inc. has a HOLD rating with 69% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is JILL stock overvalued or undervalued?
Valuation metrics for JILL: ROE of 23.0% (sector avg: 15%), net margin of 4.7% (sector avg: 12%). Higher ROE suggests strong returns relative to peers.
Should I buy JILL stock in 2026?
Our dual AI analysis gives J.Jill, Inc. a combined HOLD rating 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 $42.1M, with capital expenditures of $16.9M. FCF margin is 4.2%.
How does JILL compare to other Market stocks?
Vs Default sector averages: Net margin 4.7% (avg: 12%), ROE 23.0% (avg: 15%), current ratio 1.08 (avg: 1.8).