📊 JILL Key Takeaways
Is JILL a Good Investment? Thesis Analysis
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.
Why Buy 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)
JILL Investment Risks to Consider
- 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
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
JILL Financial Metrics
💡 AI Analyst Insight
The relatively thin 4.2% FCF margin may limit capital allocation flexibility.
JILL Profitability Ratios
JILL vs Default Sector
How J.Jill, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is JILL Overvalued or Undervalued?
Based on fundamental analysis, J.Jill, Inc. has mixed fundamental signals relative to the Default 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.
JILL Balance Sheet & Liquidity
JILL 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
JILL Quarterly 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.
JILL Capital Allocation
JILL SEC 10-K & 10-Q Filing 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 an AI rating of HOLD with 72% 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.
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.
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 72% 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 Default stocks?
Vs Default sector averages: Net margin 4.7% (avg: 12%), ROE 23.0% (avg: 15%), current ratio 1.08 (avg: 1.8).