JJill (JILL) AI Stock Analysis

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JJill

(NYSE:JILL)

Select Model

Neutral 61 (OpenAI - 4o)

Rating:61Neutral

Price Target:

$15.50

▲(9.08% Upside)

JJill's overall stock score reflects a balance of strong valuation and positive corporate events against mixed financial performance and technical indicators. The company's attractive valuation and strategic financial moves are offset by revenue challenges and high leverage.

Positive Factors

Cash Flow Growth

Strong cash flow growth enhances financial stability, allowing for reinvestment in business operations and reducing reliance on external financing.

Digital Channel Success

Growth in digital channels indicates effective online strategy, expanding customer base and enhancing long-term revenue potential.

New Loan Agreement

The new loan agreement improves financial flexibility and reduces interest expenses, supporting long-term financial health.

Negative Factors

Revenue Decline

Declining revenue indicates potential market share loss and challenges in product appeal, impacting long-term growth prospects.

High Leverage

High leverage can strain financial resources, limiting strategic options and increasing vulnerability to economic downturns.

Gross Margin Pressure

Decreasing gross margins suggest rising costs or pricing pressures, which could erode profitability if not managed effectively.

JJill (JILL) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$215.39M

Dividend Yield2.25%

Average Volume (3M)91.78K

Price to Earnings (P/E)6.5

Beta (1Y)1.58

Revenue Growth-2.67%

EPS Growth-22.93%

CountryUS

Employees1,123

SectorConsumer Cyclical

Sector Strength84

IndustryApparel - Retail

Share Statistics

EPS (TTM)0.76

Shares Outstanding15,115,353

10 Day Avg. Volume159,678

30 Day Avg. Volume91,778

Financial Highlights & Ratios

PEG Ratio3.31

Price to Book (P/B)3.86

Price to Sales (P/S)0.67

P/FCF Ratio8.05

Enterprise Value/Market Cap1.25

Enterprise Value/Revenue0.45

Enterprise Value/Gross Profit0.65

Enterprise Value/Ebitda3.65

Forecast

1Y Price Target

$19.50

Price Target Upside37.23% Upside

Rating ConsensusStrong Buy

Number of Analyst Covering4

EPS Forecast (FY)2.44

Revenue Forecast (FY)$598.63M

JJill Business Overview & Revenue Model

Company DescriptionJ.Jill, Inc. is a women's clothing retailer that specializes in providing versatile, stylish, and comfortable apparel, primarily targeting women aged 35 and older. The company operates in the retail sector, focusing on casual and contemporary clothing, accessories, and footwear. J.Jill's product lines emphasize quality materials and timeless designs, catering to the needs of modern women looking for both fashion and functionality in their wardrobes. The company sells its products through a network of retail stores and an online platform, enhancing its reach to customers nationwide.

How the Company Makes MoneyJ.Jill generates revenue primarily through the sale of its women's apparel and accessories, both in-store and online. Key revenue streams include direct sales from their brick-and-mortar retail locations, e-commerce transactions through their website, and catalog sales. The company also benefits from seasonal promotions and loyalty programs that encourage repeat purchases. Strategic partnerships with suppliers and manufacturers help maintain a steady supply of quality products, which is essential for their sales growth. Additionally, J.Jill leverages its brand identity and customer loyalty to drive traffic and sales, contributing to its overall earnings.

JJill Key Performance Indicators (KPIs)

Any

Revenue By Type

Revenue By Type
Analyzes revenue streams by product or service type, highlighting which areas drive sales and where there might be opportunities or challenges in the business model.

Chart InsightsJ.Jill's retail revenue has shown resilience with stable performance, while direct sales face challenges, declining slightly over recent quarters. The earnings call highlights successful strategic initiatives like ship-from-store capabilities, which have bolstered retail sales and supported margins. However, direct sales are pressured by tariffs and increased promotional activity, impacting gross margins. Management remains cautiously optimistic, focusing on customer growth and operational improvements to navigate these challenges, while planning to open new stores and maintain shareholder returns through dividends and share repurchases.

Data provided by:

The Fly

JJill Earnings Call Summary

Earnings Call Date:Dec 10, 2025

(Q3-2025)

% Change Since: |

Next Earnings Date:Mar 25, 2026

Earnings Call Sentiment Neutral

While the company experienced success in digital channels, product innovation, and cost management, it faced challenges with declining sales, gross margin pressure, and a highly promotional market environment impacting holiday sales.

Q3-2025 Updates

Positive Updates

Digital Channel Success

Direct sales increased by 2% compared to the prior year, with success in digital prospecting and growth in new-to-brand customers delivering a healthy return.

New Store Openings

Two new stores were opened in Q3, one in Chicago and one in Houston, with positive early results.

Strategic Cost Actions

Decisive cost actions were taken to streamline the organization and improve operational efficiencies, positioning the company for future growth.

Product Innovation and Testing

Success in new product categories such as fashion denim, faux suede, and faux leather outerwear, as well as small capsules in sleep, travel sets, and cashmere, showing strong full-price results.

Shareholder Returns

Repurchased 115,612 shares for approximately $2 million in Q3, bringing year-to-date repurchases to about 371,000 shares for $6.5 million.

Negative Updates

Sales Decline

Total company comparable sales decreased by 0.9%, with total company sales down 0.5% versus Q3 2024.

Gross Margin Pressure

Q3 gross margin was 70.9%, down 50 basis points versus Q3 2024, including approximately $2.5 million of net tariff pressure.

SG&A Expense Increase

SG&A expenses were about $92 million compared to $89 million last year, driven by nonrecurring costs and shipping expenses.

Promotional Environment

The holiday product assortments did not resonate as planned, and the competitive market became very promotional early, impacting sales.

Q4 and Full Year Outlook

Expecting Q4 sales to be down 5% to 7% and full year sales to be down about 3% compared to fiscal 2024.

Company Guidance

During the J.Jill, Inc. third quarter 2025 earnings call, the company reported a slight decrease in total company comparable sales of 0.9% compared to the prior year, with total company sales reaching approximately $151 million. Direct sales saw a 2% increase, while store sales decreased by 2.6%. The gross profit was around $107 million, with a gross margin of 70.9%, slightly down by 50 basis points from the previous year. SG&A expenses rose to about $92 million, partly due to nonrecurring costs and shipping expenses. Adjusted EBITDA was $24.3 million, while adjusted net income per diluted share was $0.76, down from $0.89 last year. The company repurchased approximately 115,612 shares for $2 million in Q3, and the year-to-date repurchases totaled about 371,000 shares for $6.5 million. The end of quarter cash was around $58 million, with inventory up 8.4% compared to last year. For the fourth quarter, J.Jill expects sales to decrease by 5% to 7% and total comparable sales to drop by 6.5% to 8.5%. The full-year sales are anticipated to decline by approximately 3%, with adjusted EBITDA projected to be between $80 million and $82 million.

JJill Financial Statement Overview

Summary

JJill's financial performance is mixed. Strong profitability margins and cash flow generation are offset by challenges in revenue growth and high leverage. Improvements in equity position and cash flow growth are positive, but high debt levels pose risks.

Income Statement

Positive

JJill's income statement shows a mixed performance. The TTM data indicates a gross profit margin of 69.42%, which is strong, but the net profit margin has decreased to 5.60% from 6.46% in the previous year. Revenue has declined by 12.2% in the TTM, reflecting challenges in maintaining growth. However, the company has managed to maintain a reasonable EBIT margin of 7.05% and an EBITDA margin of 12.28%, indicating operational efficiency despite revenue pressures.

Balance Sheet

Neutral

The balance sheet reveals a high debt-to-equity ratio of 1.19 in the TTM, which is an improvement from previous years but still indicates significant leverage. The return on equity is 28.75%, showing good profitability relative to equity. However, the equity ratio is relatively low, suggesting a reliance on debt financing. The company has improved its equity position compared to past negative equity, but risks remain due to high leverage.

Cash Flow

Positive

Cash flow analysis shows a positive trajectory with a 15.23% growth in free cash flow in the TTM. The operating cash flow to net income ratio is 0.40, indicating that operating cash flow adequately supports net income. The free cash flow to net income ratio is 0.80, reflecting strong cash generation relative to earnings. Overall, cash flow management appears robust, supporting the company's financial stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	600.98M	610.86M	604.66M	615.27M	585.21M	421.26M
Gross Profit	417.18M	429.86M	427.40M	422.05M	394.44M	242.88M
EBITDA	73.82M	75.70M	96.27M	104.49M	28.22M	-135.65M
Net Income	33.66M	39.48M	36.20M	42.17M	-28.14M	-141.41M
Balance Sheet
Total Assets	458.00M	417.70M	428.18M	466.42M	451.85M	499.57M
Cash, Cash Equivalents and Short-Term Investments	58.01M	35.43M	62.17M	87.05M	35.96M	4.41M
Total Debt	153.81M	208.82M	295.22M	366.29M	385.29M	459.65M
Total Liabilities	328.95M	311.93M	390.96M	466.64M	496.50M	598.48M
Stockholders Equity	129.05M	105.77M	37.22M	-219.00K	-44.66M	-98.91M
Cash Flow
Free Cash Flow	41.41M	50.77M	46.38M	59.36M	69.53M	-38.62M
Operating Cash Flow	51.84M	65.04M	63.31M	74.42M	75.00M	-34.81M
Investing Cash Flow	-16.52M	-17.75M	-16.93M	-15.07M	-5.47M	-3.81M
Financing Cash Flow	-16.08M	-74.03M	-71.26M	-8.26M	-37.98M	21.50M

JJill Technical Analysis

Technical Analysis Sentiment

Negative

Last Price14.21

Price Trends

50DMA

15.09

Negative

100DMA

15.89

Negative

200DMA

15.99

Negative

Market Momentum

MACD

-0.24

Positive

RSI

42.88

Neutral

STOCH

31.90

Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JILL, the sentiment is Negative. The current price of 14.21 is below the 20-day moving average (MA) of 15.12, below the 50-day MA of 15.09, and below the 200-day MA of 15.99, indicating a bearish trend. The MACD of -0.24 indicates Positive momentum. The RSI at 42.88 is Neutral, neither overbought nor oversold. The STOCH value of 31.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JILL.

JJill Risk Analysis

JJill disclosed 56 risk factors in its most recent earnings report. JJill reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added 0 New Risks

JJill Peers Comparison

Overall Rating

UnderperformOutperform

Sector (61)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ZUMZ	71 Outperform	$474.42M	57.28	2.79%	―	2.81%	―
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
JILL	61 Neutral	$215.39M	6.49	28.98%	2.25%	-2.67%	-22.93%
CTRN	56 Neutral	$359.01M	-20.45	-13.76%	―	5.77%	35.12%
GCO	48 Neutral	$243.48M	-119.16	-0.13%	―	2.76%	96.01%
TLYS	48 Neutral	$56.38M	-1.60	-34.77%	―	-8.31%	36.10%
CURV	45 Neutral	$102.17M	-44.14	―	―	-7.33%	-114.80%

* Consumer Cyclical Sector Average

Performance Comparison

JILL

JJill

14.21

-11.86

-45.49%

CTRN

Citi Trends

40.81

14.85

57.20%

GCO

Genesco

21.95

-18.97

-46.36%

TLYS

Tilly's

1.81

-1.75

-49.16%

ZUMZ

Zumiez

27.70

8.98

47.97%

CURV

Torrid Holdings

0.98

-3.99

-80.28%

JJill Corporate Events

Private Placements and FinancingBusiness Operations and Strategy

J.Jill Secures New $75 Million Loan Agreement

Positive

Dec 15, 2025

On December 12, 2025, J.Jill, Inc. entered into a new $75 million senior secured term loan agreement, replacing its previous credit agreement from April 2023. This refinancing is expected to save the company approximately $2.0 million in annual cash interest expenses, demonstrating J.Jill’s commitment to maintaining financial flexibility and a strong balance sheet.

DividendsBusiness Operations and Strategy

J.Jill Declares Quarterly Cash Dividend

Positive

Dec 3, 2025

On December 3, 2025, J.Jill, Inc. announced that its Board of Directors declared a quarterly cash dividend of $0.08 per share on its common stock, payable on January 7, 2026, to stockholders of record as of December 24, 2025. This decision reflects the company’s ongoing commitment to returning value to its shareholders and may impact its financial strategy and market positioning.

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Dec 19, 2025