JJill (JILL) AI Stock Analysis

• Market Cap: $231.00M
• Dividend Yield: 2.04%
• Average Volume (3M): 53.56K
• Price to Earnings (P/E): 6.4
• Beta (1Y): 1.54
• Revenue Growth: -2.37%
• EPS Growth: -16.40%
• Country: US
• Employees: 1,123
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Apparel - Retail
• EPS (TTM): 0.81
• Shares Outstanding: 15,227,721
• 10 Day Avg. Volume: 45,950
• 30 Day Avg. Volume: 53,563
• PEG Ratio: 3.31
• Price to Book (P/B): 3.86
• Price to Sales (P/S): 0.67
• P/FCF Ratio: 8.05
• Enterprise Value/Market Cap: 1.78
• Enterprise Value/Revenue: 0.90
• Enterprise Value/Gross Profit: 1.27
• Enterprise Value/Ebitda: 6.18
• 1Y Price Target: $20.00
• Price Target Upside: 31.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 2.44
• Revenue Forecast (FY): $598.63M

• Rating: 63 Neutral
• Price Target: $16.50 ▲(8.77% Upside)

JJill's overall stock score is driven by strong valuation metrics and positive cash flow trends. However, challenges in revenue growth, high leverage, and bearish technical indicators weigh on the score. The earnings call provides a cautiously optimistic outlook, balancing the risks with strategic improvements.

Positive Factors

Cash Flow Generation

Strong free cash flow generation indicates effective cash management and provides financial flexibility for investments and debt reduction.

Ship-from-Store Capabilities

The implementation of ship-from-store capabilities enhances operational efficiency and customer satisfaction, supporting long-term sales growth.

Gross Profit Margin

A strong gross profit margin reflects efficient cost management and pricing power, contributing to sustained profitability.

Negative Factors

Revenue Growth Challenges

Declining revenue growth indicates potential market share loss or demand issues, impacting long-term financial health.

High Leverage

Significant leverage can strain financial resources and limit strategic flexibility, posing risks if not managed effectively.

Gross Margin Pressure

Decreasing gross margins due to markdowns and tariffs could erode profitability, necessitating strategic cost management.

JJill Business Overview & Revenue Model

Company Description

J.Jill, Inc. operates as an omnichannel retailer for women's apparel under the J.Jill brand in the United States. The company offers knit and woven tops, bottoms, and dresses, as well as sweaters and outerwear; footwear; and accessories, including scarves, jewelry, and hosiery. The company markets its products through retail stores, website, and catalogs. As of March 22, 2022, it operated 253 stores. The company was founded in 1959 and is headquartered in Quincy, Massachusetts.

How the Company Makes Money

J.Jill generates revenue primarily through the sale of its clothing and accessories in its retail stores and online. The company operates a multi-channel retail model, which allows it to reach a broader customer base. Key revenue streams include direct sales from its brick-and-mortar stores and e-commerce platform, where customers can shop the latest collections and exclusive online offerings. Additionally, J.Jill may benefit from seasonal promotions and loyalty programs that drive customer engagement and repeat purchases. The company's focus on quality and customer service fosters brand loyalty, further contributing to its financial performance.

JJill Financial Statement Overview

Summary

JJill's financial performance shows a strong gross profit margin and positive cash flow growth, but faces challenges with declining revenue growth and high leverage. The company needs to focus on revenue growth and managing debt levels to enhance its financial position.

Income Statement

JJill's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) gross profit margin is strong at 69.54%, indicating efficient cost management. However, the net profit margin has decreased to 6.12% from 6.46% in the previous annual report, reflecting a slight decline in profitability. Revenue growth is negative at -20.8% TTM, which is concerning, although previous periods showed positive growth. The EBIT and EBITDA margins have also decreased, suggesting pressure on operating efficiency.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 1.25 TTM, which is an improvement from the previous year's 1.97 but still indicates significant leverage. Return on equity is strong at 33.27% TTM, showing effective use of equity to generate profits. However, the equity ratio is low, suggesting a reliance on debt financing, which could pose risks if not managed carefully.

Cash Flow

Cash flow analysis shows positive trends with a free cash flow growth rate of 17.03% TTM, indicating improved cash generation. The operating cash flow to net income ratio is 0.44, suggesting a moderate conversion of income to cash. The free cash flow to net income ratio is 0.69, reflecting a healthy cash flow relative to earnings, although slightly lower than previous periods.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	458.87M	610.86M	604.66M	615.27M	585.21M	421.26M
Gross Profit	323.69M	429.86M	427.40M	422.05M	394.44M	242.88M
EBITDA	66.55M	75.70M	99.07M	104.49M	28.22M	-135.65M
Net Income	34.55M	39.48M	36.20M	42.17M	-28.14M	-141.41M
Balance Sheet
Total Assets	436.51M	417.70M	428.18M	466.42M	451.85M	499.57M
Cash, Cash Equivalents and Short-Term Investments	45.52M	35.43M	62.17M	87.05M	35.96M	4.41M
Total Debt	152.47M	208.82M	295.22M	366.29M	385.29M	459.65M
Total Liabilities	315.01M	311.93M	390.96M	466.64M	496.50M	598.48M
Stockholders Equity	121.50M	105.77M	37.22M	-219.00K	-44.66M	-98.91M
Cash Flow
Free Cash Flow	35.55M	50.77M	46.38M	59.36M	69.53M	-38.62M
Operating Cash Flow	43.77M	65.04M	63.31M	74.42M	75.00M	-34.81M
Investing Cash Flow	-10.96M	-17.75M	-16.93M	-15.07M	-5.47M	-3.81M
Financing Cash Flow	-12.41M	-74.03M	-71.26M	-8.26M	-37.98M	21.50M

JJill Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 15.17
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 15.17 is below the 20-day moving average (MA) of 15.49, below the 50-day MA of 16.50, and below the 200-day MA of 17.49, indicating a bearish trend. The MACD of -0.36 indicates Positive momentum. The RSI at 43.81 is Neutral, neither overbought nor oversold. The STOCH value of 19.81 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JILL.

JJill Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ZUMZ	64 Neutral	$372.40M	―	0.19%	―	1.64%	―
JILL	63 Neutral	$231.00M	6.35	34.74%	2.04%	-2.37%	-16.40%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
CTRN	53 Neutral	$321.44M	―	-13.32%	―	3.32%	25.71%
GCO	50 Neutral	$338.44M	―	-4.81%	―	2.66%	-4772.54%
CURV	42 Neutral	$119.00M	38.46	―	―	-5.76%	-75.71%
TLYS	41 Neutral	$42.97M	―	-43.51%	―	-11.10%	-10.31%

JJill Corporate Events

J.Jill Earnings Call: Resilience Amid Challenges

The recent earnings call for J.Jill, Inc. reflected a sense of cautious optimism. Despite facing significant challenges such as the impact of tariffs and decreased gross margins, the company demonstrated resilience through successful strategic implementations and improved sales trends. The focus on customer growth and operational improvements provides a solid foundation for future growth.

J.Jill, Inc. Reports Q2 2025 Financial Results

J.Jill, Inc. is a national lifestyle brand specializing in women’s apparel, footwear, and accessories, offering a high-touch customer experience through its network of over 200 stores and a robust e-commerce platform. The company recently reported its financial results for the second quarter of fiscal year 2025, highlighting a slight decline in net sales and gross profit compared to the previous year. Despite a challenging retail environment, J.Jill managed to improve its net income, which increased to $10.5 million from $8.2 million in the same quarter last year, partly due to reduced interest expenses and a strategic focus on aligning inventory with current trends. Key financial metrics for the quarter included a net sales decrease of 0.8% to $154.0 million, a gross margin of 68.4%, and an operating income of $16.8 million. The company also closed two stores, ending the quarter with 247 locations. Looking ahead, J.Jill remains focused on expanding its customer base and enhancing its product assortment, with expectations for flat to slightly declining net sales in the third quarter of fiscal 2025. The management is optimistic about the brand’s potential for sustainable growth and shareholder value enhancement.

J.Jill Declares Quarterly Cash Dividend Announcement

On August 27, 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 October 1, 2025, to shareholders recorded by September 17, 2025. This decision reflects J.Jill’s ongoing commitment to providing value to its shareholders and could impact its financial positioning and stakeholder relations positively.

The most recent analyst rating on (JILL) stock is a Hold with a $17.50 price target. To see the full list of analyst forecasts on JJill stock, see the JILL Stock Forecast page.