JJill (JILL) AI Stock Analysis

• Market Cap: $257.82M
• Dividend Yield: 1.71%
• Average Volume (3M): 89.44K
• Price to Earnings (P/E): 7.5
• Beta (1Y): 1.38
• Revenue Growth: -2.37%
• EPS Growth: -16.40%
• Country: US
• Employees: 1,123
• Sector: Consumer Cyclical
• Sector Strength: 80
• Industry: Apparel - Retail
• EPS (TTM): 0.81
• Shares Outstanding: 15,283,043
• 10 Day Avg. Volume: 83,585
• 30 Day Avg. Volume: 89,440
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.60
• Enterprise Value/Revenue: 0.68
• Enterprise Value/Gross Profit: 0.98
• Enterprise Value/Ebitda: 5.32
• 1Y Price Target: $19.60
• Price Target Upside: 11.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6

• Rating: 68 Neutral
• Price Target: $18.00 ▲(2.39% Upside)

JJill's overall stock score is driven by strong valuation metrics and positive technical indicators. While financial performance shows strengths in profitability and cash flow, challenges in revenue growth and leverage remain. The earnings call highlights strategic resilience despite external pressures.

Positive Factors

Financial Performance

J.Jill, Inc. reported stronger-than-expected results for the second quarter, with revenue surpassing expectations.

Inventory Management

The company’s cleaner inventory position and growing flexibility around inventory management provide earnings support into 2026.

Leadership Strategy

The new CEO, Mary Ellen Coyne, has outlined promising strategies for product, marketing, and operational improvements.

Negative Factors

Guidance and Outlook

The company's guidance for adjusted EBITDA in the third quarter is lower than consensus estimates, reflecting the challenges it faces.

Macroeconomic Impact

There are macroeconomic uncertainties and a conservative outlook for the third quarter due to anticipated price increases and a less promotionally-driven top-line.

Tariff Impact

Elevated tariff rates represent a $5M quarterly headwind, limiting near-term margin recovery despite vendor offsets and pricing actions.

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 exhibits a robust financial standing with commendable profitability, effective equity utilization, and strong cash flow management. While revenue growth is stable, maintaining profitability margins and managing leverage are key areas of focus. Overall, the company is in a healthy position within the Apparel - Retail industry with potential for cautious optimism.

Income Statement

JJill shows a solid financial performance with a gross profit margin of 70.0% and a net profit margin of 5.7% for TTM (Trailing-Twelve-Months). Despite a slight decline in revenue from the previous annual report, the company manages to maintain healthy EBIT and EBITDA margins of 11.0% and 13.4% respectively. The revenue growth rate from 2022 to 2023 was modest, indicating a stable sales environment.

Balance Sheet

JJill has a manageable debt-to-equity ratio of 2.01 in TTM, reflecting a moderate level of leverage. The company’s return on equity (ROE) of 30.8% demonstrates effective utilization of shareholders’ equity to generate profit. The equity ratio of 25.9% reflects a stable financial structure, although there is room for improvement in reducing liabilities.

Cash Flow

The cash flow position is strong with a positive free cash flow and operating cash flow to net income ratio of 1.42 in TTM, signaling efficient cash generation. The free cash flow to net income ratio of 0.89 indicates a reliable conversion of profit into cash. Free cash flow growth has slowed, but remains positive, showing consistent cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	601.71M	610.86M	604.66M	615.27M	585.21M	421.26M
Gross Profit	418.44M	429.86M	427.40M	422.05M	394.44M	242.88M
EBITDA	77.41M	75.70M	99.07M	104.49M	28.22M	-135.65M
Net Income	36.80M	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	35.94M	50.77M	46.38M	59.36M	69.53M	-38.62M
Operating Cash Flow	51.85M	65.04M	63.31M	74.42M	75.00M	-34.81M
Investing Cash Flow	-18.67M	-17.75M	-16.93M	-15.07M	-5.47M	-3.81M
Financing Cash Flow	-16.13M	-74.03M	-71.26M	-8.26M	-37.98M	21.50M

JJill Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.58
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JILL, the sentiment is Positive. The current price of 17.58 is above the 20-day moving average (MA) of 16.27, above the 50-day MA of 15.83, and below the 200-day MA of 19.89, indicating a neutral trend. The MACD of 0.36 indicates Negative momentum. The RSI at 62.55 is Neutral, neither overbought nor oversold. The STOCH value of 54.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JILL.

JJill Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JILL	68 Neutral	$257.82M	7.52	34.74%	1.71%	-2.37%	-16.40%
GCO	62 Neutral	$346.11M	―	-4.81%	―	2.66%	-4772.54%
CTRN	62 Neutral	$321.31M	―	-13.32%	―	3.32%	25.71%
Sector *	61 Neutral	$17.96B	13.14	-5.29%	3.00%	1.25%	-13.95%
ZUMZ	58 Neutral	$327.87M	1,677.27	0.23%	―	3.01%	―
CURV	55 Neutral	$250.07M	25.21		―	-4.21%	-16.35%
TLYS	54 Neutral	$53.97M	―	-43.51%	―	-11.10%	-10.31%

JJill Corporate Events

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.

J.Jill Approves Key Proposals at Annual Meeting

On June 3, 2025, J.Jill, Inc. held its virtual Annual Meeting where stockholders approved several key proposals, including the amendment and restatement of the 2017 Omnibus Equity Incentive Plan, the election of new directors, and the ratification of Grant Thornton LLP as the independent registered public accounting firm. These approvals are expected to impact the company’s governance and financial oversight, potentially influencing its strategic direction and stakeholder confidence.