JJill (JILL) AI Stock Analysis

• Market Cap: $270.90M
• Dividend Yield: 1.76%
• Average Volume (3M): 102.71K
• Price to Earnings (P/E): 7.4
• Beta (1Y): 1.37
• 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: 83,142
• 30 Day Avg. Volume: 102,711
• 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: 1.52
• Enterprise Value/Revenue: 0.68
• Enterprise Value/Gross Profit: 0.98
• Enterprise Value/Ebitda: 5.32
• 1Y Price Target: $19.60
• Price Target Upside: 10.99% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 6

• Rating: 63 Neutral
• Price Target: $18.50 ▲(4.76% Upside)

JJill's overall score is driven by strong valuation metrics and profitability. However, declining revenue growth, high leverage, and mixed technical signals present risks. The earnings call highlights strategic improvements but also ongoing challenges.

Positive Factors

Strong Profitability

The company's strong gross profit margin and positive cash flow growth indicate effective cost management and a solid financial foundation, supporting long-term business sustainability.

Successful Strategic Initiatives

Implementing ship-from-store capabilities enhances operational efficiency and customer satisfaction, potentially leading to increased sales and improved margins over time.

Free Cash Flow Generation

Strong free cash flow generation provides financial flexibility for strategic investments, debt reduction, and shareholder returns, supporting long-term growth and stability.

Negative Factors

Declining Revenue Growth

Negative revenue growth indicates challenges in market expansion and customer acquisition, potentially impacting long-term profitability and market position if not addressed.

High Leverage

High leverage can limit financial flexibility and increase risk, especially in economic downturns, potentially affecting the company's ability to invest in growth opportunities.

Decreased Gross Margin

A decrease in gross margin suggests increased cost pressures or pricing challenges, which can erode profitability and require strategic adjustments to maintain competitive advantage.

JJill Business Overview & Revenue Model

Company Description

J.Jill, Inc. is a women's apparel retailer known for its comfortable and stylish clothing, primarily targeting women over the age of 35. The company operates in the retail sector, offering a wide range of products including dresses, tops, bottoms, outerwear, and accessories. J.Jill is recognized for its commitment to quality and fit, providing a blend of classic and contemporary styles that cater to the lifestyle needs of its customers. The company sells its products through a combination of physical retail locations and an online platform, enhancing its accessibility to consumers.

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 shows strong profitability with a robust gross profit margin and positive free cash flow growth. However, declining revenue growth and high leverage pose risks to financial stability.

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	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: Neutral
• Last Price: 17.66
• 50DMA: Positive
• 100DMA: Positive
• 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 Neutral. The current price of 17.66 is below the 20-day moving average (MA) of 17.70, above the 50-day MA of 16.63, and below the 200-day MA of 19.19, indicating a neutral trend. The MACD of 0.41 indicates Positive momentum. The RSI at 52.55 is Neutral, neither overbought nor oversold. The STOCH value of 15.89 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JILL.

JJill Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ZUMZ	64 Neutral	342.56M	-3,915.69	-0.52%	―	1.64%	―
JILL	63 Neutral	$270.90M	7.45	34.74%	1.76%	-2.37%	-16.40%
GCO	57 Neutral	326.67M	-12.36	-4.37%	―	2.66%	-4772.54%
CTRN	50 Neutral	255.32M	-15.41	-38.14%	―	3.32%	25.71%
TLYS	49 Neutral	63.39M	-1.37	-45.83%	―	-11.10%	-10.31%
CURV	46 Neutral	175.52M	56.73	-1.65%	―	-5.76%	-75.71%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%

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.