JJill (JILL) AI Stock Analysis

• Market Cap: $261.04M
• Dividend Yield: 2.25%
• Average Volume (3M): 46.67K
• Price to Earnings (P/E): 7.9
• Beta (1Y): 1.60
• Revenue Growth: -2.67%
• EPS Growth: -22.93%
• Country: US
• Employees: 1,123
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Apparel - Retail
• EPS (TTM): 0.76
• Shares Outstanding: 15,115,353
• 10 Day Avg. Volume: 39,084
• 30 Day Avg. Volume: 46,675
• 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: 1.13
• Enterprise Value/Revenue: 0.49
• Enterprise Value/Gross Profit: 0.71
• Enterprise Value/Ebitda: 3.72
• 1Y Price Target: $18.00
• Price Target Upside: 4.23% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 2.76
• Revenue Forecast (FY): $610.41M

• Rating: 65 Neutral
• Price Target: $18.50 ▲(7.12% Upside)
• Action: Reiterated Date: 01/12/26
• Date: Action: Reiterated 01/12/26

The score is driven primarily by mixed financial performance (solid margins and cash flow but declining revenue and high leverage). Valuation is a key offset with a low P/E and dividend yield, while technical signals are neutral-to-soft and the earnings outlook remains cautious despite some positive corporate updates.

Positive Factors

High gross margins

Sustained ~70% gross margins indicate durable product-level profitability and pricing power in core categories. High gross margin cushions the P&L against top-line weakness, funds marketing and product innovation, and supports EBIT/EBITDA resilience even if sales growth is muted.

Improving free cash flow generation

Double-digit FCF growth and strong FCF-to-income conversion reflect efficient operations and working capital control. Robust cash generation enables deleveraging, buybacks, dividends, and disciplined capex, increasing financial flexibility across multiple quarters.

Refinancing reduces interest expense

Refinancing to a $75M term loan that trims annual interest expense is a structural improvement to financing cost and liquidity. Lower ongoing interest outflows improve net cash flow, easing strain from leverage and freeing resources for operations and shareholder returns.

Negative Factors

Declining revenue trend

Sustained top-line contraction undermines scale economies and raises the risk that fixed costs and inventory become harder to absorb. Continued revenue declines pressure long-term margin sustainability, make deleveraging more difficult, and limit investment in growth initiatives.

Elevated leverage

Material leverage increases vulnerability to slower sales and interest-rate shifts. A debt-to-equity near 1.2 constrains strategic flexibility, requires steady cash generation to service obligations, and raises refinancing risk if top-line weakness persists over multiple quarters.

Promotional environment and margin pressure

A structurally promotional competitive landscape forces discounting that erodes margins and inventory turns. If assortments and demand mismatch persist, the company may face recurring markdowns, inventory build, and higher SG&A to drive traffic, impairing durable profitability.

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 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 Financial Statement Overview

Summary

Mixed fundamentals: strong gross margin and improving free-cash-flow generation, but revenue is declining and leverage remains elevated (debt-to-equity 1.19), increasing risk if sales pressure persists.

Income Statement

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

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

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	Jan 2025	Jan 2024	Jan 2023	Jan 2022	Jan 2021
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	79.60M	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	38.07M	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: Positive
• Last Price: 17.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 17.27 is above the 20-day moving average (MA) of 16.69, above the 50-day MA of 15.70, and above the 200-day MA of 15.74, indicating a bullish trend. The MACD of 0.44 indicates Negative momentum. The RSI at 64.95 is Neutral, neither overbought nor oversold. The STOCH value of 80.77 is Negative, 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	65 Neutral	$261.04M	7.88	28.98%	2.25%	-2.67%	-22.93%
GCO	63 Neutral	$293.99M	-147.88	-0.13%	―	2.76%	96.01%
ZUMZ	62 Neutral	$444.42M	54.22	2.79%	―	2.81%	―
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
CTRN	54 Neutral	$395.40M	-23.74	-13.76%	―	5.77%	35.12%
TLYS	48 Neutral	$43.88M	-1.27	-34.77%	―	-8.31%	36.10%
CURV	45 Neutral	$101.18M	-45.95	―	―	-7.33%	-114.80%

JJill Corporate Events

J.Jill Raises Fiscal 2025 Outlook After Strong Holidays

On January 12, 2026, J.Jill, Inc. raised its fourth-quarter fiscal 2025 outlook after a stronger-than-expected finish to the holiday season, ahead of its participation in the 28th Annual ICR Conference. The company now forecasts fourth-quarter net sales down 4% to 6% and comparable sales down 6% to 8% versus 2024, but with higher Adjusted EBITDA of $5 million to $6 million, despite about $5 million in incremental tariff-related costs. For full-year fiscal 2025, J.Jill now expects net sales to decline about 3% and comparable sales about 4% year on year, with Adjusted EBITDA of $82 million to $83 million, unchanged capital expenditures of roughly $20 million, and net growth of four new stores, reflecting improved profitability guidance that suggests resilient margins and ongoing investment in its store base and operations despite modest top-line pressure.

The most recent analyst rating on (JILL) stock is a Hold with a $16.00 price target. To see the full list of analyst forecasts on JJill stock, see the JILL Stock Forecast page.

J.Jill Secures New $75 Million Loan Agreement

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.

The most recent analyst rating on (JILL) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on JJill stock, see the JILL Stock Forecast page.

J.Jill Declares Quarterly Cash Dividend

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.

The most recent analyst rating on (JILL) stock is a Hold with a $16.50 price target. To see the full list of analyst forecasts on JJill stock, see the JILL Stock Forecast page.