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J.Jill, Inc. (JILL)
:JILL
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JJill (JILL) AI Stock Analysis

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JILL

JJill

(NYSE:JILL)

Rating:67Neutral
Price Target:
$16.00
▼(-3.61%Downside)
J.Jill's overall stock score reflects its robust financial performance and attractive valuation, which are tempered by mixed technical indicators and a cautious outlook from the earnings call. The recent dividend announcement adds a positive note, supporting the stock's stability.
Positive Factors
Financial Strategy
The company raised its quarterly dividend by 14% to $0.08 from $0.07.
Leadership
New leadership presents a catalyst for accelerated change and improved performance.
Technology and Systems
Omni-channel capabilities from the new OMS are expected to ramp up, benefiting top-line and margins.
Negative Factors
Consumer Sentiment
Guidance for 1Q25 and FY25 was below expectations, reflecting challenges in consumer sentiment.
Guidance and Outlook
The company withdrew its guidance due to macro uncertainty and a CEO transition, indicating challenges ahead.
Inventory Management
Management expects continued pressure on gross margins due to the need for markdowns on elevated inventory.

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

JJill Business Overview & Revenue Model

Company DescriptionJ.Jill, Inc. (NYSE: JILL) is a premier omnichannel retailer and nationally recognized women's apparel brand focused on providing versatile and high-quality clothing for women. Catering primarily to the 40+ demographic, J.Jill offers a wide range of apparel, accessories, and footwear designed to offer comfort, style, and ease. The company operates through its retail stores, direct-to-consumer channels, including e-commerce and catalog, and has a strong presence in the United States.
How the Company Makes MoneyJ.Jill generates revenue through the sale of women's apparel and accessories across its various distribution channels. The company's primary revenue streams include sales from its brick-and-mortar retail stores, its e-commerce platform, and catalog orders. J.Jill's omnichannel approach allows it to reach a broad customer base and provides a seamless shopping experience across different platforms. The company's earnings are also supported by its ability to design and deliver exclusive, high-quality products that resonate with its target demographic. Additionally, strategic marketing initiatives and loyalty programs help drive customer engagement and repeat purchases, further contributing to its revenue.

JJill Earnings Call Summary

Earnings Call Date:Jun 11, 2025
(Q1-2025)
|
% Change Since: -0.90%|
Next Earnings Date:Sep 04, 2025
Earnings Call Sentiment Neutral
The earnings call highlighted J.Jill's disciplined expense management and successful implementation of a new OMS system, while also emphasizing challenges such as a decline in sales, negative impacts from the OMS cutover, and a decrease in gross margin. The decision to withdraw full-year guidance due to uncertainty further underscores the cautious outlook.
Q1-2025 Updates
Positive Updates
Disciplined Expense Management
J.Jill delivered EBITDA above the high end of their previously guided range due to disciplined expense management despite challenges.
Successful OMS Cutover
The OMS project was successfully implemented, providing a modern platform for scaling and growth.
Loyal Customer Base
J.Jill has a strong and loyal customer base, which the new CEO, Mary Ellen Coyne, sees as a key opportunity for growth.
Strong Balance Sheet
J.Jill has a strong balance sheet with $31 million in cash and zero borrowings against the ABL, providing flexibility to navigate the current environment.
Negative Updates
Decline in Sales
Total company sales for the quarter were about $154 million, down 4.9% compared to Q1 2024, with comparable sales decline of 5.7%.
Negative Impact from OMS Cutover
The OMS cutover had a slightly larger impact on Q1 performance than anticipated, resulting in a $2 million negative impact.
Gross Margin Decrease
Q1 gross margin was 71.8%, down 110 basis points versus Q1 2024, driven by higher mix of markdown sales and higher full-price promotional rates.
Withdrawing Full-Year Guidance
J.Jill is withdrawing their prior full-year guidance and suspending their practice of providing forward guidance on most metrics due to increased uncertainty.
Increased Inventory Levels
Total reported inventories were up about 14% at the end of the first quarter compared to the previous year, leading to potential margin pressure.
Company Guidance
During the J.Jill First Quarter 2025 Earnings Conference Call, the company reported a total sales decline of 4.9% to approximately $154 million compared to Q1 2024, with a comparable sales decline of 5.7%. Store sales fell by 4.4%, and direct sales, which accounted for about 47% of total sales, decreased by 5.4%. Despite these challenges, the company managed to achieve an EBITDA of $27.3 million, slightly above the upper end of their guidance range, primarily due to disciplined expense management. The gross margin decreased by 110 basis points to 71.8%, and SG&A expenses rose to $91 million, driven by store expenses, OMS-related costs, and merit increases. Adjusted net income per diluted share was $0.88, down from $1.22 last year. The company also repurchased 186,800 shares for approximately $3.5 million, leaving around $21 million of the $25 million share repurchase authorization. Looking ahead, J.Jill is withdrawing its full-year guidance due to macroeconomic uncertainties and to allow time for the new CEO, Mary Ellen Coyne, to assess the business. The company plans to continue investing in strategic areas, including marketing and systems, while opening between 1 to 5 net new stores in 2025, down from the previously planned 5 to 10.

JJill Financial Statement Overview

Summary
JJill exhibits strong profitability with a gross profit margin of 70% and robust cash flow management. However, a moderate debt-to-equity ratio and stable revenue growth suggest room for improvement in financial leverage and revenue expansion.
Income Statement
75
Positive
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
65
Positive
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
70
Positive
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.
BreakdownMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue610.86M604.66M615.27M585.21M421.26M
Gross Profit429.86M427.40M422.05M394.44M242.88M
EBITDA75.70M99.07M104.49M28.22M-135.65M
Net Income39.48M36.20M42.17M-28.14M-141.41M
Balance Sheet
Total Assets417.70M428.18M466.42M451.85M499.57M
Cash, Cash Equivalents and Short-Term Investments35.43M62.17M87.05M35.96M4.41M
Total Debt208.82M295.22M366.29M385.29M459.65M
Total Liabilities311.93M390.96M466.64M496.50M598.48M
Stockholders Equity105.77M37.22M-219.00K-44.66M-98.91M
Cash Flow
Free Cash Flow50.77M46.38M59.36M69.53M-38.62M
Operating Cash Flow65.04M63.31M74.42M75.00M-34.81M
Investing Cash Flow-17.75M-16.93M-15.07M-5.47M-3.81M
Financing Cash Flow-74.03M-71.26M-8.26M-37.98M21.50M

JJill Technical Analysis

Technical Analysis Sentiment
Positive
Last Price16.60
Price Trends
50DMA
15.55
Positive
100DMA
16.48
Negative
200DMA
21.09
Negative
Market Momentum
MACD
0.20
Negative
RSI
60.23
Neutral
STOCH
85.83
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 16.6 is above the 20-day moving average (MA) of 15.35, above the 50-day MA of 15.55, and below the 200-day MA of 21.09, indicating a neutral trend. The MACD of 0.20 indicates Negative momentum. The RSI at 60.23 is Neutral, neither overbought nor oversold. The STOCH value of 85.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JILL.

JJill Risk Analysis

JJill disclosed 55 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 (63)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
$253.70M7.4041.77%1.83%-2.24%-33.43%
63
Neutral
$262.25M-3.07%1.85%22.34%
63
Neutral
$17.10B10.79-8.01%2.94%1.62%-25.73%
56
Neutral
$269.23M1,377.270.23%3.01%
52
Neutral
$252.31M-29.52%1.85%-337.77%
52
Neutral
$49.15M-47.54%-8.79%-15.17%
46
Neutral
$295.25M29.77
-4.21%-16.35%
* Consumer Cyclical Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JILL
JJill
16.36
-20.88
-56.07%
CTRN
Citi Trends
30.42
11.73
62.76%
GCO
Genesco
24.33
-4.82
-16.54%
TLYS
Tilly's
1.97
-3.65
-64.95%
ZUMZ
Zumiez
15.15
-8.42
-35.72%
CURV
Torrid Holdings
2.70
-5.30
-66.25%

JJill Corporate Events

Executive/Board ChangesShareholder Meetings
J.Jill Approves Key Proposals at Annual Meeting
Neutral
Jun 6, 2025

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.

The most recent analyst rating on (JILL) stock is a Hold with a $37.00 price target. To see the full list of analyst forecasts on JJill stock, see the JILL Stock Forecast page.

Dividends
J.Jill Declares Quarterly Cash Dividend Announcement
Positive
Jun 3, 2025

On June 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. This dividend is set to be paid on July 9, 2025, to stockholders recorded by June 25, 2025, reflecting the company’s commitment to returning value to its shareholders.

The most recent analyst rating on (JILL) stock is a Hold with a $22.00 price target. To see the full list of analyst forecasts on JJill stock, see the JILL Stock Forecast page.

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: Jul 22, 2025