One-glance verdict
Undervalued
$60.99 our estimate vs market $24.50
Wall Street consensus: $23.75 (-61.1% lower than our fair-value estimate)
60% below our estimate, below the bear case
Fundamentals snapshot
J.Jill, Inc.
JILL · NYQ · Consumer Cyclical · Apparel Retail
Current price
$24.50
52-week range
$10.40 - $24.69
Market cap
$364.14M
Balance sheet
Stretched
4.92x Stretched
Net debt $142.50M. Interest coverage shows how many times profit covers the interest bill.
What stands out
3 Rewards
3 Risks
3 rewards · 3 risks
- Reward Returns 20.8% on equity, ahead of 50% of its peers.
- Reward Free cash flow was positive in 7/10 years.
- Risk Stock trades 44.6% above its 5-year average P/E.
- Risk Insider ownership is only 4.9% (peer median: 37.0%).
What this company does
J.Jill, Inc.
J.Jill is a retail company that sells women's clothing, shoes, and accessories. It makes money by selling its products through its website, mail-order catalogs, and its own physical stores. This is important because the company's performance depends on attracting shoppers across all these different ways to buy.
How the company got here
J.Jill started in 1959 as a single specialty clothing store in Massachusetts and grew into a business that sold clothes through catalogs mailed to customers' homes. [12] In 1999, it opened its first physical retail stores and also launched a website for online shopping. [7, 12] The company has been bought and sold by other retailers and private investment firms over the years, including Talbots and Golden Gate Capital. [4] It became a publicly traded company on the New York Stock Exchange in 2017, which means its shares of stock can be bought and sold by the public. [4, 10]
What it actually does
J.Jill is a retailer that sells women's clothing, shoes, and accessories like jewelry and scarves. [3, 19] The company designs its own products, focusing on comfortable and easy styles for women who are typically 45 years and older. [15, 14] It operates as an omnichannel retailer (a mix of physical and online shopping experiences), selling its products through its own website, catalogs, and over 200 physical stores across the United States. [3, 6, 12]
Direct
This part of the business sells clothing directly to customers through J.Jill's website and mail-order catalogs. [6] When a customer places an order online or over the phone, it is fulfilled by this segment. Online sales make up the vast majority of this business, with catalog phone orders being a very small piece. [6] This channel is a significant part of the company, making up nearly half of its total sales. [6]
Retail
This segment consists of the company's physical J.Jill stores that you can walk into in shopping malls and lifestyle centers. [6, 14] Customers can try on and purchase clothing and accessories directly from these locations. This is the slightly larger part of the business, responsible for just over half of the company's total revenue (the total amount of money generated from sales). [6]
What management is betting on now
The company's leadership is focused on three main goals to grow the business. [8] First, they are evolving their product selection by adding new styles and expanding into new categories like sleepwear. [8, 14] Second, they are enhancing the customer's shopping experience by shifting more marketing efforts to digital advertising and launching a new loyalty program. [8, 14] Finally, they are working to improve operational efficiency (the ability to run the business smoothly with less waste) by investing in new technology and carefully opening a small number of new, profitable stores. [8, 14]
Price history
How the share price has moved
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Earnings history
Last 8 quarters — what happened
Click any quarter to read the call summary and what the numbers say.
FY2025 Q4
$14.65M
FY2026 Q1
$1.38M
FY2026 Q2
$3.10M
FY2026 Q3
$17.11M
FY2026 Q4
$16.03M
FY2027 Q2
$-881.00K
FY2027 Q3
$44.52M
Revenue
$154.83M
Net income
$16.77M
Diluted EPS
1.11
Operating cash flow
$46.27M
Free cash flow
$44.52M
Fetching…
Sources
Revenue
$144.43M
Net income
$4.69M
Diluted EPS
0.31
Operating cash flow
$1.69M
Free cash flow
$-881.00K
Fetching…
Sources
Revenue
$150.53M
Net income
$9.21M
Diluted EPS
0.60
Operating cash flow
$19.05M
Free cash flow
$16.03M
Fetching…
Sources
Revenue
$153.99M
Net income
$10.52M
Diluted EPS
0.69
Operating cash flow
$19.36M
Free cash flow
$17.11M
Fetching…
Sources
Revenue
$153.62M
Net income
$11.69M
Diluted EPS
0.76
Operating cash flow
$5.34M
Free cash flow
$3.10M
Fetching…
Sources
Revenue
$142.84M
Net income
$2.25M
Diluted EPS
0.11
Operating cash flow
$8.09M
Free cash flow
$1.38M
Fetching…
Sources
Revenue
$151.26M
Net income
$12.35M
Diluted EPS
0.80
Operating cash flow
$19.07M
Free cash flow
$14.65M
Fetching…
Sources
Is it cheap or expensive?
Fair value $60.99 vs current price $24.50
Wall Street consensus is the average analyst price target: $23.75 (-61.1% lower than our fair-value estimate).
Our most-likely fair value is $60.99 a share — about 148.9% above today's price of $24.50, so the stock currently looks cheap (undervalued).
Is it drowning in debt?
Stretched
Net debt $142.5M. Interest coverage 4.9x.
Net debt
$142.50M
Interest coverage
4.92x
J.Jill, Inc.'s profit covers its interest bill about 4.9 times over. which is stronger than every peer shown here and 3 peers sit below 1x, which is the danger zone where profit does not fully cover the interest bill.
Stretched
Worse cushion
Baseline
Better cushion
JILL
BASELINE
J.Jill, Inc.
Total debt $219.40M Interest coverage 4.92x This is the baseline the peer rows are being compared against.
Total debt $417.49M Interest coverage 0.67x -86% vs JILL Carries about 7.3x less debt cushion than JILL.
Total debt $76.67M Interest coverage 1.21x -75% vs JILL Carries about 4.1x less debt cushion than JILL.
Total debt $141.09M Interest coverage -1.72x -100% vs JILL This peer has almost no interest-payment cushion compared with JILL.
Total debt $138.63M Interest coverage -122.37x -100% vs JILL This peer has almost no interest-payment cushion compared with JILL.
What you should know
The case for and against JILL
3 Rewards
3 Risks
Rewards
-
Returns 20.8% on equity, ahead of 50% of its peers.
-
Free cash flow was positive in 7/10 years.
-
Dividend yield is 1.5% with 3-year payout history.
Risks
-
Stock trades 44.6% above its 5-year average P/E.
-
Insider ownership is only 4.9% (peer median: 37.0%).
-
Operating margin compressed from 13.0% to 7.1% over 3 years.
The numbers
All the key metrics, grouped by purpose
Tap any ? icon to learn what it means.
Valuation
How expensive the stock looks
P/E (TTM)
13.61x
Forward P/E
9.86x
P/B
2.60x
P/S
0.62x
EV/EBITDA
8.82x
PEG ratio
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Profitability
How much profit each dollar creates
Gross margin
67.7%
Operating margin
7.1%
Net margin
4.6%
ROE
20.8%
ROA
5.0%
Health
Liquidity and balance-sheet strength
Debt / equity
1.57x
Current ratio
1.30x
Quick ratio
0.69x
Total debt
$219.40M
Total cash
$76.90M
Growth
How the business has been compounding
Revenue TTM
$588.19M
Revenue 5Y CAGR
8.7%
EPS TTM
1.80
EPS 5Y CAGR
-14.9%
Cash flow
How much cash the business throws off
Operating CF TTM
$65.40M
Free CF TTM
$25.21M
FCF margin
4.3%
Dividend
Shareholder payout
Yield
1.5%
Payout ratio
18.9%
Last ex-div date
2026-09-23