J.Jill, Inc. (JILL) stock analysis

P/E above its 5-year median

J.Jill's P/E of 12.5 is above its own 5-year median of 8.4.

P/E below the industry

J.Jill's P/E of 12.5 is below the Apparel and Other Finished Products Made from Fabrics and Similar Materials median of 21.3.

EV/EBITDA above its 5-year median

J.Jill's EV/EBITDA of 4.8 is above its 5-year median of 3.5.

P/B above the industry

J.Jill's price-to-book of 2.37 is above the Apparel and Other Finished Products Made from Fabrics and Similar Materials median of 2.23.

Trading below fair value

The share price of $22.29 is below our fair value estimate of $28.67.

Margin of safety over 20%

The price is 22.3% below fair value, more than the 20% cushion we look for.

Revenue growing under 10% a year

Revenue grew -1.2% a year over the last three fiscal years, short of the 10% we look for.

EPS growing under 10% a year

Diluted EPS grew -14.9% a year over the last three fiscal years.

Earnings acceleration

Needs positive net income now, a year ago and five years ago.

Growing slower than the industry

Revenue grew -2.2% over the last twelve months; the Apparel and Other Finished Products Made from Fabrics and Similar Materials median is 3.9%.

Guidance lowered

J.Jill lowered its full year of fiscal 2026 Net new store growth outlook on Sep 9, 2026.

Gross margin improving

Gross margin was 70.0% over the last twelve months, against 69.5% a year earlier.

Return on equity

Needs positive equity and five years of results.

Return on capital over 10%

Return on invested capital was 31.8%, above the 10% that usually covers the cost of capital.

Return on equity above the industry

J.Jill's return on equity of 20.8% is above the Apparel and Other Finished Products Made from Fabrics and Similar Materials median of 9.5%.

Earnings over 5 years

Needs positive net income five years ago and in the latest year.

Net margin above its 5-year average

Net margin was 4.6% over the last twelve months, against a 5-year average of 3.8%.

Net margin above the industry

J.Jill's net margin of 4.6% is above the Apparel and Other Finished Products Made from Fabrics and Similar Materials median of 3.9%.

High debt

Debt is 51.9% of shareholders' equity, above the 40% we consider low.

Debt trend

Needs a balance sheet from five years ago with positive equity.

Debt covered by cash flow

Operating cash flow over the last twelve months equals 90.2% of total debt.

Interest well covered

Operating income covers interest expense 5.5 times.

Short-term assets cover short-term debts

Current assets are 1.30 times current liabilities.

Bankruptcy risk in the grey zone

The Altman Z-score is 2.08; above 3 is the safe zone and below 1.8 the distress zone.

Pays a dividend

J.Jill paid dividends worth 1.6% of the share price over the last twelve months.

Yield below Treasuries

The 1.6% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; J.Jill yields 1.6%.

Dividend stability

Fewer than five years of dividend history.

Covered by earnings

Dividends take 18.8% of net income.

Covered by free cash flow

Dividends take 10.5% of free cash flow.