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JJill
(NYSE:JILL)
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Rating:67Neutral
Price Target:
$24.50
▲(23.36% Upside)
Action:Reiterated
Date:09/12/26
The score is driven by solid but not exceptional financials (growth and positive free cash flow, offset by margin compression and meaningful leverage) and a constructive earnings update with raised EBITDA guidance. Technicals are supportive of an uptrend but look overextended (RSI ~78), while valuation appears reasonable with only a modest dividend yield.
Positive Factors
Positive cash generation
Positive operating and free cash flow provide internally generated funding for store, technology, and marketing investment. This strengthens financial resilience and gives J.Jill greater flexibility to support its brand and growth initiatives without relying entirely on external financing.
Negative Factors
Debt-heavy capital structure
Debt remains high relative to equity for a retailer, which limits financial flexibility if demand weakens or operating costs rise. Interest and repayment obligations can compete with store expansion, technology spending, and shareholder returns during a softer trading period.
Read all positive and negative factors
Positive Factors
Negative Factors
Positive cash generation
Positive operating and free cash flow provide internally generated funding for store, technology, and marketing investment. This strengthens financial resilience and gives J.Jill greater flexibility to support its brand and growth initiatives without relying entirely on external financing.
Read all positive factors
JJill Key Performance Indicators (KPIs)
Any
Revenue By Type
Analyzes revenue streams by product or service type, highlighting which areas drive sales and where there might be opportunities or challenges in the business model.
Analyzes revenue streams by product or service type, highlighting which areas drive sales and where there might be opportunities or challenges in the business model.
Data provided by:
The Fly
The FlyJJill (JILL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$346.60M
Dividend Yield1.5%
Average Volume (3M)249.33K
Price to Earnings (P/E)12.8
Beta (1Y)1.07
Revenue Growth-2.25%
EPS Growth-24.65%
CountryUS
Employees3,140
SectorConsumer Cyclical
Sector Strength84
IndustryApparel - Retail
Share Statistics
EPS (TTM)1.82
Shares Outstanding14,862,977
10 Day Avg. Volume181,574
30 Day Avg. Volume249,334
Financial Highlights & Ratios
PEG Ratio-0.28
Price to Book (P/B)1.93
Price to Sales (P/S)0.39
P/FCF Ratio10.09
Enterprise Value/Market Cap1.20
Enterprise Value/Revenue0.71
Enterprise Value/Gross Profit1.03
Enterprise Value/Ebitda6.12
Forecast
1Y Price Target
$24.50Price Target Upside23.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)2.03
Revenue Forecast (FY)$603.43M
JJill Business Overview & Revenue Model
Company Description
J.Jill, Inc. functions as a multi-channel retailer specializing in women's apparel, distributing its unique J.Jill brand merchandise across the United States. Its product selection features a broad range of clothing, including knit and woven tops,...
How the Company Makes Money
J.Jill primarily makes money by selling branded women’s apparel and accessories at retail prices through multiple sales channels. The company’s core revenue stream is net sales from merchandise sold directly to customers via (1) its e-commerce web...
JJill Earnings Call Summary
Earnings Call Date:Sep 09, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Dec 16, 2026
Earnings Call Sentiment Positive
The call was strongly positive, with second-quarter sales and profitability exceeding expectations, improving customer trends, stronger product execution, raised full-year guidance, and continued investment in marketing, technology, and AI capabilities. The company also reported store sales declines, higher SG&A and fuel surcharge costs, tariff-rate uncertainty, assortment opportunities, and delayed store openings, but these challenges were fewer and less prominent than the reported operational progress and growth initiatives.Positive Updates
Second-Quarter Sales Growth and Sequential Improvement
Second-quarter total company sales were $154.8 million, up 0.5% compared to Q2 2025, and comparable sales also increased 0.5%. Management said results exceeded expectations and represented a significant improvement in trend from the first quarter.
Negative Updates
Store Sales Decline
Store sales decreased 0.7% compared to Q2 2025 because stronger full-price sales were more than offset by a decline in markdown selling in stores.
Read all updates
Q2-2026 Updates
Positive
Negative
Second-Quarter Sales Growth and Sequential Improvement
Second-quarter total company sales were $154.8 million, up 0.5% compared to Q2 2025, and comparable sales also increased 0.5%. Management said results exceeded expectations and represented a significant improvement in trend from the first quarter.
Read all positive updates
Company Guidance
The outlook includes net tariff refunds, strategic investments, and cost coverage assumptions: third quarter adjusted EBITDA is expected to be in the range of $20 million-$22 million, with sales up 3%-5%, comps up 1%-3%, and gross margins about flat compared to last year; tariff rates are estimated at 10%-12.5% for goods landed in the second half, with second half tariff costs at current rates expected to be down approximately $1 million compared to prior expectations and down versus last year, beginning in fourth quarter. Full-year adjusted EBITDA is now expected to be in the range of $75 million-$80 million, sales flat to up 2% versus last year, comp sales between down 1% to up 1%, gross margin up 100 to 150 basis points versus prior year, capital expenditures between $20 million and $25 million, one and three net new stores this year, with two planned to open in the third quarter, and free cash flow approximately $40 million; investments are expected to be fairly evenly split between the third and fourth quarters, resulting in a bigger impact to Q4.JJill Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
52
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Jan 2026 | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 588.19M | 596.55M | 610.86M | 608.04M | 618.53M | 585.21M |
| Gross Profit | 406.01M | 409.75M | 429.86M | 430.78M | 425.31M | 394.44M |
| EBITDA | 68.10M | 70.68M | 91.01M | 99.06M | 105.72M | 28.22M |
| Net Income | 27.15M | 27.89M | 39.48M | 36.20M | 42.17M | -28.14M |
Balance Sheet | ||||||
| Total Assets | 457.78M | 450.22M | 417.70M | 428.18M | 466.42M | 451.85M |
| Cash, Cash Equivalents and Short-Term Investments | 76.90M | 41.02M | 35.43M | 62.17M | 87.05M | 35.96M |
| Total Debt | 219.40M | 224.80M | 208.82M | 295.22M | 366.29M | 385.29M |
| Total Liabilities | 317.96M | 328.72M | 311.93M | 390.96M | 466.64M | 496.50M |
| Stockholders Equity | 139.82M | 121.50M | 105.77M | 37.22M | -219.00K | -44.65M |
Cash Flow | ||||||
| Free Cash Flow | 46.93M | 23.23M | 50.77M | 46.38M | 59.36M | 69.53M |
| Operating Cash Flow | 65.40M | 42.14M | 65.04M | 63.31M | 74.42M | 75.00M |
| Investing Cash Flow | -18.46M | -18.91M | -17.75M | -16.93M | -15.07M | -5.47M |
| Financing Cash Flow | -15.56M | -17.64M | -74.03M | -71.26M | -8.26M | -37.98M |
JJill Technical Analysis
Positive
19.86
Price Trends
22.46
Positive
19.24
Positive
16.77
Positive
Market Momentum
0.26
Positive
40.08
Neutral
10.48
Positive
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 19.86 is below the 20-day moving average (MA) of 24.32, below the 50-day MA of 22.46, and above the 200-day MA of 16.77, indicating a neutral trend. The MACD of 0.26 indicates Positive momentum. The RSI at 40.08 is Neutral, neither overbought nor oversold. The STOCH value of 10.48 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JILL.
JJill Risk Analysis
JJill disclosed 57 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | $346.60M | 12.81 | 21.10% | 1.50% | -2.25% | -24.65% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
60 Neutral | $446.84M | 7.90 | 8.38% | 2.20% | 7.32% | -13.12% | |
58 Neutral | $396.34M | 8.97 | 7.60% | ― | 3.00% | ― | |
56 Neutral | $283.92M | 0.84 | 95.71% | ― | 0.40% | 5804.60% | |
51 Neutral | $371.42M | -27.36 | -6.22% | ― | 6.39% | 57.76% | |
43 Neutral | $46.00M | -7.67 | -3.39% | 15.08% | -1.10% | 70.99% |
* Consumer Cyclical Sector Average
JILL
JJill
22.85
7.24
46.42%
CATO
The Cato
2.32
-1.99
-46.17%
GCO
Genesco
37.39
7.22
23.93%
LE
Lands' End
9.76
-6.33
-39.34%
CAL
Caleres
13.35
0.82
6.54%
SFIX
Stitch Fix
2.72
-1.86
-40.55%
JJill Corporate Events
Business Operations and StrategyDividends
J.Jill Board Declares Quarterly Cash Dividend to Shareholders
Positive
Sep 2, 2026
On September 2, 2026, J.Jill, Inc. announced that its Board of Directors had declared a quarterly cash dividend of $0.09 per share on the company’s common stock. The dividend will be paid on October 7, 2026 to shareholders of record as of Se...
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.