J. JILL INC (JILL) Stock Fundamental Analysis
USA - NYSE:JILL - US46620W2017 - Common Stock
13.73 USD
+0.11 (+0.81%)
Overall JILL gets a fundamental rating of 6 out of 10. We evaluated JILL against 122 industry peers in the Specialty Retail industry. While JILL has a great profitability rating, there are some minor concerns on its financial health. JILL is valued quite cheap, but it does not seem to be growing. These ratings could make JILL a good candidate for value investing.
1. Profitability
1.1 Basic Checks
JILL had positive earnings in the past year.
JILL had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: JILL reported negative net income in multiple years.
Of the past 5 years JILL 4 years had a positive operating cash flow.
1.2 Ratios
JILL has a better Return On Assets (8.43%) than 81.15% of its industry peers.
JILL has a better Return On Equity (30.29%) than 86.89% of its industry peers.
The Return On Invested Capital of JILL (13.95%) is better than 82.79% of its industry peers.
JILL had an Average Return On Invested Capital over the past 3 years of 19.89%. This is significantly above the industry average of 11.78%.
The 3 year average ROIC (19.89%) for JILL is well above the current ROIC(13.95%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.43% | ||
| ROE | 30.29% | ||
| ROIC | 13.95% |
ROA(3y)8.99%
ROA(5y)-1.46%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)19.89%
ROIC(5y)N/A
1.3 Margins
JILL has a better Profit Margin (6.12%) than 80.33% of its industry peers.
The Operating Margin of JILL (10.11%) is better than 82.79% of its industry peers.
JILL's Operating Margin has improved in the last couple of years.
JILL has a better Gross Margin (69.54%) than 95.90% of its industry peers.
JILL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.11% | ||
| PM (TTM) | 6.12% | ||
| GM | 69.54% |
OM growth 3Y7.67%
OM growth 5Y34.72%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.45%
GM growth 5Y2.57%
2. Health
2.1 Basic Checks
JILL has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
The number of shares outstanding for JILL has been increased compared to 1 year ago.
Compared to 5 years ago, JILL has more shares outstanding
Compared to 1 year ago, JILL has an improved debt to assets ratio.
2.2 Solvency
JILL has an Altman-Z score of 1.91. This is not the best score and indicates that JILL is in the grey zone with still only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.91, JILL is in line with its industry, outperforming 46.72% of the companies in the same industry.
The Debt to FCF ratio of JILL is 2.11, which is a good value as it means it would take JILL, 2.11 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of JILL (2.11) is better than 74.59% of its industry peers.
JILL has a Debt/Equity ratio of 0.58. This is a neutral value indicating JILL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.58, JILL is in line with its industry, outperforming 51.64% of the companies in the same industry.
Although JILL does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 2.11 | ||
| Altman-Z | 1.91 |
ROIC/WACC1.29
WACC10.82%
2.3 Liquidity
JILL has a Current Ratio of 1.11. This is a normal value and indicates that JILL is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.11, JILL is doing worse than 67.21% of the companies in the same industry.
A Quick Ratio of 0.64 indicates that JILL may have some problems paying its short term obligations.
With a Quick ratio value of 0.64, JILL perfoms like the industry average, outperforming 58.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.11 | ||
| Quick Ratio | 0.64 |
3. Growth
3.1 Past
JILL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.59%.
The Earnings Per Share has been growing by 58.31% on average over the past years. This is a very strong growth
Looking at the last year, JILL shows a decrease in Revenue. The Revenue has decreased by -2.37% in the last year.
The Revenue has been decreasing by -2.44% on average over the past years.
EPS 1Y (TTM)-11.59%
EPS 3Y4.38%
EPS 5Y58.31%
EPS Q2Q%-22.86%
Revenue 1Y (TTM)-2.37%
Revenue growth 3Y1.44%
Revenue growth 5Y-2.44%
Sales Q2Q%-0.81%
3.2 Future
Based on estimates for the next years, JILL will show a decrease in Earnings Per Share. The EPS will decrease by -9.49% on average per year.
JILL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.69% yearly.
EPS Next Y-28.85%
EPS Next 2Y-9.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.02%
Revenue Next 2Y0.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 4.73 indicates a rather cheap valuation of JILL.
95.90% of the companies in the same industry are more expensive than JILL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.47. JILL is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 4.82 indicates a rather cheap valuation of JILL.
Based on the Price/Forward Earnings ratio, JILL is valued cheaply inside the industry as 95.90% of the companies are valued more expensively.
JILL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.73 | ||
| Fwd PE | 4.82 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of JILL indicates a rather cheap valuation: JILL is cheaper than 93.44% of the companies listed in the same industry.
95.90% of the companies in the same industry are more expensive than JILL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.3 | ||
| EV/EBITDA | 2.85 |
4.3 Compensation for Growth
The excellent profitability rating of JILL may justify a higher PE ratio.
A cheap valuation may be justified as JILL's earnings are expected to decrease with -9.49% in the coming years.
PEG (NY)N/A
PEG (5Y)0.08
EPS Next 2Y-9.49%
EPS Next 3YN/A
5. Dividend
5.1 Amount
JILL has a Yearly Dividend Yield of 2.08%.
Compared to an average industry Dividend Yield of 5.59, JILL pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, JILL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
5.2 History
JILL has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
JILL pays out 12.48% of its income as dividend. This is a sustainable payout ratio.
DP12.48%
EPS Next 2Y-9.49%
EPS Next 3YN/A
NYSE:JILL (11/19/2025, 2:57:07 PM)
13.73
+0.11 (+0.81%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners50.99%
Inst Owner Change-6.49%
Ins Owners5.19%
Ins Owner Change-0.71%
Market Cap209.11M
Revenue(TTM)601.71M
Net Income(TTM)36.80M
Analysts83.64
Price Target20.4 (48.58%)
Short Float %9.03%
Short Ratio10.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
Yearly Dividend0.22
Dividend Growth(5Y)N/A
DP12.48%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.56%
Min EPS beat(2)0.32%
Max EPS beat(2)2.8%
EPS beat(4)4
Avg EPS beat(4)16.11%
Min EPS beat(4)0.32%
Max EPS beat(4)51.8%
EPS beat(8)8
Avg EPS beat(8)565.21%
EPS beat(12)12
Avg EPS beat(12)402.07%
EPS beat(16)16
Avg EPS beat(16)355.53%
Revenue beat(2)0
Avg Revenue beat(2)-2.67%
Min Revenue beat(2)-5.09%
Max Revenue beat(2)-0.24%
Revenue beat(4)0
Avg Revenue beat(4)-2.23%
Min Revenue beat(4)-5.09%
Max Revenue beat(4)-0.24%
Revenue beat(8)1
Avg Revenue beat(8)-1.37%
Revenue beat(12)3
Avg Revenue beat(12)-1.03%
Revenue beat(16)5
Avg Revenue beat(16)-0.66%
PT rev (1m)0%
PT rev (3m)-7.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-31.01%
EPS NY rev (1m)-2.9%
EPS NY rev (3m)-14.64%
Revenue NQ rev (1m)0.92%
Revenue NQ rev (3m)-1.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.73 | ||
| Fwd PE | 4.82 | ||
| P/S | 0.35 | ||
| P/FCF | 6.3 | ||
| P/OCF | 4.03 | ||
| P/B | 1.72 | ||
| P/tB | 66.7 | ||
| EV/EBITDA | 2.85 |
EPS(TTM)2.9
EY21.12%
EPS(NY)2.85
Fwd EY20.76%
FCF(TTM)2.18
FCFY15.87%
OCF(TTM)3.4
OCFY24.8%
SpS39.51
BVpS7.98
TBVpS0.21
PEG (NY)N/A
PEG (5Y)0.08
Graham Number22.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.43% | ||
| ROE | 30.29% | ||
| ROCE | 19.05% | ||
| ROIC | 13.95% | ||
| ROICexc | 16.27% | ||
| ROICexgc | 28.66% | ||
| OM | 10.11% | ||
| PM (TTM) | 6.12% | ||
| GM | 69.54% | ||
| FCFM | 5.51% |
ROA(3y)8.99%
ROA(5y)-1.46%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)19.89%
ROIC(5y)N/A
ROICexc(3y)25.04%
ROICexc(5y)N/A
ROICexgc(3y)55%
ROICexgc(5y)N/A
ROCE(3y)27.16%
ROCE(5y)N/A
ROICexgc growth 3Y9.82%
ROICexgc growth 5Y54.28%
ROICexc growth 3Y12.26%
ROICexc growth 5Y49.76%
OM growth 3Y7.67%
OM growth 5Y34.72%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.45%
GM growth 5Y2.57%
F-Score6
Asset Turnover1.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 2.11 | ||
| Debt/EBITDA | 0.85 | ||
| Cap/Depr | 88.3% | ||
| Cap/Sales | 3.1% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 63.25% | ||
| Profit Quality | 90.15% | ||
| Current Ratio | 1.11 | ||
| Quick Ratio | 0.64 | ||
| Altman-Z | 1.91 |
F-Score6
WACC10.82%
ROIC/WACC1.29
Cap/Depr(3y)71.89%
Cap/Depr(5y)49.13%
Cap/Sales(3y)2.71%
Cap/Sales(5y)1.99%
Profit Quality(3y)129.51%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-11.59%
EPS 3Y4.38%
EPS 5Y58.31%
EPS Q2Q%-22.86%
EPS Next Y-28.85%
EPS Next 2Y-9.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.37%
Revenue growth 3Y1.44%
Revenue growth 5Y-2.44%
Sales Q2Q%-0.81%
Revenue Next Year-1.02%
Revenue Next 2Y0.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-27.98%
EBIT growth 3Y9.22%
EBIT growth 5Y31.43%
EBIT Next Year6.08%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-39.2%
FCF growth 3Y-12.07%
FCF growth 5Y26.79%
OCF growth 1Y-30.49%
OCF growth 3Y-4.64%
OCF growth 5Y14.78%
J. JILL INC / JILL FAQ
What is the ChartMill fundamental rating of J. JILL INC (JILL) stock?
ChartMill assigns a fundamental rating of 6 / 10 to JILL.
What is the valuation status of J. JILL INC (JILL) stock?
ChartMill assigns a valuation rating of 8 / 10 to J. JILL INC (JILL). This can be considered as Undervalued.
Can you provide the profitability details for J. JILL INC?
J. JILL INC (JILL) has a profitability rating of 8 / 10.
Can you provide the PE and PB ratios for JILL stock?
The Price/Earnings (PE) ratio for J. JILL INC (JILL) is 4.73 and the Price/Book (PB) ratio is 1.72.
Can you provide the dividend sustainability for JILL stock?
The dividend rating of J. JILL INC (JILL) is 3 / 10 and the dividend payout ratio is 12.48%.