J. Jill Inc. Common Stock (JILL)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at J.Jill as a mature women's apparel retailer with an omnichannel model, and I do not see evidence of a wide moat in these figures. The filed numbers show the difficulty: in FY2025, the year ended 2026-01-31, revenue was $596.5M and net income was $27.9M, or diluted EPS of $1.82. That compares with FY2024, the year ended 2025-02-01, when revenue was $610.9M, net income $39.5M, and diluted EPS $2.61. So sales slipped and profits fell sharply. The latest filed quarter, fiscal Q2 2026 ended 2026-08-01, was much better: revenue of $154.8M, net income of $16.8M, and diluted EPS of $1.11, versus fiscal Q2 2025, the quarter ended 2025-08-02, revenue of $154.0M, net income of $10.5M, and diluted EPS of $0.69. That improvement deserves attention, but one quarter does not erase the multi-year shrinkage reflected in the Lynch category: a slow grower that is shrinking, with profit down 12.9% a year over three years and revenue down 1.2%. At the close on 2026-10-13, the FairStock calculations show a $24.57 price, P/E 13.65, P/B 2.61, FCF yield 12.9%, dividend yield 1.50%, and EV/EBITDA 7.45. The Graham Number is $19.52, leaving a margin of safety of -25.87%, so the price is above that conservative benchmark. The balance sheet worries me more: D/E is 1.57 and Altman Z is 1.03, while ROCE is only 5.00%, despite an ROE of 20.78% and a Piotroski F-score of 9/9. I see a cash-generative but leveraged, slow-growth retailer; the recent quarter is encouraging, but the price does not offer enough protection.

In plain English: J.Jill sells women's clothing, shoes, and accessories through its stores and website. The business has been roughly flat or slightly shrinking over recent years, but it still earns a profit and turns a meaningful amount of sales into cash. At the recent price, the stock looks more expensive than a conservative estimate based on profits and assets, so it does not look like a bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-08-01) · fiscal Q1 2026 10-Q (period ended 2026-05-02) · fiscal Q3 2025 10-Q (period ended 2025-11-01) · fiscal Q2 2025 10-Q (period ended 2025-08-02) · FY2025 10-K (period ended 2026-01-31) · FY2024 10-K (period ended 2025-02-01) · FY2023 10-K (period ended 2024-02-03)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer