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what it is
J.Jill sells women’s apparel through about 200 stores, its website, and catalogs across the U.S.
how it gets paid
Last year J.Jill made $611M in revenue. Knit and woven tops was the main engine at ~$159M, or 26% of sales.
why it's growing
Revenue grew 0.5% last year. EDGAR lists the latest reported period at $458M of revenue and $2.05 of EPS.
what just happened
The clean earnings takeaway is 70.4% gross margin, which is how J.Jill keeps looking cheap without looking broken.
At a glance
C+ balance sheet — struggling to keep the lights on
10/100 earnings predictability — expect surprises
6.5x trailing p/e — the market's not buying it — or you found a deal
2.1% dividend yield — cash in your pocket every quarter
27.0% return on capital — every dollar works hard here
xvary composite: 29/100 — weak
What they do
J.Jill sells women’s apparel through about 200 stores, its website, and catalogs across the U.S.
J.Jill wins by keeping the brand narrow and the distribution tight. You get one label, about 200 stores, a robust e-commerce platform, and in-house merchandising built for Misses, Women’s, and Tall sizes. That focus shows up in a 70.4% gross margin (gross margin → money left after product costs → the clothes are priced well above cost) and a 16.0% operating margin (operating margin → profit after running the business → this niche still throws off real cash).
How they make money
$611M
annual revenue · their business grew +0.5% last year
Knit and woven tops
~$159M
Bottoms
~$147M
Dresses
~$98M
Sweaters and outerwear
~$110M
Footwear and accessories
~$98M
The products that matter
women’s apparel and accessories
Apparel & Accessories
$600.98M · almost the entire business
It generated $600.98M in annual revenue and declined 0.5% from the prior year. That tells you the brand is still substantial, but not growing.
core revenue base
online and catalog sales channel
Direct (e-commerce & catalog)
one of two primary channels
This is one of the two main ways J.Jill reaches customers. The data here does not break out channel revenue, which matters because you would want to know whether direct is offsetting store maturity.
channel to watch
physical store sales
Retail stores
250+ stores
The store base gives the brand national reach, but it also adds fixed costs. In a flat-revenue story, that store footprint can help scale or turn into drag.
fixed-cost exposure
Key numbers
6.5x
trailing p/e
P/E → price-to-earnings → how much you pay for each dollar of profit. You are paying small-cap retail prices for a 16.0% operating margin business.
16.0%
operating margin
Operating margin → profit after running stores, marketing, and staff → so what: this retailer keeps $0.16 from each sales dollar before interest and taxes.
27.0%
return on capital
Return on capital → profit earned on the money tied up in the business → so what: management has been getting $0.27 back for each $1 invested.
$185M
long-term debt
Debt is 44% of capital, which is the part of the story that keeps this from being an easy yes.
Financial health
C+
strength
- balance sheet grade C+ — weak — may struggle to fund operations
- risk rank 4 — safer than 20% of stocks
- price stability 10 / 100
- long-term debt $185M (44% of capital)
C+ — balance sheet grade and long-term debt are flagged. this stock carries more risk than average.
Total return vs. market
Return history isn't available for JILL right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The clean earnings takeaway is 70.4% gross margin, which is how J.Jill keeps looking cheap without looking broken.
EDGAR lists the latest reported period at $458M of revenue and $2.05 of EPS, while Yahoo consensus shows the last EPS print at $0.69 with no published estimate. The period labels do not line up cleanly, but the margin signal does: this business is still selling apparel far above product cost.
$458M
revenue
$2.05
eps
70.4%
gross margin
the number that mattered
Gross margin at 70.4% matters most because margin, not sales growth, is carrying the valuation case.
source: EDGAR company filing and company earnings materials, 2025
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What could go wrong
the #1 risk is J.Jill failing to restart revenue growth.
high
stagnant sales in a crowded segment
Annual revenue was $600.98M and declined 0.5% from the prior year. That is the core problem. Apparel retail can forgive a lot, but not a brand that stops growing while competitors keep taking closet space.
If the top line stays flat, the low 6.5x multiple may be correct rather than cheap.
med
ceo transition risk
Mary Ellen Coyne took over on may 1, 2025. New leadership can improve execution, but transition periods also create fresh strategy risk, especially when the business already lacks a moat.
If management changes fail to lift demand, the turnaround narrative fades fast.
med
debt limits flexibility
J.Jill carries $185M in long-term debt, equal to 44% of capital. That is manageable if operations hold up. It is less comfortable when revenue is flat and the stock is already volatile.
Debt turns ordinary retail mistakes into balance sheet problems faster than you want.
low
old legal issue, low current relevance
A 2019 class action was settled for $4.75M. The case is closed, so this is history, not the current thesis.
Minimal ongoing operational impact based on the snapshot data.
The combined risk picture is straightforward: 100% of this $600.98M revenue base depends on management getting a mature apparel brand growing again while carrying $185M in debt.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
march 31, 2026 earnings report
This is the next hard checkpoint. You need to see whether the raised Q4 guidance turns into delivered numbers.
trend
revenue moving above flat
$611M in annual revenue is the anchor. Any sign of sustained growth matters more than minor multiple expansion.
metric
gross margin holding near 69.4%
Margin is the part of the story that still looks premium. If that slips while sales stay flat, the bull case loses its best support.
risk
debt staying manageable
$185M in debt is survivable. It becomes a real issue if operating momentum stalls and flexibility shrinks.
Analyst rankings
earnings predictability
10 / 100
A 10 / 100 score means reported results have not been easy to model. In human-speak, analysts do not trust this business to deliver smooth, repeatable earnings.
source: institutional data
Institutional activity
institutional ownership data for JILL is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$14
current price
n/a
target midpoint · n/a from current
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