# J. Jill Inc. (JILL) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Consumer Cyclical / Specialty Retail. Price $22.51, market value $335 million.

## Valuation
- **P/E (trailing): 12.5×** (5-yr avg 9.0×, 3-yr avg 9.2×). J. Jill Inc. trades at 12.5× trailing earnings, well above its own five-year average of 9.0×: investors are paying up relative to the company's past. The Consumer Cyclical median in the September 2026 study was 19.5×. Forward P/E is 9.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.6×**. Each dollar of revenue is priced at 0.6×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 2.4×**. The shares trade at 2.4× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 5.3×**. Enterprise value is 5.3× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 14.5%** (5-yr avg 19.7%). Free cash flow equals 14.5% of the market value, below its five-year average of 19.7%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Gross margin: 70.0%**. J. Jill Inc. keeps 70.0% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 8.1%**. 8.1% of revenue is left after running the business.
- **Net margin: 4.7%**. 4.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 23.0%**. 23.0% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 24.6%**. Return on all capital, debt included, is 24.6%: comfortably above what that capital costs.
- **Return on assets: 6.0%**. Each dollar of assets produces 6.0% of profit.

## Growth
- **Revenue growth (1 yr): -2.3%** (3-yr -1.2%/yr, 5-yr 6.9%/yr). Revenue fell 2.3% over the last year, against 6.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -30.3%** (3-yr -14.9%/yr). Earnings per share fell 30.3%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -27.2%/yr**. Free cash flow has compounded at -27.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 0.60**. Debt is 0.60 times equity, moderate leverage.
- **Net debt / EBITDA: 0.5×**. It would take 0.5 years of operating earnings to repay net borrowings, within the comfortable range.
- **Current ratio: 1.08** (quick 1.08). Current assets cover the next year's liabilities 1.08 times.
- **Altman Z-score: 2.71**. A Z-score of 2.71 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.60%** ($0.34 per share, trailing). J. Jill Inc. yields 1.60%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 17%** (10% of free cash flow). 17% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.

## Price and momentum
- **Total return (1 yr): 60.3%** (YTD 75.1%, 3-mo 28.1%). The shares are up 60.3% over twelve months including dividends.
- **From 52-week high: -10.4%** (116.3% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.46** (volatility 48%). Beta of 0.46 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=JILL · Page: https://foliofundamentals.com/stocks/jill

Not investment advice.