J.Jill, Inc. (JILL) AI Stock Analysis

J.Jill, Inc. is an omnichannel retailer specializing in women's apparel through the J.Jill brand in the United States. Its product portfolio features knit and woven tops, bottoms, dresses, sweaters, outerwear, footwear, and accessories like scarves, jewelry, and hosiery. The company markets its collections through retail locations, an e-commerce website, and traditional catalogs. Founded in 1959 and based in Quincy, Massachusetts, J.Jill operated 253 stores as of March 2022. It focuses on offering versatile, comfortable, and stylish clothing tailored to the everyday lifestyles and fashion preferences of contemporary women.

Over the past five fiscal years, J.Jill posted a revenue compound annual growth rate of 7.2% from FY2021 to FY2026. Annual revenue peaked at $618.5M in FY2023 before easing to $608.0M in FY2024 and $610.9M in FY2025. In FY2026, revenue fell 2.3% to $596.5M, while gross margin stood at 68.7% and operating margin declined to 8.6% from 12.5% in FY2025. Net income dropped to $27.9M in FY2026, producing diluted earnings per share of $2.43. For the trailing twelve months ended July 31, 2026, revenue totaled $588.2M with a profit margin of 4.6% and diluted EPS of $1.80. In that latest quarter, quarterly revenue rose 0.5% year-over-year while quarterly earnings expanded 61.0%.

As of July 31, 2026, J.Jill held $76.9M in cash and short-term investments against $219.4M in total debt, resulting in net debt of $142.5M. Total assets stood at $457.8M and shareholders' equity was $139.8M, representing a debt-to-equity ratio of 1.57 and a current ratio of 1.30. In FY2026, operating cash flow was $42.1M and free cash flow reached $23.2M. Cash allocation in FY2026 included $18.9M in capital expenditures, $2.4M in share buybacks, and $4.9M in dividend payments.

J.Jill trades at a trailing price-to-earnings ratio of 13.6x and a forward P/E of 7.2x, both below the median of its US-listed Consumer Cyclical peers of 18.0x and 14.1x, respectively. Its enterprise value-to-EBITDA multiple is 7.4x compared to the peer median of 11.1x, and its price-to-sales ratio is 0.6x versus the peer median of 0.7x. Over the past year, JILL shares returned 64.4%, outpacing the S&P 500 (SPY) return of 16.8%, while its 5-year return of 52.0% trails the index return of 83.0%.

J.Jill pays a quarterly dividend with an annual forward payout of $0.36 per share, yielding 1.47% as of October 16, 2026. The dividend payout ratio stands at 14.4%, and the company has paid dividends for 3 consecutive years. Its most recent ex-dividend date was September 23, 2026.

Wall Street coverage consists of 2 Strong Buy and 3 Hold recommendations. The mean price target is $24.50, implying a -0.1% change from the last close of $24.53. For the fiscal year ending January 31, 2027, consensus estimates project revenue of $603.4M and EPS of $2.23, representing an EPS decline of 8.8%. Five analysts covering the following fiscal year estimate revenue of $622.5M and EPS of $2.48. J.Jill has beaten EPS estimates in 3 of the last 4 quarters, with its next earnings report scheduled for December 9, 2026.

This page is an AI-written research summary of J.Jill, Inc. (JILL). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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