J.Jill, Inc.
- Open
- 15.90
- Day high
- 16.05
- Day low
- 15.44
- Prev close
- 16.00
- Volume
- 3K
- Mkt cap
- $236M
- P/E (TTM)
- 11.4
- EPS (TTM)
- $1.39
- P/B
- 1.9
- P/S
- 0.4
- Yield
- 2.15%
- Per share
- $0.34
J.Jill, Inc. (JILL) is a Consumer Cyclical company listed on NYSE. The stock is up 4% over the past year.
J.Jill, Inc. (JILL) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 3 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
JILL earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jun 10, 2026 | $0.44 | $0.45 | +2.3% | $144M | +0.1% |
| Mar 31, 2026 | $-0.12 | $-0.02 | +83.3% | $138M | +2.1% |
| Dec 10, 2025 | $0.58 | $0.76 | +31.0% | $151M | +11.0% |
| Sep 3, 2025 | $0.72 | $0.81 | +12.5% | $154M | +3.8% |
| Jun 11, 2025 | $0.88 | $0.88 | +0.0% | $154M | -2.0% |
| Mar 19, 2025 | $0.22 | $0.32 | +45.5% | $143M | -11.7% |
| Dec 11, 2024 | $0.80 | $0.89 | +11.2% | $151M | +6.2% |
| Sep 4, 2024 | $0.94 | $1.05 | +11.7% | $155M | -0.0% |
| Jun 7, 2024 | $1.09 | $1.22 | +11.9% | $162M | +0.9% |
| Mar 20, 2024 | $0.01 | $0.23 | +4500.0% | $149M | +1.4% |
| Dec 5, 2023 | $0.61 | $0.78 | +27.9% | $150M | +3.0% |
| Aug 31, 2023 | $0.80 | $1.10 | +37.5% | $156M | +2.1% |
JILL insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 10, 2026 | Webb Mark W.officer: EVP, CFO & COO | Grant | 197 | — |
| Jul 10, 2026 | Coyne Mary Ellendirector, officer: CEO & President | Grant | 208 | — |
| Jul 10, 2026 | MARTINEZ MARIA D.officer: See Remarks | Grant | 60 | — |
| Jul 10, 2026 | Staples Elliotofficer: See Remarks | Grant | 69 | — |
| Jul 10, 2026 | O'Connor Courtneyofficer: See Remarks | Grant | 30 | — |
| Jul 1, 2026 | Webb Mark W.officer: EVP, CFO & COO | Tax | 3,494 | $15.97 |
| Jul 1, 2026 | MARTINEZ MARIA D.officer: See Remarks | Tax | 815 | $15.97 |
| May 5, 2026 | Coyne Mary Ellendirector, officer: CEO & President | Tax | 26,764 | $12.74 |
| Apr 30, 2026 | Coyne Mary Ellendirector, officer: CEO & President | Grant | 248 | — |
| Apr 30, 2026 | Staples Elliotofficer: See Remarks | Grant | 82 | — |
| Apr 30, 2026 | MARTINEZ MARIA D.officer: See Remarks | Grant | 71 | — |
| Apr 30, 2026 | O'Connor Courtneyofficer: See Remarks | Grant | 36 | — |
| Apr 30, 2026 | Guido Jamesofficer: VP, Chief Accounting Officer | Grant | 34 | — |
| Apr 30, 2026 | Webb Mark W.officer: EVP, CFO & COO | Grant | 236 | — |
| Apr 15, 2026 | Guido Jamesofficer: VP, Chief Accounting Officer | Tax | 266 | $11.82 |
Source: JILL SEC Form 4 filings, latest Jul 10, 2026. For informational purposes only — not investment advice.
See the full JILL insider & 13F page →J.Jill, Inc. company profile
Overview
J.Jill, Inc. (NASDAQ:JILL) is a women's apparel retailer that has been serving customers since 1959. The company went public in March 2017 and is headquartered in Quincy, Massachusetts. J.Jill operates as an omnichannel retailer, selling women's clothing through both physical stores and digital channels including its website and catalogs. The company has undergone significant operational improvements in recent years, focusing on disciplined inventory management, technology upgrades, and strategic store expansion while maintaining its core brand identity of offering comfortable, versatile clothing for women primarily aged 45-65.
Business
J.Jill operates in the women's specialty apparel retail industry, which sits within the broader consumer discretionary sector. The company focuses exclusively on designing, sourcing, and selling women's clothing and accessories under the J.Jill brand. The company's core product offerings include knit and woven tops, bottoms, dresses, sweaters, and outerwear, along with complementary accessories such as footwear, scarves, jewelry, and hosiery. J.Jill has developed a sub-brand called Wearever, which focuses on comfortable, versatile basics that can be mixed and matched. The company has also emphasized inclusive sizing through its "Welcome Everybody" campaign, offering extended size ranges to serve a broader customer base. J.Jill operates through two primary sales channels that each contribute roughly half of total revenue. The retail store channel consists of approximately 253 physical locations across the United States as of 2024, where customers can browse merchandise, receive styling advice, and experience the brand's high-touch customer service approach. The direct-to-consumer channel includes online sales through the company's website and traditional catalog sales, representing approximately 50% of total sales. This omnichannel approach allows customers to shop seamlessly across different touchpoints, with initiatives like ship-from-store capabilities enhancing the integrated experience. The women's specialty apparel retail industry is characterized by seasonal merchandise cycles, with companies typically introducing new collections for spring, summer, fall, and holiday seasons. Success in this industry depends on accurately predicting fashion trends, managing inventory levels, maintaining brand relevance, and providing compelling customer experiences across multiple channels.
Revenue model
J.Jill generates revenue primarily through direct product sales to consumers across its omnichannel platform. The company purchases inventory from third-party manufacturers and suppliers, then sells these products at marked-up prices through its retail stores and direct channels. With annual revenue of approximately $611 million in fiscal 2024, the company maintains gross margins around 70%, indicating strong pricing power and brand positioning. The company's customer base consists primarily of women aged 45-65 who value comfortable, versatile, and high-quality clothing. These customers tend to be brand-loyal and less price-sensitive than typical retail customers, allowing J.Jill to maintain premium pricing and focus on full-price selling rather than heavy promotional strategies. The company has been working to expand its customer base to include younger demographics within the 45-65 range through targeted marketing campaigns and social media initiatives. Several factors influence J.Jill's profitability and margins. Positive margin drivers include the company's disciplined inventory management approach, which minimizes markdowns and excess inventory; strong brand loyalty that supports premium pricing; the growing direct-to-consumer channel which typically carries higher margins than wholesale; and operational efficiencies from technology investments like the new Point of Sale and Order Management Systems. Margin pressures come from macroeconomic factors affecting consumer discretionary spending, particularly during economic uncertainty when customers become more price-sensitive; increased competition in the women's apparel space from both traditional retailers and online brands; supply chain cost inflation affecting product costs; and the significant investments required for technology upgrades and store expansion. The company's focus on the 45-65 demographic, while providing stability, also limits growth potential compared to brands targeting broader age ranges. Additionally, the seasonal nature of apparel retail creates working capital challenges and inventory risk if fashion trends or weather patterns don't align with expectations.
Competitive moat
J.Jill's competitive moat is moderate but not particularly strong, relying primarily on brand loyalty and customer relationships rather than structural advantages. The company's strongest defensive position comes from its loyal customer base of women aged 45-65 who value the brand's focus on comfortable, versatile, and size-inclusive clothing. This demographic tends to be less price-sensitive and more brand-loyal than younger consumers, providing some insulation from competitive pressures. The company has built specialized expertise in serving this specific customer segment, understanding their preferences for comfortable fits, quality fabrics, and timeless styles rather than fast fashion trends. J.Jill's emphasis on inclusive sizing and the "Welcome Everybody" campaign has created some differentiation in a market where many competitors focus on smaller size ranges. However, the company's moat faces significant challenges. The women's apparel retail industry is highly competitive with low barriers to entry, allowing new brands to emerge regularly through e-commerce platforms. J.Jill competes with established department stores, specialty retailers like Chico's and Talbots that target similar demographics, and increasingly with direct-to-consumer brands that can offer competitive pricing without physical store overhead. The company's omnichannel capabilities provide some operational advantages, but these are increasingly table stakes in retail rather than true differentiators. While J.Jill's store locations provide touchpoints for customer service and brand experience, physical retail faces ongoing pressure from e-commerce alternatives. Potential disruption could come from direct-to-consumer brands that leverage social media marketing to reach J.Jill's target demographic more cost-effectively, subscription-based clothing services that offer convenience and personalization, or established retailers expanding into J.Jill's market segment. The company's focus on a narrow demographic, while providing stability, also limits its ability to capture growth from broader market trends and makes it vulnerable to shifts in that specific customer base's preferences or spending patterns.
Risks & safety
J.Jill presents a moderate margin of safety with manageable financial risk but some leverage concerns. Liquidity and Solvency: - Cash position of $35.4 million with current ratio of 0.96, indicating tight but manageable liquidity - Debt-to-equity ratio of 1.97 shows significant leverage but has improved from previous years - Positive free cash flow of $50.8 million for fiscal 2024 demonstrates cash generation capability - Operating cash flow of $65 million provides cushion for operations and debt service Valuation Metrics: - Price-to-earnings ratio of 10.3x appears reasonable for a mature retailer - EV/EBITDA of 7.7x is moderate but reflects the company's leverage - Price-to-book ratio of 3.86x is elevated, reflecting limited tangible asset base - Graham number suggests potential undervaluation relative to fundamentals Other Considerations: - Seasonal business model creates working capital fluctuations - Capital expenditure requirements for store expansion and technology upgrades - Dependence on consumer discretionary spending makes earnings vulnerable to economic cycles - Initiated dividend and share buyback program indicates management confidence but reduces financial flexibility
Recent development
Over the past few years, J.Jill has executed several strategic initiatives focused on operational modernization and controlled growth. The company completed a comprehensive technology upgrade, implementing a new Point of Sale (POS) system across all stores and launching an Order Management System (OMS) to improve inventory optimization and enable ship-from-store capabilities. These systems investments are expected to drive operational efficiencies and enhance the omnichannel customer experience. The company has pursued disciplined store expansion, opening 8 net new stores in fiscal 2024 and targeting 20-25 new locations by 2026, with a longer-term goal of up to 50 net new stores by 2029. This expansion focuses on markets where J.Jill previously operated successfully, suggesting a data-driven approach to site selection. Marketing and brand positioning initiatives have included the launch of the "One Wardrobe. No Limits." campaign and the "Welcome Everybody" inclusive sizing initiative. The company has invested in social media marketing, influencer partnerships through the J.Jill Social Circle, and targeted campaigns to attract younger customers within the 45-65 demographic range. From a capital allocation perspective, J.Jill has significantly reduced its debt burden, paying down approximately $145 million in debt over the past two years. The company initiated its first quarterly dividend program and established a share buyback program, returning capital to shareholders while maintaining investment in growth initiatives. A significant leadership transition is underway, with longtime CEO Claire Spofford retiring and Mary Ellen Coyne taking over as CEO in May 2025. This transition represents a key inflection point for the company's strategic direction and execution capabilities.
JILL company profile · for informational purposes only — not investment advice.
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