J.Jill, Inc.
$13.07
+0.85%J.Jill, Inc. operates as an omnichannel retailer for women's apparel under the J.Jill brand in the United States. The company offers knit and woven tops, bottoms, and dresses, as well as sweaters and outerwear; footwear; and accessories, including scarves, jewelry, and hosiery. The company markets its products through retail stores, website, and catalogs. As of March 22, 2022, it operated 253 stores. The company was founded in 1959 and is headquartered in Quincy, Massachusetts.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 7.1).
Valuation inputs: P/E 7.1, earnings yield +14.1%, momentum +0.8%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is strong (ROE +23.0%, ROIC +10.1%).
Profitability stack: net margin +4.7%, ROE +23.0%, ROIC +10.1%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceRisk profile is balanced but has notable pressure points to monitor.
Risk factors: liabilities/assets +73.0%, momentum +0.8%, net margin +4.7%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
J.Jill, Inc. Market vs Earnings Trajectory
Performance Analysis
EPS Growth
Declining earnings warrant investigation into business challenges and competitive position.
Price-EPS Relationship
Both price and earnings are declining together, reflecting deteriorating business fundamentals.
Stock Price Change
Over the 1Y period, stock price has decreased by 16.1%.
P/E Ratio (TTM)
Relatively low P/E may indicate undervaluation or lower growth expectations.
J.Jill, Inc. Fair Value Envelope
J.Jill, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
J.Jill, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
CapEx Intensity
Capital-intensive operations require significant reinvestment. Monitor whether CapEx is maintenance or growth-oriented.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Deteriorating cash generation: Both declining FCF and weak conversion rate signal fundamental challenges. Investigate margin pressure, rising costs, or working capital issues.
J.Jill, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Acceptable liquidity, but monitor closely. Current assets just barely cover current liabilities.
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Positive working capital, but relatively tight. The company should monitor cash flow carefully.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
J.Jill, Inc. Street Expectations Map
Wall Street analysts project that JILL stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 18.33, with estimates ranging from a low of 16.00 to a high of 21.00.
The consensus 1-year price target stands at 18.33, with estimates ranging from a low of 16.00 to a high of 21.00.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
Good consensus alignment. Moderate target spread reflects general agreement on value drivers with some variance in assumptions.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.
J.Jill, Inc. Insider Positioning
During the last 12 months, insiders have purchased $257K and sold $57K worth of JILL shares, resulting in $200K of net buying activity.
3 Months
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3-6 Months
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6-9 Months
0
0.00
454
8.33K
-8K
-$8K
9-12 Months
16.2K
256.98K
3.4K
49.12K
+208K
+$208K
Top Buyers
O'Connor Courtney
Officer: See Remarks
$257K
Top Sellers
Webb Mark W.
Officer: Evp, Cfo & Coo
$29K
Staples Elliot
Officer: See Remarks
$12K
Liebsch Shelley
Officer: See Remarks
$10K
Guido James
Officer: Vp, Chief Accounting Officer
$7K
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $200K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Exceptional buy/sell ratio. Buying dramatically outweighs selling—one of the strongest possible insider signals.
Insider Participation
4 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
jill Dividend History
Learning Layer
Related Guides
Build conviction on JILL by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.