J.Jill, Inc. (JILL) Market Cap
J.Jill, Inc. has a market capitalization of $147.4M.
Financials based on reported quarter end 2026-01-31
Price: $13.04
▲ 0.32 (2.52%)
Market Cap: 147.37M
NYSE · time unavailable
CEO: Courtney O'Connor
Sector: Consumer Cyclical
Industry: Apparel - Retail
IPO Date: 2017-03-09
Website: https://www.jjill.com
J.Jill, Inc. (JILL) - Company Information
Market Cap: 147.37M · Sector: Consumer Cyclical
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.
Analyst Sentiment
Based on 13 ratings
Analyst 1Y Forecast: $21.83
Average target (based on 3 sources)
Consensus Price Target
Low
$16
Median
$18
High
$21
Average
$18
Potential Upside: 40.6%
Price & Moving Averages
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Fundamentals Overview
📊 AI Financial Analysis
Powered by StockMarketInfo"JILL reported revenue of $138.4M for the quarter ended Jan. 31, 2026, with net income of -$3.5M and EPS of -$0.23. Net margin was about -2.5%. Free cash flow also came in negative at -$1.6M (operating cash flow -$1.6M) with $0 capex reported, while dividends paid were $0 during the quarter (though $0.08 quarterly dividends were declared/paid in prior periods during 2025). Profitability remains pressured, as both earnings and cash generation are below breakeven. The balance sheet shows total assets of $450.2M versus $328.7M in liabilities, leaving equity of $121.5M. Net debt of $112.4M indicates that the company carries meaningful leverage even as it operates at a cash and earnings deficit. From a shareholder-return perspective, recent market performance has been weak: the stock is down -41.3% over the last 12 months and -33.2% over 6 months, which outweighs the modest dividend history for total return assessment. On valuation context, the provided analyst consensus target ($18.33, vs. price $11.46) implies upside versus street expectations, but the core near-term investment case is constrained by negative earnings and negative free cash flow. Overall, the primary focus is on achieving sustained profitability and restoring cash flow."
Revenue Growth
Revenue level is provided ($138.4M) but no prior-quarter or YoY growth rate is included, limiting assessment of momentum or stability.
Profitability
Net income was -$3.5M and EPS was -$0.23, implying net margin around -2.5%. Profitability is not currently self-sustaining.
Cash Flow Quality
Free cash flow was -$1.6M and operating cash flow was -$1.6M. Dividends paid were $0 during the quarter, and there is no positive FCF cushion indicated.
Leverage & Balance Sheet
Equity of $121.5M supports the balance sheet, but net debt of $112.4M and liabilities of $328.7M suggest ongoing financial leverage amid weak earnings.
Shareholder Returns
Total shareholder return has been unfavorable based on price performance: -41.3% 1-year and -33.2% 6-month declines. Dividends are comparatively small relative to the stock drawdown, and buybacks are not shown.
Analyst Sentiment & Valuation
Analyst consensus target of $18.33 vs. price $11.46 suggests expectations for recovery. However, negative earnings and negative free cash flow increase uncertainty around valuation support.
Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.
J.Jill’s Q4 results confirm a margin squeeze driven by tariffs and aggressive discounting: gross margin fell 320 bps to 63.1% and Adjusted EBITDA dropped to $7.2M. The company attributes softness in Q1 to a tougher macro backdrop hitting direct more than retail, while retail execution shows stronger conversion via trained associates and tactile in-store experiences. Management is actively reshaping the assortment through test-and-learn (capsules, travel capsule, outerwear expansion, and early accessories momentum) and shifting marketing to build top-of-funnel awareness, targeting a broader 45–65 audience and the middle of that range. The investment plan centers on Anaplan predictive AI for merchandise planning/allocation, with meaningful benefits expected in late 2H26 and ramping into 2027. FY2026 guidance keeps a cautious tone: sales down 2% to flat, full-year gross margin down ~50 bps, and Adjusted EBITDA $70M–$75M, with net tariff load ~ $15M vs $7.5M in 2025.
Growth Catalysts
- Q4 test-and-learn: small capsules in identified areas
- Localized merchandising pilots tailored to specific market lifestyle needs
- Summer 2026 assortment (introduced in Q2): improved newness in silhouettes/fabrics plus early accessories expansion (bags, belts)
- Travel capsule success (reported as successful test in Q4)
- Expanded categories in outerwear performed well in Q4
- Accessories expansion moved into Q1 as a success story
- Dress business turnaround driving full-price selling in retail
- New merchandise planning & allocation tool (Anaplan) using predictive AI forecasting to optimize inventory placement and allocation
Business Development
- Anaplan (new merchandise planning and allocation tool implementation)
- OMS platform upgrade (order management system) enabling shipment-from-store markdown support and future technology bolting
Financial Highlights
- Q4 total company sales: $138.4M, down 3.1% YoY
- Q4 total company comp sales: down 4.8%, driven by retail channel
- Store sales: down 9% YoY (soft traffic and conversion), partially offset by stronger average unit retail and average transaction values
- Direct sales as % of total sales: 53.5%; direct sales up 2.6% YoY driven by markdown sales benefiting from ship-from-store
- Q4 gross profit: $87.3M vs $94.8M prior year
- Q4 gross margin: 63.1%, down 320 bps YoY
- Q4 gross margin drivers: ~$4.5M net tariff costs and deeper YoY discounting in a competitive promotional environment; partially offset by favorable freight costs
- Q4 Adjusted EBITDA: $7.2M vs $14.5M in Q4 2024
- Q4 adjusted net income per diluted share: loss of $0.02 vs earnings of $0.32 in Q4 2024
- Interest expense: $2.2M; down ~$0.5M YoY from December term loan refinance
- Full-year FY2025: maintained gross margin 68.7% despite ~$7.5M incremental net tariff costs
- Full-year FY2025 comp sales declined ~3% (tariff policy in April slowed customer shopping behavior)
- FY2025 cash: $41M ending quarter/cash balance stated; FY2025 cash from ops $42.1M and free cash flow $23.2M
- FY2026 guidance: Q1 total company sales down ~5% to 7%; total company comp sales down ~7% to 9%
- FY2026 guidance: Q1 Adjusted EBITDA $15M-$17M with ~$5M tariff pressure
- FY2026 guidance: Q1 gross margin down ~400 bps YoY
- FY2026 guidance: full-year sales down 2% to ~flat; full-year comp sales down ~3% to down 1%
- FY2026 guidance: full-year Adjusted EBITDA $70M-$75M
- FY2026 guidance: full-year gross margin down ~50 bps vs FY2025
- Tariff outlook quantified: average 20% tariffs; Q1 expected ~ $5M added COGS vs 0 tariffs in Q1 2025; assumption changes to 10% tariffs on goods received after Feb 28 through end of Q1 and 15% for rest of year
- FY2026 net tariff load net of vendor offsets: ~$15M vs ~$7.5M in FY2025
Capital Funding
- FY2025 share repurchases: $10.4M (~638,000 shares)
- Q4 repurchase mention: average weighted diluted share count impact from repurchasing 637,700 shares
- Stock repurchase authorization remaining (as of Jan 31, 2026): $14.1M; expires Dec 2026
- Board approved ordinary dividend: $0.09 per share (=$0.01, 12.5% increase) payable April 28; record date April 14
- FY2025 free cash flow: $23.2M
- Refinanced $75M term loan in December: extended term through Dec 2030 and saved ~ $10.4M of share-funded (wording as provided) using cash on hand
Strategy & Ops
- Implementation status: new OMS system completed/upgrade supported modernization and enabled future technology additions
- AI/e-commerce initiative: created Chief Growth Officer role to maximize e-commerce and AI initiatives
- Anaplan project kickoff: new merchandise planning and allocation tool; benefits expected to begin in 2027, with meaningful benefits in late second half of 2026 as system ramps
- Inventory positioning: ended quarter with inventories in a clean position; prudent approach to inventory investments
- FY2025 store activity: opened 7 stores in Q4 with no closures; ended year with 256 stores (net +4); 9 openings offset 5 closures
- FY2026 store guidance: net store count growth by ~5 stores by end of fiscal 2026; about half in reentry markets; reentry stores ramp quickly; new markets ramp 3-5 years
- Capex guidance: ~$25M in FY2026 focused on new stores and the Anaplan system projected to be completed toward end of 2026
- FCF guidance: ~$20M in FY2026
Market Outlook
- Q1 FY2026 (first quarter) guidance: sales down ~5% to 7%; comp sales down ~7% to 9%
- Q1 FY2026 Adjusted EBITDA: $15M-$17M (includes ~$5M tariff pressure)
- Q1 FY2026 gross margin: down ~400 bps vs Q1 2025
- FY2026 guidance: sales down 2% to about flat; comp sales down ~3% to down 1%
- FY2026 Adjusted EBITDA: $70M-$75M
- FY2026 gross margin: down ~50 bps
- Tariff assumptions explicitly stated: 10% on goods received after Feb 28 through end of Q1; 15% on goods received for rest of year; guidance assumes no receipt of refunds of tariffs paid to date
Risks & Headwinds
- Competitive promotional environment and markdown-driven direct channel demand
- Customer migration toward promotional end of spectrum (taking value/discount rather than buying full price)
- Macro backdrop impacting consumer spending sensitivity (especially in direct channel)
- Tariff policy and tariff-related cost pressure; guidance notes additional U.S. trade policy changes could alter tariff assumptions
- No refunds assumed for tariffs paid to date
- Need for time for new customers to respond to evolving product assortments; path expected non-linear
- Freight/ocean container rate volatility and carrier surcharges (e.g., USPS pass-through fuel charges reflected in SG&A going forward)
Sentiment: CAUTIOUS
Note: This summary was synthesized by AI from the JILL Q4 2026 (FY2025 results discussed; call dated 2026-03-31) earnings transcript. Financial data is complex; please verify all metrics against official SEC filings before making investment decisions.