| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | 2 | 2 |
| total | individual payouts | |
|---|---|---|
| 2028 | ‡‡‡ |
|
| 2027 | ‡‡‡‡ |
|
| 2026 | 0.32 |
—
—
—
|
| 2025 | 0.21 |
—
—
—
—
|
| 2024 | 0.21 |
—
—
—
|
| 2023 | ‡‡‡ |
|
| 2022 | ‡‡‡ |
|
| 2021 | ‡‡‡ |
|
| 2020 | ‡‡‡ |
|
| 2019 | 0.00 |
—
|
| 2018 | ‡‡‡ |
|
| 2024 | 2025 | 2026 | Q'26 | |
|---|---|---|---|---|
| Cash | 62.17 | 35.43 | 41.02 | 76.90 |
| Receivables | 5.04 | 5.02 | 4.32 | 5.85 |
| Inventory | 53.26 | 61.30 | 70.07 | 52.64 |
| Other | — | — | — | — |
| 138.13 | 122.03 | 141.19 | 155.80 |
| 2024 | 2025 | 2026 | Q'26 | |
|---|---|---|---|---|
| Payables | 41.11 | 51.98 | 57.65 | 42.20 |
| ST’ Debt | 35.35 | — | 1.88 | 1.31 |
| Other | — | — | — | — |
| 154.95 | 127.11 | 130.65 | 120.24 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡ |
| Apr | Jul | Oct | Jan | Year | |
|---|---|---|---|---|---|
| ’26 | 144.43 | 154.83 | — | — |
—
|
| ’26 | 153.62 | 153.99 | 150.53 | 138.41 |
596.55
|
| ’25 | 161.51 | 155.24 | 151.26 | 142.84 |
610.86
|
| ’24 | 150.25 | 156.63 | 150.88 | 150.29 |
608.04
|
| ’23 | 157.07 | 160.34 | 150.20 | 150.91 |
618.53
|
| ’22 | 129.09 | 159.24 | 151.73 | 145.15 |
585.21
|
| ’21 | 90.97 | 92.64 | 117.22 | 125.90 |
426.73
|
| Apr | Jul | Oct | Jan | Year | |
|---|---|---|---|---|---|
| ’26 | 1.69 | 46.27 | — | — |
—
|
| ’26 | 5.34 | 19.36 | 19.05 | (1.60) |
42.14
|
| ’25 | 21.50 | 16.38 | 19.07 | 8.09 |
65.04
|
| ’24 | 7.86 | 27.76 | 21.07 | 6.63 |
63.31
|
| ’23 | 7.17 | 28.29 | 31.26 | 7.71 |
74.43
|
| ’22 | (4.13) | 32.00 | 25.56 | 21.58 |
75.00
|
| ’21 | 2.97 | (20.30) | (3.02) | (14.45) |
(34.81)
|
| Apr | Jul | Oct | Jan | Year | |
|---|---|---|---|---|---|
| ’26 | (1.11) | 44.03 | — | — |
—
|
| ’26 | 2.61 | 16.61 | 15.72 | (11.71) |
23.23
|
| ’25 | 19.19 | 14.13 | 13.58 | 0.38 |
47.28
|
| ’24 | 4.93 | 23.58 | 17.41 | 0.46 |
46.38
|
| ’23 | 6.42 | 26.88 | 28.25 | (2.19) |
59.36
|
| ’22 | (4.61) | 31.15 | 24.40 | 18.59 |
69.53
|
| ’21 | 1.13 | (21.15) | (3.39) | (15.21) |
(38.62)
|
| Apr | Jul | Oct | Jan | Year | |
|---|---|---|---|---|---|
| ’26 | 0.31 | 1.11 | — | — |
—
|
| ’26 | 0.76 | 0.69 | 0.60 | (0.23) |
1.82
|
| ’25 | 1.16 | 0.54 | 0.80 | 0.14 |
2.61
|
| ’24 | 0.32 | 1.06 | 0.80 | 0.33 |
2.51
|
| ’23 | 1.02 | 1.25 | 0.62 | 0.07 |
2.95
|
| ’22 | (1.89) | (1.98) | 0.79 | 0.25 |
(2.26)
|
| ’21 | (7.90) | (2.05) | (2.52) | (3.01) |
(15.44)
|
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | 2029 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 12.47 | 18.85 | 23.06 | 13.32 | 10.41 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | 27.45 | 32.26 | 40.61 | 28.94 | 24.50 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2,896 | 2,984 | 3,091 | 3,249 | 3,140 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.20 | 0.21 | 0.20 | 0.19 | 0.19 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 585.21 | 618.53 | 608.04 | 610.86 | 596.55 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 67.40% | 68.76% | 70.85% | 70.37% | 68.69% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (20.12) | 58.67 | 49.37 | 53.98 | 39.05 | ‡‡‡‡‡ | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (3.44%) | 9.49% | 8.12% | 8.84% | 6.55% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (28.14) | 42.18 | 36.20 | 39.48 | 27.89 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.26 | 25.75 | 22.92 | 21.33 | 21.20 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 47.08 | 44.39 | 42.99 | 40.84 | 39.28 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (2.26) | 3.03 | 2.56 | 2.64 | 1.84 | ‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 6.03 | 5.34 | 4.48 | 4.35 | 2.77 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.44) | (1.08) | (1.20) | (1.19) | (1.25) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.59 | 4.26 | 3.28 | 3.16 | 1.53 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (3.59) | (0.02) | 2.63 | 7.07 | 8.00 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.43 | 13.94 | 14.14 | 14.96 | 15.19 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡ | 0.00 | 9.07 | 9.11 | 10.19 | 8.79 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.32 | 0.62 | 0.54 | 0.67 | 0.41 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | 0.00 | 0.00 | 8.86 | 3.86 | 2.01 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.62 | 0.82 | 0.70 | 0.73 | 0.46 | ‡‡‡‡ | ‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.23 | 8.50 | 9.13 | 9.41 | 11.91 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 75.00 | 74.43 | 63.31 | 65.04 | 42.14 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (5.47) | (15.07) | (16.93) | (17.75) | (18.91) | ‡‡‡‡‡ | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 69.53 | 59.36 | 46.38 | 47.28 | 23.23 | ‡‡‡‡‡ | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (15.50) | 32.91 | (16.82) | (5.08) | 10.54 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 209.81 | 208.66 | 155.95 | 69.42 | 73.31 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 173.85 | 121.61 | 93.78 | 33.99 | 32.30 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (44.65) | (0.22) | 37.22 | 105.77 | 121.50 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (5.93%) | 9.19% | 8.09% | 9.34% | 6.43% | ‡‡‡‡‡ | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 28.41% | 40.54% | 41.06% | 33.85% | 20.57% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 39.76% | (187.97%) | 195.69% | 55.23% | 24.54% | ‡‡‡‡‡ | — | — |
ROE
|
J.Jill, Inc. (JILL), a specialty retailer targeting affluent women over 40, has staged a remarkable post-bankruptcy recovery since emerging from Chapter 11 in 2021, stabilizing revenues at around $608 million in 2024, slashing debt by 25% to $155 million, and delivering $39 million in net income with gross margins soaring to 71%. ROIC has rocketed to 41%, and free cash flow remains solid at $3.16 per share, fueling a stock surge from pandemic lows of $1.55 to highs near $41. Yet, this turnaround masks brewing storm clouds: revenue growth has stalled with just a 2% dip last year and tepid 2% CAGR projected through 2028, amid efficiency erosion as revenue per employee slides 5%.
Share dilution has exploded 54% since 2020, quietly eroding per-share value, while working capital swings and a 6% headcount increase signal operational strains in a tough retail landscape battered by inflation, rising rates, and competition from Amazon and fast-fashion giants. Insider silence—no buys or sells in a year—adds to the skepticism, as consensus analyst targets imply only 7% upside from current levels around $16, with high-end potential at 28% but low-end risks of 2% downside.
This contrarian analysis challenges the complacency, highlighting J.Jill’s enviable margins and deleveraging as strengths but warning of stagnation, recession risks, and e-commerce threats in a Darwinian sector. Is the heroic debt purge and margin magic enough to sustain the rally, or is dilution’s grind setting a trap? Dive into the full breakdown for the risks, valuations, and trade call.
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