J Jill Financials
This page shows J Jill (JILL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Store cash flow funded deleveraging, but a below-gross-profit cost squeeze increasingly weakened what each sales dollar produced.
Debt reduction was the clearest use of cash: borrowings fell from$152M to$71M , showing internally generated cash went first to balance-sheet repair rather than expansion. That happened even as gross margin stayed near69% but free cash flow margin compressed to4.2% , which points to pressure below gross profit line and heavier cash needs rather than a breakdown in product economics.
Sales stayed anchored around
Inventory rose to
Financial Health Signals
Scored against operating companies for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of J Jill's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
J Jill has an operating margin of 8.5%, meaning the company retains $8 of operating profit per $100 of revenue. This strong profitability earns a score of 74/100, reflecting efficient cost management and pricing power. This is down from 12.4% the prior year.
J Jill's revenue declined 2.3% year-over-year, from $610.9M to $596.5M. This contraction results in a growth score of 29/100.
J Jill has a moderate D/E ratio of 0.57. This balance of debt and equity financing earns a leverage score of 60/100.
J Jill's current ratio of 1.14 is below the typical benchmark, resulting in a score of 25/100. This tight liquidity could limit financial flexibility if cash inflows slow.
J Jill has a free cash flow margin of 4.2%, earning a moderate score of 54/100. The company generates positive cash flow after capital investments, but with room for improvement.
J Jill earns a strong 0.0% return on equity (ROE), meaning it generates $0 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 86/100. This is up from 0.0% the prior year.
J Jill scores 1.93, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
J Jill passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, J Jill generates $1510.54 in operating cash flow ($42.1M OCF vs $28K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
J Jill earns $4.9 in operating income for every $1 of interest expense ($50.6M vs $10.4M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
J Jill generated $596.5M in revenue in fiscal year 2026. This represents a decrease of 2.3% from the prior year.
J Jill's EBITDA was $71.8M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 26.0% from the prior year.
J Jill reported $28K in net income in fiscal year 2026. This represents a decrease of 29.3% from the prior year.
J Jill earned $1.82 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 30.3% from the prior year.
Cash & Balance Sheet
J Jill generated $25.2M in free cash flow in fiscal year 2026, representing cash available after capex. This represents a decrease of 50.4% from the prior year.
J Jill held $36.3M in cash against $71.3M in long-term debt as of fiscal year 2026.
J Jill paid $0.32 per share in dividends in fiscal year 2026. This represents an increase of 52.4% from the prior year.
J Jill had 15M shares outstanding in fiscal year 2026. This represents a decrease of 2.4% from the prior year.
Margins & Returns
J Jill's gross margin was 68.7% in fiscal year 2026, indicating the percentage of revenue retained after direct costs. This is down 1.7 percentage points from the prior year.
J Jill's operating margin was 8.5% in fiscal year 2026, reflecting core business profitability. This is down 3.9 percentage points from the prior year.
J Jill's net profit margin was 0.0% in fiscal year 2026, showing the share of revenue converted to profit. This is down 0.0 percentage points from the prior year.
J Jill's ROE was 0.0% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 0.0 percentage points from the prior year.
Capital Allocation
J Jill spent $10.4M on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1881.8% from the prior year.
J Jill invested $16.9M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 18.7% from the prior year.
JILL Income Statement
| Metric | Q2'27 | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $144.4M-4.1% | $150.5M-2.2% | $154.0M+0.2% | $153.6M+1.9% | $150.7M-0.3% | $151.3M-2.6% | $155.2M-3.9% | $161.5M |
| Cost of Revenue | $45.7M+4.4% | $43.8M-9.9% | $48.6M+12.4% | $43.3M-11.0% | $48.6M+12.3% | $43.3M-5.6% | $45.8M+4.7% | $43.8M |
| Gross Profit | $98.7M-7.5% | $106.7M+1.3% | $105.4M-4.5% | $110.4M+8.1% | $102.1M-5.4% | $108.0M-1.3% | $109.4M-7.1% | $117.7M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $89.7M-2.3% | $91.8M+3.6% | $88.6M-2.8% | $91.1M+4.3% | $87.3M-1.5% | $88.6M+2.7% | $86.3M-3.1% | $89.1M |
| Operating Income | $8.8M-41.3% | $14.9M-11.1% | $16.8M-12.0% | $19.1M+32.5% | $14.4M-25.2% | $19.2M-16.5% | $23.0M-18.9% | $28.4M |
| Interest Expense | $1.9M-30.7% | $2.7M-1.2% | $2.7M-2.0% | $2.8M-56.0% | $6.3M+122.5% | $2.8M-23.5% | $3.7M-42.1% | $6.4M |
| Income Tax | $2.5M-28.8% | $3.6M-11.2% | $4.0M-18.8% | $5.0M+157.5% | $1.9M-57.3% | $4.5M+47.1% | $3.1M-50.6% | $6.2M |
| Net Income | $4.7M-49.1% | $9.2M-12.5% | $10.5M-10.1% | $11.7M+136.3% | -$32.2M-360.7% | $12.3M+50.8% | $8.2M-50.9% | $16.7M |
| EPS (Diluted) | $0.31-48.3% | $0.60-13.0% | $0.69-9.2% | $0.76 | N/A | $0.80+48.1% | $0.54-53.4% | $1.16 |
JILL Balance Sheet
| Metric | Q2'27 | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $437.5M-4.5% | $458.0M+4.9% | $436.5M+0.8% | $432.9M+3.6% | $417.7M-0.1% | $418.3M+7.0% | $390.8M-12.0% | $443.9M |
| Current Assets | $134.4M-10.6% | $150.3M+15.3% | $130.4M+6.6% | $122.3M+0.2% | $122.0M-3.0% | $125.8M+19.0% | $105.7M-33.5% | $158.9M |
| Cash & Equivalents | $36.3M-37.4% | $58.0M+27.4% | $45.5M+45.7% | $31.2M-11.8% | $35.4M-8.6% | $38.8M+36.2% | $28.5M-63.1% | $77.1M |
| Inventory | $63.9M-4.5% | $66.9M+21.1% | $55.3M-8.7% | $60.6M-1.2% | $61.3M-0.7% | $61.7M+17.1% | $52.7M-0.8% | $53.1M |
| Accounts Receivable | $8.5M+75.1% | $4.9M-25.0% | $6.5M-30.9% | $9.4M+86.8% | $5.0M-23.2% | $6.5M+28.9% | $5.1M-53.6% | $10.9M |
| Goodwill | $59.7M0.0% | $59.7M0.0% | $59.7M0.0% | $59.7M0.0% | $59.7M0.0% | $59.7M0.0% | $59.7M0.0% | $59.7M |
| Total Liabilities | $313.2M-4.8% | $328.9M+4.4% | $315.0M-1.8% | $320.9M+2.9% | $311.9M-1.0% | $315.0M+4.8% | $300.4M-23.1% | $390.8M |
| Current Liabilities | $118.4M-9.4% | $130.7M+11.6% | $117.2M-5.6% | $124.1M-2.4% | $127.1M-2.2% | $129.9M+8.8% | $119.4M-24.7% | $158.6M |
| Long-Term Debt | $71.3M | N/A | N/A | N/A | N/A | $69.1M+0.4% | $68.8M-42.2% | $119.1M |
| Total Equity | $124.3M-3.7% | $129.0M+6.2% | $121.5M+8.5% | $112.0M+5.9% | $105.8M+2.4% | $103.3M+14.3% | $90.4M+70.1% | $53.1M |
| Retained Earnings | -$104.1M+1.1% | -$105.2M+8.0% | -$114.4M+8.4% | -$125.0M+8.6% | -$136.6M+1.6% | -$138.9M+8.2% | -$151.2M+5.1% | -$159.4M |
JILL Cash Flow Statement
| Metric | Q2'27 | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.7M-91.1% | $19.1M-1.6% | $19.4M+262.9% | $5.3M-34.0% | $8.1M-57.6% | $19.1M+16.4% | $16.4M-23.8% | $21.5M |
| Capital Expenditures | $2.6M-15.0% | $3.0M+33.9% | $2.3M+0.8% | $2.2M-66.7% | $6.7M+51.8% | $4.4M+214.1% | $1.4M-18.8% | $1.7M |
| Free Cash Flow | -$881K-105.5% | $16.0M-6.3% | $17.1M+452.0% | $3.1M+124.6% | $1.4M-90.6% | $14.6M-2.2% | $15.0M-24.2% | $19.8M |
| Investing Cash Flow | -$2.8M+16.2% | -$3.3M-21.1% | -$2.8M-1.0% | -$2.7M+64.7% | -$7.7M-40.5% | -$5.5M-144.1% | -$2.2M+2.8% | -$2.3M |
| Financing Cash Flow | -$3.6M-11.7% | -$3.2M-38.7% | -$2.3M+65.7% | -$6.8M-82.7% | -$3.7M-13.3% | -$3.3M+94.8% | -$62.8M-1380.1% | -$4.2M |
| Dividends Paid | $1.3M+10.4% | $1.2M-0.3% | $1.2M-0.4% | $1.2M+14.2% | $1.1M-0.1% | $1.1M | N/A | N/A |
| Share Buybacks | $794K-60.3% | $2.0M+99.6% | $1.0M-71.6% | $3.5M | N/A | N/A | N/A | N/A |
JILL Financial Ratios
| Metric | Q2'27 | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.3%-2.6pp | 70.9%+2.5pp | 68.4%-3.4pp | 71.8%+4.1pp | 67.8%-3.6pp | 71.4%+0.9pp | 70.5%-2.4pp | 72.9% |
| Operating Margin | 6.1%-3.8pp | 9.9%-1.0pp | 10.9%-1.5pp | 12.4%+2.9pp | 9.6%-3.2pp | 12.7%-2.1pp | 14.8%-2.7pp | 17.6% |
| Net Margin | 3.3%-2.9pp | 6.1%-0.7pp | 6.8%-0.8pp | 7.6%+29.0pp | -21.4%-29.5pp | 8.2%+2.9pp | 5.3%-5.1pp | 10.3% |
| Return on Equity | 3.8%-3.4pp | 7.1%-1.5pp | 8.6%-1.8pp | 10.4%+40.9pp | -30.4%-42.4pp | 12.0%+2.9pp | 9.1%-22.4pp | 31.4% |
| Return on Assets | 1.1%-0.9pp | 2.0%-0.4pp | 2.4%-0.3pp | 2.7%+10.4pp | -7.7%-10.7pp | 2.9%+0.8pp | 2.1%-1.7pp | 3.8% |
| Current Ratio | 1.14-0.0 | 1.15+0.0 | 1.11+0.1 | 0.99+0.0 | 0.960.0 | 0.97+0.1 | 0.89-0.1 | 1.00 |
| Debt-to-Equity | 0.57-2.0 | 2.55-0.0 | 2.59-0.3 | 2.87-0.1 | 2.95+2.3 | 0.67-0.1 | 0.76-1.5 | 2.24 |
| FCF Margin | -0.6%-11.3pp | 10.7%-0.5pp | 11.1%+9.1pp | 2.0%+1.1pp | 0.9%-8.8pp | 9.7%+0.0pp | 9.7%-2.6pp | 12.2% |
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Frequently Asked Questions
What is J Jill's annual revenue?
J Jill (JILL) reported $596.5M in total revenue for fiscal year 2026. This represents a -2.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is J Jill's revenue growing?
J Jill (JILL) revenue declined by 2.3% year-over-year, from $610.9M to $596.5M in fiscal year 2026.
Is J Jill profitable?
Yes, J Jill (JILL) reported a net income of $28K in fiscal year 2026, with a net profit margin of 0.0%.
What is J Jill's EBITDA?
J Jill (JILL) had EBITDA of $71.8M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does J Jill have?
As of fiscal year 2026, J Jill (JILL) had $36.3M in cash and equivalents against $71.3M in long-term debt.
What is J Jill's gross margin?
J Jill (JILL) had a gross margin of 68.7% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.
What is J Jill's operating margin?
J Jill (JILL) had an operating margin of 8.5% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.
What is J Jill's net profit margin?
J Jill (JILL) had a net profit margin of 0.0% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.
Does J Jill pay dividends?
Yes, J Jill (JILL) paid $0.32 per share in dividends during fiscal year 2026.
What is J Jill's return on equity (ROE)?
J Jill (JILL) has a return on equity of 0.0% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is J Jill's free cash flow?
J Jill (JILL) generated $25.2M in free cash flow during fiscal year 2026. This represents a -50.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is J Jill's operating cash flow?
J Jill (JILL) generated $42.1M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are J Jill's total assets?
J Jill (JILL) had $437.5M in total assets as of fiscal year 2026, including both current and long-term assets.
What are J Jill's capital expenditures?
J Jill (JILL) invested $16.9M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is J Jill's current ratio?
J Jill (JILL) had a current ratio of 1.14 as of fiscal year 2026, which is considered adequate.
What is J Jill's debt-to-equity ratio?
J Jill (JILL) had a debt-to-equity ratio of 0.57 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is J Jill's return on assets (ROA)?
J Jill (JILL) had a return on assets of 0.0% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
What is J Jill's Altman Z-Score?
J Jill (JILL) has an Altman Z-Score of 1.93, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is J Jill's Piotroski F-Score?
J Jill (JILL) has a Piotroski F-Score of 5 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are J Jill's earnings high quality?
J Jill (JILL) has an earnings quality ratio of 1510.54x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can J Jill cover its interest payments?
J Jill (JILL) has an interest coverage ratio of 4.9x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is J Jill?
J Jill (JILL) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.