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J Jill Financials

JILL
Source SEC Filings (10-K/10-Q) Updated Nov 1, 2025 Currency USD FYE February

This page shows J Jill (JILL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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).

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 46 / 100
Financial Profile 46/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability
50

J Jill has an operating margin of 12.4%, meaning the company retains $12 of operating profit per $100 of revenue. This results in a moderate score of 50/100, indicating healthy but not exceptional operating efficiency. This is down from 14.1% the prior year.

Growth
34

J Jill's revenue grew a modest 0.5% year-over-year to $610.9M. This slow but positive growth earns a score of 34/100.

Leverage
44

J Jill has a moderate D/E ratio of 2.87. This balance of debt and equity financing earns a leverage score of 44/100.

Liquidity
15

J Jill's current ratio of 0.99 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 15/100, which could limit financial flexibility.

Cash Flow
46

J Jill has a free cash flow margin of 8.3%, earning a moderate score of 46/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns
89

J Jill earns a strong 35.3% return on equity (ROE), meaning it generates $35 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 89/100. This is down from 68.2% the prior year.

Altman Z-Score Grey Zone
1.89

J Jill scores 1.89, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Neutral
6/9

J Jill passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed
1.65x

For every $1 of reported earnings, J Jill generates $1.65 in operating cash flow ($65.0M OCF vs $39.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate
4.8x

J Jill earns $4.8 in operating income for every $1 of interest expense ($75.7M vs $15.7M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue
$610.9M
YoY+0.5%
5Y CAGR-2.4%

J Jill generated $610.9M in revenue in fiscal year 2025. This represents an increase of 0.5% from the prior year.

EBITDA
$97.0M
YoY-11.0%

J Jill's EBITDA was $97.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 11.0% from the prior year.

Net Income
$39.5M
YoY+9.1%

J Jill reported $39.5M in net income in fiscal year 2025. This represents an increase of 9.1% from the prior year.

EPS (Diluted)
$2.61
YoY+4.0%

J Jill earned $2.61 per diluted share (EPS) in fiscal year 2025. This represents an increase of 4.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow
$50.8M
YoY-3.5%
5Y CAGR+28.6%

J Jill generated $50.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 3.5% from the prior year.

Cash & Debt
$31.2M
YoY-59.5%
5Y CAGR-10.6%

J Jill held $31.2M in cash against $71.4M in long-term debt as of fiscal year 2025.

Dividends Per Share
$0.21

J Jill paid $0.21 per share in dividends in fiscal year 2025.

Shares Outstanding
15M
YoY+42.9%

J Jill had 15M shares outstanding in fiscal year 2025. This represents an increase of 42.9% from the prior year.

Margins & Returns

Gross Margin
70.4%
YoY-0.5pp
5Y CAGR+8.4pp

J Jill's gross margin was 70.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.5 percentage points from the prior year.

Operating Margin
12.4%
YoY-1.8pp
5Y CAGR+28.6pp

J Jill's operating margin was 12.4% in fiscal year 2025, reflecting core business profitability. This is down 1.8 percentage points from the prior year.

Net Margin
6.5%
YoY+0.5pp
5Y CAGR+25.1pp

J Jill's net profit margin was 6.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.5 percentage points from the prior year.

Return on Equity
35.3%
YoY-32.9pp

J Jill's ROE was 35.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 32.9 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
$523K

J Jill spent $523K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures
$14.3M
YoY+33.5%
5Y CAGR-4.8%

J Jill invested $14.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 33.5% from the prior year.

JILL Income Statement

Metric Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24
Revenue $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+16.2% $139.0M
Cost of Revenue $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-6.7% $46.9M
Gross Profit $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+27.9% $92.1M
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses $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+5.2% $84.7M
Operating Income $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+277.9% $7.5M
Interest Expense $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+5.0% $6.1M
Income Tax $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+240.1% -$4.4M
Net Income $9.2M-12.5% $10.5M-10.1% $11.7M+61.2% $7.3M-41.3% $12.3M+50.8% $8.2M-50.9% $16.7M+327.7% -$7.3M
EPS (Diluted) $0.60-13.0% $0.69-9.2% $0.76 N/A $0.80+48.1% $0.54-53.4% $1.16 N/A

JILL Balance Sheet

Metric Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24
Total Assets $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+3.7% $428.2M
Current Assets $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+15.0% $138.1M
Cash & Equivalents $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+24.0% $62.2M
Inventory $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-0.2% $53.3M
Accounts Receivable $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+116.5% $5.0M
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 $328.9M+4.4% $315.0M-1.8% $320.9M+2.9% $311.9M-1.0% $315.0M+4.8% $300.4M-23.1% $390.8M0.0% $391.0M
Current Liabilities $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+2.3% $155.0M
Long-Term Debt N/A N/A N/A N/A $69.1M+0.4% $68.8M-42.2% $119.1M-1.3% $120.6M
Total Equity $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+42.7% $37.2M
Retained Earnings -$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+9.5% -$176.1M

JILL Cash Flow Statement

Metric Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24
Operating Cash Flow $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+224.2% $6.6M
Capital Expenditures $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-64.4% $4.9M
Free Cash Flow $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+1020.6% $1.8M
Investing Cash Flow -$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+62.6% -$6.2M
Financing Cash Flow -$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-76.8% -$2.4M
Dividends Paid $1.2M-0.3% $1.2M-0.4% $1.2M+14.2% $1.1M-0.1% $1.1M N/A N/A N/A
Share Buybacks $2.0M+99.6% $1.0M-71.6% $3.5M N/A N/A N/A N/A N/A

JILL Financial Ratios

Metric Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24
Gross Margin 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%+6.7pp 66.2%
Operating Margin 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%+12.2pp 5.4%
Net Margin 6.1%-0.7pp 6.8%-0.8pp 7.6%+2.8pp 4.8%-3.4pp 8.2%+2.9pp 5.3%-5.1pp 10.3%+15.6pp -5.3%
Return on Equity 7.1%-1.5pp 8.6%-1.8pp 10.4%+3.6pp 6.9%-5.1pp 12.0%+2.9pp 9.1%-22.4pp 31.4%+51.1pp -19.7%
Return on Assets 2.0%-0.4pp 2.4%-0.3pp 2.7%+1.0pp 1.7%-1.2pp 2.9%+0.8pp 2.1%-1.7pp 3.8%+5.5pp -1.7%
Current Ratio 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+0.1 0.89
Debt-to-Equity 2.55-0.0 2.59-0.3 2.87-0.1 2.95+2.3 0.67-0.1 0.76-1.5 2.24-1.0 3.24
FCF Margin 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%+11.0pp 1.3%

Note: The current ratio is below 1.0 (0.99), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

J Jill (JILL) reported $610.9M in total revenue for fiscal year 2025. This represents a 0.5% 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.

J Jill (JILL) revenue grew by 0.5% year-over-year, from $608.0M to $610.9M in fiscal year 2025.

Yes, J Jill (JILL) reported a net income of $39.5M in fiscal year 2025, with a net profit margin of 6.5%.

J Jill (JILL) reported diluted earnings per share of $2.61 for fiscal year 2025. This represents a 4.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

J Jill (JILL) had EBITDA of $97.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

As of fiscal year 2025, J Jill (JILL) had $31.2M in cash and equivalents against $71.4M in long-term debt.

J Jill (JILL) had a gross margin of 70.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

J Jill (JILL) had an operating margin of 12.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

J Jill (JILL) had a net profit margin of 6.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, J Jill (JILL) paid $0.21 per share in dividends during fiscal year 2025.

J Jill (JILL) has a return on equity of 35.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

J Jill (JILL) generated $50.8M in free cash flow during fiscal year 2025. This represents a -3.5% 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.

J Jill (JILL) generated $65.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

J Jill (JILL) had $432.9M in total assets as of fiscal year 2025, including both current and long-term assets.

J Jill (JILL) invested $14.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, J Jill (JILL) spent $523K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

J Jill (JILL) had 15M shares outstanding as of fiscal year 2025.

J Jill (JILL) had a current ratio of 0.99 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

J Jill (JILL) had a debt-to-equity ratio of 2.87 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

J Jill (JILL) had a return on assets of 9.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

J Jill (JILL) has an Altman Z-Score of 1.89, 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.

J Jill (JILL) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

J Jill (JILL) has an earnings quality ratio of 1.65x, 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.

J Jill (JILL) has an interest coverage ratio of 4.8x, 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.

J Jill (JILL) scores 46 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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