Jill.K

J. Jill maintains a leveraged capital structure with total liabilities of $328.7 million against total equity of $121.5 million, resulting in a debt-to-equity ratio of 0.59. The company holds $41.0 million in cash and equivalents, which is insufficient to cover its $71.4 million in long-term debt, leading to a negative net cash position flagged in the risk assessment. Liquidity is assessed as medium, supported by a current ratio that is not explicitly provided but implied by the balance sheet composition. The market capitalization stands at $272.3 million, trading at a price-to-book ratio of 2.24 and an EV/EBITDA of 8.14, suggesting a moderate valuation relative to its asset base and earnings power.

Profitability metrics indicate a gross profit of $409.7 million on $596.5 million in revenue, yielding a gross margin of approximately 68.7%. Operating income is $50.6 million, translating to an operating margin of roughly 8.5%, while net income stands at $27.9 million, resulting in a net margin of 4.7%. The return on equity is 17.2%, which is a robust return for a retail business, while the return on assets is 4.6%. These returns suggest efficient use of equity capital despite the asset-heavy nature of the retail inventory and store infrastructure.

The company’s revenue mix is not detailed in the provided segments or geography sections, preventing a specific analysis of concentration risk by product line or region. However, the classification as a Specialty Retailer implies a focus on a specific demographic or product category, which typically carries higher concentration risk than general merchandise retailers. The absence of segment data limits the ability to assess diversification benefits or specific growth drivers within the portfolio.

Growth trajectory analysis is constrained by the absence of historical period data in the input. Without 5-year annual or 8-quarter quarterly revenue and net income trends, it is not possible to determine the momentum of top-line growth or earnings stability. The current financial snapshot provides a static view of performance, lacking the temporal context required to evaluate acceleration or deceleration in business activity.

Risk factors include a medium liquidity risk and low dilution risk, with a key flag noting that net cash is negative after subtracting total debt. The debt-to-equity ratio of 0.59 indicates moderate leverage, which could constrain financial flexibility in a downturn. The absence of significant dilution risk suggests that the share count of 14.9 million is stable, with no immediate pressure from equity issuances or option exercises impacting per-share metrics.

Recent events include analyst coverage with a mean price target of $15.50 and a median target of $15.00, compared to the current market price of $18.32, indicating that the stock may be trading above consensus expectations. The mean recommendation is 2.20, with 2 strong buys and 3 holds, suggesting a cautiously optimistic view from analysts. No specific news events, filing observations, or transcript insights are provided beyond the reconciler enqueue logs, which are internal system events and not material business developments.

Revenue $144.4M, −6,0% YoY; Operating income −54,0% YoY.

• ▍Revenue $144.4M, −6,0% YoY
• ▍Operating income −54,0% YoY
• ▍Net income −59,9% YoY
• ▍Free cash flow −55,7% YoY
• ▍Net margin 3.2%

Revenue $138.4M, −3,1% YoY; Operating income −164,4% YoY.

• ▍Revenue $138.4M, −3,1% YoY
• ▍Operating income −164,4% YoY
• ▍Net income −256,6% YoY
• ▍Free cash flow −631,6% YoY
• ▍Net margin -2.5%

Revenue $150.5M, −0,5% YoY; Operating income −22,4% YoY.

• ▍Revenue $150.5M, −0,5% YoY
• ▍Operating income −22,4% YoY
• ▍Net income −25,4% YoY
• ▍Free cash flow −10,6% YoY
• ▍Net margin 6.1%

Revenue $154.0M, −0,8% YoY; Operating income +16,1% YoY.

• ▍Revenue $154.0M, −0,8% YoY
• ▍Operating income +16,1% YoY
• ▍Net income +28,4% YoY
• ▍Free cash flow +8,2% YoY
• ▍Net margin 6.8%

Revenue $153.6M; Operating income $19.1M.

• ▍Revenue $153.6M
• ▍Operating income $19.1M
• ▍Net margin 7.6%

Revenue $142.8M; Operating income $5.1M.

• ▍Revenue $142.8M
• ▍Operating income $5.1M
• ▍Net margin 1.6%

Revenue $151.3M; Operating income $19.2M.

• ▍Revenue $151.3M
• ▍Operating income $19.2M
• ▍Net margin 8.2%

Revenue $155.2M; Operating income $14.5M.

• ▍Revenue $155.2M
• ▍Operating income $14.5M
• ▍Net margin 5.3%

Revenue $596.5M, −2,3% YoY; Operating income −29,2% YoY.

• ▍Revenue $596.5M, −2,3% YoY
• ▍Operating income −29,2% YoY
• ▍Net income −29,4% YoY
• ▍Free cash flow −36,9% YoY
• ▍Net margin 4.7%

Revenue $610.9M, +0,5% YoY; Operating income −8,5% YoY.

• ▍Revenue $610.9M, +0,5% YoY
• ▍Operating income −8,5% YoY
• ▍Net income +9,1% YoY
• ▍Free cash flow −4,8% YoY
• ▍Net margin 6.5%

Revenue $608.0M, −1,7% YoY; Operating income −6,8% YoY.

• ▍Revenue $608.0M, −1,7% YoY
• ▍Operating income −6,8% YoY
• ▍Net income −14,2% YoY
• ▍Free cash flow −20,1% YoY
• ▍Net margin 6.0%

Revenue $618.5M, +5,7% YoY; Operating income +34,1% YoY.

• ▍Revenue $618.5M, +5,7% YoY
• ▍Operating income +34,1% YoY
• ▍Net income +249,9% YoY
• ▍Free cash flow +1 323,3% YoY
• ▍Net margin 6.8%