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J.Jill, Inc (JILL) Fair Value & Analysis

Consumer Cyclical · US · Market cap $222M

JJ J.Jill, Inc logo J.Jill, Inc JILL · US
Price$18.92
Fair Value$27.44
Upside+45.0%
Quality54/100
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Mixed Growth
Thin margins · 3.6% net margin
Moderate debt · generates free cash flow
2.28% dividend yield
Ranks above peers (10/15)
Narrow moat 42/100
Evidence: High Range $18.00 – $40.30 Share as image

Fair value as of: Jul 19, 2026

From 22 valuation models · updated 23 days ago

Share price +19.3% over the past month.

A solid business, screening 45% undervalued on our models.

What matters now

  • Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range ($18.00 to $40.30) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

$38.32 $8.60 Fair Value $27.44 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.

How to read this chart

60‑month range $8.60 – $38.32 · fair‑value band $18.00 – $40.30 · the $18.92 price screens below the $27.44 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 19, 2026.

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Analysis

J.Jill, Inc (JILL) currently trades at $18.92, while our model-based Fair Value estimate is $27.44, implying the stock looks roughly 45.0% undervalued today. The Quality Score stands at 54/100 (solid quality), in the Consumer Cyclical sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, J.Jill, Inc generated revenue of $587M at a net margin of 3.6%. Revenue declined 6.0% year over year. It earns a return on equity of 17.7%. Net debt stands at $184M. Fundamentals as of Jul 19, 2026

Our scenario range runs from $18.00 (bear case) to $40.30 (bull case); at $18.92, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 83% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -45% fair-value upside, at 45%, JILL screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF $10.66 $13.42 $17.84 80
Residual Income $9.53 $12.74 $40.97 76
Rev-Margin DCF $19.07 $30.49 $44.60 74
All 22 models by family
DCF Models
FCF DCF $10.39 $13.31 $18.39 38
Owner Earnings $14.92 $18.89 $25.84 31
5Y Revenue Exit $19.07 $30.15 $46.65 39
5Y EBITDA Exit $24.34 $39.12 $59.12 41
5Y P/E Exit $17.85 $28.07 $40.54 38
10Y Revenue Exit $14.24 $21.86 $30.47 36
10Y EBITDA Exit $17.61 $26.80 $37.12 37
10Y P/E Exit $14.21 $20.71 $27.20 35
Earnings-Based
Graham-Dodd $12.69 $19.01 $22.56 54
EPV $17.14 $19.44 $21.31 59
Multiples
P/E Multiple $30.78 $41.04 $51.30 63
P/S Multiple $23.78 $31.71 $39.64 58
P/B Multiple $23.78 $31.71 $39.64 55
EV/EBIT $44.28 $59.72 $75.16 53
EV/EBITDA $42.95 $57.94 $72.94 54
EV/Revenue $29.18 $42.56 $55.94 43
Asset-Based
NCAV (Graham) $4.06 $5.44 $8.13 50
Growth DCF
Growth DCF $10.66 $13.42 $17.84 80
Rev-Margin DCF $19.07 $30.49 $44.60 74
Economic Profit
Residual Income $9.53 $12.74 $40.97 76
ROIC Compounder $17.28 $19.97 $22.58 72
Growth Earnings
Growth-Adj P/E $21.70 $31.00 $40.30 68

Widest divergence: Multiples ($41.04) versus Asset-Based ($5.44). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $587M
Revenue growth (YoY) -6.0%
Net margin 3.6%
Return on equity 17.7%
Free cash flow $25.2M FY2026
P/E ratio 10.8
More key figures
Operating margin 6.2%
EPS (TTM) $1.37
Dividend yield 2.3%
EPS growth (YoY) -59.2%
Net debt $184M FY2026

Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 54/100

Of which business quality 53 · Market factors (momentum, volatility) 64

Profitability 71
Margins and returns on capital today
Quality Growth 16
Are margins and returns improving?
Cashflow 44
Earnings quality: real cash, not paper profit
Fin. Strength 38
Balance sheet, leverage, solvency risk
Investment 98
Disciplined investing over empire-building
Low Volatility 44
Calm price path (market factor)
Momentum 69
Price trend over the last 3–12 months (market factor)
52W Momentum 79
Distance to the 52-week high (market factor)
Net Issuance 64
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

J.Jill, Inc. operates as an omnichannel retailer for women's apparel in the United States. It offers apparel, footwear, and accessories, such as jewelry, bags, belts, shoes, and scarves.

Full company description

J.Jill, Inc. operates as an omnichannel retailer for women's apparel in the United States. It offers apparel, footwear, and accessories, such as jewelry, bags, belts, shoes, and scarves. The company sells its products under the J.Jill and three sub-brands, including Pure Jill, Wearever, and Fit brands through ecommerce platform and catalog, as well as its retail stores. The company was founded in 1959 and is headquartered in Quincy, Massachusetts.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

J.Jill, Inc reported revenue of $597M in FY2026 versus $585M in FY2022, a compound +0.5%/yr. Reported net income was $27.9M in FY2026.

Growth Quality 68/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2026)
$597M
Latest YoY
−2.3%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−1.2%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+7.2%
Avg. growth/yr (12Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+2.3%
Revenue +0.5%/yr
FY22 $585M
FY23 $619M
FY24 $608M
FY25 $611M
FY26 $597M
Net income
FY22 −$28.1M
FY23 $42.2M
FY24 $36.2M
FY25 $39.5M
FY26 $27.9M
Character of growth · EPS growth decomposed (2015-2026) +5.6 % p.a.
Revenue per share −5.1 pp

of which total revenue +0.8 pp · buybacks/dilution −5.9 pp

EBIT margin +4.4 pp
Tax rate +3.4 pp
Residual (interest, one-offs) +2.9 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "J.Jill, Inc Fair Value". https://www.fairvalue-calculator.com/stock/JILL

Peer Group

Apparel Retail · 106 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 54 · Below median
Fair Value upside +45% · Above median
Return on equity (TTM) 18% · Above median
Return on assets 6% · Above median
Net margin (TTM) 4% · Above median
Operating margin (TTM) 6% · Above median
Revenue growth -6% · Bottom 25%
Dividend yield (TTM) 2.3% · Above median
Debt / equity 0.59× · Higher than 75% of peers

Valuation Multiples vs Apparel Retail median · lower = cheaper

P/E (TTM) 10.8× · Cheaper than median
P/B 1.82× · Pricier than median
P/S (TTM) 0.38× · Cheaper than median
P/FCF 8.8× · Pricier than median
EV/EBITDA 4.0× · Cheaper than 75% of peers
PEG 0.63× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 93 · sector 33
FUTURE 0 · sector 18
PAST 71 · sector 36
HEALTH 71 · sector 100
DIVIDEND 46 · sector 44

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Apparel Retail stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).

Stock Price Fair Value vs Fair Value
Industria de Diseño Textil, S.A 1ITX €58.44 €23.29 -60%
The TJX Companies, Inc TJX $154.46 $84.95 -45%
Fast Retailing Co 6288 HK$40.00 HK$15.37 -62%
Ross Stores, Inc ROST $233.46 $118.41 -49%
Burlington Stores, Inc BURL $327.72 $147.08 -55%
Trent Limited TRENT ₹2,903 ₹709.49 -76%
lululemon athletica inc., LULU $116.33 $299.63 +158%
Aritzia Inc ATZ C$160.05 C$87.26 -45%
The Gap, Inc GAP $20.35 $37.12 +82%
Urban Outfitters, Inc URBN $72.95 $92.88 +27%

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Frequently asked questions

Is J.Jill, Inc (JILL) overvalued or undervalued?
As of Jul 19, 2026, our model estimates a fair value of $27.44 versus a price of $18.92, about +45% (undervalued).
What is the fair value of JILL?
Our model-based fair value for J.Jill, Inc is $27.44 (as of Jul 19, 2026), built from audited fundamentals. The current price is $18.92.
What is the quality score of JILL?
J.Jill, Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of J.Jill, Inc (JILL)?
J.Jill, Inc reported trailing-twelve-month revenue of about $587M (latest available figure, as of Jul 19, 2026).
What is the net profit margin of JILL?
The net profit margin of J.Jill, Inc is about 3.6%, meaning it keeps roughly 3.6% of revenue as net income. Based on the latest reported figures.
Does J.Jill, Inc pay a dividend?
J.Jill, Inc currently shows a dividend yield of about 2.28% relative to its recent price (as of Jul 19, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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