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J.jill, Inc. key statistics and ratios

In fiscal 2026, J.jill, Inc. had return on equity of 24.5% and a net margin of 4.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Jan 20172018Feb 20182019Feb 20192020Feb 20202021Jan 20212022Jan 20222023Jan 20232024Feb 20242025Feb 20252026Jan 2026LTMAug 2026
Net margin3.8%7.9%4.3%−18.6%−32.7%−4.8%6.8%6.0%6.5%4.7%4.6%
Return on equity—30.9%15.5%−101.9%———195.7%55.2%24.5%20.8%
Return on assets4.2%9.5%5.0%−20.4%−24.6%−5.9%9.2%8.1%9.3%6.4%6.0%
Effective tax rate40.9%−10.9%27.6%———28.1%26.7%26.9%28.6%29.6%
SG&A as % of revenue57.7%56.6%56.5%58.8%80.5%57.4%55.8%56.7%57.9%60.1%61.7%
Dividends ÷ net income290.8%———————7.3%17.4%18.8%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

4 of 6 checks passed · August 1, 2026
What it owns · $458m
Short-term assets $156mLonger-term assets $302m
What it owes, and who funded it · $458m
Short-term liabilities $120mLonger-term liabilities $198mShareholders' equity $140m
  • Short-term assets cover short-term liabilities $156m of assets due within a year against $120m of liabilities due within a year.
  • Short-term assets cover long-term liabilities $156m short-term assets against $198m of longer-dated liabilities.
  • More cash than debt $77m of cash against $73m of debt.
  • Debt below 40% of shareholders' equity Debt is 52% of equity.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt $65m of operating cash flow against $73m of debt.
  • Operating profit covers interest at least five times over Operating income of $48m against $9m of interest.

From J.jill, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

51 /100

Moderate moat

How hard J.jill's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 14 / 20

    Cash operating profit has been a median 10.8% of total assets over 9 years.

  • Pricing power 19 / 20

    Gross margin has been a median 67.6%, moving by 3.4 percentage points (standard deviation) across 10 years.

  • Durability 2 / 20

    Operating margin has been a median 9.5%; its worst year was -27.0%.

  • Cash conversion 12 / 20

    Free cash flow was positive in 9 of 10 years, at a median 6.2% of revenue.

  • Discipline 10 / 20

    The diluted share count rose 48.4% over five years; stock-based pay has been a median 0.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (56 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: JILL vs TLYSAKA vs JILLDLTH vs JILLCATO vs JILL

More: Apparel Retail stocks compared, Consumer Discretionary sector, rankings of US companies

Figures from J.jill, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to J.jill, Inc.