Assay
Financial-condition grades for SEC filers
Company Report · as of Oct 9, 2026
|
| J.Jill, Inc.JILL · consumer nondurables | |
|---|---|
| Grade |  Cmiddle fifth of 124 graded peers; percentile 52.0, sampling error 3.8 points; lower is stronger |
| Rank | 65 of 124 |
| Profitability | Bpercentile 30.9 |
| Solvency | C/Dpercentile 59.9 |
| Growth and financing | Cpercentile 54.8 |
| Reliability | 0.87 AUCfailure model, filers with $120M to $591M assets; 95% interval 0.83 to 0.90; 206 events, 2020 to 2025 |
| Peer failure rate | 1.03% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025 |
| Size band | $120M to $591M assetstotal assets $450.2M[1] |
| Standard universe | insiderevenue above $1M and assets above $10M[1-2] |
| Warnings | none activenot computable: distress |
| Inputs computable | 10 of 14 |
| Graded from | filings received through Mar 31, 2026192 days before the rescan; every figure keyed to the SEC receipt date |
| Last close | $24.402026-10-08; market equity $362.7M; iex feed |
| Price used in grade | None |
| Share price, twelve months to the rescansplit-adjusted close; a lollipop at every rescan carries the letter held then; baseline ticks are SEC receipt dates of the inputs; ranges and dragging scroll the full history | ||||||||||||||||||||||||||||||||||||||||||||||||
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Percentile at every rescan on file, Jan 21, 2012 to Oct 9, 2026; stronger toward the top. Hover for the date. Open this report as it stood on | ||||||||||||||||||||||||||||||||||||||||||||||||
Each date opens the report as it stood on that rescan. |
Business, in the company's words. Opening of Item 1 of the 10-K received Mar 31, 2026; the document on sec.gov.
In this Annual Report, unless otherwise indicated or the context otherwise requires, references to the “Company,” “J.Jill,” “we,” “us,” and “our” refer to J.Jill, Inc. and its consolidated subsidiaries. We operate on a 52- or 53-week fiscal year that ends on the Saturday that is closest to January 31. Each fiscal year generally is comprised of four 13-week fiscal quarters, although in the years with 53 weeks, the fourth quarter represents a 14-week period.
The Fourteen Inputs [top]
Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.
| Input | Percentile, 0 to 100 | Value | Source | Peer median | Percentile | Peers | Period end |
|---|---|---|---|---|---|---|---|
| Profitability, sleeve percentile 30.9 | |||||||
| Gross profitability | 91.0% | [1,3] | 29.8% | 4.1 | 146 | 2026-01-31 | |
| Return on invested capital | not computable | 5.6% | |||||
| a prior annual debt, equity, and cash observation is required | |||||||
| Accruals ratio | (3.3%) | [1,4-6] | (5.0%) | 62.5 | 153 | 2026-01-31 | |
| Gross margin stability, five years | 1.2 pts | [2-3,7-14] | 1.9 pts | 26.1 | 116 | 2026-01-31 | |
| Solvency, sleeve percentile 59.9 | |||||||
| Twelve-month failure probability | not computable | 0.03% | |||||
| latest liabilities, cash plus short-term investments, book equity, and shares are required | |||||||
| Altman Z double-prime | 0.51 | [1,15-20] | 3.11 | 70.2 | 122 | 2026-01-31 | |
| Net debt to EBITDA | not computable | 2.54x | |||||
| required facts have no common fiscal period end | |||||||
| Interest coverage | 4.85x | [18,21] | 2.51x | 35.7 | 43 | 2026-01-31 | |
| Current ratio | 1.08x | [15-16] | 1.81x | 73.7 | 157 | 2026-01-31 | |
| Growth and financing, sleeve percentile 54.8 | |||||||
| Revenue growth, three-year compound | (1.2%) | [2,8,10,12] | 0.2% | 57.6 | 133 | 2026-01-31 | |
| Free cash flow growth, three-year compound | (27.2%) | [5,22-28] | 14.9% | 92.3 | 66 | 2026-01-31 | |
| Reinvestment rate | not computable | 10.7% | |||||
| NOPAT must exceed $100,000 | |||||||
| Asset growth, three years | (1.2%) | [1,6,29-30] | 0.5% | 54.9 | 134 | 2026-01-31 | |
| Net share issuance, one year | (2.4%) | [31-32] | 0.05% | 14.6 | 104 | 2026-03-25 | |
Gross profitability. Revenue less cost of goods sold, over total assets.
Accruals ratio. Net income less operating cash flow, over average assets; lower is stronger.
Gross margin stability, five years. Standard deviation of gross margin; lower is stronger.
Twelve-month failure probability. CHS model; lower is stronger.
Net debt to EBITDA. Lower is stronger.
Net share issuance, one year. Split-adjusted; lower is stronger.
Sleeves are equal-weighted; within a sleeve each computable input carries equal weight. Composite -0.032; sampling error 3.8 percentile points on 124 peers.
Among 124 Peers [top]
Composite score of every graded peer, smoothed. Vertical rules are the letter band edges at the 20th, 40th, 60th and 80th percentiles. Small dots are the six largest peers by market equity.
| Rank | Company | Percentile | Letter | Warnings |
|---|---|---|---|---|
| 60 | Altria Group, Inc. (MO) Altria Group, Inc. (MO) Cmiddle fifth; percentile 48.0 NYSE · Cigarettes market equity $119.3B; last close $71.43 No active warnings; 12 of 14 inputs | 48.0 | C | |
| 61 | Oxford Industries Inc. (OXM) Oxford Industries Inc. (OXM) Cmiddle fifth; percentile 48.8 NYSE · Men's & Boys' Furnishgs, Work Clothg, & Allied Garments market equity $381.6M; last close $25.48 No active warnings; 8 of 14 inputs | 48.8 | C | |
| 62 | BrightView Holdings, Inc. (BV) BrightView Holdings, Inc. (BV) Cmiddle fifth; percentile 49.6 NYSE · Agricultural Services market equity $968.6M; last close $10.45 No active warnings; 12 of 14 inputs | 49.6 | C | |
| 63 | Celsius Holdings, Inc. (CELH) Celsius Holdings, Inc. (CELH) Cmiddle fifth; percentile 50.4 Nasdaq · Bottled & Canned Soft Drinks & Carbonated Waters market equity $6.9B; last close $27.41 No active warnings; 11 of 14 inputs | 50.4 | C | |
| 64 | Lamb Weston Holdings, Inc. (LW) Lamb Weston Holdings, Inc. (LW) Cmiddle fifth; percentile 51.2 NYSE · Canned, Frozen & Preservd Fruit, Veg & Food Specialties market equity $6.8B; last close $49.48 No active warnings; 11 of 14 inputs | 51.2 | C | |
| 65 | J.Jill, Inc. (JILL) J.Jill, Inc. (JILL) Cmiddle fifth; percentile 52.0 NYSE · Women's, Misses': and Juniors Outerwear market equity $363.7M; last close $24.40 No active warnings; 10 of 14 inputs | 52.0 | C | |
| 66 | Corteva, Inc. (CTVA) Corteva, Inc. (CTVA) Cmiddle fifth; percentile 52.8 NYSE · Agricultural Production-Crops market equity $9.2B; last close $13.74 Warnings: fortress balance sheet; 8 of 14 inputs | 52.8 | C | fortress balance sheet |
| 67 | Albany International Corp. (AIN) Albany International Corp. (AIN) Cmiddle fifth; percentile 53.7 NYSE · Broadwoven Fabric Mills, Man Made Fiber & Silk market equity $1.7B; last close $59.50 No active warnings; 11 of 14 inputs | 53.7 | C | |
| 68 | Local Bounti Corporation/DE (LOCL) Local Bounti Corporation/DE (LOCL) Cmiddle fifth; percentile 54.5 NYSE · Agricultural Production-Crops last close $1.08 Warnings: short runway; 7 of 14 inputs | 54.5 | C | short runway |
| 69 | Hasbro, Inc. (HAS) Hasbro, Inc. (HAS) Cmiddle fifth; percentile 55.3 Nasdaq · Games, Toys & Children's Vehicles (No Dolls & Bicycles) market equity $13.0B; last close $92.50 Warnings: late filer, fortress balance sheet; 9 of 14 inputs | 55.3 | C | late filer, fortress balance sheet |
| 70 | Vera Bradley, Inc. (VRA) Vera Bradley, Inc. (VRA) Cmiddle fifth; percentile 56.1 Nasdaq · Leather & Leather Products market equity $145.7M; last close $5.08 Warnings: fortress balance sheet; 8 of 14 inputs | 56.1 | C | fortress balance sheet |
| Peer policy | Letter | Percentile | Peers |
|---|---|---|---|
| all graded filers, equal sleeves | C | 49.8 | 2204 |
| sector peers, equal sleeves (the grade) | C | 52.0 | 124 |
| same exchange, equal sleeves | C | 56.4 | 984 |
| sector peers, equal inputs | C | 52.8 | 124 |
Each letter is one fifth of the 124 graded peers, about 24 companies. A boundary letter (A/B, B/C, C/D, D/E) marks a percentile within one sampling error of a band edge.
What the Price Implies [top]
Market measures at the 2026-10-08 close. None enters the grade. Percentile among graded peers with the same measure.
| Measure | Value | Peer median | Percentile | Reading |
|---|---|---|---|---|
| Twelve-month price change, skipping the latest month | 15.7% | (0.2%) | 67 | hotter than 67 of 100 peers |
| Distance from 52-week high | (1.5%) | (24.8%) | 95 | closer to its high than 95 of 100 peers |
| EBIT to enterprise value | 10.2% | 4.1% | 89 | pricier than 11 of 100 peers |
| Free cash flow yield | 6.9% | 4.8% | 60 | pricier than 40 of 100 peers |
| Book value to price | 0.38 | 0.57 | 35 | pricier than 65 of 100 peers |
| Sales to price | 1.64 | 1.20 | 57 | pricier than 43 of 100 peers |
| Composite equity issuance, five years | 38.5% | (16.3%) | 90 | more equity-funded than 90 of 100 peers |
| Relative strength against the sector, log excess return | 0.05 | (0.10) | 67 | ahead of 67 of 100 peers |
Inputs: market equity $363.7M; EBIT $50.6M; free cash flow $25.2M; book equity $139.8M; sales $596.5M; debt $208.7M; cash $76.9M[33].
Diagnostics [top]
Diagnostics do not feed the grade.
| Piotroski F-score: None of 9, period end 2026-01-31 | ||
|---|---|---|
| Return on assets above zero | 6.7% | ✓ pass[4,6] |
| Operating cash flow above zero | $42.1M | ✓ pass[5] |
| Return on assets improved | (2.5 pts) | ✗ fail[4,6,29,34] |
| Operating cash flow exceeds net income | $14.3M | ✓ pass[4-5] |
| Long-term leverage fell | n/a[1,6,29,35] | |
| Current ratio improved | 12.1 pts | ✓ pass[15-16,36-37] |
| No new shares issued | (2.4%) | ✓ pass[31-32] |
| Gross margin improved | (1.7 pts) | ✗ fail[2-3,7-8] |
| Asset turnover improved | 0.2 pts | ✓ pass[2,6,8,29] |
| Cash, filings, liquidity | |
|---|---|
| Cash and equivalents | $76.9M[38] |
| Operating cash flow, four quarters | $65.4M[5,38-42] |
| Months of runway | not finite |
| trailing operating cash flow is nonnegative, so runway is not finite | |
| Late filings, two years | 0 |
| NT 10-K or NT 10-Q | |
| Days since last periodic filing | 30 |
| 10-Q received Sep 9, 2026 | |
| Median daily dollar volume | $1.7M |
| 63 sessions | |
| Days since newest grade input | 192 |
Downloads [top]
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Sources [top]
Every citation on this page. Filing opens the SEC index page for that submission; viewer opens the SEC interactive data for the same filing; series opens the SEC XBRL API record for that tag and company.
| # | Concept | XBRL tag | Value | Period end | Received | Form | Links |
|---|---|---|---|---|---|---|---|
| 1 | assets | us-gaap:Assets | $450.2M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 2 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $596.5M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 3 | gross profit | us-gaap:GrossProfit | $409.7M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 4 | net income | us-gaap:NetIncomeLoss | $27.9M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 5 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $42.1M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 6 | assets | us-gaap:Assets | $417.7M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 7 | gross profit | us-gaap:GrossProfit | $429.9M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 8 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $610.9M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 9 | gross profit | us-gaap:GrossProfit | $430.8M | 2024-02-03 | 2026-03-31 | 10-K | filing · viewer · series |
| 10 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $608.0M | 2024-02-03 | 2026-03-31 | 10-K | filing · viewer · series |
| 11 | gross profit | us-gaap:GrossProfit | $425.3M | 2023-01-28 | 2025-04-01 | 10-K | filing · viewer · series |
| 12 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $618.5M | 2023-01-28 | 2025-04-01 | 10-K | filing · viewer · series |
| 13 | gross profit | us-gaap:GrossProfit | $394.4M | 2022-01-29 | 2024-04-04 | 10-K | filing · viewer · series |
| 14 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $585.2M | 2022-01-29 | 2024-04-04 | 10-K | filing · viewer · series |
| 15 | current assets | us-gaap:AssetsCurrent | $141.2M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 16 | current liabilities | us-gaap:LiabilitiesCurrent | $130.6M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 17 | retained earnings | us-gaap:RetainedEarningsAccumulatedDeficit | -$108.8M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 18 | operating income | us-gaap:OperatingIncomeLoss | $50.6M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 19 | book equity | us-gaap:StockholdersEquity | $121.5M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 20 | liabilities | us-gaap:Liabilities | $328.7M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 21 | interest expense | us-gaap:InterestExpense | $10.4M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 22 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $16.9M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 23 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $65.0M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 24 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $14.3M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 25 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $63.3M | 2024-02-03 | 2026-03-31 | 10-K | filing · viewer · series |
| 26 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $10.7M | 2024-02-03 | 2026-03-31 | 10-K | filing · viewer · series |
| 27 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $74.4M | 2023-01-28 | 2025-04-01 | 10-K | filing · viewer · series |
| 28 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $9.2M | 2023-01-28 | 2025-04-01 | 10-K | filing · viewer · series |
| 29 | assets | us-gaap:Assets | $428.2M | 2024-02-03 | 2025-04-01 | 10-K | filing · viewer · series |
| 30 | assets | us-gaap:Assets | $466.4M | 2023-01-28 | 2024-04-04 | 10-K | filing · viewer · series |
| 31 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 14,879,795 | 2026-03-25 | 2026-03-31 | 10-K | filing · viewer · series |
| 32 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 15,248,406 | 2025-03-28 | 2025-04-01 | 10-K | filing · viewer · series |
| 33 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 14,862,977 | 2026-09-03 | 2026-09-09 | 10-Q | filing · viewer · series |
| 34 | net income | us-gaap:NetIncomeLoss | $39.5M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 35 | long term debt | us-gaap:LongTermDebtNoncurrent | $71.4M | 2026-01-31 | 2026-03-31 | 10-K | filing · viewer · series |
| 36 | current assets | us-gaap:AssetsCurrent | $122.0M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 37 | current liabilities | us-gaap:LiabilitiesCurrent | $127.1M | 2025-02-01 | 2026-03-31 | 10-K | filing · viewer · series |
| 38 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $76.9M | 2026-08-01 | 2026-09-09 | 10-Q | filing · viewer · series |
| 39 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $48.0M | 2026-08-01 | 2026-09-09 | 10-Q | filing · viewer · series |
| 40 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $1.7M | 2026-05-02 | 2026-06-10 | 10-Q | filing · viewer · series |
| 41 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $43.7M | 2025-11-01 | 2025-12-10 | 10-Q | filing · viewer · series |
| 42 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $24.7M | 2025-08-02 | 2026-09-09 | 10-Q | filing · viewer · series |
Limitations [top]
Grade boundary. Percentile 52.0 is 8.0 points from the nearest band edge; sampling error is 3.8 points.
Peer group. Sector assignment from four-digit SIC codes, hand-tuned and published. The grade under three alternative peer policies is tabled above.
Size. Within a sector the letter tracks size. Among graded filers in the smallest asset band, 72% grade E and 0% grade A; in the largest, 13% grade E and 21% grade A. Universe as of Oct 9, 2026.
Failure model. filings 2012-01-01 to 2019-12-31 fit, filings 2020-01-01 to 2025-12-31 test; status post hoc pending confirmation. pre-registered on 2026 filings once their 12-month outcome windows close; supported if the paired per-quintile gain over the pooled model has a lower bound above 0.05.
Input validity. Revenue or total assets at or below $100,000 sets the degenerate-inputs flag. An input whose denominator is at or below $100,000 is left not computable rather than ranked.
Returns. No input on this page has a post-2015 confidence interval on returns that excludes zero. The grade ranks reported financial condition and is not a return forecast.
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