J.Jill, Inc. (JILL) Stock — Forensic Analysis, Red Flags & Rating | Stockonomy · Stockonomy
Forensic Analysis · Durable Goods, Textiles & Apparel · as of Oct 11, 2026
J.Jill, Inc. (JILL)
A forensic read on J.Jill, Inc. built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.
D · Weak — demands caution
Forensic grade
Distress
Financial health
0.5
Distress distance
Clean
Earnings quality
5
Forensic signals
13.6
P / E (ttm)
23.0%
ROE
$363M
Market cap
1.38%
Dividend yield
-2.3%
Revenue growth
This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (red flags, auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.
J.Jill, Inc. earns a D (Weak — demands caution) forensic quality grade, and its balance-sheet distress test reads 0.5, placing it in the Distress zone. 5 forensic signals were flagged in its latest SEC filings, led by accruals ratio (% of noa).
What the filings flag
+74.5%
FY2025→FY2026
Accruals ratio (% of NOA).Net operating assets grew +74.5% relative to their own average in FY2026 — scaled by NOA itself, not by total assets, which is what the Forensic Screens card's own accrual row divides by. Accruals are building sharply — a large slice of profit sits in operating assets, not cash. An accrual is a claim that still has to be collected or written down, so the gap resolves in a later period whichever way it goes. The build is led by inventory up +14% against +3% in cost of sales. A cash-flow measure on the same base disagrees: reported earnings ran behind operating cash by 13% of net operating assets, against an accruals ratio of 74.5%. The two are computed differently: the accruals ratio is the change in net operating assets over average net operating assets, while the cash-flow figure is net income less operating cash flow over that same average. Read them as two results, not one.
128d
FY2025→FY2026
Inventory days.Days inventory outstanding moved from 116 to 128 FY2025→FY2026 (against cost of goods sold; inventory +14% vs +3% in cost of sales). Inventory is building a little faster than sales — watch for markdowns.
12.9%
FY2026
Return on invested capital.Return on invested capital is 12.9% in the latest fiscal year and slipping across FY2024–FY2026 from 25.6%. After-tax operating profit was $63M in FY2024 and $36M in FY2026, with operating income at 14.2% of revenue in FY2024, 12.4% in FY2025 and 8.5% in FY2026. The capital base behind it grew +14% across FY2024–FY2026, from $246M to $280M, while the return fell 12.7 points, so the dollars added over that window earned less than the 25.6% the older base was already earning.
+3.2%/yr
FY2024–FY2026
Key fundamentals
Latest Revenue$596.5M
Revenue Growth YoY-2.3%
Revenue CAGR (2yr)-0.9%
Net Margin4.7%
Free Cash Flow$25.2M
Return on Equity23.0%
Debt / Equity0.60x
The forensic grade and screens above are free — no account needed. Want the AI investment read on top — the 0–100 rating, thesis, bull-vs-bear, red flags and the 12-month scenario, written from J.Jill, Inc.'s actual 10-K/10-Q/8-K filings?
Data from SEC EDGAR public filings · metrics as of Oct 11, 2026. Forensic signals flag probability, not certainty.
Share-count dilution.
Diluted share count changed +6% over the last 2 years to FY2026 (+3.2%/yr). The count is growing — 14.4M shares in FY2024, 15.3M in FY2026: more stock was issued than repurchased over this window, so aggregate results grew faster than their per-share equivalents. That's ~3.2% shaved off per-share growth every year — total profit has to grow that much just to keep earnings-per-share flat, and a stake held since FY2024 has been diluted ~6%.
0.9% of rev
FY2026
Stock-based comp load.Stock-based compensation ran 0.9% of revenue and 21% of free cash flow in FY2026 — about $0.35 per diluted share. No cash left the business to pay it, which is why operating cash flow adds it back. Net of repurchases the diluted count still rose about 3.2% a year across FY2024–FY2026, and the rate is falling. Stock compensation is one source of that issuance; acquisition consideration, equity raises, convertibles and other employee plans also net into the count, and these figures do not separate them.