Forensic Analysis · Durable Goods, Textiles & Apparel · as of Jul 16, 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
Altman Z-score
Clean
Earnings quality
6
Forensic signals
11.9
P / E (ttm)
16.8%
ROE
$253M
Market cap
2.06%
Dividend yield
-2.6%
Revenue growth
J.Jill, Inc. earns a D (Weak — demands caution) forensic quality grade, and its Altman Z-score is 0.5, placing it in the Distress zone. 6 forensic signals were flagged in its latest SEC filings, led by accruals ratio.
What the filings flag
+74.5%Accruals ratio.Net operating assets grew +74.5% relative to their average in FY2026 — the accrual component of earnings. Accruals are building sharply — a large slice of profit sits in operating assets, not cash; Richardson/Sloan link high accruals to weaker future returns as they reverse. The build is led by inventory (up +14% on the year). The cash-flow cross-check is more mixed: reported earnings ran behind operating cash by 13% of net operating assets, diverging from the balance-sheet accrual read.
+2.4%/yrShare-count dilution.Diluted share count changed +7% over the last 3 years to FY2026 (+2.4%/yr). The count is GROWING — existing holders are being diluted. That's ~2.4% 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 FY2023 has been diluted ~7%.
13%Return on invested capital.Return on invested capital is 13% in the latest fiscal year and slipping from 22% — a modest positive spread over its ~9% cost of capital — growth adds value, though not dramatically.
0.9% of revStock-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. Meaningful — reported free cash flow flatters the economics, since SBC is a real cost paid in shares.
$137MGoodwill impairments.Took $137M of goodwill writedowns across 2 years (FY2020 ($119M), FY2021 ($18M)). Writedowns mean past acquisitions underperformed what was paid for them — worth weighing on capital-allocation skill.
-97%Dividend — cut.
Key fundamentals
Net Margin4.7%
Debt / Equity0.60x
Free Cash Flow$21.2M
Latest Revenue$596.5M
Return on Equity23.0%
Revenue CAGR (3yr)-1.2%
Revenue Growth YoY-2.3%
Go deeper — free with an account
The forensic grade and screens above are free — no account needed. An account adds the full interactive deep-dive on J.Jill, Inc.:
🔒The written investment read — what the numbers mean, in plain English
🔒Ask anything about JILL's filings — AI Q&A across the 10-K, 10-Qs & 8-Ks
🔒Interactive valuation — reverse-DCF sliders, Monte Carlo & scenario stress
🔒Calibrated 12-month price forecast, with the math shown
Data from SEC EDGAR public filings · metrics as of Jul 16, 2026. Forensic signals flag probability, not certainty.
J.Jill, Inc. (JILL) Stock — Forensic Analysis, Red Flags & Rating | Stockonomy · Stockonomy
The payout was CUT ~97% in FY2025 (from FY2020). It still returns some cash, but it is NOT the dependable, rising dividend an unbroken streak implies — weigh the cut when judging reliability.