J.Jill, Inc. (JILL) intrinsic value & 10-year financials

J.Jill, Inc. (JILL) has a Graham intrinsic value of $38.47 per share. At $24.53 on Oct 17, 2026, the stock trades 36% below that value. Over the last 10 fiscal years revenue shrank 0.8% a year to $596.5M, with an average return on invested capital of 9.2%.

Graham intrinsic value
$38.47
Share price (Oct 17, 2026)
$24.53
Price vs Graham value
36% below
Market cap
$376.3M
Revenue (FY2026)
$596.5M
Revenue growth (10-yr CAGR)
-0.8%
ROIC (10-yr avg)
9.2%
Free cash flow (FY2026)
$25.2M

JILL 10-year financial history

Fiscal year Revenue Net income EPS (diluted) Free cash flow Operating margin ROIC
FY2026 $596.5M $27.9M $1.82 $25.2M 8.5% 16.4%
FY2025 $610.9M $39.5M $2.61 $50.8M 12.4% 27.1%
FY2024 $604.7M $36.2M $2.51 $52.6M 14.2% 26.4%
FY2023 $615.3M $42.2M $2.95 $65.2M 12.8% 21.9%
FY2022 $585.2M -$28.1M -$2.26 $69.5M 10.0% 20.2%
FY2021 $426.7M -$139.4M -$15.22 -$38.6M -38.5% -31.7%
FY2020 $691.3M -$128.6M -$2.94 $14.4M -16.2% -25.8%
FY2019 $706.3M $30.5M $0.69 $42.8M 8.7% 11.3%
FY2018 $698.1M $55.4M $1.27 $38.0M 9.9% 17.5%
FY2017 $639.1M $24.1M $0.55 $30.1M 9.3% —

Source: annual 10-K filings on SEC EDGAR. Figures in USD.

Executive summary

J.Jill, Inc. is facing top-line stagnation, with revenue contracting over the decade.

J.Jill, Inc. returns on capital have been average, hovering around 9.2% ROIC over the decade.

Over the decade, J.Jill, Inc. shows that management has aggressively returned capital to shareholders by retiring 64.9% of outstanding shares.

Benjamin Graham lens

Under Benjamin Graham's formula using SEC EDGAR fundamentals, J.Jill, Inc. is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $38.47 per share.

JILL stock: frequently asked questions

What is the intrinsic value of J.Jill, Inc. (JILL) stock?

Using Benjamin Graham's revised formula, V = EPS × (8.5 + 2g) × 4.4 / Y, with reported diluted earnings per share, a 8.0% normalized growth rate (capped at 15%) and a 5.1% AAA corporate bond yield, JILL's intrinsic value is about $38.47 per share.

Is JILL stock undervalued?

At $24.53 (close on Oct 17, 2026), JILL trades 36% below its Graham value of $38.47. On Graham's terms that leaves a margin of safety. A formula is a starting point for research, not a recommendation.

How fast has J.Jill, Inc. grown?

Revenue went from $639.1M in fiscal 2017 to $596.5M in fiscal 2026, a compound annual growth rate of -0.8%. Net income was $27.9M in fiscal 2026.

Does J.Jill, Inc. generate free cash flow?

J.Jill, Inc. generated $25.2M of free cash flow (operating cash flow minus capital expenditures) in fiscal 2026. Free cash flow was positive in 9 of the last 10 reported years.

What is JILL's return on invested capital?

Average ROIC over the last 10 fiscal years was 9.2%, and average return on equity was 61.1%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this JILL data come from?

From J.Jill, Inc.'s annual 10-K filings on SEC EDGAR, most recently filed Jun 10, 2026. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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