J. Jill, Inc. — Earnings Quality Grade F
JILL · Consumer Cyclical
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 3 days, change -0 days YoY
AR growth -13.9% vs revenue growth -2.3%
Revenue -2.3%, CFFO -35.2%. Cash follows revenue
Expense Quality
Inventory 14.3% vs COGS 3.2%. Normal
CapEx growth 6.5% vs revenue -2.3%. Normal
SG&A/Gross Profit = 87.5%, exceeds 70%
Gross margin 68.7%, change -1.7pp. Stable
Cash Flow Quality
CFFO/NI = 1.51. Profits backed by cash
FCF $0.0B, FCF/NI = 0.83
Accruals ratio = -3.2%. Low accruals
Cash $0.0B covers only 18% of debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 95% of equity. Over 50%
Debt/EBITDA = 3.2x. Healthy
Other assets -0.8% vs revenue -2.3%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
M-Score = -2.77 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25