J.Jill, Inc.

JILL · Consumer Discretionary · $245.7M mkt cap · FY2026 filings · Narrow moat

Wonderful & reasonably priced

Narrow moat

The four filters

Pricing power97

Median gross margin 67.2% over 10y, very stable.

Returns on capital92

Median ROIC 23.5%, above the 9% hurdle in 78% of years.

Balance-sheet safety56

Net debt/EBITDA 0.4x, interest coverage 5x.

Capital discipline49

Owner earnings +3.3%/yr, share count n/a.

Margin of safety

Above valueOn sale

52% below value

Owner earnings (normalized): $46.5M
Est. intrinsic value / share: $34.79
Recent price: $16.53
Discount to value: 52% below value

Conservative model: 9% discount rate, 0% assumed growth (capped at 4%), maintenance capex ≈ min(capex, D&A).

Moat Score history

Score history begins 2026-07-17. Check back as the record builds.

Scores are logged append-only and never overwritten — this record can't be backfilled, which is exactly why it's worth keeping.

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Scored from primary SEC filings via the public methodology. Educational only — not a recommendation to buy or sell JILL. See the disclaimer.