JILLJ.Jill, Inc.
Is it safe?
Mostly sound, with a caveat: comfortable debt (AA), but big price swings.
Net cash and profitable. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -97% · now at/near its 52-week high.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can JILL take a bad year?
J.Jill, Inc. holds $4.4M more cash than debt, so a bad year is a question about profits, not about lenders.
Net cash
- Net debt / EBITDA
- net cash
Net debt / EBITDA · no net borrowings to measure against earnings
- Interest cover
- 5.51×
Interest cover · operating profit covers the interest bill several times over
- Annualised volatility
- 48%
Annualised volatility · roughly twice as jumpy as the market
Details›
- Total debtQ2 2026
- $73M
- Cash and short-term investments
- $77M
- Net cash
- $4.4M
- EBITDA, trailing twelve months
- $61M
- Operating profit, trailing twelve months
- $48M
- Debt / equity
- 0.52×
- Total debt / EBITDA
- 1.20×
- Annualised volatilitytwo years of daily moves
- 48%
- Worst drawdown on file
- −97%
- Below its 52-week high
- 1.4%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.