WallStSmart

J.Jill Inc (JILL)vsLive Ventures Inc (LIVE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

J.Jill Inc generates 34% more annual revenue ($587.35M vs $437.87M). JILL leads profitability with a 3.6% profit margin vs 0.9%. JILL earns a higher WallStSmart Score of 51/100 (C-).

JILL

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 6.0Value: 6.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.60

LIVE

Avoid

33

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 6.7Quality: 5.5
Piotroski: 5/9Altman Z: 2.02
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JILLSignificantly Overvalued (-58.5%)

Margin of Safety

-58.5%

Fair Value

$10.26

Current Price

$18.32

$8.06 premium

UndervaluedFair: $10.26Overvalued
LIVEUndervalued (+86.2%)

Margin of Safety

+86.2%

Fair Value

$141.21

Current Price

$9.73

$131.48 discount

UndervaluedFair: $141.21Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JILL4 strengths · Avg: 8.3/10
Return on EquityProfitability
23.0%9/10

Every $100 of equity generates 23 in profit

PEG RatioValuation
0.638/10

Growing faster than its price suggests

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

LIVE1 strengths · Avg: 10.0/10
Price/BookValuation
0.3x10/10

Reasonable price relative to book value

Areas to Watch

JILL4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.604/10

Distress zone — elevated risk

Market CapQuality
$252.08M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Debt/EquityHealth
1.763/10

Elevated debt levels

LIVE4 concerns · Avg: 3.0/10
Market CapQuality
$30.75M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.2%3/10

ROE of 4.2% — below average capital efficiency

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
1.9%3/10

Operating margin of 1.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : JILL

The strongest argument for JILL centers on Return on Equity, PEG Ratio, P/E Ratio. PEG of 0.63 suggests the stock is reasonably priced for its growth.

Bull Case : LIVE

The strongest argument for LIVE centers on Price/Book.

Bear Case : JILL

The primary concerns for JILL are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 1.76 is elevated, increasing financial risk. Thin 3.6% margins leave little buffer for downturns.

Bear Case : LIVE

The primary concerns for LIVE are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 2.50 is elevated, increasing financial risk. Thin 0.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

LIVE carries more volatility with a beta of 0.99 — expect wider price swings.

LIVE is growing revenue faster at -3.8% — sustainability is the question.

JILL generates stronger free cash flow (-1M), providing more financial flexibility.

Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

JILL scores higher overall (51/100 vs 33/100). LIVE offers better value entry with a 86.2% margin of safety. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

J.Jill Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

J.Jill, Inc. is an omnichannel womenswear retailer under the J.Jill brand in the United States. The company is headquartered in Quincy, Massachusetts.

Live Ventures Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

Live Ventures Incorporated is engaged in flooring manufacturing, steel fabrication and retail businesses in the United States. The company is headquartered in Las Vegas, Nevada.

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