WallStSmart

J.Jill Inc (JILL)vsLululemon Athletica Inc. (LULU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lululemon Athletica Inc. generates 1778% more annual revenue ($11.20B vs $596.55M). LULU leads profitability with a 13.0% profit margin vs 4.7%. LULU appears more attractively valued with a PEG of 0.58. LULU earns a higher WallStSmart Score of 64/100 (C+).

JILL

Buy

54

out of 100

Grade: C-

Growth: 2.0Profit: 5.5Value: 6.7Quality: 4.5
Piotroski: 2/9Altman Z: 1.60

LULU

Buy

64

out of 100

Grade: C+

Growth: 4.7Profit: 8.0Value: 9.3Quality: 7.5
Piotroski: 3/9Altman Z: 4.12
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JILLSignificantly Overvalued (-55.8%)

Margin of Safety

-55.8%

Fair Value

$10.44

Current Price

$13.07

$2.63 premium

UndervaluedFair: $10.44Overvalued
LULUUndervalued (+70.7%)

Margin of Safety

+70.7%

Fair Value

$600.18

Current Price

$114.23

$485.95 discount

UndervaluedFair: $600.18Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JILL4 strengths · Avg: 8.8/10
P/E RatioValuation
7.2x10/10

Attractively priced relative to earnings

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

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

LULU5 strengths · Avg: 9.2/10
P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Return on EquityProfitability
30.3%10/10

Every $100 of equity generates 30 in profit

Altman Z-ScoreHealth
4.1210/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.588/10

Growing faster than its price suggests

Price/BookValuation
2.7x8/10

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
$194.97M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.7%3/10

4.7% margin — thin

Operating MarginProfitability
0.6%3/10

Operating margin of 0.6%

LULU3 concerns · Avg: 3.0/10
Revenue GrowthGrowth
4.3%4/10

4.3% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-35.0%2/10

Earnings declined 35.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : JILL

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

Bull Case : LULU

The strongest argument for LULU centers on P/E Ratio, Return on Equity, Altman Z-Score. PEG of 0.58 suggests the stock is reasonably priced for its growth.

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 4.7% margins leave little buffer for downturns.

Bear Case : LULU

The primary concerns for LULU are Revenue Growth, Piotroski F-Score, EPS Growth.

Key Dynamics to Monitor

JILL carries more volatility with a beta of 0.90 — expect wider price swings.

LULU is growing revenue faster at 4.3% — sustainability is the question.

LULU generates stronger free cash flow (87M), providing more financial flexibility.

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

Bottom Line

LULU scores higher overall (64/100 vs 54/100). Both earn "Buy" and "Buy" 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.

Lululemon Athletica Inc.

CONSUMER CYCLICAL · APPAREL RETAIL · USA

lululemon athletica inc. The company is headquartered in Vancouver, Canada.

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