J.Jill Inc (JILL)vsRoss Stores Inc (ROST)
JILL
J.Jill Inc
$18.32
-1.45%
CONSUMER CYCLICAL · Cap: $252.08M
ROST
Ross Stores Inc
$251.96
+0.37%
CONSUMER CYCLICAL · Cap: $76.41B
Smart Verdict
WallStSmart Research — data-driven comparison
Ross Stores Inc generates 3948% more annual revenue ($23.78B vs $587.35M). ROST leads profitability with a 9.7% profit margin vs 3.6%. JILL appears more attractively valued with a PEG of 0.63. ROST earns a higher WallStSmart Score of 64/100 (C+).
JILL
Buy51
out of 100
Grade: C-
ROST
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-58.5%
Fair Value
$10.26
Current Price
$18.32
$8.06 premium
Margin of Safety
-8.3%
Fair Value
$177.87
Current Price
$251.96
$74.09 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 23 in profit
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Every $100 of equity generates 37 in profit
Safe zone — low bankruptcy risk
Large-cap with strong market position
Revenue surging 20.6% year-over-year
Earnings expanding 37.4% YoY
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
3.6% margin — thin
Elevated debt levels
Premium valuation, high expectations priced in
Trading at 12.8x book value
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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 : ROST
The strongest argument for ROST centers on Return on Equity, Altman Z-Score, Market Cap. Revenue growth of 20.6% demonstrates continued momentum.
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 : ROST
The primary concerns for ROST are P/E Ratio, Price/Book, PEG Ratio.
Key Dynamics to Monitor
JILL profiles as a value stock while ROST is a growth play — different risk/reward profiles.
ROST carries more volatility with a beta of 0.88 — expect wider price swings.
ROST is growing revenue faster at 20.6% — sustainability is the question.
ROST generates stronger free cash flow (627M), providing more financial flexibility.
Bottom Line
ROST scores higher overall (64/100 vs 51/100) and 20.6% revenue growth. 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.
Ross Stores Inc
CONSUMER CYCLICAL · APPAREL RETAIL · USA
Ross Stores, Inc., operating under the brand name Ross Dress for Less, is an American chain of discount department stores headquartered in Dublin, California.
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