J.Jill Inc (JILL)vsThe TJX Companies Inc (TJX)
JILL
J.Jill Inc
$22.85
+0.18%
CONSUMER CYCLICAL · Cap: $335.90M
TJX
The TJX Companies Inc
$141.39
+2.17%
CONSUMER CYCLICAL · Cap: $162.06B
Smart Verdict
WallStSmart Research — data-driven comparison
The TJX Companies Inc generates 10502% more annual revenue ($62.36B vs $588.19M). TJX leads profitability with a 9.7% profit margin vs 4.6%. JILL appears more attractively valued with a PEG of 0.63. JILL earns a higher WallStSmart Score of 66/100 (B-).
JILL
Strong Buy66
out of 100
Grade: B-
TJX
Buy58
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-54.4%
Fair Value
$10.53
Current Price
$22.85
$12.32 premium
Margin of Safety
-3.3%
Fair Value
$140.47
Current Price
$141.39
$0.92 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 61.0% YoY
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 57 in profit
Safe zone — low bankruptcy risk
Large-cap with strong market position
Earnings expanding 23.6% YoY
Generating 1.7B in free cash flow
Areas to Watch
0.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
4.6% margin — thin
Moderate valuation
Trading at 14.6x book value
Elevated debt levels
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : JILL
The strongest argument for JILL centers on EPS Growth, Return on Equity, PEG Ratio. PEG of 0.63 suggests the stock is reasonably priced for its growth.
Bull Case : TJX
The strongest argument for TJX centers on Return on Equity, Altman Z-Score, Market Cap.
Bear Case : JILL
The primary concerns for JILL are Revenue Growth, Altman Z-Score, Market Cap. Debt-to-equity of 1.57 is elevated, increasing financial risk. Thin 4.6% margins leave little buffer for downturns.
Bear Case : TJX
The primary concerns for TJX are P/E Ratio, Price/Book, Debt/Equity.
Key Dynamics to Monitor
JILL carries more volatility with a beta of 0.79 — expect wider price swings.
TJX is growing revenue faster at 5.4% — sustainability is the question.
TJX generates stronger free cash flow (1.7B), providing more financial flexibility.
Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JILL scores higher overall (66/100 vs 58/100). Both earn "Strong 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.
The TJX Companies Inc
CONSUMER CYCLICAL · APPAREL RETAIL · USA
The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.
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