J.Jill Inc (JILL)vsUrban Outfitters Inc (URBN)
JILL
J.Jill Inc
$22.85
+0.18%
CONSUMER CYCLICAL · Cap: $335.90M
URBN
Urban Outfitters Inc
$89.35
-1.52%
CONSUMER CYCLICAL · Cap: $7.42B
Smart Verdict
WallStSmart Research — data-driven comparison
Urban Outfitters Inc generates 1001% more annual revenue ($6.47B vs $588.19M). URBN leads profitability with a 8.8% profit margin vs 4.6%. JILL appears more attractively valued with a PEG of 0.63. URBN earns a higher WallStSmart Score of 71/100 (B).
JILL
Strong Buy66
out of 100
Grade: B-
URBN
Strong Buy71
out of 100
Grade: B
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
+3.9%
Fair Value
$73.34
Current Price
$89.35
$16.01 discount
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
Earnings expanding 75.9% YoY
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
0.5% revenue growth
Distress zone — elevated risk
Smaller company, higher risk/reward
4.6% margin — thin
No major concerns identified
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 : URBN
The strongest argument for URBN centers on EPS Growth, Altman Z-Score, P/E Ratio. Revenue growth of 10.4% demonstrates continued momentum. PEG of 1.24 suggests the stock is reasonably priced for its growth.
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 : URBN
No major red flags identified for URBN, but monitor valuation.
Key Dynamics to Monitor
URBN carries more volatility with a beta of 1.24 — expect wider price swings.
URBN is growing revenue faster at 10.4% — sustainability is the question.
URBN generates stronger free cash flow (301M), providing more financial flexibility.
Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
URBN scores higher overall (71/100 vs 66/100) and 10.4% revenue growth. Both earn "Strong Buy" and "Strong 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.
Urban Outfitters Inc
CONSUMER CYCLICAL · APPAREL RETAIL · USA
Urban Outfitters, Inc. is engaged in the retail and wholesale of general consumer products. The company is headquartered in Philadelphia, Pennsylvania.
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