J.Jill Inc (JILL)vsUrban Outfitters Inc (URBN)
JILL
J.Jill Inc
$13.07
-1.95%
CONSUMER CYCLICAL · Cap: $194.97M
URBN
Urban Outfitters Inc
$71.30
-2.21%
CONSUMER CYCLICAL · Cap: $6.59B
Smart Verdict
WallStSmart Research — data-driven comparison
Urban Outfitters Inc generates 959% more annual revenue ($6.32B vs $596.55M). URBN leads profitability with a 7.5% profit margin vs 4.7%. JILL appears more attractively valued with a PEG of 0.63. URBN earns a higher WallStSmart Score of 63/100 (C+).
JILL
Buy54
out of 100
Grade: C-
URBN
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-55.8%
Fair Value
$10.44
Current Price
$13.07
$2.63 premium
Margin of Safety
+2.0%
Fair Value
$71.98
Current Price
$71.30
$0.68 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 23 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
4.7% margin — thin
Operating margin of 0.6%
7.5% margin — thin
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull 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 : URBN
The strongest argument for URBN centers on Altman Z-Score, P/E Ratio, Price/Book. Revenue growth of 11.4% demonstrates continued momentum. PEG of 1.34 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 : URBN
The primary concerns for URBN are Profit Margin, Free Cash Flow.
Key Dynamics to Monitor
URBN carries more volatility with a beta of 1.22 — expect wider price swings.
URBN is growing revenue faster at 11.4% — sustainability is the question.
JILL generates stronger free cash flow (-881,000), providing more financial flexibility.
Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
URBN scores higher overall (63/100 vs 54/100) and 11.4% 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.
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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