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Stock comparison · Signal date 2026-11-03

JILL vs REF: stock comparison and AI forecast

J.Jill, Inc. (JILL) and Reformation Inc. (REF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market

Share
NYSE · Women's, Misses': and Juniors Outerwear

JILL J.Jill, Inc.

Market Cap
$356M
P/E Ratio
16.2x
Size
small-cap
AI Forecast
Full analysis →
NYSE · Women's, Misses': and Juniors Outerwear

REF Reformation Inc.

Market Cap
$939M
P/E Ratio
–
Size
small-cap
AI Forecast
Full analysis →
Model output

Which one does the AI model favor?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

JILL · REF

Key facts

  • REF is 2.6 times larger than JILL by market capitalization ($939M against $356M).
  • JILL carries 2.27 times debt per unit of equity, against 1.67 times for REF.
  • JILL yields 1.43% in dividends; REF pays none.
  • Both companies share the SEC industry classification Women's, Misses': and Juniors Outerwear.
Fundamentals

Fundamentals side by side

Trailing twelve months.

Valuation & Market

MetricJILLREF
Market Cap$356M$939M
P/E Ratio16.19x–
P/B Ratio2.55x2.49x
Dividend Yield1.43%–
EPS$1.48–
Book Value/Share$9.41$6.38
Revenue/Share$39.57–
FCF/Share$3.00–

Profitability & Margins

MetricJILLREF
ROE10.3%–
ROA3.1%–
ROIC14.2%–
Gross Margin70.0%–
Operating Margin8.3%–
Net Margin2.5%–
EBT Margin6.7%–
Tax Rate29.6%–

Financial Health

MetricJILLREF
Current Ratio1.30x1.58x
Quick Ratio0.86x0.96x
D/E Ratio2.27x1.67x
Financial Leverage3.27x2.67x
Interest Coverage12.8x3.1x
Working Capital$36M$77M

Cash Flow

MetricJILLREF
Operating Cash Flow$62M–
Free Cash Flow$45M–
Capital Spending-$17M–
FCF Growth YoY-40.0%–
FCF/Sales7.6%–
CapEx/Sales2.9%–

Operational Efficiency

MetricJILLREF
Asset Turnover1.28x–
Receivables Turnover100.5x–
Inventory Turnover3.4x–
Days Sales Outstanding4 days–
Days Inventory109 days–
Payables Period87 days–
Cash Conversion Cycle25 days–

Income Statement

MetricJILLREF
Total Revenue$588M–
Operating Income$48M–
Net Income$14M–
SG&A Expense$363M–
Cost of Goods Sold$176M–

Dividend & Shareholder Information

MetricJILLREF
Dividends Per Share$0.34–
Payout Ratio23.0%–
Shares Outstanding15M59M
Net Income Growth-67.0%–
FAQ

JILL vs REF: stock comparison and AI forecast

Which is bigger, JILL or REF?

REF is 2.6 times larger than JILL by market capitalization ($939M against $356M).

Which one does Intratio's AI model rank higher, JILL or REF?

Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.

This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.