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Side-by-side financial comparison of H2O AMERICA (HTO) and J.Jill, Inc. (JILL). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $150.5M, roughly 1.3× J.Jill, Inc.). H2O AMERICA runs the higher net margin — 8.1% vs 6.1%, a 2.0% gap on every dollar of revenue. On growth, H2O AMERICA posted the faster year-over-year revenue change (1.5% vs -0.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs 0.1%).
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
J.Jill is an American womenswear retailer founded in 1955 in Massachusetts. It has been a publicly traded company since 2017. J.Jill is headquartered in Quincy, Massachusetts.
HTO vs JILL — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $199.4M | $150.5M |
| Net Profit | $16.2M | $9.2M |
| Gross Margin | — | 70.9% |
| Operating Margin | 16.6% | 9.9% |
| Net Margin | 8.1% | 6.1% |
| Revenue YoY | 1.5% | -0.5% |
| Net Profit YoY | -29.2% | -25.5% |
| EPS (diluted) | $0.45 | $0.60 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $199.4M | $150.5M | ||
| Q3 25 | $243.5M | $154.0M | ||
| Q2 25 | $197.8M | $153.6M | ||
| Q1 25 | $164.9M | $142.8M | ||
| Q4 24 | $196.5M | $151.3M | ||
| Q3 24 | $216.7M | $155.2M | ||
| Q2 24 | $173.1M | $161.5M | ||
| Q1 24 | $150.0M | $150.3M |
| Q4 25 | $16.2M | $9.2M | ||
| Q3 25 | $45.1M | $10.5M | ||
| Q2 25 | $24.7M | $11.7M | ||
| Q1 25 | $16.6M | $2.2M | ||
| Q4 24 | $22.9M | $12.3M | ||
| Q3 24 | $38.7M | $8.2M | ||
| Q2 24 | $20.7M | $16.7M | ||
| Q1 24 | $11.7M | $4.8M |
| Q4 25 | — | 70.9% | ||
| Q3 25 | — | 68.4% | ||
| Q2 25 | — | 71.8% | ||
| Q1 25 | — | 66.3% | ||
| Q4 24 | — | 71.4% | ||
| Q3 24 | — | 70.5% | ||
| Q2 24 | — | 72.9% | ||
| Q1 24 | — | 67.5% |
| Q4 25 | 16.6% | 9.9% | ||
| Q3 25 | 26.5% | 10.9% | ||
| Q2 25 | 22.2% | 12.4% | ||
| Q1 25 | 21.8% | 3.6% | ||
| Q4 24 | 22.2% | 12.7% | ||
| Q3 24 | 26.9% | 14.8% | ||
| Q2 24 | 23.4% | 17.6% | ||
| Q1 24 | 18.6% | 7.0% |
| Q4 25 | 8.1% | 6.1% | ||
| Q3 25 | 18.5% | 6.8% | ||
| Q2 25 | 12.5% | 7.6% | ||
| Q1 25 | 10.0% | 1.6% | ||
| Q4 24 | 11.7% | 8.2% | ||
| Q3 24 | 17.8% | 5.3% | ||
| Q2 24 | 12.0% | 10.3% | ||
| Q1 24 | 7.8% | 3.2% |
| Q4 25 | $0.45 | $0.60 | ||
| Q3 25 | $1.27 | $0.69 | ||
| Q2 25 | $0.71 | $0.76 | ||
| Q1 25 | $0.49 | $0.11 | ||
| Q4 24 | $0.70 | $0.80 | ||
| Q3 24 | $1.17 | $0.54 | ||
| Q2 24 | $0.64 | $1.16 | ||
| Q1 24 | $0.36 | $0.33 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $20.7M | $58.0M |
| Total DebtLower is stronger | $1.9B | — |
| Stockholders' EquityBook value | $1.5B | $129.0M |
| Total Assets | $5.1B | $458.0M |
| Debt / EquityLower = less leverage | 1.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.7M | $58.0M | ||
| Q3 25 | $11.3M | $45.5M | ||
| Q2 25 | $19.8M | $31.2M | ||
| Q1 25 | $23.7M | $35.4M | ||
| Q4 24 | $11.1M | $38.8M | ||
| Q3 24 | $4.0M | $28.5M | ||
| Q2 24 | $22.8M | $77.1M | ||
| Q1 24 | $4.5M | $62.2M |
| Q4 25 | $1.9B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $129.0M | ||
| Q3 25 | $1.5B | $121.5M | ||
| Q2 25 | $1.5B | $112.0M | ||
| Q1 25 | $1.4B | $105.8M | ||
| Q4 24 | $1.4B | $103.3M | ||
| Q3 24 | $1.3B | $90.4M | ||
| Q2 24 | $1.3B | $53.1M | ||
| Q1 24 | $1.2B | $37.2M |
| Q4 25 | $5.1B | $458.0M | ||
| Q3 25 | $5.0B | $436.5M | ||
| Q2 25 | $4.8B | $432.9M | ||
| Q1 25 | $4.7B | $417.7M | ||
| Q4 24 | $4.7B | $418.3M | ||
| Q3 24 | $4.6B | $390.8M | ||
| Q2 24 | $4.4B | $443.9M | ||
| Q1 24 | $4.4B | $428.2M |
| Q4 25 | 1.23× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $63.5M | $19.1M |
| Free Cash FlowOCF − Capex | — | $16.0M |
| FCF MarginFCF / Revenue | — | 10.6% |
| Capex IntensityCapex / Revenue | — | 2.0% |
| Cash ConversionOCF / Net Profit | 3.92× | 2.07× |
| TTM Free Cash FlowTrailing 4 quarters | — | $37.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.5M | $19.1M | ||
| Q3 25 | $77.3M | $19.4M | ||
| Q2 25 | $60.8M | $5.3M | ||
| Q1 25 | $43.2M | $8.1M | ||
| Q4 24 | $41.5M | $19.1M | ||
| Q3 24 | $53.5M | $16.4M | ||
| Q2 24 | $49.3M | $21.5M | ||
| Q1 24 | $51.2M | $6.6M |
| Q4 25 | — | $16.0M | ||
| Q3 25 | — | $17.1M | ||
| Q2 25 | — | $3.1M | ||
| Q1 25 | — | $1.4M | ||
| Q4 24 | — | $14.6M | ||
| Q3 24 | — | $15.0M | ||
| Q2 24 | — | $19.8M | ||
| Q1 24 | — | $1.8M |
| Q4 25 | — | 10.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 2.0% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | — | 9.6% | ||
| Q2 24 | — | 12.2% | ||
| Q1 24 | — | 1.2% |
| Q4 25 | — | 2.0% | ||
| Q3 25 | — | 1.5% | ||
| Q2 25 | — | 1.5% | ||
| Q1 25 | — | 4.7% | ||
| Q4 24 | — | 2.9% | ||
| Q3 24 | — | 0.9% | ||
| Q2 24 | — | 1.1% | ||
| Q1 24 | — | 3.2% |
| Q4 25 | 3.92× | 2.07× | ||
| Q3 25 | 1.71× | 1.84× | ||
| Q2 25 | 2.47× | 0.46× | ||
| Q1 25 | 2.61× | 3.60× | ||
| Q4 24 | 1.81× | 1.54× | ||
| Q3 24 | 1.39× | 2.00× | ||
| Q2 24 | 2.38× | 1.29× | ||
| Q1 24 | 4.38× | 1.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
JILL
| Sales Channel Through Intermediary | $80.1M | 53% |
| Sales Channel Directly To Consumer | $70.5M | 47% |
