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Side-by-side financial comparison of J.Jill, Inc. (JILL) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
J.Jill, Inc. is the larger business by last-quarter revenue ($150.5M vs $78.6M, roughly 1.9× Repay Holdings Corp). J.Jill, Inc. runs the higher net margin — 6.1% vs -178.3%, a 184.4% gap on every dollar of revenue. On growth, Repay Holdings Corp posted the faster year-over-year revenue change (0.4% vs -0.5%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $16.0M). Over the past eight quarters, J.Jill, Inc.'s revenue compounded faster (0.1% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
JILL vs RPAY — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $150.5M | $78.6M |
| Net Profit | $9.2M | $-140.1M |
| Gross Margin | 70.9% | 74.2% |
| Operating Margin | 9.9% | -182.2% |
| Net Margin | 6.1% | -178.3% |
| Revenue YoY | -0.5% | 0.4% |
| Net Profit YoY | -25.5% | -3304.1% |
| EPS (diluted) | $0.60 | $-1.68 |
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 | $150.5M | $78.6M | ||
| Q3 25 | $154.0M | $77.7M | ||
| Q2 25 | $153.6M | $75.6M | ||
| Q1 25 | $142.8M | $77.3M | ||
| Q4 24 | $151.3M | $78.3M | ||
| Q3 24 | $155.2M | $79.1M | ||
| Q2 24 | $161.5M | $74.9M | ||
| Q1 24 | $150.3M | $80.7M |
| Q4 25 | $9.2M | $-140.1M | ||
| Q3 25 | $10.5M | $-6.4M | ||
| Q2 25 | $11.7M | $-102.3M | ||
| Q1 25 | $2.2M | $-7.9M | ||
| Q4 24 | $12.3M | $-4.1M | ||
| Q3 24 | $8.2M | $3.2M | ||
| Q2 24 | $16.7M | $-4.1M | ||
| Q1 24 | $4.8M | $-5.2M |
| Q4 25 | 70.9% | 74.2% | ||
| Q3 25 | 68.4% | 74.4% | ||
| Q2 25 | 71.8% | 75.7% | ||
| Q1 25 | 66.3% | 75.9% | ||
| Q4 24 | 71.4% | 76.3% | ||
| Q3 24 | 70.5% | 77.8% | ||
| Q2 24 | 72.9% | 78.2% | ||
| Q1 24 | 67.5% | 76.2% |
| Q4 25 | 9.9% | -182.2% | ||
| Q3 25 | 10.9% | -3.9% | ||
| Q2 25 | 12.4% | -138.7% | ||
| Q1 25 | 3.6% | -4.7% | ||
| Q4 24 | 12.7% | -1.5% | ||
| Q3 24 | 14.8% | -0.9% | ||
| Q2 24 | 17.6% | -4.6% | ||
| Q1 24 | 7.0% | -3.1% |
| Q4 25 | 6.1% | -178.3% | ||
| Q3 25 | 6.8% | -8.3% | ||
| Q2 25 | 7.6% | -135.2% | ||
| Q1 25 | 1.6% | -10.3% | ||
| Q4 24 | 8.2% | -5.3% | ||
| Q3 24 | 5.3% | 4.1% | ||
| Q2 24 | 10.3% | -5.4% | ||
| Q1 24 | 3.2% | -6.5% |
| Q4 25 | $0.60 | $-1.68 | ||
| Q3 25 | $0.69 | $-0.08 | ||
| Q2 25 | $0.76 | $-1.15 | ||
| Q1 25 | $0.11 | $-0.09 | ||
| Q4 24 | $0.80 | $-0.04 | ||
| Q3 24 | $0.54 | $0.03 | ||
| Q2 24 | $1.16 | $-0.04 | ||
| Q1 24 | $0.33 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $58.0M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $129.0M | $484.4M |
| Total Assets | $458.0M | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.0M | $115.7M | ||
| Q3 25 | $45.5M | $95.7M | ||
| Q2 25 | $31.2M | $162.6M | ||
| Q1 25 | $35.4M | $165.5M | ||
| Q4 24 | $38.8M | $189.5M | ||
| Q3 24 | $28.5M | $168.7M | ||
| Q2 24 | $77.1M | $147.1M | ||
| Q1 24 | $62.2M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $129.0M | $484.4M | ||
| Q3 25 | $121.5M | $616.9M | ||
| Q2 25 | $112.0M | $633.7M | ||
| Q1 25 | $105.8M | $755.7M | ||
| Q4 24 | $103.3M | $761.3M | ||
| Q3 24 | $90.4M | $754.7M | ||
| Q2 24 | $53.1M | $815.4M | ||
| Q1 24 | $37.2M | $813.8M |
| Q4 25 | $458.0M | $1.2B | ||
| Q3 25 | $436.5M | $1.3B | ||
| Q2 25 | $432.9M | $1.4B | ||
| Q1 25 | $417.7M | $1.5B | ||
| Q4 24 | $418.3M | $1.6B | ||
| Q3 24 | $390.8M | $1.6B | ||
| Q2 24 | $443.9M | $1.5B | ||
| Q1 24 | $428.2M | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $19.1M | $23.3M |
| Free Cash FlowOCF − Capex | $16.0M | $23.2M |
| FCF MarginFCF / Revenue | 10.6% | 29.6% |
| Capex IntensityCapex / Revenue | 2.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.07× | — |
| TTM Free Cash FlowTrailing 4 quarters | $37.6M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $19.1M | $23.3M | ||
| Q3 25 | $19.4M | $32.2M | ||
| Q2 25 | $5.3M | $33.1M | ||
| Q1 25 | $8.1M | $2.5M | ||
| Q4 24 | $19.1M | $34.3M | ||
| Q3 24 | $16.4M | $60.1M | ||
| Q2 24 | $21.5M | $31.0M | ||
| Q1 24 | $6.6M | $24.8M |
| Q4 25 | $16.0M | $23.2M | ||
| Q3 25 | $17.1M | $32.1M | ||
| Q2 25 | $3.1M | $33.0M | ||
| Q1 25 | $1.4M | $2.4M | ||
| Q4 24 | $14.6M | $34.0M | ||
| Q3 24 | $15.0M | $59.8M | ||
| Q2 24 | $19.8M | $30.5M | ||
| Q1 24 | $1.8M | $24.7M |
| Q4 25 | 10.6% | 29.6% | ||
| Q3 25 | 11.1% | 41.3% | ||
| Q2 25 | 2.0% | 43.6% | ||
| Q1 25 | 1.0% | 3.0% | ||
| Q4 24 | 9.7% | 43.5% | ||
| Q3 24 | 9.6% | 75.6% | ||
| Q2 24 | 12.2% | 40.7% | ||
| Q1 24 | 1.2% | 30.6% |
| Q4 25 | 2.0% | 0.1% | ||
| Q3 25 | 1.5% | 0.2% | ||
| Q2 25 | 1.5% | 0.1% | ||
| Q1 25 | 4.7% | 0.2% | ||
| Q4 24 | 2.9% | 0.3% | ||
| Q3 24 | 0.9% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% | ||
| Q1 24 | 3.2% | 0.1% |
| Q4 25 | 2.07× | — | ||
| Q3 25 | 1.84× | — | ||
| Q2 25 | 0.46× | — | ||
| Q1 25 | 3.60× | — | ||
| Q4 24 | 1.54× | — | ||
| Q3 24 | 2.00× | 18.52× | ||
| Q2 24 | 1.29× | — | ||
| Q1 24 | 1.39× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
JILL
| Sales Channel Through Intermediary | $80.1M | 53% |
| Sales Channel Directly To Consumer | $70.5M | 47% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
