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Side-by-side financial comparison of J.Jill, Inc. (JILL) and Upstart Holdings, Inc. (UPST). Click either name above to swap in a different company.
Upstart Holdings, Inc. is the larger business by last-quarter revenue ($296.1M vs $150.5M, roughly 2.0× J.Jill, Inc.). Upstart Holdings, Inc. runs the higher net margin — 6.3% vs 6.1%, a 0.2% gap on every dollar of revenue. On growth, Upstart Holdings, Inc. posted the faster year-over-year revenue change (35.2% vs -0.5%). Upstart Holdings, Inc. produced more free cash flow last quarter ($108.4M vs $16.0M). Over the past eight quarters, Upstart Holdings, Inc.'s revenue compounded faster (52.2% CAGR vs 0.1%).
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.
Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness.
JILL vs UPST — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $150.5M | $296.1M |
| Net Profit | $9.2M | $18.6M |
| Gross Margin | 70.9% | — |
| Operating Margin | 9.9% | 6.4% |
| Net Margin | 6.1% | 6.3% |
| Revenue YoY | -0.5% | 35.2% |
| Net Profit YoY | -25.5% | 776.4% |
| EPS (diluted) | $0.60 | $0.20 |
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 | $296.1M | ||
| Q3 25 | $154.0M | $277.1M | ||
| Q2 25 | $153.6M | $257.3M | ||
| Q1 25 | $142.8M | $213.4M | ||
| Q4 24 | $151.3M | $219.0M | ||
| Q3 24 | $155.2M | $162.1M | ||
| Q2 24 | $161.5M | $127.6M | ||
| Q1 24 | $150.3M | $127.8M |
| Q4 25 | $9.2M | $18.6M | ||
| Q3 25 | $10.5M | $31.8M | ||
| Q2 25 | $11.7M | $5.6M | ||
| Q1 25 | $2.2M | $-2.4M | ||
| Q4 24 | $12.3M | $-2.8M | ||
| Q3 24 | $8.2M | $-6.8M | ||
| Q2 24 | $16.7M | $-54.5M | ||
| Q1 24 | $4.8M | $-64.6M |
| 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 | 9.9% | 6.4% | ||
| Q3 25 | 10.9% | 8.5% | ||
| Q2 25 | 12.4% | 1.8% | ||
| Q1 25 | 3.6% | -2.1% | ||
| Q4 24 | 12.7% | -2.2% | ||
| Q3 24 | 14.8% | -27.8% | ||
| Q2 24 | 17.6% | -43.5% | ||
| Q1 24 | 7.0% | -52.8% |
| Q4 25 | 6.1% | 6.3% | ||
| Q3 25 | 6.8% | 11.5% | ||
| Q2 25 | 7.6% | 2.2% | ||
| Q1 25 | 1.6% | -1.1% | ||
| Q4 24 | 8.2% | -1.3% | ||
| Q3 24 | 5.3% | -4.2% | ||
| Q2 24 | 10.3% | -42.7% | ||
| Q1 24 | 3.2% | -50.5% |
| Q4 25 | $0.60 | $0.20 | ||
| Q3 25 | $0.69 | $0.23 | ||
| Q2 25 | $0.76 | $0.05 | ||
| Q1 25 | $0.11 | $-0.03 | ||
| Q4 24 | $0.80 | $-0.01 | ||
| Q3 24 | $0.54 | $-0.07 | ||
| Q2 24 | $1.16 | $-0.62 | ||
| Q1 24 | $0.33 | $-0.74 |
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 | $652.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $129.0M | $798.8M |
| Total Assets | $458.0M | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $58.0M | $652.4M | ||
| Q3 25 | $45.5M | $489.8M | ||
| Q2 25 | $31.2M | $395.9M | ||
| Q1 25 | $35.4M | $599.8M | ||
| Q4 24 | $38.8M | $788.4M | ||
| Q3 24 | $28.5M | — | ||
| Q2 24 | $77.1M | — | ||
| Q1 24 | $62.2M | — |
| Q4 25 | $129.0M | $798.8M | ||
| Q3 25 | $121.5M | $743.7M | ||
| Q2 25 | $112.0M | $722.0M | ||
| Q1 25 | $105.8M | $676.6M | ||
| Q4 24 | $103.3M | $633.2M | ||
| Q3 24 | $90.4M | $595.5M | ||
| Q2 24 | $53.1M | $594.7M | ||
| Q1 24 | $37.2M | $612.8M |
| Q4 25 | $458.0M | $3.0B | ||
| Q3 25 | $436.5M | $2.9B | ||
| Q2 25 | $432.9M | $2.5B | ||
| Q1 25 | $417.7M | $2.3B | ||
| Q4 24 | $418.3M | $2.4B | ||
| Q3 24 | $390.8M | $1.8B | ||
| Q2 24 | $443.9M | $1.8B | ||
| Q1 24 | $428.2M | $1.9B |
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 | $108.6M |
| Free Cash FlowOCF − Capex | $16.0M | $108.4M |
| FCF MarginFCF / Revenue | 10.6% | 36.6% |
| Capex IntensityCapex / Revenue | 2.0% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.07× | 5.82× |
| TTM Free Cash FlowTrailing 4 quarters | $37.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $19.1M | $108.6M | ||
| Q3 25 | $19.4M | $-122.6M | ||
| Q2 25 | $5.3M | $-120.2M | ||
| Q1 25 | $8.1M | $-13.5M | ||
| Q4 24 | $19.1M | $-110.9M | ||
| Q3 24 | $16.4M | $179.3M | ||
| Q2 24 | $21.5M | $65.3M | ||
| Q1 24 | $6.6M | $52.6M |
| Q4 25 | $16.0M | $108.4M | ||
| Q3 25 | $17.1M | $-122.7M | ||
| Q2 25 | $3.1M | $-120.3M | ||
| Q1 25 | $1.4M | — | ||
| Q4 24 | $14.6M | — | ||
| Q3 24 | $15.0M | $179.2M | ||
| Q2 24 | $19.8M | $65.3M | ||
| Q1 24 | $1.8M | $51.9M |
| Q4 25 | 10.6% | 36.6% | ||
| Q3 25 | 11.1% | -44.3% | ||
| Q2 25 | 2.0% | -46.7% | ||
| Q1 25 | 1.0% | — | ||
| Q4 24 | 9.7% | — | ||
| Q3 24 | 9.6% | 110.5% | ||
| Q2 24 | 12.2% | 51.1% | ||
| Q1 24 | 1.2% | 40.6% |
| Q4 25 | 2.0% | 0.1% | ||
| Q3 25 | 1.5% | 0.0% | ||
| Q2 25 | 1.5% | 0.0% | ||
| Q1 25 | 4.7% | 0.0% | ||
| Q4 24 | 2.9% | 0.0% | ||
| Q3 24 | 0.9% | 0.1% | ||
| Q2 24 | 1.1% | 0.0% | ||
| Q1 24 | 3.2% | 0.5% |
| Q4 25 | 2.07× | 5.82× | ||
| Q3 25 | 1.84× | -3.86× | ||
| Q2 25 | 0.46× | -21.43× | ||
| Q1 25 | 3.60× | — | ||
| Q4 24 | 1.54× | — | ||
| Q3 24 | 2.00× | — | ||
| 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% |
UPST
| Personal Lending Segment | $201.4M | 68% |
| Servicing Fees Net | $39.5M | 13% |
| Servicing Fees | $27.5M | 9% |
| Other | $15.7M | 5% |
| Borrower Fees | $8.4M | 3% |
| Collection Agency Fees | $3.5M | 1% |
