WallStSmart

J.Jill Inc (JILL)vsSea Ltd (SE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sea Ltd generates 4123% more annual revenue ($25.19B vs $596.55M). SE leads profitability with a 6.4% profit margin vs 4.7%. JILL appears more attractively valued with a PEG of 0.63. SE earns a higher WallStSmart Score of 58/100 (C).

JILL

Buy

54

out of 100

Grade: C-

Growth: 2.0Profit: 5.5Value: 6.7Quality: 4.5
Piotroski: 2/9Altman Z: 1.60

SE

Buy

58

out of 100

Grade: C

Growth: 8.0Profit: 5.5Value: 6.7Quality: 7.3
Piotroski: 6/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JILLSignificantly Overvalued (-55.8%)

Margin of Safety

-55.8%

Fair Value

$10.44

Current Price

$13.07

$2.63 premium

UndervaluedFair: $10.44Overvalued
SEUndervalued (+53.1%)

Margin of Safety

+53.1%

Fair Value

$243.96

Current Price

$86.56

$157.40 discount

UndervaluedFair: $243.96Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JILL4 strengths · Avg: 8.8/10
P/E RatioValuation
7.2x10/10

Attractively priced relative to earnings

Return on EquityProfitability
23.0%9/10

Every $100 of equity generates 23 in profit

PEG RatioValuation
0.638/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

SE3 strengths · Avg: 9.3/10
Revenue GrowthGrowth
46.6%10/10

Revenue surging 46.6% year-over-year

Market CapQuality
$57.05B9/10

Large-cap with strong market position

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Areas to Watch

JILL4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.604/10

Distress zone — elevated risk

Market CapQuality
$194.97M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.7%3/10

4.7% margin — thin

Operating MarginProfitability
0.6%3/10

Operating margin of 0.6%

SE4 concerns · Avg: 3.3/10
P/E RatioValuation
36.7x4/10

Premium valuation, high expectations priced in

EPS GrowthGrowth
3.1%4/10

3.1% earnings growth

Profit MarginProfitability
6.4%3/10

6.4% margin — thin

Free Cash FlowQuality
$02/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull 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 : SE

The strongest argument for SE centers on Revenue Growth, Market Cap, Debt/Equity. Revenue growth of 46.6% demonstrates continued momentum. PEG of 1.36 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 : SE

The primary concerns for SE are P/E Ratio, EPS Growth, Profit Margin.

Key Dynamics to Monitor

JILL profiles as a value stock while SE is a hypergrowth play — different risk/reward profiles.

SE carries more volatility with a beta of 1.57 — expect wider price swings.

SE is growing revenue faster at 46.6% — sustainability is the question.

Monitor APPAREL RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SE scores higher overall (58/100 vs 54/100) and 46.6% 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.

Sea Ltd

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.

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