Dillards Inc. (DDS) Stock Analysis
Market Closed
Sector: Consumer Cyclical · Industry: Retail-Department Stores
AnalystsSell11 analystsWhat's happening with DDS
Price History
5-Year Weekly Candlestick Chart
Profile
Strong financial health, earnings quality and profitability; growth lags behind.
How is each axis scored?
- Valuation55/100 · Moderate
- P/E vs own history (95th pct)0/25
- FCF yield (7.4%)20/25
- P/S (1.5x)25/25
- EV/EBIT (n/a)10/25
- Growth20/100 · Weak
- Revenue CAGR (10.3%)20/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (-4.5%)0/25
- Profitability75/100 · Strong
- ROIC (86.3%)25/25
- ROE (32.4%)25/25
- Net margin (9.9%)13/25
- Operating margin (14.3%)12/25
- Financial Health100/100 · Strong
- Altman Z (6.22)25/25
- Current ratio (2.37)25/25
- Interest coverage (37.3x)25/25
- Net cash / debt (Net cash)25/25
- Quality80/100 · Strong
- Piotroski F (4/9)10/25
- Beneish M (-2.62)25/25
- FCF conversion (115%)25/25
- Margin stability (σ 7.9%)20/25
About Dillards Inc.
Dillard's Inc is an American fashion apparel, cosmetics, and home furnishings retailer. Show more
It operates Dillard's stores, clearance centers, and an Internet store at dillards.com, offering a wide selection of merchandise, including fashion apparel for women, men, and children, accessories, cosmetics, home furnishings, and other consumer goods. The merchandise selections include exclusive brand merchandise such as Antonio Melani, Gianni Bini, Daniel Cremieux, Roundtree & Yorke, and private-label merchandise, among others. The company also operates a general contracting construction company, which is involved in constructing and remodelling stores for Dillard's. It operates in two business segments: Retail Operations, which generates the maximum revenue, and Construction.
Headquarters: LITTLE ROCK, AR · Employees: 29,100 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- BuyGrant / award · filed 2026-08-26+7 sh2026-08-24
- BuyGrant / award · filed 2026-08-26+7 sh2026-08-24
- BuyGrant / award · filed 2026-08-26+11 sh2026-08-24
- BuyGrant / award · filed 2026-08-26+12 sh2026-08-24
- BuyGrant / award · filed 2026-08-26+10 sh2026-08-24
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
55CP/E (TTM)15.5xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 3.8x–18.4x · 95th pct
P/FCF13.3xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield7.4%A
Grade A: ValueTTM FCF / Market Cap — vs own 5Y history: 5.9%–33.9% · 8th pct
P/S (TTM)1.54xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.5x–1.7x · 98th pct
EV/EBITDA9.8xA
Grade A: CheapEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales1.5xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E16.2xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio5.02xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.72A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.83%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio85.0%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
75B+ROIC86.3%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE32.4%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA17.4%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin9.9%C
Grade C: AverageNet Income / Revenue
Operating Margin14.3%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin40.5%C
Grade C: AverageGross Profit / Revenue
FCF Margin11.4%C
Grade C: AverageFCF / Revenue
True FCF Margin11.4%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
100A+Altman Z-Score6.22A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio2.37xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio1.31xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage37.3xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.29xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
20ERevenue CAGR10.3%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-4.5%D
Grade D: Decl.Implied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Quality
1/9 Loss Years80APiotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.62A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion114.9%A
Grade A: StrongFCF / Net Income
Margin Stability7.9%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue1.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover1.87xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$42.06
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$68.70
Cash & short-term investments per share (Finnhub)
Book Value / Share$113.91
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$1.16B
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$2.03B
Shareholders' equity (book value)
Asset / Liability1.96xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$10.16B
Current Market Capitalization
Beta1.06B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Neutral
Company is effectively debt-free after netting cash. · Current P/E of 15.5x sits at the 95th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of May 2026 · Ratio snapshot Sep 23, 2026
Key Insights: Dillards Inc. (DDS)
Composite verdict for Dillards Inc.: Neutral. Piotroski F-Score of 4/9 indicates mixed fundamentals for Dillards Inc.. Altman Z-Score of 6.22 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.62 suggests a low likelihood of earnings manipulation.
- Company is effectively debt-free after netting cash.
- Dillards Inc. posted a net loss in 1 of 9 available completed fiscal years (2016–2025).
- Return on equity of 32.4% is well above the market average.
- The stock currently yields 4.8% in dividends.
See how DDS ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for DDS in the last 30 days.
See DDS move history →Frequently Asked Questions about DDS
Is DDS stock a buy right now?
PreMarketPrice's quantitative model rates Dillards Inc.'s financial health at 100/100 — Neutral. This is a data-driven snapshot of fundamentals, not investment advice.
Is DDS stock overvalued?
Dillards Inc. trades at a trailing P/E of 15.5 and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Dillards Inc. report earnings?
No confirmed earnings date is currently scheduled for DDS. The Earnings section lists recent reports and updates as dates are announced.
What sector does Dillards Inc. operate in?
Dillards Inc. operates in the Consumer Cyclical sector, within the Retail-Department Stores industry. The Related Stocks section lists sector peers for comparison.
What does Dillards Inc. do?
Dillard's Inc is an American fashion apparel, cosmetics, and home furnishings retailer.
About Dillards Inc. (DDS) Stock
Dillards Inc. (DDS) is a US-listed stock operating in the Consumer Cyclical sector, specifically the Retail-Department Stores industry. Real-time pricing data for Dillards Inc. is available on this page with a market capitalization of $10.2 billion. The financial health score for DDS is 100/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for DDS stock.
DDS Stock Analysis & Key Metrics
On PreMarketPrice, you can track Dillards Inc. (DDS) across multiple dimensions:
- Pre-market price & movement: Real-time DDS stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for DDS with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Dillards Inc. across multiple reporting periods.
- Financial health score: A composite score of 100/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for DDS.
- Sector peers: Compare DDS against 10 other consumer cyclical stocks on key financial metrics.
Is DDS a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Dillards Inc. (DDS) as an investment. The financial health score of 100/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Dillards Inc. (DDS) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.