Stock Analysis
Dillards Inc.DDS
P/E 18.17×· 5Y range 3.80–18.40×· top 1% of history
Sector: Consumer Cyclical · Industry: Retail-Department Stores
AnalystsSell11 analystsP/E 18.2× sits at the 99th percentile of its 5.062286105407256-year history.
Cash covers 276% of debt · Q2 2027.
PMP Verdict
Mixed fundamentals, expensive valuation
Strengths
- Financial Health100
- Quality80
Risks
- Valuation65
- Growth0
Mixed fundamentals at a demanding price.
Bull Case
- ✓Altman Z 8.0 — safe-zone balance sheet
- ✓ROE 26.9% — efficient capital deployment
- ✓Interest coverage 66.5× — debt well covered
What's happening with DDS
Profile
Strong financial health, earnings quality and profitability; growth lags behind.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (99th pct)0/25
- FCF yield (6.0%)20/25
- P/S (1.6x)25/25
- EV/EBIT (14.1x)20/25
- Growth0/100 · Weak
- Revenue CAGR (-1.6%)0/25
- Net income CAGR (-10.6%)0/25
- EPS CAGR 5Y (-8.0%)0/25
- Fwd implied growth (-2.3%)0/25
- Profitability75/100 · Strong
- ROIC (40.6%)25/25
- ROE (26.9%)25/25
- Net margin (8.7%)13/25
- Operating margin (10.3%)12/25
- Financial Health100/100 · Strong
- Altman Z (7.97)25/25
- Current ratio (3.03)25/25
- Interest coverage (66.5x)25/25
- Net cash / debt (Net cash)25/25
- Quality80/100 · Strong
- Piotroski F (4/9)10/25
- Beneish M (-3.04)25/25
- FCF conversion (109%)25/25
- Margin stability (σ 7.3%)20/25
- Moat68/100 · Moderate
- ROIC >12% years (10/11 yrs)25/25
- Median gross margin (40.3%)13/25
- FCF-positive years (11/11 yrs)25/25
- Worst-year net margin (worst -1.6%)5/25
Risk Flags
- ⚠Revenue shrinking 1.6%/yr
- ⚠P/E 18.2× at top 1% of 5-year history
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
65BP/E (TTM)18.1xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 3.8x–18.4x · highest in history
P/FCF13.7xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.0%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 5.8%–33.9% · lowest in history
P/S (TTM)1.58xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.5x–1.7x · 99th pct
EV/EBIT14.1xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 11.5x–14.9x · 91st pct
EV/Sales1.5xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E18.6xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio4.88xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.75A
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 Yield4.72%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio71.3%C
Grade C: HighDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
75B+ROIC40.6%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE26.9%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 Margin8.7%C
Grade C: AverageNet Income / Revenue
Operating Margin10.3%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin39.8%C
Grade C: AverageGross Profit / Revenue
FCF Margin9.5%C
Grade C: AverageFCF / Revenue
True FCF Margin9.5%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
0ERevenue CAGR-1.6%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-10.6%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-8.0%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-2.3%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-13.1%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
100A+Altman Z-Score7.97A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio3.03xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio1.58xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage66.5xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.22xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt2.76xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
80APiotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-3.04A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion109.4%A
Grade A: StrongFCF / Net Income
Margin Stability7.3%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 Turnover1.68xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Lucie Denise Alexandra Filed | Lucie Denise Alexandra | Grant / award | +8 | |
Jazic Annemarie Filed | Jazic Annemarie | Grant / award | +8 | |
STOCKMAN JAMES D Filed | STOCKMAN JAMES D | Grant / award | +13 | |
LITCHFORD MIKE Filed | LITCHFORD MIKE | Grant / award | +14 | |
BOLIN TOM W Filed | BOLIN TOM W | Grant / award | +12 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Worley Dean L. Filed | Worley Dean L. | Grant / award | +9 | |
Johnson Chris B. Filed | Johnson Chris B. | Gift | -100 | |
Johnson Chris B. Filed | Johnson Chris B. | Grant / award | +12 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
68BROIC >12% Years10/11 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)40.3%C
Grade C: ModerateMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years11/11 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-1.6%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$36.50
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$80.72
Cash & short-term investments per share (Finnhub)
Book Value / Share$135.77
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$456.83M
Total debt obligations (short + long term)
Cash & Equiv.$1.26B
Cash and short-term investments
Net Debt$-803.94MA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$2.12B
Shareholders' equity (book value)
Asset / Liability2.30xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$10.35B
Current Market Capitalization
Beta1.07B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Aug 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Dillards Inc. (DDS)
DDS is down 0.61% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for Dillards Inc.. Altman Z-Score of 7.97 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -3.04 suggests a low likelihood of earnings manipulation. Revenue has been contracting (CAGR ≈ -2%), which weighs on the growth outlook.
- Company is effectively debt-free after netting cash.
- Dillards Inc. posted a net loss in 1 of 10 available completed fiscal years (2017–2026).
- Return on equity of 26.9% is well above the market average.
- The stock currently yields 4.7% in dividends.
See how DDS ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all DDS moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 6 | Regular | 665.80 | -4.25% | -2.05 |
| Oct 6 | After-hours | 647.00 | -6.95% | -3.28 |
| Oct 5 | After-hours | 683.72 | +4.53% | 2.32 |
Frequently Asked Questions about DDS
What is the current Dillards Inc. (DDS) stock price?
DDS is trading at $663.26 at the last market close, down 0.61% on the session. PreMarketPrice tracks DDS pre-market, intraday and after-hours prices.
Is DDS stock a buy right now?
PreMarketPrice's quantitative model rates Dillards Inc.'s financial health at 100/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is DDS stock overvalued?
Dillards Inc. trades at a trailing P/E of 18.1 and our valuation score rates it 65/100 (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. As of the latest update, Dillards Inc. is trading at $663.26, down 0.61% on the day with a market capitalization of $10.3 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 6 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.