📊 DDT Key Takeaways
Is Dillard's, Inc.. (DDT) a Good Investment?
Dillard's demonstrates solid fundamental strength with healthy profitability margins (8.0% net, 10.4% operating) and strong cash generation ($432M free cash flow). The company maintains excellent financial health with low leverage (0.18x debt/equity), substantial liquidity (2.19x current ratio), and strong returns on equity (17.9%), though modest revenue growth of 1.7% YoY and declining diluted EPS suggest the business faces mature market headwinds.
Dillard's shows strong core fundamentals with double-digit operating margins, solid free cash flow generation, and a very conservative balance sheet supported by $1.15B in cash and low leverage. The business is financially healthy and efficiently run, but growth quality is mixed because revenue is only modestly rising while net income is flat and diluted EPS declined sharply year over year.
Why Buy Dillard's, Inc.. Stock? DDT Key Strengths
- Strong free cash flow generation at $432M with 9.4% FCF margin enables capital returns and debt reduction
- Excellent balance sheet with low leverage (0.18x debt/equity) and $1.1B cash providing financial flexibility
- Solid profitability metrics with 17.9% ROE and 8.5% ROA indicating efficient capital deployment
- Healthy liquidity position with 2.19x current ratio supporting operational stability
- Strong profitability with 40.7% gross margin, 10.4% operating margin, and 8.0% net margin
- Excellent financial health with a 2.19x current ratio, low 0.18x debt-to-equity, and substantial cash reserves
- Healthy cash generation with $505.86M in operating cash flow and $432.02M in free cash flow
DDT Stock Risks: Dillard's, Inc.. Investment Risks
- Flat net income growth (0.0% YoY) combined with 1.7% revenue growth signals limited organic expansion
- 17.7% decline in diluted EPS despite flat net income indicates share count reduction or earnings per share compression
- Retail sector headwinds and mature department store market facing secular decline from e-commerce competition
- High insider trading activity (34 Form 4 filings in 90 days) could signal insider selling or share buybacks masking underlying growth challenges
- Growth is limited, with revenue up only 1.7% and net income flat year over year
- Diluted EPS fell 17.7%, which may indicate weaker per-share earnings quality
- Department store retail is cyclical and vulnerable to shifts in consumer demand and margin pressure
Key Metrics to Watch
- Revenue growth trajectory and same-store sales trends
- Net income growth and gross margin sustainability
- Free cash flow consistency and capital allocation decisions
- Debt levels and any refinancing activity given rising interest rates
- Operating margin and gross margin trend
- Revenue growth versus diluted EPS trend
Dillard's, Inc.. (DDT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 2.19x current ratio provides a solid financial cushion.
DDT Profit Margin, ROE & Profitability Analysis
DDT vs Consumer Sector: How Dillard's, Inc.. Compares
How Dillard's, Inc.. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Dillard's, Inc.. Stock Overvalued? DDT Valuation Analysis 2026
Based on fundamental analysis, Dillard's, Inc.. has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Dillard's, Inc.. Balance Sheet: DDT Debt, Cash & Liquidity
DDT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Dillard's, Inc..'s revenue has remained relatively flat over the 5-year period, with a 2% decline. The most recent EPS of $44.73 reflects profitable operations.
DDT Revenue Growth, EPS Growth & YoY Performance
DDT Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.4B | $124.6M | $7.73 |
| Q2 2025 | $1.5B | $72.8M | $4.59 |
| Q1 2025 | $1.5B | $163.8M | $10.39 |
| Q3 2024 | $1.4B | $124.6M | $7.73 |
| Q2 2024 | $1.5B | $74.5M | $4.59 |
| Q1 2024 | $1.5B | $180.0M | $11.09 |
| Q3 2023 | $1.5B | $155.3M | $9.49 |
| Q2 2023 | $1.6B | $131.5M | $7.98 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Dillard's, Inc.. Dividends, Buybacks & Capital Allocation
DDT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Dillard's, Inc.. (CIK: 0000028917)
📋 Recent SEC Filings
❓ Frequently Asked Questions about DDT
What is the AI rating for DDT?
Dillard's, Inc.. (DDT) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 74% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are DDT's key strengths?
Claude: Strong free cash flow generation at $432M with 9.4% FCF margin enables capital returns and debt reduction. Excellent balance sheet with low leverage (0.18x debt/equity) and $1.1B cash providing financial flexibility. ChatGPT: Strong profitability with 40.7% gross margin, 10.4% operating margin, and 8.0% net margin. Excellent financial health with a 2.19x current ratio, low 0.18x debt-to-equity, and substantial cash reserves.
What are the risks of investing in DDT?
Claude: Flat net income growth (0.0% YoY) combined with 1.7% revenue growth signals limited organic expansion. 17.7% decline in diluted EPS despite flat net income indicates share count reduction or earnings per share compression. ChatGPT: Growth is limited, with revenue up only 1.7% and net income flat year over year. Diluted EPS fell 17.7%, which may indicate weaker per-share earnings quality.
What is DDT's revenue and growth?
Dillard's, Inc.. reported revenue of $4.6B.
Does DDT pay dividends?
Dillard's, Inc.. pays dividends, with $11.8M distributed to shareholders in the trailing twelve months.
Where can I find DDT SEC filings?
Official SEC filings for Dillard's, Inc.. (CIK: 0000028917) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is DDT's EPS?
Dillard's, Inc.. has a diluted EPS of $23.39.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is DDT a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Dillard's, Inc.. has a BUY rating with 74% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is DDT stock overvalued or undervalued?
Valuation metrics for DDT: ROE of 17.9% (sector avg: 18%), net margin of 8.0% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.
Should I buy DDT stock in 2026?
Our dual AI analysis gives Dillard's, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is DDT's free cash flow?
Dillard's, Inc..'s operating cash flow is $505.9M, with capital expenditures of $73.8M. FCF margin is 9.4%.
How does DDT compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 8.0% (avg: 8%), ROE 17.9% (avg: 18%), current ratio 2.19 (avg: 1.5).