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Duluth Holdings Inc.. (DLTH) Stock Fundamental Analysis & AI Rating 2026

DLTH Nasdaq Retail-Apparel & Accessory Stores CIK: 0001649744
Updated This Month • Analysis: Mar 23, 2026 • SEC Data: 2026-02-01
Combined AI Rating
SELL
78% Confidence
STRONG AGREEMENT
SELL
78% Conf
SELL
77% Conf

📊 DLTH Key Takeaways

Revenue: $565.2M
Net Margin: -2.9%
Free Cash Flow: $16.6M
Current Ratio: 1.59x
Debt/Equity: 0.17x
EPS: $-0.47
AI Rating: SELL with 78% confidence
Duluth Holdings Inc.. (DLTH) receives a SELL rating with 78% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $565.2M, net profit margin of -2.9%, and return on equity (ROE) of -9.7%, Duluth Holdings Inc.. demonstrates mixed fundamentals in the Consumer sector. Below is our complete DLTH stock analysis for 2026.

Is Duluth Holdings Inc.. (DLTH) a Good Investment?

Claude

Duluth Holdings faces fundamental profitability challenges with negative operating and net margins despite solid gross margins of 53.4%, indicating operational inefficiency and cost control issues. The company is currently unprofitable with negative returns on equity and assets, though it maintains adequate liquidity (1.59x current ratio) and positive free cash flow of $16.6M, suggesting near-term solvency is not immediately threatened but turnaround execution is uncertain.

ChatGPT

Duluth Holdings shows weak fundamental performance, with flat revenue and continued operating and net losses despite a still-solid gross margin. The balance sheet is not overleveraged and free cash flow is positive, but profitability remains structurally weak and interest coverage is negative, which limits financial flexibility if operating performance does not improve.

Why Buy Duluth Holdings Inc.. Stock? DLTH Key Strengths

Claude
  • + Strong gross margin of 53.4% demonstrates pricing power and product quality perception
  • + Positive free cash flow of $16.6M (2.9% FCF margin) provides liquidity cushion despite operating losses
  • + Adequate liquidity with current ratio of 1.59x and low debt/equity of 0.17x reduces near-term financial distress risk
  • + Reasonable absolute asset base of $402.6M with 42% equity financing provides operational foundation
ChatGPT
  • + Gross margin remains relatively strong at 53.4%
  • + Positive operating cash flow and free cash flow indicate the business still generates cash
  • + Low debt burden with debt-to-equity of 0.17x supports balance sheet stability

DLTH Stock Risks: Duluth Holdings Inc.. Investment Risks

Claude
  • ! Operating losses of $10.2M and negative operating margin of -1.8% indicate operational expenses exceed contribution margins
  • ! Net margin of -2.9% with diluted EPS of -$0.47 shows company is destroying shareholder value
  • ! Flat revenue growth (0.0% YoY) combined with profitability deterioration signals demand weakness or market saturation in retail apparel
  • ! Negative interest coverage of -2.0x indicates insufficient operating cash generation to service debt obligations
  • ! Quick ratio of 0.38x significantly below current ratio suggests reliance on inventory liquidation for short-term liquidity
ChatGPT
  • ! Revenue is stagnant, suggesting limited growth momentum
  • ! Negative operating margin, net margin, ROE, and ROA point to poor earnings quality
  • ! Negative interest coverage and low quick ratio indicate weaker near-term cushion if conditions worsen

Key Metrics to Watch

Claude
  • * Operating margin trend - critical to achieving profitability; target >2% to signal cost control improvements
  • * Revenue growth acceleration - must return to positive growth to stabilize market position in competitive retail sector
  • * Inventory turnover and working capital management - high quick ratio gap suggests potential inventory obsolescence risk
  • * Operating cash flow sustainability - must maintain positive OCF >$20M to fund operations and debt service
  • * Insider trading activity patterns - 13 Form 4 filings warrant monitoring for directional sentiment on company outlook
ChatGPT
  • * Operating margin improvement
  • * Revenue growth with sustained free cash flow generation

Duluth Holdings Inc.. (DLTH) Financial Metrics & Key Ratios

Revenue
$565.2M
Net Income
$-16.4M
EPS (Diluted)
$-0.47
Free Cash Flow
$16.6M
Total Assets
$402.6M
Cash Position
$16.3M

💡 AI Analyst Insight

The relatively thin 2.9% FCF margin may limit capital allocation flexibility.

DLTH Profit Margin, ROE & Profitability Analysis

Gross Margin 53.4%
Operating Margin -1.8%
Net Margin -2.9%
ROE -9.7%
ROA -4.1%
FCF Margin 2.9%

DLTH vs Consumer Sector: How Duluth Holdings Inc.. Compares

How Duluth Holdings Inc.. compares to Consumer sector averages

Net Margin
DLTH -2.9%
vs
Sector Avg 8.0%
DLTH Sector
ROE
DLTH -9.7%
vs
Sector Avg 18.0%
DLTH Sector
Current Ratio
DLTH 1.6x
vs
Sector Avg 1.5x
DLTH Sector
Debt/Equity
DLTH 0.2x
vs
Sector Avg 0.8x
DLTH Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Duluth Holdings Inc.. Stock Overvalued? DLTH Valuation Analysis 2026

Based on fundamental analysis, Duluth Holdings Inc.. has mixed fundamental signals relative to the Consumer sector in 2026.

Return on Equity
-9.7%
Sector avg: 18%
Net Profit Margin
-2.9%
Sector avg: 8%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.17x
Sector avg: 0.8x

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.

Duluth Holdings Inc.. Balance Sheet: DLTH Debt, Cash & Liquidity

Current Ratio
1.59x
Quick Ratio
0.38x
Debt/Equity
0.17x
Debt/Assets
58.7%
Interest Coverage
-1.95x
Long-term Debt
$28.3M

DLTH Revenue & Earnings Growth: 5-Year Financial Trend

DLTH 5-year financial data: Year 2021: Revenue $698.6M, Net Income -$7.6M, EPS $-0.23. Year 2022: Revenue $698.6M, Net Income $29.7M, EPS $0.90. Year 2023: Revenue $653.3M, Net Income $2.3M, EPS $0.07. Year 2024: Revenue $646.7M, Net Income -$9.9M, EPS $-0.30. Year 2026: Revenue $626.6M, Net Income -$43.7M, EPS $-1.31.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Duluth Holdings Inc..'s revenue has declined by 10% over the 5-year period, indicating business contraction. The most recent EPS of $-1.31 indicates the company is currently unprofitable.

DLTH Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
2.9%
Free cash flow / Revenue

DLTH Quarterly Earnings & Performance

Quarterly financial performance data for Duluth Holdings Inc.. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2025 $114.9M -$10.1M $-0.29
Q2 2025 $131.7M $1.3M $0.04
Q1 2025 $102.7M -$3.9M $-0.12
Q3 2024 $127.1M -$5.1M $-0.16
Q2 2024 $139.1M $1.1M $0.03
Q1 2024 $122.9M -$1.3M $-0.04
Q3 2023 $145.3M $2.8M $0.09
Q2 2023 $141.5M $1.1M $0.03

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Duluth Holdings Inc.. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$24.2M
Cash generated from operations
Capital Expenditures
$7.6M
Investment in assets
Dividends
None
No dividend program

DLTH SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Duluth Holdings Inc.. (CIK: 0001649744)

📋 Recent SEC Filings

Date Form Document Action
Apr 10, 2026 4 xslF345X06/form4.xml View →
Apr 10, 2026 4 xslF345X06/form4.xml View →
Apr 10, 2026 4 xslF345X06/form4.xml View →
Apr 7, 2026 4 xslF345X06/form4.xml View →
Apr 7, 2026 4 xslF345X06/form4.xml View →

Frequently Asked Questions about DLTH

What is the AI rating for DLTH?

Duluth Holdings Inc.. (DLTH) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are DLTH's key strengths?

Claude: Strong gross margin of 53.4% demonstrates pricing power and product quality perception. Positive free cash flow of $16.6M (2.9% FCF margin) provides liquidity cushion despite operating losses. ChatGPT: Gross margin remains relatively strong at 53.4%. Positive operating cash flow and free cash flow indicate the business still generates cash.

What are the risks of investing in DLTH?

Claude: Operating losses of $10.2M and negative operating margin of -1.8% indicate operational expenses exceed contribution margins. Net margin of -2.9% with diluted EPS of -$0.47 shows company is destroying shareholder value. ChatGPT: Revenue is stagnant, suggesting limited growth momentum. Negative operating margin, net margin, ROE, and ROA point to poor earnings quality.

What is DLTH's revenue and growth?

Duluth Holdings Inc.. reported revenue of $565.2M.

Does DLTH pay dividends?

Duluth Holdings Inc.. does not currently pay dividends.

Where can I find DLTH SEC filings?

Official SEC filings for Duluth Holdings Inc.. (CIK: 0001649744) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is DLTH's EPS?

Duluth Holdings Inc.. has a diluted EPS of $-0.47.

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 DLTH a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Duluth Holdings Inc.. has a SELL rating with 78% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is DLTH stock overvalued or undervalued?

Valuation metrics for DLTH: ROE of -9.7% (sector avg: 18%), net margin of -2.9% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.

Should I buy DLTH stock in 2026?

Our dual AI analysis gives Duluth Holdings Inc.. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.

What is DLTH's free cash flow?

Duluth Holdings Inc..'s operating cash flow is $24.2M, with capital expenditures of $7.6M. FCF margin is 2.9%.

How does DLTH compare to other Consumer stocks?

Vs Consumer sector averages: Net margin -2.9% (avg: 8%), ROE -9.7% (avg: 18%), current ratio 1.59 (avg: 1.5).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 23, 2026 | Data as of: 2026-02-01 | Powered by Claude AI