📊 DDT Key Takeaways
Investment Thesis
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.
DDT 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
DDT 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
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
DDT Financial Metrics
💡 AI Analyst Insight
Strong liquidity with a 2.19x current ratio provides a solid financial cushion.
DDT Profitability Ratios
DDT vs Consumer Sector
How DILLARD'S, INC. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
DDT Balance Sheet & Liquidity
DDT 5-Year Financial Trend
5-Year Trend Summary: DILLARD'S, INC.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $50.81 reflects profitable operations.
DDT Growth Metrics (YoY)
DDT Quarterly 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.
DDT Capital Allocation
DDT SEC Filings
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 an AI rating of BUY with 72% 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.
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.
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.