DDS Consumer Cyclical

Dillard's, Inc.

$607.62-5.96%

Price as of close on Nov 3, 2026 · Financials updated Oct 8, 2026

Basics

Sector: Consumer Cyclical
Industry: Department Stores
Country: United States
Market cap: 9.5B USD
Enterprise value: 8.8B USD

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Strength: lower risk than most peers: more short-term liquidity and less debt relative to equitylower risk: more liquidity and less debt vs equity
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its share price swings more than most peers’ (beta 1.16 vs a peer median of 0.63)bigger price swings (beta 1.16 vs peers 0.63)

Ranks #288 of 1,502 consumer cyclical companies (top 20%)

See how it ranks against its peers

Worth knowing

Annual revenue fell three years running. Fiscal-year revenue down each year from FY Jan 2023 to FY Jan 2026.
Dillard's's fiscal-year revenue declined in each of the three years to FY Jan 2026.
Profit is backed by cash. Free cash flow is 93% of reported profit.
Dillard's's free cash flow is 93% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.

StockQuotient Score

66/ 100▲ 1 since Oct 27 close

Oct 5 64 → Nov 4 66 (+2)

Valuation

Is the price right?

60/100

Moderate▲ 6 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 54 → 60

Share price -8.7%+5
Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Earnings yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield7.2%

SEC filings · 12 months to Aug 2026Reported value30% base weight · Z-score 0.85Sector median: 0.0439 · MAD: 0.0329

EBITDA yield9.7%

Yahoo Finance fallback · SEC enterprise value unavailable (debt or EBITDA not reported in standard form) · trailing 12 monthsReported value50% base weight · Z-score 0.21Sector median: 0.0877 · MAD: 0.0461

Free cash flow yield6.7%

SEC filings · 12 months to Aug 2026 · operating cash flow − capital spendingReported value20% base weight · Z-score 0.10Sector median: 0.0614 · MAD: 0.0545

Other data (not scored)

Book yield22.3%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.5650 · MAD: 0.3500

Growth

Is it growing?

39/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ 3-yr revenue
▼ Revenue growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth18.5%

SEC filings · 12 months to Aug 2026Reported value33% base weight · Z-score 0.56Sector median: 0.0420 · MAD: 0.2537

3-year revenue growth-1.7%

SEC filings · 3 years to Aug 2026Reported value33% base weight · Z-score -0.94Sector median: 0.0425 · MAD: 0.0636

Revenue growth0.2%

SEC filings · 12 months to Aug 2026Reported value33% base weight · Z-score -0.54Sector median: 0.0373 · MAD: 0.0653

Profitability

Does it earn well?

94/100

Strong

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA
▲ ROIC
▲ Operating margin

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin10.5%

Yahoo Finance fallback · SEC operating income not reported in standard form · fiscal year to Jan 2026Reported value33% base weight · Z-score 0.89Sector median: 0.0638 · MAD: 0.0461

Return on assets18.2%

SEC filings · 12 months to Aug 2026Outlier capped at sector 5th/95th percentile33% base weight · Z-score 4.06Sector median: 0.0331 · MAD: 0.0254

Return on invested capital36.8%

Yahoo Finance fallback · SEC operating income or invested capital unavailable · trailing 12 monthsReported value33% base weight · Z-score 4.91Sector median: 0.0733 · MAD: 0.0600

Other data (not scored)

Gross margin39.8%

SEC filings · 12 months to Aug 2026Reported valueInformational · 0% composite weightSector median: 0.3025 · MAD: 0.1399

Return on equity32.1%

SEC filings · 12 months to Aug 2026Reported valueInformational · 0% composite weightSector median: 0.0746 · MAD: 0.0674

Risk

Debt, liquidity, price swings

Lower

Lower relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Safety percentile 71 → 72

Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Current ratio
▲ Debt / equity

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta1.16

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.75Sector median: 0.6345 · MAD: 0.2980

Current ratio3.03×

SEC filings · latest balance sheetReported value33% base weight · Z-score 2.79Sector median: 1.4800 · MAD: 0.5570

Debt / equity0.22×

Yahoo Finance fallback · no standard SEC debt tagReported value33% base weight · Z-score 0.70Sector median: 0.4646 · MAD: 0.3556

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Dillard's

Is Dillard's getting weaker?: Its latest SEC filing (Sep 4, 2026) showed no major changes. Its overall score is 66/100, up 1 since Oct 28, 2026.
How is Dillard's valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 60/100 against 1,612 consumer cyclical peers. Earnings yield 7.2% vs a peer median of 4.4% (stronger than 74% of peers).Earnings yield 7.2% vs peers 4.4% (stronger than 74% of peers).
Is Dillard's growing?: More slowly than most of its peers. Growth scores 39/100 against 1,612 consumer cyclical peers. Earnings per share growth 18.5% vs a peer median of 4.2% (stronger than 66% of peers).Earnings per share growth 18.5% vs peers 4.2% (stronger than 66% of peers). 3-year revenue growth -1.7% vs a peer median of 4.3% (weaker than 75% of peers).3-year revenue growth -1.7% vs peers 4.3% (weaker than 75% of peers).
How profitable is Dillard's?: More profitable than most of its peers. Profitability scores 94/100 against 1,612 consumer cyclical peers. Return on assets 18.2% vs a peer median of 3.3% (stronger than 95% of peers).Return on assets 18.2% vs peers 3.3% (stronger than 95% of peers).
How risky is Dillard's?: Lower risk relative to 1,612 consumer cyclical peers, judged on debt, liquidity and share-price swings. Current ratio 3.03× vs a peer median of 1.48× (stronger than 87% of peers).Current ratio 3.03× vs peers 1.48× (stronger than 87% of peers). Beta 1.16 vs a peer median of 0.63 (weaker than 81% of peers).Beta 1.16 vs peers 0.63 (weaker than 81% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Aug 1, 2026 · filed Sep 4, 2026 · compared with the quarter ended May 2, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	6.6B USD	6.6B USD	−0.1%
Net income (12 months)	656.9M USD	681.8M USD	+3.8%
Free cash flow (12 months)	754.6M USD	635.1M USD	−15.8%
Cash	1.2B USD	763.1M USD	−34.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Consumer Cyclical · 182 companies

Valuations in Consumer Cyclical are within their usual range since 2016.

36% of months since 2016 were valued lower than now.
15% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +0% and earnings +10% (medians): prices and earnings moved broadly together.
Median price-to-sales is −55% vs the whole market, against a usual −41%.

2016Shaded: most expensive fifth of its range2026

Shown for Consumer Cyclical: too few Department Stores companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Jan 2022	FY Jan 2023	FY Jan 2024	FY Jan 2025	FY Jan 2026	Change
Gross margin	41.4%	41.3%	39.6%	38.9%	39.0%	▲ 0.1 pts
Net margin	13.0%	12.7%	10.7%	9.0%	8.7%	▼ 0.3 pts
Return on assets (ROA)	26.6%	26.8%	21.4%	16.8%	16.3%	▼ 0.5 pts
Return on equity (ROE)	59.4%	55.8%	43.5%	33.0%	32.1%	▼ 1.0 pts
Free cash flow margin	17.7%	11.8%	10.9%	9.2%	9.5%	▲ 0.3 pts
Current ratio	1.98×	2.41×	2.67×	2.84×	2.65×	▼ 6.7%

DDS price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Strength: lower risk than most peers: more short-term liquidity and less debt relative to equitylower risk: more liquidity and less debt vs equity

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its share price swings more than most peers’ (beta 1.16 vs a peer median of 0.63)bigger price swings (beta 1.16 vs peers 0.63)

Ranks #288 of 1,502 consumer cyclical companies (top 20%)

See how it ranks against its peers

Worth knowing

Annual revenue fell three years running. Fiscal-year revenue down each year from FY Jan 2023 to FY Jan 2026.

Dillard's's fiscal-year revenue declined in each of the three years to FY Jan 2026.

Profit is backed by cash. Free cash flow is 93% of reported profit.

Dillard's's free cash flow is 93% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.

Questions investors ask about Dillard's

Is Dillard's getting weaker?

Its latest SEC filing (Sep 4, 2026) showed no major changes. Its overall score is 66/100, up 1 since Oct 28, 2026.

How is Dillard's valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 60/100 against 1,612 consumer cyclical peers. Earnings yield 7.2% vs a peer median of 4.4% (stronger than 74% of peers).Earnings yield 7.2% vs peers 4.4% (stronger than 74% of peers).

Is Dillard's growing?

More slowly than most of its peers. Growth scores 39/100 against 1,612 consumer cyclical peers. Earnings per share growth 18.5% vs a peer median of 4.2% (stronger than 66% of peers).Earnings per share growth 18.5% vs peers 4.2% (stronger than 66% of peers). 3-year revenue growth -1.7% vs a peer median of 4.3% (weaker than 75% of peers).3-year revenue growth -1.7% vs peers 4.3% (weaker than 75% of peers).

How profitable is Dillard's?

More profitable than most of its peers. Profitability scores 94/100 against 1,612 consumer cyclical peers. Return on assets 18.2% vs a peer median of 3.3% (stronger than 95% of peers).Return on assets 18.2% vs peers 3.3% (stronger than 95% of peers).

How risky is Dillard's?

Lower risk relative to 1,612 consumer cyclical peers, judged on debt, liquidity and share-price swings. Current ratio 3.03× vs a peer median of 1.48× (stronger than 87% of peers).Current ratio 3.03× vs peers 1.48× (stronger than 87% of peers). Beta 1.16 vs a peer median of 0.63 (weaker than 81% of peers).Beta 1.16 vs peers 0.63 (weaker than 81% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

6.6B USD

6.6B USD

−0.1%

Net income (12 months)

656.9M USD

681.8M USD

+3.8%

Free cash flow (12 months)

754.6M USD

635.1M USD

−15.8%

Cash

1.2B USD

763.1M USD

−34.1%

Key ratios

FY Jan 2022

FY Jan 2023

FY Jan 2024

FY Jan 2025

FY Jan 2026

Change

Gross margin

41.4%

41.3%

39.6%

38.9%

39.0%

▲ 0.1 pts

Net margin

13.0%

12.7%

10.7%

9.0%

8.7%

▼ 0.3 pts

Return on assets (ROA)

26.6%

26.8%

21.4%

16.8%

16.3%

▼ 0.5 pts

Return on equity (ROE)

59.4%

55.8%

43.5%

33.0%

32.1%

▼ 1.0 pts

Free cash flow margin

17.7%

11.8%

10.9%

9.2%

9.5%

▲ 0.3 pts

Current ratio

1.98×

2.41×

2.67×

2.84×

2.65×

▼ 6.7%