Dillard's Balance Sheet Health
Financial Health criteria checks 6/6
Dillard's has a total shareholder equity of $2.0B and total debt of $521.7M, which brings its debt-to-equity ratio to 25.8%. Its total assets and total liabilities are $4.1B and $2.1B respectively. Dillard's's EBIT is $677.0M making its interest coverage ratio -81.8. It has cash and short-term investments of $1.4B.
Key information
25.76%
Debt to equity ratio
US$521.70m
Debt
| Interest coverage ratio | -81.8x |
| Cash | US$1.42b |
| Equity | US$2.03b |
| Total liabilities | US$2.11b |
| Total assets | US$4.14b |
Recent financial health updates
Recent updates
Dillard's: Strength Is Temporary
Summary Dillard’s, Inc. reported a clear improvement in sales growth in Q1, also helping margin stability. The improvement is driven by tariff-related apparel inflation instead of DDS's operational strength. DDS's outlook is still weak. E-commerce continues to erode department store traffic, and the consumer sentiment is currently very low. I estimate DDS stock to have a fair value of $495.4. Read the full article on Seeking Alpha
Dillard's Inc. (DDS): The Retail Cash Machine – Navigating Seasonal Storms with a Fortress Balance Sheet in 2026.
Dillard's (DDS) is currently operating as a masterclass in capital discipline within the retail sector, trading at $611.60 as of the March 3, 2026, close. The stock has been a battleground for investors lately, as it works to digest its Q4 2025 earnings report released on February 24.Some May Be Optimistic About Dillard's' (NYSE:DDS) Earnings
NYSE:DDS 1 Year Share Price vs Fair Value Explore Dillard's's Fair Values from the Community and select yours...A Look At The Fair Value Of Dillard's, Inc. (NYSE:DDS)
Key Insights Using the 2 Stage Free Cash Flow to Equity, Dillard's fair value estimate is US$504 With US$410 share...Dillard's: It Is Trading At A Premium Despite Overpricing And Market Risks
Summary Dillard’s, Inc. faces significant challenges from competition, economic volatility, and tariffs, leading to weak topline performance and a -5.0% YoY revenue decrease in Q4 2024. Despite a strong Balance Sheet, DDS struggles with high inventory levels, declining operating margins, and increased cost sensitivity, making it vulnerable to inflation. The stock remains overpriced with a P/B Ratio of 2.84x and a -16.0% downside risk, supported by weak technical indicators and a Death Cross formation. Given the market risks and overvaluation, I recommend a hold rating for DDS to avoid potential downside and bull traps. Read the full article on Seeking AlphaDillard's: Growing Weakness And Misplaced Incentives Justify A Bearish Outlook
Summary Despite Dillard's stock soaring 113.1% since May 2022, revenue, profits, and cash flows have worsened, prompting a downgrade to 'sell'. Management's focus on dividends and buybacks over operational improvements signals short-term gains at the expense of long-term health. Comparable store sales and transaction numbers are declining, indicating deeper issues with customer engagement and overall financial performance. Its current valuation, while fairly attractive, is high compared to peers, making DDS less attractive amidst declining fundamentals. Read the full article on Seeking AlphaDillard's: Why Dividend Investors May Want To Add This Stock To Their Portfolio
Summary Dillard's, despite facing headwinds, has strong fundamentals, a low debt balance sheet, and sufficient cash flows to cover dividends, making it attractive for dividend investors. The company rewards shareholders with frequent special dividends, including a recent $25 special dividend, enhancing its appeal despite a low average yield. Dillard's has consistently repurchased shares, reducing share count by 62% over nine years, which boosts earnings growth and dividend safety. Potential downside risks include a forecasted decline in sales and a possible price correction post-special dividend, warranting cautious investment consideration. Read the full article on Seeking AlphaDillard's: Demand Outlook Remains Poor With Risk Of Margin Contraction
Summary I maintain a hold rating on Dillard’s due to ongoing macro headwinds, poor demand outlook, and risks to gross margin performance. 3Q24 results showed a 3.8% revenue decline, with negative same-store sales and margin contractions. The promotional environment is intense, and DDS may need to mark down inventory, further risking margin contraction amid already poor demand. Read the full article on Seeking AlphaDillard's: Negative Outlook On Topline, Margins
Summary I recommend a hold rating for Dillard’s due to an unfavorable macro backdrop and growing inventory risks impacting near-term performance. DDS reported disappointing 2Q24 results, with declining sales, margins, and continued negative same-store sales growth, leading to a significant stock price drop. High inventory levels and weak consumer spending environment pose downside risks to DDS's gross margins and profitability in the near term. DDS's current valuation at ~12x forward earnings is not attractive, given the poor topline and margin outlook, suggesting potential for further multiple contraction. Read the full article on Seeking AlphaDillard's: Sales Worsen Worryingly In Q2
Summary Dillard's reported Q2 results with below-expectation comparable store sales, related to continuing challenges in consumer spending. The weak sales are in part related to macroeconomic worries, but in light of recent performance against peers, Dillard's Q2 could also be a sign of company-specific traffic weakness. Worryingly, Dillard's didn't manage to adapt costs to the weaker consumer spending, only starting to adapt after Q2. Dillard's stock now comes at a justified margin of safety. Read the full article on Seeking AlphaDillard's Stock: Wait For A Better Sale
Summary We recap the Q1 earnings report from Dillard's, Inc. Management is citing a challenging environment that has pressured sales and margins. We expect shares to face some volatility amid a more uncertain near-term operating outlook. Read the full article on Seeking AlphaFinancial Position Analysis
Short Term Liabilities: DDS's short term assets ($3.0B) exceed its short term liabilities ($1.3B).
Long Term Liabilities: DDS's short term assets ($3.0B) exceed its long term liabilities ($824.9M).
Debt to Equity History and Analysis
Debt Level: DDS has more cash than its total debt.
Reducing Debt: DDS's debt to equity ratio has reduced from 36.8% to 25.8% over the past 5 years.
Debt Coverage: DDS's debt is well covered by operating cash flow (162.6%).
Interest Coverage: DDS earns more interest than it pays, so coverage of interest payments is not a concern.
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/27 02:51 |
| End of Day Share Price | 2026/05/27 00:00 |
| Earnings | 2026/05/02 |
| Annual Earnings | 2026/01/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Dillard's, Inc. is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Lorraine Corrine Hutchinson | BofA Global Research |
| Paul Trussell | Deutsche Bank |
| Matthew Boss | J.P. Morgan |