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Upturn AI Summary - About
Dillard\'s, Inc.(DDS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for DDS
11/10/2026: DDS (2-star) is currently NOT-A-BUY. Pass it for now.
Dillard's is a mature US department store operator known for its conservative financial management and significant owned real estate holdings. While the company faces secular headwinds in the department store sector, it maintains relatively strong operating margins through disciplined inventory and cost controls. The investment story centers on the company's ability to generate cash and its attractive valuation relative to its asset base. However, risks include declining mall foot traffic, fierce online competition, and limited appeal to younger demographics. The stock may best suit value investors who prioritize capital return programs and balance sheet stability over high-growth prospects, with ongoing monitoring of store traffic and digital sales trends required.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | Dillard's is a mature retailer with limited double-digit growth prospects. |
| Momentum investor | Mixed fit | Momentum varies significantly based on market cycles and internal share buyback activity. |
| Value investor | Strong fit | The company often trades at valuations that reflect its significant real estate holdings and strong cash generation. |
| Dividend investor | Mixed fit | While it pays a dividend, the yield is often modest compared to high-income alternatives. |
| Low-risk investor | Mixed fit | Retail sector risks and exposure to mall traffic make this a cyclical investment despite the company's strong balance sheet. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is subject to broader retail sector sentiment and market fluctuations. |
| Valuation risk | Medium | Valuation fluctuates based on the perceived value of real estate versus retail performance. |
| Competition risk | High | Direct competition from online platforms and discount retailers puts pressure on margins. |
| Business quality | Medium | While operationally disciplined, the department store business model faces long-term secular headwinds. |
| Dividend income | Low | Dividends are reliable but not the primary driver of total returns. |
| Execution risk | Medium | Managing inventory and store foot traffic in a shifting retail landscape requires precise execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 68.24% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.18B USD | Price to earnings Ratio 16.15 | 1Y Target Price 545.67 |
Price to earnings Ratio 16.15 | 1Y Target Price 545.67 | ||
Volume (30-day avg) 133.6K shares | Beta 1.07 | 52 Weeks Range 502.84 - 727.12 | Updated Date 11/10/2026 |
52 Weeks Range 502.84 - 727.12 | Updated Date 11/10/2026 | ||
Dividends yield (FY) 0.20% | Basic EPS (TTM) 40.34 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Retail Stores | Physical sales of fashion, beauty, and home goods. | The primary source of revenue is selling goods through physical storefronts. |
| Real Estate | Ownership and management of store properties. | The company's significant owned property acts as a major financial anchor. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-12 | When Before Market | Estimate 7.8 | Actual - |
Profitability
Profit Margin 10.33% | Operating Margin (TTM) 5.69% |
Management Effectiveness
Return on Assets (TTM) 11.36% | Return on Equity (TTM) 33.75% |
Valuation
Trailing PE 16.15 | Forward PE 35.21 | Enterprise Value 8.60B | Price to Sales(TTM) 1.54 |
Enterprise Value 8.60B | Price to Sales(TTM) 1.54 | ||
Enterprise Value to Revenue 1.3 | Enterprise Value to EBITDA 8.97 | Shares Outstanding 11.86M | Shares Floating 7.54M |
Shares Outstanding 11.86M | Shares Floating 7.54M | ||
Percent Insiders 31.58 | Percent Institutions 72.02 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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