Dillards Inc Financials

DDS

Source SEC Filings (10-K/10-Q) Updated Nov 1, 2025 Currency USD FYE February

Financial Health Signals

Financial Profile 62/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Dillards Inc's revenue declined 4.1% year-over-year, from $6.9B to $6.6B. This contraction results in a growth score of 17/100.

Leverage

Dillards Inc carries a low D/E ratio of 1.10, meaning only $1.10 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 70/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

With a current ratio of 2.41, Dillards Inc holds $2.41 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 77/100.

Cash Flow

Dillards Inc has a free cash flow margin of 9.3%, earning a moderate score of 46/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

100

Dillards Inc earns a strong 31.9% return on equity (ROE), meaning it generates $32 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is down from 39.4% the prior year.

Piotroski F-Score Neutral

4/9

Dillards Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.20x

For every $1 of reported earnings, Dillards Inc generates $1.20 in operating cash flow ($714.1M OCF vs $593.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Dillards Inc (DDS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$6.6B

YoY-4.1%

5Y CAGR+0.8%

10Y CAGR-0.3%

Dillards Inc generated $6.6B in revenue in fiscal year 2025. This represents a decrease of 4.1% from the prior year.

EBITDA

N/A

Free Cash Flow

$609.6M

YoY-18.8%

5Y CAGR+18.4%

10Y CAGR+2.9%

Dillards Inc generated $609.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 18.8% from the prior year.

Net Income

$593.5M

YoY-19.7%

5Y CAGR+39.8%

10Y CAGR+6.0%

Dillards Inc reported $593.5M in net income in fiscal year 2025. This represents a decrease of 19.7% from the prior year.

EPS (Diluted)

$36.82

YoY-17.7%

5Y CAGR+53.1%

10Y CAGR+16.8%

Dillards Inc earned $36.82 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 17.7% from the prior year.

Cash & Debt

$900.5M

YoY+10.1%

5Y CAGR+66.7%

10Y CAGR+7.0%

Dillards Inc held $900.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$26.00

YoY+24.4%

5Y CAGR+120.4%

10Y CAGR+59.8%

Dillards Inc paid $26.00 per share in dividends in fiscal year 2025. This represents an increase of 24.4% from the prior year.

Shares Outstanding

N/A

Gross Margin

38.9%

YoY-0.7pp

5Y CAGR+7.9pp

10Y CAGR+4.3pp

Dillards Inc's gross margin was 38.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.7 percentage points from the prior year.

Operating Margin

N/A

Net Margin

9.0%

YoY-1.7pp

5Y CAGR+7.3pp

10Y CAGR+4.1pp

Dillards Inc's net profit margin was 9.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.7 percentage points from the prior year.

Return on Equity

31.9%

YoY-7.5pp

5Y CAGR+24.0pp

10Y CAGR+16.3pp

Dillards Inc's ROE was 31.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 7.5 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$121.0M

YoY-57.0%

5Y CAGR-1.6%

10Y CAGR-8.4%

Dillards Inc spent $121.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 57.0% from the prior year.

Capital Expenditures

$104.6M

YoY-21.4%

5Y CAGR+0.2%

10Y CAGR-3.7%

Dillards Inc invested $104.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 21.4% from the prior year.

DDS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$6.6B-4.1%	$6.9B-1.7%	$7.0B+5.6%	$6.6B+49.4%	$4.4B-30.1%	$6.3B
Cost of Revenue	$3.9B-2.8%	$4.0B+1.2%	$4.0B+6.3%	$3.7B+22.1%	$3.1B-27.5%	$4.2B
Gross Profit	$2.6B-5.8%	$2.7B-5.8%	$2.9B+5.2%	$2.7B+122.9%	$1.2B-37.4%	$2.0B
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.7B+0.8%	$1.7B+2.6%	$1.7B+9.0%	$1.5B+26.8%	$1.2B-28.4%	$1.7B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$39.9M+966.8%	-$4.6M-115.1%	$30.5M-29.2%	$43.1M-12.3%	$49.1M+6.2%	$46.2M
Income Tax	$136.2M-23.4%	$177.8M-18.4%	$217.8M-3.6%	$225.9M+376.3%	-$81.8M-458.4%	$22.8M
Net Income	$593.5M-19.7%	$738.8M-17.1%	$891.6M+3.4%	$862.5M+1303.7%	-$71.7M-164.5%	$111.1M
EPS (Diluted)	$36.82-17.7%	$44.73-12.0%	$50.81+21.3%	$41.88+1425.3%	$-3.16-172.1%	$4.38

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Revenue	$1.5B-2.9%	$1.5B-0.7%	$1.5B+6.6%	$1.5B-4.2%	$1.5B-3.7%	$1.6B-27.1%	$2.2B+43.5%	$1.5B
Cost of Revenue	$831.6M-13.3%	$959.3M+11.8%	$857.7M+4.7%	$819.3M-11.9%	$930.3M+8.5%	$857.8M-36.3%	$1.3B+61.3%	$834.5M
Gross Profit	$637.1M+14.9%	$554.5M-17.4%	$671.2M+10.4%	$607.7M+8.6%	$559.6M-19.0%	$691.2M-11.1%	$777.9M+21.2%	$641.8M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$440.4M+1.4%	$434.2M+3.0%	$421.7M+0.7%	$418.9M-3.4%	$433.7M+1.6%	$426.7M-10.5%	$476.7M+13.0%	$421.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$10.2M+1.4%	$10.1M-2.6%	$10.3M+7.3%	$9.6M-1.7%	$9.8M+377.5%	-$3.5M-15.2%	-$3.1M-71.2%	-$1.8M
Income Tax	$39.0M+79.3%	$21.8M-56.4%	$49.9M+31.6%	$37.9M+67.5%	$22.6M-58.7%	$54.8M+71.0%	$32.0M-27.3%	$44.0M
Net Income	$129.8M+78.2%	$72.8M-55.5%	$163.8M+31.5%	$124.6M+67.3%	$74.5M-58.6%	$180.0M-28.1%	$250.5M+61.3%	$155.3M
EPS (Diluted)	$8.31+78.3%	$4.66-55.1%	$10.39+34.4%	$7.73+68.4%	$4.59-58.6%	$11.09-28.0%	$15.41+62.4%	$9.49

DDS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.9B-0.8%	$3.9B+5.0%	$3.7B+2.5%	$3.7B+4.3%	$3.5B+4.9%	$3.3B
Current Assets	$2.8B+2.2%	$2.7B+8.2%	$2.5B+6.3%	$2.4B+11.6%	$2.1B+18.5%	$1.8B
Cash & Equivalents	$900.5M+10.1%	$817.8M-3.6%	$848.3M-1.6%	$862.2M+40.0%	$615.9M+780.0%	$70.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$56.9M+15.6%	$49.3M-16.6%	$59.0M+91.0%	$30.9M-8.9%	$33.9M	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.0B-0.6%	$2.1B-0.2%	$2.1B-3.8%	$2.1B+9.0%	$2.0B+1.2%	$1.9B
Current Liabilities	$1.1B+1.5%	$1.1B-5.1%	$1.2B-9.7%	$1.3B+21.1%	$1.1B+1.6%	$1.1B
Long-Term Debt	N/A	N/A	N/A	N/A	$365.9M0.0%	$365.7M
Total Equity	$1.9B-0.9%	$1.9B+11.4%	$1.7B+11.3%	$1.5B-1.6%	$1.5B+10.1%	$1.4B
Retained Earnings	$6.4B+2.6%	$6.2B+6.5%	$5.8B+10.8%	$5.3B+14.0%	$4.6B+5.4%	$4.4B

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Total Assets	$4.3B+16.7%	$3.7B-5.7%	$3.9B-5.5%	$4.1B+12.9%	$3.7B-7.0%	$3.9B+14.2%	$3.4B-11.5%	$3.9B
Current Assets	$3.2B+23.2%	$2.6B-7.1%	$2.8B-5.9%	$2.9B+19.9%	$2.5B-9.4%	$2.7B+22.6%	$2.2B-17.2%	$2.7B
Cash & Equivalents	$1.1B+13.6%	$1.0B+12.4%	$900.5M-8.1%	$980.4M+3.6%	$946.7M+15.8%	$817.8M+1.2%	$808.3M-4.0%	$842.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$44.9M-14.0%	$52.2M-8.3%	$56.9M-7.8%	$61.7M-4.2%	$64.5M+30.9%	$49.3M-18.7%	$60.5M+5.5%	$57.4M
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$2.3B+27.6%	$1.8B-13.8%	$2.0B-5.6%	$2.2B+26.7%	$1.7B-16.9%	$2.1B+17.7%	$1.8B-16.0%	$2.1B
Current Liabilities	$1.4B+50.8%	$958.7M-16.4%	$1.1B-7.3%	$1.2B+58.5%	$780.3M-31.0%	$1.1B+36.5%	$827.8M-31.1%	$1.2B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$2.0B+6.6%	$1.9B+3.3%	$1.9B-5.4%	$2.0B+0.7%	$1.9B+3.9%	$1.9B+10.5%	$1.7B-6.4%	$1.8B
Retained Earnings	$6.6B+1.9%	$6.5B+1.1%	$6.4B-0.4%	$6.4B+1.9%	$6.3B+1.1%	$6.2B+2.9%	$6.0B-1.3%	$6.1B

DDS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$714.1M-19.2%	$883.6M-6.8%	$948.4M-25.9%	$1.3B+406.0%	$252.9M-30.7%	$365.1M
Capital Expenditures	$104.6M-21.4%	$132.9M+10.7%	$120.1M+15.1%	$104.4M+72.6%	$60.5M-41.5%	$103.4M
Free Cash Flow	$609.6M-18.8%	$750.6M-9.4%	$828.3M-29.5%	$1.2B+510.8%	$192.5M-26.4%	$261.7M
Investing Cash Flow	-$269.7M-133.3%	-$115.6M+51.0%	-$235.9M-238.0%	-$69.8M-44.2%	-$48.4M+28.9%	-$68.1M
Financing Cash Flow	-$534.8M+13.7%	-$620.0M+19.4%	-$769.0M+9.9%	-$853.8M-603.9%	-$121.3M+15.4%	-$143.4M
Dividends Paid	$413.8M+22.2%	$338.6M+24.8%	$271.3M-11.1%	$305.2M+2084.0%	$14.0M+21.3%	$11.5M
Share Buybacks	$121.0M-57.0%	$281.4M-37.9%	$452.9M-16.9%	$544.9M+429.6%	$102.9M-21.4%	$130.9M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Operating Cash Flow	$186.5M+114.9%	$86.8M-62.7%	$232.6M+34.1%	$173.5M+353.5%	-$68.4M-128.0%	$244.4M-44.0%	$436.5M+786.1%	$49.3M
Capital Expenditures	$30.3M+13.6%	$26.7M+58.3%	$16.9M-39.9%	$28.1M+8.3%	$25.9M-26.3%	$35.2M+24.4%	$28.3M-30.8%	$40.9M
Free Cash Flow	$156.2M+159.9%	$60.1M-72.2%	$215.8M+48.4%	$145.4M+254.2%	-$94.3M-145.1%	$209.2M-48.8%	$408.2M+4768.4%	$8.4M
Investing Cash Flow	-$45.4M-217.9%	$38.5M-30.4%	$55.3M+279.7%	-$30.8M-115.3%	$201.4M+187.3%	-$230.8M-86.9%	-$123.5M-282.5%	$67.7M
Financing Cash Flow	-$3.9M+71.5%	-$13.7M+87.0%	-$105.3M+3.5%	-$109.1M-2588.0%	-$4.1M0.0%	-$4.1M+98.8%	-$346.7M-603.5%	-$49.3M
Dividends Paid	$3.9M-0.5%	$3.9M-1.3%	$4.0M-2.0%	$4.1M0.0%	$4.1M0.0%	$4.1M-98.8%	$328.5M+9897.7%	$3.3M
Share Buybacks	$0-100.0%	$9.8M-90.0%	$98.0M	N/A	N/A	N/A	$18.2M-60.5%	$46.0M

DDS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	38.9%-0.7pp	39.6%-1.7pp	41.3%-0.2pp	41.4%+13.7pp	27.8%-3.2pp	31.0%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	9.0%-1.7pp	10.8%-2.0pp	12.7%-0.3pp	13.0%+14.6pp	-1.6%-3.4pp	1.8%
Return on Equity	31.9%-7.5pp	39.4%-13.6pp	53.0%-4.1pp	57.0%	N/A	8.0%
Return on Assets	15.2%-3.6pp	18.8%-5.0pp	23.8%+0.2pp	23.6%+25.6pp	-2.0%-5.4pp	3.3%
Current Ratio	2.41+0.0	2.40+0.3	2.10+0.3	1.79-0.2	1.94+0.3	1.66
Debt-to-Equity	1.100.0	1.10-0.1	1.23-0.2	1.42+1.2	0.24-0.0	0.26
FCF Margin	9.3%-1.7pp	10.9%-0.9pp	11.8%-5.9pp	17.8%+13.4pp	4.3%+0.2pp	4.1%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'24	Q3'23
Gross Margin	42.7%+6.6pp	36.1%-7.3pp	43.4%+1.5pp	41.9%+4.9pp	37.0%-7.0pp	44.0%+7.9pp	36.0%-6.6pp	42.7%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	8.7%+4.0pp	4.7%-5.8pp	10.6%+2.0pp	8.6%+3.7pp	4.9%-6.5pp	11.5%-0.2pp	11.6%+1.3pp	10.3%
Return on Equity	6.3%+2.6pp	3.8%-5.0pp	8.8%+2.5pp	6.3%+2.5pp	3.8%-5.8pp	9.6%-5.2pp	14.8%+6.2pp	8.6%
Return on Assets	3.0%+1.0pp	2.0%-2.2pp	4.2%+1.2pp	3.0%+1.0pp	2.0%-2.5pp	4.6%-2.7pp	7.3%+3.3pp	4.0%
Current Ratio	2.19-0.5	2.68+0.3	2.41+0.0	2.38-0.8	3.14+0.7	2.40-0.3	2.67+0.5	2.22
Debt-to-Equity	1.10+0.2	0.92-0.2	1.100.0	1.11+0.2	0.88-0.2	1.10+0.1	1.03-0.1	1.15
FCF Margin	10.5%+6.6pp	3.9%-10.0pp	14.0%+3.9pp	10.0%+16.3pp	-6.2%-19.5pp	13.3%-5.6pp	18.9%+18.4pp	0.6%

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Frequently Asked Questions

What is Dillards Inc's annual revenue?

Dillards Inc (DDS) reported $6.6B in total revenue for fiscal year 2025. This represents a -4.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Dillards Inc's revenue growing?

Dillards Inc (DDS) revenue declined by 4.1% year-over-year, from $6.9B to $6.6B in fiscal year 2025.

Is Dillards Inc profitable?

Yes, Dillards Inc (DDS) reported a net income of $593.5M in fiscal year 2025, with a net profit margin of 9.0%.

What is Dillards Inc's earnings per share (EPS)?

Dillards Inc (DDS) reported diluted earnings per share of $36.82 for fiscal year 2025. This represents a -17.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Dillards Inc's gross margin?

Dillards Inc (DDS) had a gross margin of 38.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Dillards Inc's net profit margin?

Dillards Inc (DDS) had a net profit margin of 9.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Dillards Inc pay dividends?

Yes, Dillards Inc (DDS) paid $26.00 per share in dividends during fiscal year 2025.

What is Dillards Inc's return on equity (ROE)?

Dillards Inc (DDS) has a return on equity of 31.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Dillards Inc's free cash flow?

Dillards Inc (DDS) generated $609.6M in free cash flow during fiscal year 2025. This represents a -18.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Dillards Inc's operating cash flow?

Dillards Inc (DDS) generated $714.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Dillards Inc's total assets?

Dillards Inc (DDS) had $3.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Dillards Inc's capital expenditures?

Dillards Inc (DDS) invested $104.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Dillards Inc buy back shares?

Yes, Dillards Inc (DDS) spent $121.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Dillards Inc's current ratio?

Dillards Inc (DDS) had a current ratio of 2.41 as of fiscal year 2025, which is generally considered healthy.

What is Dillards Inc's debt-to-equity ratio?

Dillards Inc (DDS) had a debt-to-equity ratio of 1.10 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Dillards Inc's return on assets (ROA)?

Dillards Inc (DDS) had a return on assets of 15.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Dillards Inc's Piotroski F-Score?

Dillards Inc (DDS) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Dillards Inc's earnings high quality?

Dillards Inc (DDS) has an earnings quality ratio of 1.20x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Dillards Inc?

Dillards Inc (DDS) scores 62 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.