Forensic Analysis · Retail / Consumer Discretionary · as of Jun 28, 2026
DILLARD'S, INC. (DDT)
A forensic read on DILLARD'S, INC. built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.
B · Sound & dependable
Forensic grade
Safe
Financial health
11.1
Altman Z-score
Clean
Earnings quality
2
Forensic signals
$408M
Market cap
DILLARD'S, INC. earns a B (Sound & dependable) forensic quality grade, and its Altman Z-score is 11.1, placing it in the Safe zone. 2 forensic signals were flagged in its latest SEC filings, led by shareholder returns.
What the filings flag
95% of FCFShareholder returns.Returned $593M to shareholders (buybacks + dividends) in FY2026 — 95% of free cash flow. Right at the limit of what free cash flow covers — little room before it's funded by debt or the balance sheet.
-11%Dividend — cut.The payout was CUT ~11% in FY2023 (from FY2022). It still returns some cash, but it is NOT the dependable, rising dividend an unbroken streak implies — weigh the cut when judging reliability.
Key fundamentals
Net Margin8.7%
Debt / Equity0.21x
Free Cash Flow$623.6M
Latest Revenue$6.56B
Return on Equity32.1%
Revenue Growth YoY-0.4%
Go deeper — free with an account
The forensic grade and screens above are free — no account needed. An account adds the full interactive deep-dive on DILLARD'S, INC.:
🔒The written investment read — what the numbers mean, in plain English
🔒Ask anything about DDT's filings — AI Q&A across the 10-K, 10-Qs & 8-Ks
🔒Interactive valuation — reverse-DCF sliders, Monte Carlo & scenario stress
🔒Calibrated 12-month price forecast, with the math shown