DDS · NYSE · STOCK
Dillard's (DDS) Stock Analysis
$640.09
52W $503.06 – $741.98
61/100
$10.86B
15.9
1.19
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is DDS Bullish or Bearish?
Bullish.
Innellis AI committee rates Dillard's, Inc. (DDS) Buy with a composite score of 61/100
, based on 6 analysts with 83% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +14.45 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.55 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Risk Analyst sees a compelling case — low leverage (debt-to-equity 0.29) -- balance sheet can absorb a shock. Growth Analyst remains cautious — revenue declining -8.2% yoy -- this is not a growth story right now. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 14.1 is inexpensive for the broad market — Value
- ROE of 34.2% shows genuine earnings power backing the valuation — Value
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Low leverage (debt-to-equity 0.29) -- balance sheet can absorb a shock — Risk
Bear Case
- Price-to-book of 5.6x prices in significant intangible value — Value
- Revenue declining -8.2% YoY -- this is not a growth story right now — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
61/100
Agreement
83%
Analysts
6
Conviction
Contested
Sector Rank
Top 24%
of 178 Consumer Cyclical peers
Value Analyst
bullish
64
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.1 is inexpensive for the broad market
− Price-to-book of 5.6x prices in significant intangible value
Growth Analyst
bearish
25
/ 100 · Moderate confidence
Growth story is weak, decelerating, or inconsistent
− Revenue declining -8.2% YoY -- this is not a growth story right now
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.29) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 3 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 59.7 to 60.5.
- Recommendation changed from Watch to Buy.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 2 appeared.
Analyst-level changes:
- News Analyst: score 63->68 (+5); +1 bullish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
45.2
Neutral
MACD Histogram
-3.767
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Support
$588.95
Resistance
$680.53
Bollinger %B
0.31
Inside Bands
Price vs Moving Averages
EMA 9
$649.31
Below
EMA 21
$648.12
Below
EMA 50
$632.11
Above
EMA 200
$598.13
Above
Fundamental Analysis
Valuation
80
Growth
65
Profitability
75
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
15.9×
P/B Ratio
5.12×
PEG Ratio
0.78
Dividend Yield
4.49%
52W High
$741.98
52W Low
$503.06
Quality & Growth
ROE
3207.4%
ROA
1628.0%
Gross Margin
3919.0%
Operating Margin
1103.1%
Revenue Growth YoY
—
Debt / Equity
0.22
AI Fundamental Assessment
P/E ratio of 15.9 (inexpensive relative to a 15-40x range); Price-to-book of 5.1x; PEG ratio of 0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 32.1%; Return on assets of 16.3%; Net margin of 10.3%; Gross margin of 39.2%; Current ratio of 3.03 (healthy short-term liquidity); Debt-to-equity of 0.22; Free cash flow per share is positive (40.49); Most recent quarter beat estimates by 45.1%; EPS growth decelerating (-28.2% -> -33.0% QoQ); Average YoY EPS growth of 34.8%; Analyst estimates falling over recent quarters
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