Dillard's Capital Trust I (DDT)

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Dillard's Capital Trust I as a security tied to Dillard's retail operations, and the filed figures show a business without much tailwind. Annual revenue was $6.8B in FY2023, $6.5B in FY2024, and $6.5B in FY2025, so sales have stalled and slipped. Net income fell from $738.8M in FY2023 to $593.5M in FY2024 to $570.2M in FY2025; diluted EPS fell from $44.73 to $36.82 to $36.42. FairStock's computed Lynch category is SLOW GROWER — Shrinking, with profit down 9.8% a year over four years and revenue down 0.1%. That is not the record of a wide-moat compounder; department-store retail is competitive and cyclical. There is a recent flicker: in fiscal Q2 2026, revenue was $1.5B, net income $97.7M, and diluted EPS $6.25, versus $72.8M and $4.66 in fiscal Q2 2025, and fiscal Q1 2026 net income was $250.6M. Still, one or two quarters do not erase the annual decline. On financial health, FairStock reports P/E, P/B, ROE, ROCE, and D/E as not available, so I cannot verify leverage, coverage, or earning power for the trust security. The price is $25.27 at the 2026-10-16 close, inside a 52-week range of $24.92-$26.80, with market cap $394.7M. That looks close to par for a Capital Trust instrument, but without distribution terms and coverage, price alone is not a valuation. Graham would want a margin of safety; Buffett would want durable economics. The supplied evidence supports neither strongly.

In plain English: Dillard's Capital Trust I is a security tied to Dillard's, a department-store retailer that depends on consumer spending. The retail numbers look mixed: sales have been flat-to-down and profits have fallen over the last few years, though the latest reported quarter was better. At $25.27, the price sits near the middle of its 52-week range, but the supplied data does not include the earnings or yield figures needed to call it cheap or expensive.

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Data as of 2026-10-16 close · note generated 2026-10-20 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-08-01) · fiscal Q1 2026 10-Q (period ended 2026-05-02) · fiscal Q3 2025 10-Q (period ended 2025-11-01) · fiscal Q2 2025 10-Q (period ended 2025-08-02) · FY2025 10-K (period ended 2026-01-31) · FY2024 10-K (period ended 2025-02-01) · FY2023 10-K (period ended 2024-02-03)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer