# Dillard's Capital Trust I (DDT) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services. Price $26.22, market value $410 million.

## Valuation
- **P/E (trailing): 0.6×** (5-yr avg 0.5×, 3-yr avg 0.6×). Dillard's Capital Trust I trades at 0.6× trailing earnings, close to its own five-year average of 0.5×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 0.1×**. Each dollar of revenue is priced at 0.1×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.2×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 154.7%**. Free cash flow equals 154.7% of the market value. Above 5% is generally attractive.
- **Earnings yield: 166.5%**. The inverse of the P/E: 166.5% of the price is earned each year.

## Profitability
- **Gross margin: 40.2%**. Dillard's Capital Trust I keeps 40.2% of revenue after the direct cost of what it sells.
- **Net margin: 8.8%**. 8.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 32.1%**. 32.1% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 19.5%**. Each dollar of assets produces 19.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -0.1%** (3-yr -2.0%/yr, 5-yr 7.9%/yr). Revenue fell 0.1% over the last year, against 7.9% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -1.1%** (3-yr -10.5%/yr). Earnings per share fell 1.1%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -9.0%/yr**. Free cash flow has compounded at -9.0% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $861 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Dillard's Capital Trust I does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 8.4%** (YTD 5.7%, 3-mo 2.3%). The shares are up 8.4% over twelve months including dividends.
- **From 52-week high: -2.2%** (4.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.07** (volatility 5%). Beta of 0.07 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=DDT · Page: https://foliofundamentals.com/stocks/ddt

Not investment advice.