DDS · CIK 0000028917 · FY2025 live · 2026-01-31
DILLARD'S, INC.
View as
Model
Z″
FY2025
9.73
Zone
Safe
Prior
—
Market DD
—
1y PD
—
9.73
Classic Z 5.50
Z″ 9.73 · distress below 1.10, grey to 2.60, safe above.
Z″ factor contributions
X1 Working capital / assets
Short-term liquidity. Carries more weight in Z″ than in classic Z.
0.426.56 × = 2.78X2 Retained earnings / assets
Cushion from years of profits. Share buybacks can push this negative at otherwise healthy firms.
1.803.26 × = 5.87X3 EBIT / assets
Operating return on assets. Highest weight in Z″.
0.006.72 × = 0.00X4 Book equity / liabilities
Book equity versus the liability stack. Sales / assets is omitted so asset-light names are not punished for turnover.
1.031.05 × = 1.08
Five-year path
Need two annual 10-Ks to draw a path. The desk will pull this issuer’s filings rather than invent a series.
Overview
rule-v1
DILLARD'S, INC. is on Z″ at 9.73 (safe) for FY2025, from an SEC 10-K. Retained earnings / assets is the line that sets the print. This is the first live year on the desk. No market tape loaded. Z″ drops sales/assets so asset-light names are not punished for turnover. X4 is book equity on every name.
Book screen Safe; market PD —. Tape not priced — not a single default call.
Market DD · naive Merton
No market tape yet.
Pull a year of closes (Yahoo, Nasdaq if Yahoo is limited) and size equity from Nasdaq cap or EDGAR shares. Distance-to-default and 1-year PD stay blank until then.
Sector peers
Closest Z″ scores · 97th percentile in Consumer.
KPI widgets
Current assets
$2.4B
Total assets
$3.5B
Current liabilities
$902M
Total liabilities
$1.7B
Working capital
$1.5B
Retained earnings
$6.3B
EBIT
$0
Total sales
$6.5B
Book equity
$1.8B
Accession 0000028917-26-000006. Live rank is the latest 10-K on EDGAR (FY2025, period 2026-01-31). Z″ is the live score. View as does not rewrite the live rank. X4 is book equity. Pulled 13 Sept 2026.