WallStSmart

Dillard's, Inc. (DDS)vsKohl's Corporation (KSS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Kohl's Corporation generates 134% more annual revenue ($15.43B vs $6.60B). DDS leads profitability with a 10.3% profit margin vs 1.8%. KSS appears more attractively valued with a PEG of 1.37. DDS earns a higher WallStSmart Score of 61/100 (C+).

DDS

Buy

61

out of 100

Grade: C+

Growth: 4.7Profit: 7.5Value: 5.7Quality: 9.0
Piotroski: 4/9Altman Z: 6.17

KSS

Buy

50

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 8.7Quality: 5.0
Piotroski: 4/9Altman Z: 1.81
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for DDS.

KSSUndervalued (+44.9%)

Margin of Safety

+44.9%

Fair Value

$34.09

Current Price

$17.23

$16.86 discount

UndervaluedFair: $34.09Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DDS5 strengths · Avg: 9.0/10
Return on EquityProfitability
32.5%10/10

Every $100 of equity generates 32 in profit

Altman Z-ScoreHealth
6.1710/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
34.1%8/10

Earnings expanding 34.1% YoY

KSS2 strengths · Avg: 10.0/10
P/E RatioValuation
7.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Areas to Watch

DDS3 concerns · Avg: 2.7/10
PEG RatioValuation
2.244/10

Expensive relative to growth rate

Revenue GrowthGrowth
-0.4%2/10

Revenue declined 0.4%

Free Cash FlowQuality
$-59.50M2/10

Negative free cash flow — burning cash

KSS4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.814/10

Grey zone — moderate risk

Market CapQuality
$1.99B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Profit MarginProfitability
1.8%3/10

1.8% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : DDS

The strongest argument for DDS centers on Return on Equity, Altman Z-Score, Debt/Equity.

Bull Case : KSS

The strongest argument for KSS centers on P/E Ratio, Price/Book. PEG of 1.37 suggests the stock is reasonably priced for its growth.

Bear Case : DDS

The primary concerns for DDS are PEG Ratio, Revenue Growth, Free Cash Flow.

Bear Case : KSS

The primary concerns for KSS are Altman Z-Score, Market Cap, Return on Equity. Debt-to-equity of 1.54 is elevated, increasing financial risk. Thin 1.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

DDS profiles as a declining stock while KSS is a value play — different risk/reward profiles.

KSS carries more volatility with a beta of 1.40 — expect wider price swings.

DDS is growing revenue faster at -0.4% — sustainability is the question.

KSS generates stronger free cash flow (490M), providing more financial flexibility.

Bottom Line

DDS scores higher overall (61/100 vs 50/100). KSS offers better value entry with a 44.9% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Dillard's, Inc.

CONSUMER CYCLICAL · DEPARTMENT STORES · USA

Dillard's, Inc. operates large retail stores in the Southeast, Southwest, and Midwest areas of the United States. The company is headquartered in Little Rock, Arkansas.

Kohl's Corporation

CONSUMER CYCLICAL · DEPARTMENT STORES · USA

Kohl's Corporation is a retail company in the United States. The company is headquartered in Menomonee Falls, Wisconsin.

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