WallStSmart

Dillard's, Inc. (DDS)vsMacy’s Inc (M)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Macy’s Inc generates 244% more annual revenue ($22.72B vs $6.60B). DDS leads profitability with a 9.9% profit margin vs 2.9%. DDS appears more attractively valued with a PEG of 2.24. DDS earns a higher WallStSmart Score of 62/100 (C+).

DDS

Buy

62

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 5.7Quality: 8.5
Piotroski: 4/9Altman Z: 6.17

M

Buy

57

out of 100

Grade: C

Growth: 5.3Profit: 5.0Value: 7.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.62
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for DDS.

MUndervalued (+33.6%)

Margin of Safety

+33.6%

Fair Value

$32.71

Current Price

$22.16

$10.55 discount

UndervaluedFair: $32.71Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DDS5 strengths · Avg: 9.4/10
Return on EquityProfitability
32.5%10/10

Every $100 of equity generates 32 in profit

EPS GrowthGrowth
54.5%10/10

Earnings expanding 54.5% YoY

Altman Z-ScoreHealth
6.1710/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.279/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

M3 strengths · Avg: 10.0/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
76.9%10/10

Earnings expanding 76.9% YoY

Areas to Watch

DDS2 concerns · Avg: 4.0/10
PEG RatioValuation
2.244/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.7%4/10

2.7% revenue growth

M4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.1%4/10

2.1% revenue growth

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
1.8%3/10

Operating margin of 1.8%

Debt/EquityHealth
1.063/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : DDS

The strongest argument for DDS centers on Return on Equity, EPS Growth, Altman Z-Score.

Bull Case : M

The strongest argument for M centers on P/E Ratio, Price/Book, EPS Growth.

Bear Case : DDS

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

Bear Case : M

The primary concerns for M are Revenue Growth, Profit Margin, Operating Margin. Thin 2.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

M carries more volatility with a beta of 1.50 — expect wider price swings.

DDS is growing revenue faster at 2.7% — sustainability is the question.

DDS generates stronger free cash flow (347M), providing more financial flexibility.

Monitor DEPARTMENT STORES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DDS scores higher overall (62/100 vs 57/100). M offers better value entry with a 33.6% 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.

Macy’s Inc

CONSUMER CYCLICAL · DEPARTMENT STORES · USA

Macy's, Inc., an omnichannel retail organization, operates stores, websites, and mobile apps under the Macy's, Bloomingdale's and bluemercury brands. The company is headquartered in New York, New York.

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