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Core Viewpoint - Dillard's (DDS) is highlighted as a strong retail stock to consider, especially following record Black Friday sales in the U.S., and it currently holds a Zacks Rank 1 (Strong Buy) due to impressive earnings and optimism related to Federal Reserve rate cuts [1]. Company Performance - Dillard's stock has increased over 50% year-to-date, driven by earnings that have consistently surpassed analyst expectations [1]. - The company trades at a high price of over $600 per share, but its profitability and digital presence suggest potential for further growth [2]. Business Model - Dillard's unique business model, which involves owning most of its stores rather than leasing, contributes to its exceptional profitability by reducing rent expenses and stabilizing costs [5]. - The company has pursued a long-term, debt-averse expansion strategy focused on real estate ownership since its founding in 1938 [5]. Financial Metrics - Dillard's boasts a 20% return on invested capital (ROIC), significantly above the preferred range of 10-15% for department store chains [6]. - The company has a free cash flow conversion rate of 108%, indicating strong ability to convert profits into cash for reinvestment or shareholder returns [6]. Earnings Projections - EPS revisions for fiscal 2026 have increased by 5% in the last 30 days, from $30.92 to $32.61, while FY27 EPS estimates have risen over 6% from $28.10 to $29.93 [7]. - Current EPS estimates for the upcoming quarters are 9.84 for Q1 2026 and 9.20 for Q2 2026, reflecting positive trends in earnings expectations [8]. Valuation - Dillard's stock trades at a forward earnings multiple of 20X, which is considered reasonable compared to its profitability, and it is at a slight P/E discount to Kohl's and not at a stretched premium to Macy's [8]. Market Outlook - Dillard's is positioned to benefit from a record-breaking holiday shopping season, as indicated by strong Black Friday sales, suggesting continued strong performance in the retail sector [11].

Financial Data and Key Metrics Changes - Revenue from continuing operations increased by 6% compared to Q3 2024, reaching $13.4 million [8][20] - Consolidated adjusted EBITDA grew by 36%, reflecting cost management efforts despite a 1.5% decline in system-wide sales and negative comp sales of 2% [8][18] - Unrestricted cash and cash equivalents stood at $29.7 million, up from $25.1 million at the end of the previous year [23] Business Line Data and Key Metrics Changes - System-wide sales decreased by 1.5% to $127 million, with comp sales down by 2% [18][20] - The company opened nine franchise clinics in Q3, bringing the total to 884 franchise clinics, which is 92% of the portfolio [19] - The break-even point for new clinics improved significantly due to enhanced pre-opening protocols [19] Market Data and Key Metrics Changes - The company is focusing on a national marketing campaign to drive new patient acquisition, shifting from local to national advertising [10][11] - The marketing strategy emphasizes pain relief, which is identified as the primary reason for seeking chiropractic care, with 80% of new patients citing aches and pains [10][12] Company Strategy and Development Direction - The company aims to become a pure-play franchisor by refranchising corporate clinics, with an initial agreement to sell 45 clinics in Southern California for $4.5 million [9][27] - A new pricing pilot for wellness plans is being tested to optimize revenue while maintaining affordability [16][28] - The company is enhancing patient experience through technology upgrades, including a mobile app that has seen 178,000 downloads [17][42] Management's Comments on Operating Environment and Future Outlook - Management acknowledged macroeconomic headwinds affecting the refranchising timeline but expressed confidence in progress [27] - The company revised its full-year 2025 guidance, expecting system-wide sales to range from $530-$534 million, down from previous guidance [24] - Management believes that 2026 will be more profitable than 2025 due to ongoing cost-saving initiatives and refranchising efforts [24][38] Other Important Information - The company was recognized in the Franchise Times Top 400 for the sixth consecutive year, ranking 139th [25] - The patient-facing mobile app is expected to enhance patient engagement and retention, although it is too early to measure its impact [42][43] Q&A Session Summary Question: Timeline for completing refranchising of corporate clinics - Management indicated that while exact timing is uncertain due to lender dynamics, they are confident in making progress [27] Question: Details on pricing plan pilot - The company is testing three different price increase levels for wellness plans to find the optimal balance for patients [28] Question: Steps to improve same-store sales - Management highlighted a shift in marketing focus to pain relief and reallocating funds from local to national marketing efforts [30] Question: Initiatives to improve break-even point for new clinics - The company has implemented robust pre-opening protocols to ensure new clinics achieve break-even faster [32] Question: Trends in comp growth and guidance for Q4 - Management noted that comps were slightly softer at the end of Q3 and that Q4 comparisons would be tougher due to last year's performance [34] Question: SG&A expense reductions and adjusted EBITDA guidance - Management is targeting significant reductions in SG&A expenses as part of the refranchising process [36][38] Question: Performance of clinics in Southern California - The clinics in Southern California are generally performing well, and the company is focused on finding strong operators for refranchising [40] Question: Insights on app utilization and engagement - While it's early to provide metrics, initial feedback on the app's patient experience has been very positive [42][43] Question: Timing for potential pricing increases - Management anticipates activating pricing changes in Q1 2026, pending insights from ongoing tests [45]

Product Update - ShapeShift is launching a feature to connect any wallet to their mobile app [1] - Users can connect wallets like MetaMask, Phantom, Rabby, and Keplr with one tap [1] - Using the ShapeShift UI through connected wallets saves users 80 bps (0.8%) on swap fees [1]

Privacy Concerns in Crypto - Cryptocurrency transactions are less private than traditional payments, surprising many users [1][2][19] - Existing privacy solutions in crypto, like those in MetaMask, offer limited protection, primarily against front-running, but not against broader financial surveillance [1][16][17] - The industry believes the lack of privacy is a significant problem in the crypto space, hindering its potential for broader adoption [6][7][19] Blank Square's Solution - Blank Square is developing a composable privacy stack for Web3, aiming to be a middleware for privacy, similar to Stripe [2][3][8] - The company offers an SDK for integration into wallets and other protocols, as well as a web app and a mobile app to showcase smooth privacy experiences [2][9][10] - Blank Square utilizes ZK (Zero-Knowledge) technology to create shielded pools, where funds from multiple users are mixed to obscure transaction origins [21][22] - The company offers two modes of privacy: deep integration with private accounts and one-click privacy for shallower integrations, balancing user experience with privacy [22][25][26] Compliance and Future Trends - Blank Square prioritizes compliance, offering a "shielder guard" for retroactive revocation of anonymity based on proof of illicit activity [31][33][34] - The company anticipates a fragmented privacy landscape in the future, with different protocols making different trade-offs between privacy and user experience [46][47] - The industry predicts that crypto payments will become more private in the future, driven by both crypto-native users and institutions entering the space [47][48] Call to Action - The company encourages users to download the mobile app, use the provided code, and provide feedback to improve the privacy experience [53] - The company emphasizes that privacy is not about hiding bad actions, but about protecting lawful actions from unlawful observers [54][55]

App Availability - The app is available for download on the Google Play Store [1] - The app is available for download on the Apple App Store [1]

App Availability - The app is available for download on the Google Play Store [1] - The app is available for download on the Apple App Store [1]

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Feedback Mechanism - The company directs users to a specific URL (https://t.co/elQb4aHgV7) for submitting feedback, requiring login [1] - The company is actively developing an "anytime" feedback integration within its Mobile App [1]