Dillard's is a large fashion apparel, cosmetics and home furnishing retailer operating physical stores across the southwest, southeast and midwest regions of the United States, plus an e-commerce platform. The company generates revenue primarily through merchandise sales across multiple categories including women's and men's apparel, accessories, cosmetics, shoes and home furnishings, supplemented by income from a private label credit card program managed in partnership with a financial institution. Dillard's maintains differentiation through an exclusive brand portfolio and competes on factors including location, merchandise selection, price, quality and customer service.