CATO CORP

Listed Company

CATOCIK 0000018255NYSENon-AcceleratedSmaller ReportingRetail-Women'S Clothing StoresDelawareFY ends Jan 30

Period

FY 2026

Revenue

$653.81M

Net Income

$-5.91M

Total Assets

$421.42M

Equity

$157.31M

Shares Out

—

Op. Cash Flow

$-1.46M

Business

CATO CORP is a retailer of discretionary consumer apparel and accessories that sells clothing and related products. The company offers apparel, shoes and jewelry products. Key business segments or divisions are not specified in the provided Item 1 text. Geographic markets and distribution channels are not specified in the provided Item 1 text; the Item 1 disclosure emphasizes that continued high interest rates and inflationary pressures reduce customers’ discretionary income and their willingness to purchase apparel, shoes or jewelry.

Summary from filing dated 2025-03-31

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2026 2026-01-31	FY 2025 2025-01-31	FY 2024 2024-01-31	FY 2023 2023-01-31	FY 2022 2022-01-31
Retail sales	647	642	700	752	761
Other revenue (principally finance charges, late fees and layaway charges)	7	8	8	7	8
Total revenues	654	650	708	759	769
Cost of goods sold (exclusive of depreciation shown below)	432	436	464	510	453
Selling, general and administrative (exclusive of depreciation shown below)	226	231	253	243	267
Depreciation	10	10	10	11	12
Interest expense	115,000	59,000	35,000	87,000	72,000
Interest and other income	−7	−12	−5	−6	−2
Costs and expenses, net	661	666	722	757	730
Loss before income taxes	−8	−16	−14	2	39
Income tax (benefit) expense	−2	2	10	2	2
Net loss	−6	−18	−24	29,000	37
Basic earnings (loss) per share	−0.31	−0.97	−1.17	0	1.65
Diluted earnings (loss) per share	−0.31	−0.97	−1.17	0	1.65
Dividends per share	0	0.51	0.68	0.68	0.45
Net unrealized gain (loss) on available-for-sale securities for fiscal years 2025, 2024, and 2023, respectively	121,000	−242,000	2	−958,000	−1
Comprehensive loss	−6	−18	−22	−929,000	35

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2026 2026-01-31	FY 2025 2025-01-31	FY 2024 2024-01-31	FY 2023 2023-01-31	FY 2022 2022-01-31
Cash and cash equivalents	17	20	24	20	20
Short-term investments	57	57	79	109	146
Restricted cash	3	3	4	4	4
Accounts receivable, net of allowance for customer credit losses of $682 at January 31, 2026 and $581 at February 1, 2025	25	25	30	26	56
Merchandise inventories	84	111	99	112	125
Prepaid expenses and other current assets	8	7	8	7	5
Total Current Assets	193	223	243	278	356
Property and equipment - net	54	60	64	70	63
Other assets	20	20	25	22	24
Right-of-Use assets - net	154	149	155	174	181
Total Assets	421	452	487	553	634
Accounts payable	65	89	88	92	110
Accrued expenses	37	42	37	41	40
Accrued bonus and benefits	326,000	326,000	2	2	26
Current lease liability	54	58	61	67	67
Total Current Liabilities	156	188	188	203	244
Other noncurrent liabilities	11	13	14	16	18
Lease liability	97	88	92	107	118
Commitments and contingencies	—	—	—	—	—
Preferred stock, $100 par value per share, 100,000 shares authorized, none issued	0	0	0	0	0
Additional paid-in capital	131	130	127	122	120
Retained earnings	25	32	64	105	134
Accumulated other comprehensive income	274,000	153,000	395,000	−1	−280,000
Total Stockholders' Equity	157	162	192	227	254
Total Liabilities and Stockholders' Equity	421	452	487	553	634

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2026 2026-01-31	FY 2025 2025-01-31	FY 2024 2024-01-31	FY 2023 2023-01-31	FY 2022 2022-01-31
Provision for customer credit losses	856,000	654,000	554,000	280,000	429,000
Purchase premium and premium amortization of investments	−908,000	−1	−711,000	537,000	−332,000
(Gain) Loss on sale of assets held for investment	−37,000	−5	8,000	0	0
Share based compensation	2	2	4	3	4
Deferred income taxes	0	0	9	386,000	−3
(Gain) loss on disposal of property and equipment	−668,000	192,000	84,000	199,000	629,000
Impairment of assets	202,000	786,000	2	884,000	901,000
Accounts receivable	−1	1	−608,000	29	−3
Merchandise inventories	27	−12	13	13	−41
Prepaid and other assets	−1	−212,000	−216,000	2	−505,000
Operating lease right-of-use assets and liabilities	−511,000	−1	−2	−3	−4
Accrued income taxes	0	0	−613,000	−307,000	−1
Accounts payable, accrued expenses and other liabilities	−31	3	−10	−43	58
Net cash (used in) provided by operating activities	−1	−20	477,000	13	60
Expenditures for property and equipment	−4	−8	−13	−19	−4
Purchase of short-term investments	−25	−40	−48	−55	−142
Sales of short-term investments	27	63	80	90	121
Sales of other assets	867,000	14	−8,000	0	0
Net cash (used in) provided by investing activities	−1	29	20	16	−25
Dividends paid	0	−11	−14	−14	−10
Repurchase of common stock	−995,000	−4	−3	−15	−22
Proceeds from employee stock purchase plan	144,000	338,000	384,000	307,000	204,000
Net cash used in financing activities	−851,000	−14	−16	−29	−32
Net (decrease) increase in cash, cash equivalents, and restricted cash	−4	−5	4	115,000	3
Accrued property and equipment expenditures	337,000	329,000	942,000	685,000	657,000
Accrued treasury stock	0	27,000	0	0	0
Life insurance receivable	372,000	0	0	—	—

Filings

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