What does credit card — notes receivable gross mean?

This metric represents the total outstanding balance owed by customers on private-label credit accounts before any allowances for doubtful accounts. It serves as a primary indicator of the scale of the company's consumer credit portfolio and the extent to which credit is utilized to drive retail sales. Monitoring this balance helps assess the company's exposure to consumer credit risk and the overall size of its lending operations.

Cato Corporation CATO Credit Card — Notes Receivable Gross

Similar metrics at other companies

NAVIConsumer Lending — Notes Receivable Net

$15.65B-0.3%

NAVNCredit card receivables

$221.42M—

SGUCustomer Credit Balances

$29.67M-33.4%

LUVCredit card receivables

$206M+7.3%

CCBGNon Real Estate Secured — Notes Receivable Gross

$1.07M-15.0%

USCBNotes Receivable Gross Including Deferred Costs

$2.24B+10.1%

Other financials

Income statement

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Revenue$171.1M+0.5%

Gross profit$64.8M+6.3%

Operating income$9.0M+160%

Net income$9.3M+181%

EPS (diluted)$0.47+176%

Balance sheet

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Cash & equivalents$28.1M-17.4%

Total debt$145.0M+9.4%

Total equity$166.7M+1.1%

Total assets$439.2M-0.4%

Cash flow

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Operating cash flow$8.0M+108%

CapEx$1.1M+4.7%

Free cash flow$7.0M+145%

Valuation

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Market cap$64.67M+22.3%

Enterprise value$181.61M+19.9%

P/E710.6×—

P/S0.1×0.0×

Profitability

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Gross margin34.5%+1.9pp

Operating margin-1.1%-0.5pp

Net margin0%0.0pp

FCF margin-0.2%-0.1pp

Returns & leverage

See full

Return on equity0.1%0.0pp

Debt / equity0.9×+0.1×

Current ratio1.3×+0.1×

Where this comes from

Reported directly by Cato Corporation in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableGross.

The official record: Cato Corporation’s 10-Q, filed May 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cato Corporation's credit card — notes receivable gross?: Cato Corporation (CATO) reported credit card — notes receivable gross of $0 in Q1 2026.
What does credit card — notes receivable gross mean?: This metric represents the total outstanding balance owed by customers on private-label credit accounts before any allowances for doubtful accounts. It serves as a primary indicator of the scale of the company's consumer credit portfolio and the extent to which credit is utilized to drive retail sales. Monitoring this balance helps assess the company's exposure to consumer credit risk and the overall size of its lending operations.