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Cato Corporation CATO Allowance for credit losses

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Segments

By product

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Credit Card$215K

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

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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:ProvisionForOtherCreditLosses.

The official record: Cato Corporation’s 10-K, filed March 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Cato Corporation's allowance for credit losses?
Cato Corporation (CATO) reported allowance for credit losses of $163.5K in Q4 2025.
How has Cato Corporation's allowance for credit losses changed year-over-year?
Cato Corporation's allowance for credit losses decreased by 23.6% year-over-year, from $214K to $163.5K.
What is the long-term trend for Cato Corporation's allowance for credit losses?
Over 4 years (2021 to 2025), Cato Corporation's allowance for credit losses has grown at a 7.8% compound annual growth rate (CAGR), from $485K to $654K.
What does allowance for credit losses mean?
An expense recognized to account for the estimated portion of receivables or loans that the company expects will not be collected. This reflects the credit risk inherent in the company's customer base or credit-related business segments. High or increasing provisions may signal deteriorating credit quality or a more conservative approach to risk management.