Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Mixed evidenceCoverage 4/5 core metricsLatest reported free cash flow was -$5M.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- Free cash flow was negative
Latest reported free cash flow was -$5M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2026-01-31.
- 2 filing risk checks flagged
Flagged areas: Solvency & liquidity.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue was broadly stable
Latest reported annual revenue changed +0.7% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2026-01-31.
- Operating margin improved
Operating margin changed +2.1 percentage points from the prior annual period.
Why this surfaced
Direction threshold: more than +1 percentage point constructive; below -1 point caution. Period end 2026-01-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Solvency & liquidity
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2026-01-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Reportable Segments Retail$651M99.6%+0.6% yoy
- Reportable Segments Credit$2.65M0.4%-1.6% yoy
Members sum to the consolidated $647M for this period.
- Reportable Segments Retail-$14.8M117.3%-48.1% yoy
- Reportable Segments Credit$2.19M-17.3%-1.9% yoy
Members sum to the consolidated -$12.7M for this period.
- Credit Card$21.4M100.0%-1.8% yoy
Members sum to $21.4M against $647M consolidated (residual $625M) - eliminations or corporate lines the filer did not tag on this axis.
- Retail Segment$170M99.6%+0.5% yoy
- Credit Segment$665K0.4%0.0% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2026-01-31 · among 4,121 US-listed filers · 481 in Consumer| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $647M | 48thof 3,301 middle third | 31stof 463 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 0.7% | 32ndof 3,135 bottom third | 35thof 449 middle third |
Operating margin operating income ÷ revenue | -2.0% | 40thof 2,819 middle third | 25thof 432 bottom third |
Net margin net income ÷ revenue | -0.9% | 40thof 3,263 middle third | 30thof 459 bottom third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | -0.8% | 33rdof 2,679 bottom third | 21stof 417 bottom third |
Return on equity net income ÷ stockholders' equity (positive equity only) | -3.8% | 38thof 3,577 middle third | 28thof 410 bottom third |
Interest coverage operating income ÷ interest expense (interest expense > 0) | -110.1× | 8thof 819 bottom third | 3rdof 134 bottom third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 0.3% | 94thof 2,895 top third | 82ndof 414 top third |
Days sales outstanding receivables ÷ revenue × 365 · lower is ranked higher | 14 days | 86thof 2,398 top third | 65thof 382 middle third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | -1.0% | 27thof 3,545 bottom third | 17thof 413 bottom third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2026-01-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 5 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Operating income OperatingIncomeLoss | fiscal year 2023-01-28 | $1.77M 10-K 2023-03-23 | -$3.58M 10-K 2025-03-31 | -302.1% | first · latest · 3 filings carry it |
| Operating income OperatingIncomeLoss | quarter 2024-08-03 | $738K 10-Q 2024-08-29 | -$623K 10-Q 2025-08-28 | -184.4% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2024-05-04 | $11.6M 10-Q 2024-05-30 | $6.13M 10-Q 2025-05-29 | -47.3% | first · latest |
| Operating income OperatingIncomeLoss | fiscal year 2024-02-03 | -$13.8M 10-K 2024-03-27 | -$17.9M 10-K 2026-03-25 | -29.7% | first · latest · 3 filings carry it |
| Operating income OperatingIncomeLoss | quarter 2024-11-02 | -$14.8M 10-Q 2024-11-26 | -$17M 10-Q 2025-11-25 | -15.1% | first · latest |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for CATO yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.