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How Cato (CATO) makes money

Cato (CATO) made $166M of revenue in the second quarter fiscal 2027 (Q2 FY27), -6% from a year earlier. Retail Segment brought in $165M (100%); Credit Segment brought in $651K (0%).

Drawing the Sankey…

Cato revenue by segment, Q2 FY27Cato revenue by segment, Q2 FY27Retail Segment$165MCredit Segment$651K
Cato: revenue by line, Q1 FY26 to Q2 FY27Cato: revenue by line, Q1 FY26 to Q2 FY27Retail SegmentCredit SegmentRetail Segment: $165M latest$165MCredit Segment: $651K latestQ1 FY26Q2 FY26Q3 FY26Q1 FY27Q2 FY27
The mix barely moved between Q1 FY26 and Q2 FY27.
Cato revenue by quarterCato revenue by quarter$158MQ4 FY25$170MQ1 FY26$177MQ2 FY26$155MQ3 FY26$152MQ4 FY26$171MQ1 FY27$166MQ2 FY27
Cato: where each dollar of revenue goesCato: where each dollar of revenue goesIncome tax0¢Operating cash flow9¢Free cash flow8¢

Revenue by segment, Q2 FY27

SegmentRevenueShareQ/QY/Y
Retail Segment$165M99.6%-3%-6%
Credit Segment$651K0.4%-2%-0.3%

Where each dollar of revenue goes

LineQ2 FY27% of revenue
Revenue$166M100.0%
Income tax$147K0.1%
Operating cash flow$14.5M8.8%
Free cash flow$13.1M7.9%

Revenue, quarter by quarter

QuarterRevenueY/Y
Q2 FY27$166M-6%
Q1 FY27$171M+0.5%
Q4 FY26$152M-4%
Q3 FY26$155M+6%
Q2 FY26$177M+5%
Q1 FY26$170M-4%
Q4 FY25$158M-10%

From Cato's 10-Q filed Aug 27, 2026 (on EDGAR).

Questions

How does Cato make money?

Cato (CATO) made $166M of revenue in the second quarter fiscal 2027 (Q2 FY27), -6% from a year earlier. Retail Segment brought in $165M (100%); Credit Segment brought in $651K (0%).

What is Cato's biggest business?

Retail Segment: $165M in the second quarter fiscal 2027, 100% of revenue, -6% from a year earlier.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.