CATO (CATO) risk factors, FY2026 10-K

CATO's FY2026 10-K, filed Mar 25, 2026. The risk counts for this filing are not shown yet. The filing itself is linked below.

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What the changes say

  • The company added general operational risks regarding volume, reputation, and performance.
  • The ABL credit facility terms remain unchanged at a 35 million dollar loan cap.

What changed since the prior 10-K

New

  • Newoperational risks

    volume and adversely affect our results of operations and financial condition

    Volume declines could adversely affect our results of operations and financial condition.

  • NewRisks Relating to Our Information Technology, Related Systems and Cybersecurity

    reputation, or otherwise have a material and adverse impact on our business

    Damage to our reputation could have a material and adverse impact on our business.

  • NewRisks Relating to Accounting and Legal Matters

    adversely affect our reputation, business or financial performance

    Negative events could adversely affect our reputation, business or financial performance.

Dropped

  • DroppedRisks Relating to Our Information Technology, Related Systems and Cybersecurity

    business and operating results could be adversely affected

    General business and operating results could be adversely affected.

  • DroppedRisks Relating to Accounting and Legal Matters

    condition, results of operations or cash flows

    Financial condition, results of operations or cash flows could be impacted.

Reworded

  • 22% rewrittenRisks Relating to Our Investments and Liquidity

    reduced by specified reserves, as

    The ABL Facility borrowing base calculation and the 35 million dollar loan cap remain unchanged.

Risk factor headings as read

Headings as the filing states them, in filing order.

operational risks

  1. 01volume and adversely affect our results of operations and financial conditionNew

Risks Relating to Our Information Technology, Related Systems and Cybersecurity

  1. 02reputation, or otherwise have a material and adverse impact on our businessNew

Risks Relating to Accounting and Legal Matters

  1. 03adversely affect our reputation, business or financial performanceNew

Risks Relating to Our Investments and Liquidity

  1. 04reduced by specified reserves, as22% rewritten

Other CATO 10-Ks

  • FY2025 10-K risk factors
    Risk factors section under review

    The company faces broad risks to its business operations, financial condition, and cash flows. Borrowing capacity is constrained by specific reserve formulas tied to credit card receivables and inventory values.

    Filed Mar 31, 2025

About this page

The headings are the filing's own. The one-line readings and the overview are automated and can be wrong: read Item 1A of the 10-K for the exact wording.