The CatoCATO +3.73%65 Days Payable is 62.07 as of Apr. 2026, which is 5% below its 10-year median of 65.59. GuruFocus rates CATO with a GF Score™ of 65/100 and a GF Value™ of $4.19 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,098 Retail - Cyclical companies, The Cato ranks better than 61.29% on this metric.
The Cato's average Accounts Payable for the
three
months ended in Apr. 2026 was $72.3 Mil. The Cato's Cost of Goods Sold for the
three
months ended in Apr. 2026 was $106.3 Mil.
Hence, The Cato's Days Payable for the
three
months ended in Apr. 2026 was 62.07.
The historical rank and industry rank for The Cato's Days Payable or its related term are showing as below:
CATO'
s Days Payable Range Over the Past 10 Years
Min: 54.77 Med: 65.59 Max: 73.84
Current: 67.03
During the past 13 years, The Cato's highest Days Payable was 73.84. The lowest was 54.77. And the median was 65.59.
CATO's Days Payable is ranked better than 61.29% of 1098
companies
in the Retail - Cyclical industry
Industry Median: 51.625
vs CATO: 67.03
The Cato's Days Payable
declined
from Apr. 2025 (74.92) to Apr. 2026 (62.07).
It may suggest that The Catoaccelerated paying its suppliers.
The Cato Days Payable Related Terms
The Cato Days Payable Historical Data
* Premium members only.
The historical data trend for The Cato's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Apparel Retail subindustry, The Cato's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Cato Days Payable vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, The Cato's Days Payable distribution charts can be found below:
* The bar in red indicates where The Cato's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
The Cato's Days Payable for the fiscal year that ended in Jan. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
The Cato (CATO) has a Days Payable of 62.07 as of Apr. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on The Cato and its competitors. This is near median its historical median of 65.59. Over the past decade, The Cato's Days Payable has ranged from 54.77 to 73.84. According to the industry distribution chart, The Cato ranks #425 out of 1098 companies in the Retail - Cyclical industry, placing it in the top 38.7%.
Is The Cato's Days Payable too high?
The Cato's current Days Payable of 62.07 is near median its 10-year median of 65.59. Over the past 10 years, this metric has ranged from a low of 54.77 to a high of 73.84. The Retail - Cyclical industry median Days Payable is 51.63. The Cato's value of 62.07 is 20.2% above this industry median. Based on the distribution chart, The Cato ranks #425 out of 1098 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, The Cato has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Cato's Days Payable compare to KMFG and BIRD?
According to the Retail - Cyclical industry distribution chart, The Cato ranks #425 out of 1098 companies for Days Payable. This puts The Cato in the upper half of its industry. The industry median Days Payable is 51.63. The Cato's value of 62.07 is 20.2% above this benchmark. Historically, The Cato's own Days Payable has ranged from 54.77 to 73.84 over the past decade. While the company's 10-year median is 65.59 vs. the industry median of 51.63, The Cato has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Retail - Cyclical company?
The median Days Payable among Retail - Cyclical companies is 51.63, based on 1,098 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Cato's current Days Payable of 62.07 is 20.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on The Cato and its competitors. For the Retail - Cyclical industry, the median Days Payable is 51.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Cato's current Days Payable is 62.07, which is near median its own 10-year median of 65.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Cato stock overvalued right now?
Based on GuruFocus' analysis, The Cato (CATO) is currently considered Modestly Undervalued. The stock's GF Value™ is $4.19, compared to a current price of $3.34 — trading 20.3% below its estimated fair value. The current Days Payable is 62.07, which is near median its 10-year median of 65.59 and 20.2% above the Retail - Cyclical industry median of 51.63. The Cato's overall GF Score™ is 65/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For The Cato (CATO), the current Days Payable is 62.07 as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The Cato (CATO) Overvalued in 2026?
Based on GuruFocus' analysis, The Cato stock appears to be undervalued.
The current stock price of $3.34 is trading 20.3% below its estimated GF Value™ of $4.19.
GuruFocus considers The Cato to be Modestly Undervalued.
Key valuation signals for CATO:
Days Payable: 62.07 (near median its 10-year median of 65.59)
GF Value™: $4.19 vs. price of $3.34 (20.3% below fair value)
Industry Position: 20.2% above the Retail - Cyclical median (#425 of 1098)
No single metric tells the full story. See the CATO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Cato Corp seeks to offer quality fashion apparel and accessories at low prices every day, in junior/missy and plus sizes. The Cato concept's stores and e-commerce website feature a broad assortment of apparel and accessories, including dressy, career, and casual sportswear, dresses, coats, shoes, lingerie, costume jewelry, and handbags. Management believes the Company's success is dependent upon its ability to differentiate its stores from department stores, mass merchandise discount stores, and competing specialty stores. The key elements of the Company's business are: Merchandise Assortment, Value Pricing, Strip Shopping Center Location, Customer Service, Credit and Layaway Programs.
65GF Score
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