CATO (The Cato) LT-Debt-to-Total-Asset: 0.21 (As of Apr. 2026)

What is The Cato LT-Debt-to-Total-Asset?

The Cato CATO +1.23% 65 LT-Debt-to-Total-Asset is 0.21 as of Apr. 2026. GuruFocus rates CATO with a GF Score™ of 65/100 and a GF Value™ of $4.18 (Modestly Undervalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. The Cato's long-term debt to total assests ratio for the quarter that ended in Apr. 2026 was 0.21.

The Cato's long-term debt to total assets ratio increased from Apr. 2025 (0.18) to Apr. 2026 (0.21). It may suggest that The Cato is progressively becoming more dependent on debt to grow their business.

The Cato (NYSE:CATO) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

The Cato LT-Debt-to-Total-Asset Related Terms

The Cato LT-Debt-to-Total-Asset Historical Data

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The historical data trend for The Cato's LT-Debt-to-Total-Asset 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.

The Cato LT-Debt-to-Total-Asset Chart

The Cato Annual Data

Trend

Jan17

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Jan24

Jan25

Jan26

LT-Debt-to-Total-Asset

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0.19

0.20

0.23

The Cato Quarterly Data
	Jul21	Oct21	Jan22	Apr22	Jul22	Oct22	Jan23	Apr23	Jul23	Oct23	Jan24	Apr24	Jul24	Oct24	Jan25	Apr25	Jul25	Oct25	Jan26	Apr26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.18	0.17	0.26	0.23	0.21

65GF Score

The Cato Corp CATO

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The Cato LT-Debt-to-Total-Asset Calculation

The Cato's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jan. 2026 is calculated as

LT Debt to Total Assets (A: Jan. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Jan. 2026 )	/	Total Assets (A: Jan. 2026 )
	=	96.941	/	421.419
	=	0.23

The Cato's Long-Term Debt to Total Asset Ratio for the quarter that ended in Apr. 2026 is calculated as

LT Debt to Total Assets (Q: Apr. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Apr. 2026 )	/	Total Assets (Q: Apr. 2026 )
	=	92.939	/	439.18
	=	0.21

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.21 mean?

The Cato (CATO) has a LT-Debt-to-Total-Asset of 0.21 as of Apr. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on The Cato and its competitors.

Is The Cato's LT-Debt-to-Total-Asset too high?

The Cato's current LT-Debt-to-Total-Asset is 0.21. 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 LT-Debt-to-Total-Asset compare to KMFG and BIRD?

The Cato's LT-Debt-to-Total-Asset of 0.21 can be compared against companies in the Retail - Cyclical industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Retail - Cyclical company?

A good LT-Debt-to-Total-Asset depends on the Retail - Cyclical industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on The Cato and its competitors. The Cato's current LT-Debt-to-Total-Asset is 0.21. 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 $4.18, compared to a current price of $3.28 — trading 21.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.21. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For The Cato (CATO), the current LT-Debt-to-Total-Asset is 0.21 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 $3.28 is trading 21.5% below its estimated GF Value™ of $4.18. GuruFocus considers The Cato to be Modestly Undervalued.

Key valuation signals for CATO:

LT-Debt-to-Total-Asset: 0.21
GF Value™: $4.18 vs. price of $3.28 (21.5% below fair value)
GF Score™: 65/100 with 2 warning signs

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 Business Description

Industry Consumer Cyclical Retail - Cyclical

Comparable Companies KMFG BIRD BRIA DXLG RENT LVLU AKA DBGI IVDN TLYS XMAD:ITX TJX TSE:9983 ROST LSE:NXT BURL BOM:500251 LULU TSX:ATZ GAP

Other Exchanges CO2A:Germany

Address 8100 Denmark Road, Charlotte, NC, USA, 28273-5975

Website https://www.catofashions.com

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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$3.28

Price

$4.18

GF Value

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