CALERES INC (CAL) Stock Fundamental Analysis
NYSE:CAL • US1295001044
12.375 USD
+0.18 (+1.43%)
Last: Feb 18, 2026, 09:56 AM
We assign a fundamental rating of 5 out of 10 to CAL. CAL was compared to 121 industry peers in the Specialty Retail industry. There are concerns on the financial health of CAL while its profitability can be described as average. CAL is valued quite cheap, but it does not seem to be growing. Finally CAL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year CAL was profitable.
- CAL had a positive operating cash flow in the past year.
- CAL had positive earnings in 4 of the past 5 years.
- In the past 5 years CAL always reported a positive cash flow from operatings.
1.2 Ratios
- CAL has a Return On Assets of 0.97%. This is comparable to the rest of the industry: CAL outperforms 52.07% of its industry peers.
- CAL has a Return On Equity (3.28%) which is comparable to the rest of the industry.
- CAL has a Return On Invested Capital of 3.57%. This is comparable to the rest of the industry: CAL outperforms 53.72% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for CAL is in line with the industry average of 12.08%.
- The 3 year average ROIC (13.19%) for CAL is well above the current ROIC(3.57%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 3.28% | ||
| ROIC | 3.57% |
ROA(3y)8%
ROA(5y)1.53%
ROE(3y)29.28%
ROE(5y)-18.01%
ROIC(3y)13.19%
ROIC(5y)N/A
1.3 Margins
- CAL has a Profit Margin of 0.75%. This is comparable to the rest of the industry: CAL outperforms 52.07% of its industry peers.
- In the last couple of years the Profit Margin of CAL has grown nicely.
- The Operating Margin of CAL (2.30%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of CAL has grown nicely.
- CAL has a better Gross Margin (43.28%) than 63.64% of its industry peers.
- CAL's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.3% | ||
| PM (TTM) | 0.75% | ||
| GM | 43.28% |
OM growth 3Y-10.14%
OM growth 5Y6.49%
PM growth 3Y-7.2%
PM growth 5Y12.79%
GM growth 3Y0.52%
GM growth 5Y2.06%
2. Health
2.1 Basic Checks
- CAL has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- Compared to 1 year ago, CAL has less shares outstanding
- CAL has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for CAL is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 1.90 indicates that CAL is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 1.90, CAL is in line with its industry, outperforming 46.28% of the companies in the same industry.
- The Debt to FCF ratio of CAL is 32.29, which is on the high side as it means it would take CAL, 32.29 years of fcf income to pay off all of its debts.
- CAL has a Debt to FCF ratio (32.29) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 0.58 indicates that CAL is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.58, CAL is in line with its industry, outperforming 49.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 32.29 | ||
| Altman-Z | 1.9 |
ROIC/WACC0.36
WACC9.92%
2.3 Liquidity
- A Current Ratio of 1.06 indicates that CAL should not have too much problems paying its short term obligations.
- The Current ratio of CAL (1.06) is worse than 69.42% of its industry peers.
- A Quick Ratio of 0.33 indicates that CAL may have some problems paying its short term obligations.
- CAL has a Quick ratio of 0.33. This is in the lower half of the industry: CAL underperforms 67.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 0.33 |
3. Growth
3.1 Past
- CAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -58.90%.
- CAL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.39% yearly.
- The Revenue for CAL has decreased by -21.45% in the past year. This is quite bad
- Measured over the past years, CAL shows a decrease in Revenue. The Revenue has been decreasing by -1.40% on average per year.
EPS 1Y (TTM)-58.9%
EPS 3Y-8.47%
EPS 5Y9.39%
EPS Q2Q%-45.53%
Revenue 1Y (TTM)-21.45%
Revenue growth 3Y-0.66%
Revenue growth 5Y-1.4%
Sales Q2Q%6.63%
3.2 Future
- Based on estimates for the next years, CAL will show a small growth in Earnings Per Share. The EPS will grow by 2.08% on average per year.
- The Revenue is expected to decrease by -0.04% on average over the next years.
EPS Next Y-82.5%
EPS Next 2Y-28.4%
EPS Next 3Y-7.96%
EPS Next 5Y2.08%
Revenue Next Year3.71%
Revenue Next 2Y2.93%
Revenue Next 3Y3.46%
Revenue Next 5Y-0.04%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 7.88, the valuation of CAL can be described as very cheap.
- Based on the Price/Earnings ratio, CAL is valued cheaper than 95.04% of the companies in the same industry.
- CAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.16.
- Based on the Price/Forward Earnings ratio of 7.34, the valuation of CAL can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CAL indicates a rather cheap valuation: CAL is cheaper than 95.87% of the companies listed in the same industry.
- CAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.88 | ||
| Fwd PE | 7.34 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CAL is valued cheaper than 95.87% of the companies in the same industry.
- CAL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.16 | ||
| EV/EBITDA | 3.06 |
4.3 Compensation for Growth
- CAL has a very decent profitability rating, which may justify a higher PE ratio.
- A cheap valuation may be justified as CAL's earnings are expected to decrease with -7.96% in the coming years.
PEG (NY)N/A
PEG (5Y)0.84
EPS Next 2Y-28.4%
EPS Next 3Y-7.96%
5. Dividend
5.1 Amount
- CAL has a Yearly Dividend Yield of 2.41%.
- CAL's Dividend Yield is rather good when compared to the industry average which is at 2.26. CAL pays more dividend than 80.99% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.82, CAL pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
5.2 History
- The dividend of CAL has a limited annual growth rate of 0.25%.
- CAL has been paying a dividend for at least 10 years, so it has a reliable track record.
- CAL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.25%
Div Incr Years0
Div Non Decr Years26
5.3 Sustainability
- 46.69% of the earnings are spent on dividend by CAL. This is a bit on the high side, but may be sustainable.
- The dividend of CAL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP46.69%
EPS Next 2Y-28.4%
EPS Next 3Y-7.96%
NYSE:CAL (2/18/2026, 9:56:17 AM)
12.375
+0.18 (+1.43%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)12-09 2025-12-09/bmo
Earnings (Next)05-27 2026-05-27
Inst Owners102.06%
Inst Owner Change2.36%
Ins Owners4.06%
Ins Owner Change2.34%
Market Cap419.51M
Revenue(TTM)2.70B
Net Income(TTM)20.25M
Analysts76.67
Price Target17.34 (40.12%)
Short Float %14.15%
Short Ratio5.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
Yearly Dividend0.28
Dividend Growth(5Y)0.25%
DP46.69%
Div Incr Years0
Div Non Decr Years26
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-30.19%
Min EPS beat(2)-38.12%
Max EPS beat(2)-22.26%
EPS beat(4)1
Avg EPS beat(4)-16.84%
Min EPS beat(4)-40.32%
Max EPS beat(4)33.36%
EPS beat(8)1
Avg EPS beat(8)-14.13%
EPS beat(12)4
Avg EPS beat(12)-8%
EPS beat(16)8
Avg EPS beat(16)0.07%
Revenue beat(2)1
Avg Revenue beat(2)0.55%
Min Revenue beat(2)-0.68%
Max Revenue beat(2)1.77%
Revenue beat(4)1
Avg Revenue beat(4)-1.09%
Min Revenue beat(4)-3.21%
Max Revenue beat(4)1.77%
Revenue beat(8)1
Avg Revenue beat(8)-1.97%
Revenue beat(12)1
Avg Revenue beat(12)-2.24%
Revenue beat(16)3
Avg Revenue beat(16)-1.24%
PT rev (1m)0%
PT rev (3m)-10.53%
EPS NQ rev (1m)-5.5%
EPS NQ rev (3m)-240.24%
EPS NY rev (1m)-40.62%
EPS NY rev (3m)-66.99%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.68%
Revenue NY rev (1m)1.91%
Revenue NY rev (3m)3.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.88 | ||
| Fwd PE | 7.34 | ||
| P/S | 0.16 | ||
| P/FCF | 38.16 | ||
| P/OCF | 6.07 | ||
| P/B | 0.68 | ||
| P/tB | 1.01 | ||
| EV/EBITDA | 3.06 |
EPS(TTM)1.57
EY12.69%
EPS(NY)1.69
Fwd EY13.63%
FCF(TTM)0.32
FCFY2.62%
OCF(TTM)2.04
OCFY16.49%
SpS79.71
BVpS18.19
TBVpS12.2
PEG (NY)N/A
PEG (5Y)0.84
Graham Number25.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.97% | ||
| ROE | 3.28% | ||
| ROCE | 5.39% | ||
| ROIC | 3.57% | ||
| ROICexc | 3.65% | ||
| ROICexgc | 4.24% | ||
| OM | 2.3% | ||
| PM (TTM) | 0.75% | ||
| GM | 43.28% | ||
| FCFM | 0.41% |
ROA(3y)8%
ROA(5y)1.53%
ROE(3y)29.28%
ROE(5y)-18.01%
ROIC(3y)13.19%
ROIC(5y)N/A
ROICexc(3y)13.49%
ROICexc(5y)N/A
ROICexgc(3y)16.41%
ROICexgc(5y)N/A
ROCE(3y)18.87%
ROCE(5y)N/A
ROICexgc growth 3Y-17.97%
ROICexgc growth 5Y7.88%
ROICexc growth 3Y-16.7%
ROICexc growth 5Y11.74%
OM growth 3Y-10.14%
OM growth 5Y6.49%
PM growth 3Y-7.2%
PM growth 5Y12.79%
GM growth 3Y0.52%
GM growth 5Y2.06%
F-Score5
Asset Turnover1.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 32.29 | ||
| Debt/EBITDA | 2.86 | ||
| Cap/Depr | 93.84% | ||
| Cap/Sales | 2.15% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 55.67% | ||
| Profit Quality | 54.29% | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 0.33 | ||
| Altman-Z | 1.9 |
F-Score5
WACC9.92%
ROIC/WACC0.36
Cap/Depr(3y)105.11%
Cap/Depr(5y)79.57%
Cap/Sales(3y)1.94%
Cap/Sales(5y)1.55%
Profit Quality(3y)59.52%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-58.9%
EPS 3Y-8.47%
EPS 5Y9.39%
EPS Q2Q%-45.53%
EPS Next Y-82.5%
EPS Next 2Y-28.4%
EPS Next 3Y-7.96%
EPS Next 5Y2.08%
Revenue 1Y (TTM)-21.45%
Revenue growth 3Y-0.66%
Revenue growth 5Y-1.4%
Sales Q2Q%6.63%
Revenue Next Year3.71%
Revenue Next 2Y2.93%
Revenue Next 3Y3.46%
Revenue Next 5Y-0.04%
EBIT growth 1Y-71.89%
EBIT growth 3Y-10.74%
EBIT growth 5Y5%
EBIT Next Year-14.54%
EBIT Next 3Y8.36%
EBIT Next 5Y6.27%
FCF growth 1Y-93.92%
FCF growth 3Y-28.44%
FCF growth 5Y-15.2%
OCF growth 1Y-70.79%
OCF growth 3Y-14.69%
OCF growth 5Y-9.35%
CALERES INC / CAL FAQ
Can you provide the ChartMill fundamental rating for CALERES INC?
ChartMill assigns a fundamental rating of 5 / 10 to CAL.
What is the valuation status for CAL stock?
ChartMill assigns a valuation rating of 7 / 10 to CALERES INC (CAL). This can be considered as Undervalued.
What is the profitability of CAL stock?
CALERES INC (CAL) has a profitability rating of 6 / 10.
Can you provide the financial health for CAL stock?
The financial health rating of CALERES INC (CAL) is 3 / 10.
What is the expected EPS growth for CALERES INC (CAL) stock?
The Earnings per Share (EPS) of CALERES INC (CAL) is expected to decline by -82.5% in the next year.