Cash equivalents include highly liquid investments with an original maturity of three months or less from the time of purchase. Cash equivalents also include amounts due from third-party financial institutions for credit and debit card transactions. These receivables typically settle in five days or less.


Cash and Cash Equivalents (millions)	January 31, 2026		February 1, 2025

Cash	$	250	$	276
Receivables from third-party financial institutions for credit and debit card transactions	627		593
Short-term investments	4,611		3,893
Cash and Cash Equivalents (a)	$	5,488	$	4,762

(a)We have access to these funds without any significant restrictions, taxes, or penalties.

As of January 31, 2026, and February 1, 2025, we included book overdrafts of $221 million and $157 million, respectively, in Accounts Payable and $7 million and $8 million, respectively, in Accrued and Other Current Liabilities.