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GAP
Annual Report 2019

GPS · NYSE Consumer Cyclical
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Industry Apparel - Retail
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FY2019 Annual Report · GAP
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2019 
ANNUAL 
REPORT

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-K 

(Mark One)

☑ Annual report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the fiscal year ended February 1, 2020 

☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

For the transition period from                      to                     

Commission File Number 1-7562 
THE GAP, INC.
(Exact name of registrant as specified in its charter)

Delaware
(State of Incorporation)

94-1697231
(I.R.S. Employer Identification No.)

Two Folsom Street 
San Francisco, California 94105 
(Address of principal executive offices)

Securities registered pursuant to Section 12(b) of the Act:

Registrant’s telephone number, including area code: (415) 427-0100 

Title of each class

Trading Symbol

Name of each exchange on which registered

Common Stock, $0.05 par value

GPS

The New York Stock Exchange

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
Yes ☑   No ☐
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. 
Yes ☐   No ☑
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the
Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to
file such reports), and (2) has been subject to such filing requirements for the past 90 days.  
Yes ☑   No ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted
pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was
required to submit such files). Yes ☑   No ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller
reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller
reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act:

Large accelerated filer ☑ Accelerated filer ☐  Non-accelerated filer ☐  Smaller reporting company ☐ Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period
for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange
Act.  ¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). 

Yes ☐   No ☑

The aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant as of August 2,
2019 was approximately $4 billion based upon the last price reported for such date in the NYSE-Composite transactions.

The number of shares of the registrant’s common stock outstanding as of March 11, 2020 was 371,301,527.

Portions of the registrant’s Proxy Statement for the Annual Meeting of Shareholders to be held on May 19, 2020 (hereinafter
referred to as the “2020 Proxy Statement”) are incorporated into Part III.

Documents Incorporated by Reference

Special Note on Forward-Looking Statements
This Annual Report on Form 10-K contains forward-looking statements within the “safe harbor” provisions of the
Private Securities Litigation Reform Act of 1995. All statements other than those that are purely historical are
forward-looking statements. Words such as “expect,” “anticipate,” “believe,” “estimate,” “intend,” “plan,” “project,”
and similar expressions also identify forward-looking statements. Forward-looking statements include, but are not
limited to, statements regarding the following:

• intent to operate in a more rigorous and transformational manner; 

• plans to restructure the Gap brand specialty fleet, including anticipated store closures and timing, associated

pre-tax costs and charges, impact to annualized sales, and effect on annualized savings;

• the potential impact of COVID-19 on both our projected customer demand and supply chain, as well as our

consolidated financial position, consolidated results of operations, and consolidated cash flows in fiscal 2020;

• improving inventory productivity by leveraging responsive capabilities; 

• investing in digital and customer capabilities, as well as store experience; 

• increasing productivity by leveraging our scale and streamlining operations and processes; 

• attracting and retaining strong talent in our businesses and functions; 

• continuing to integrate social and environmental sustainability into business practices; 

• investing strategically in the business while maintaining operating expense discipline; 

• transforming our product to market process; 

• continuing our investment in customer experience to drive higher customer engagement and loyalty;

• continuing to invest in strengthening our brand awareness, customer acquisition, and digital capabilities; 

• utilizing data, analytics, and technology to respond faster while making decisions; 

• store openings and closings in fiscal 2020;

• impact of foreign currency exchange rate fluctuations in fiscal 2020; 

• extinguishing our 5.95 percent notes due April 2021, and entering into a new long-term debt arrangement and a

new secured revolving credit facility; 

• current cash balances and cash flows being sufficient to support our business operations, and the expected

impact of extensive store closures on our need for additional credit;

• ability to supplement near-term liquidity, if necessary, with our $500 million revolving credit facility or other

available market instruments; 

• the impact of the seasonality of our operations;

• dividend payments in fiscal 2020; 

• the impact if actuals differ substantially from estimates and assumptions used in accounting calculations and

policies; 

• the impact of recent accounting pronouncements;

• recognition of revenue deferrals as revenue; 

• impact of violating financial and other covenants under our five-year, unsecured revolving credit facility; 

• unrealized gains and losses from designated cash flow hedges; 

• recognition of unrecognized share-based compensation expense; 

 
• total gross unrecognized tax benefits;

• the impact of losses due to indemnification obligations; 

• the outcome of proceedings, lawsuits, disputes, and claims; and

• the impact of changes in internal control over financial reporting.

Because these forward-looking statements involve risks and uncertainties, there are important factors that could
cause our actual results to differ materially from those in the forward-looking statements. These factors include,
without limitation, the following:

• the risk that we or our franchisees will be unsuccessful in gauging apparel trends and changing consumer

preferences;

• the highly competitive nature of our business in the United States and internationally;

• engaging in or seeking to engage in strategic transactions that are subject to various risks and uncertainties; 

• the risk that failure to maintain, enhance and protect our brand image could have an adverse effect on our

results of operations;

• the risk that the failure to manage key executive succession and retention and to continue to attract qualified

personnel could have an adverse impact on our results of operations; 

• the risk that our investments in customer, digital, and omni-channel shopping initiatives may not deliver the

results we anticipate;

• the risk that if we are unable to manage our inventory effectively, our gross margins will be adversely affected;

• the risks to our business, including our costs and supply chain, associated with global sourcing and

manufacturing;

• the risk that we are subject to data or other security breaches that may result in increased costs, violations of

law, significant legal and financial exposure, and a loss of confidence in our security measures, which could

have an adverse effect on our results of operations and our reputation;

• the risk that a failure of, or updates or changes to, our information technology (“IT”) systems may disrupt our

operations;

• the risk that changes in global economic conditions or consumer spending patterns could adversely impact our

results of operations;

• the risks to our efforts to expand internationally, including our ability to operate in regions where we have less

experience;

• the risk that we or our franchisees will be unsuccessful in identifying, negotiating, and securing new store

locations and renewing, modifying, or terminating leases for existing store locations effectively;

• the risks to our reputation or operations associated with importing merchandise from foreign countries, including

failure of our vendors to adhere to our Code of Vendor Conduct;

• the risk that our franchisees’ operation of franchise stores is not directly within our control and could impair the

value of our brands;

• the risk that trade matters could increase the cost or reduce the supply of apparel available to us and adversely

affect our business, financial condition, and results of operations;

• the risk that foreign currency exchange rate fluctuations could adversely impact our financial results; 

 
• the risk that comparable sales and margins will experience fluctuations;

• the risk that changes in our credit profile or deterioration in market conditions may limit our access to the capital

markets and adversely impact our financial results or our business initiatives;

• the risk that changes in the regulatory or administrative landscape could adversely affect our financial condition

and results of operations;

• the risk that natural disasters, public health crises, political crises, negative global climate patterns, or other

catastrophic events could adversely affect our operations and financial results, or those of our franchisees or

vendors;

• the risk that reductions in income and cash flow from our credit card arrangement related to our private label

and co-branded credit cards could adversely affect our operating results and cash flows;

• the risk that the adoption of new accounting pronouncements will impact future results;

• the risk that we do not repurchase some or all of the shares we anticipate purchasing pursuant to our

repurchase program; and

• the risk that we will not be successful in defending various proceedings, lawsuits, disputes, and claims.

Additional information regarding factors that could cause results to differ can be found in this Annual Report on
Form 10-K and our other filings with the U.S. Securities and Exchange Commission (“SEC”).

Future economic and industry trends that could potentially impact net sales and profitability are difficult to predict.
These forward-looking statements are based on information as of March 17, 2020, and we assume no obligation
to publicly update or revise our forward-looking statements even if experience or future changes make it clear that
any projected results expressed or implied therein will not be realized.

 
THE GAP, INC.
2019 ANNUAL REPORT ON FORM 10-K
TABLE OF CONTENTS

Item 1.

Business

Item 1A. Risk Factors

Item 1B. Unresolved Staff Comments

Item 2.

Properties

Item 3.

Legal Proceedings

Item 4. Mine Safety Disclosures

PART I

PART II

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases

of Equity Securities

Item 6.

Selected Financial Data

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

Item 8.

Financial Statements and Supplementary Data

Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure

Item 9A. Controls and Procedures

Item 9B. Other Information

Item 10. Directors, Executive Officers and Corporate Governance

Item 11. Executive Compensation

PART III

Item 12. Security Ownership of Certain Beneficial Owners and Management

and Related Stockholder Matters

Item 13. Certain Relationships and Related Transactions, and Director Independence

Item 14. Principal Accounting Fees and Services

PART IV

Item 15. Exhibits, Financial Statement Schedules

Item 16. Form 10-K Summary

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Part I

Item 1. Business. 
General

The Gap, Inc. (Gap Inc., the “Company,” “we,” and “our”) was incorporated in the State of California in July 1969
and was reincorporated in the State of Delaware in May 1988.

Gap Inc. is a leading global apparel retail company. We offer apparel, accessories, and personal care products for
men, women, and children under the Old Navy, Gap, Banana Republic, Athleta, Intermix, Janie and Jack, and Hill
City brands. Our portfolio of distinct brands across multiple channels and geographies, combined with our size and
scale which allows for strategic and advantageous partnerships with our third-party vendors and suppliers
throughout the organization, gives us a competitive advantage in the global retail marketplace. 

Gap Inc. is an omni-channel retailer, with sales to customers both in stores and online, through Company-operated
and franchise stores, websites, and third-party arrangements. Gap Inc. has Company-operated stores in the
United States, Canada, the United Kingdom, France, Ireland, Japan, Italy, China, Hong Kong, Taiwan, and Mexico.
We also have franchise agreements with unaffiliated franchisees to operate Old Navy, Gap, and Banana Republic
stores throughout Asia, Europe, Latin America, the Middle East, and Africa. Under these agreements, third parties
operate stores that sell apparel and related products under our brand names. Most of the products sold under our
brand names are designed by us and manufactured by independent sources. We also sell products that are
designed and manufactured by branded third parties, primarily at our Intermix brand.

Gap Inc. uses omni-channel capabilities to bridge the digital world and physical stores, creating world-class
shopping experiences regardless of where or how our customers shop. The Company's suite of omni-channel
services, including order-in-store, reserve-in-store, find-in-store, buy-online-pick-up-in-store, and ship-from-store,
as well as mobile shopping experiences, are uniquely tailored across its portfolio of brands.

Old Navy.  Old Navy is an American value apparel brand that makes current essentials accessible to everyone.
The brand celebrates the democracy of style through on-trend, playfully optimistic, affordable, high-quality
product, and inclusive size ranges. Old Navy is committed to creating incredible shopping experiences regardless
of where, when and how customers choose to shop, including a fun store experience, a dynamic online channel
and convenient omni-channel capabilities. Old Navy opened its first store in 1994 in the United States and since
has expanded to more than 1,200 stores, including Company-operated stores in Canada, China, and Mexico, as
well as franchise stores around the world. Old Navy believes in the power of the next generation, and through its
cause platform, Onward!, supports the Boys & Girls Clubs of America to help turn learners into leaders.

Gap.  Gap is an iconic apparel and accessories brands anchored in optimistic, casual, American style. Founded
in San Francisco in 1969, the brand's collections continue to build the foundation of modern wardrobes—all things
denim, tees, fleece, and khakis, along with must-have trends.

Gap is designed to build the foundation of modern wardrobes through every stage of life with apparel and
accessories for adult men and women under the Gap name, in addition to GapKids, babyGap, GapMaternity,
GapBody, and GapFit collections. Beginning in 1987 with the opening of the first store outside North America in
London, Gap continues to connect with customers around the world through specialty stores, online, and
franchise stores. In addition, we bring the brand to value-conscious customers, with exclusively designed
collections for Gap Outlet and Gap Factory stores and online. 

Banana Republic.  Acquired in 1983 as a travel and adventure outfitter, Banana Republic is now a global apparel
and accessories brand focused on delivering modern, versatile classics designed for a life with no
boundaries. Curious, connected and out in the world, Banana Republic provides a wardrobe of favorites—
clothing, eyewear, jewelry, shoes, handbags, and fragrances—all made for a life in motion with the finest
materials and fabric innovations. Customers can purchase Banana Republic products globally in our specialty
stores, factory stores, online, and franchise stores.

1

Athleta.  Athleta is a premium fitness and lifestyle brand creating beautiful, technical, sustainable apparel to
inspire a community of active, confident women and girls. Established in 1998 and acquired by Gap Inc. in 2008,
Athleta integrates technical features and innovative design across its women's collection to carry her through a
life in motion, from yoga, training and sports, to everyday activities and travel. In 2016, the Company launched
Athleta Girl, mirroring its signature performance in styles for the next generation. In 2019, Athleta announced its
partnership with decorated track and field athlete and activist, Allyson Felix, to empower women and girls through
sports. Ms. Felix became Athleta's first-ever sponsored athlete. Customers can purchase Athleta products in the
United States through its stores and catalogs, or globally online.

Athleta has been certified as a benefit corporation ("B Corp"), furthering its commitment to using our business as
a force for good to drive social and environmental impact. The Company met rigorous standards across social
and environmental performance, accountability, and transparency. Additionally, Athleta's legal charter was
amended to become a Delaware public benefit corporation, further demonstrating its commitment to people and
the planet. With this accreditation, Gap Inc. has become one of the largest publicly-traded retail companies with a
B Corp certified subsidiary apparel brand.

Intermix.  Intermix is a curated, omni-channel, women's fashion business comprised of 33 boutiques with hyper-
localized assortments and a growing e-commerce channel. The brand is known for curating the most sought-after
styles from a compelling mix of both established and emerging designers. Founded in 1993 and acquired by Gap
Inc. in 2012, Intermix delivers a highly personalized shopping experience across both channels, with
complimentary personal stylists on-hand to work one-on-one with clients to create looks that make them feel
confident while making fashion fun and inspiring.

Janie and Jack. Janie and Jack is a premium children's apparel brand acquired by Gap Inc. in 2019. Janie and
Jack is a design house with every kid at heart that encourages individual style from the start. Janie and Jack
creates collections featuring modern twists on classic fashion and is known for family moments, thoughtful details
and memorable gifts. Customers can shop sizes newborn through 6 years in 139 stores in the United States and
all sizes through 12 years online at janieandjack.com. 

Hill City.  Hill City is a premium-performance men's apparel brand offering highly technical clothing for every part
of life. Launched in 2018, Hill City fuses a minimal aesthetic with technical innovation, allowing men to own more
versatile clothing. Hill City is a B Corp certified brand, meeting the highest standards for social and environmental
performance, transparency, and accountability.

The range of merchandise displayed in each store varies depending on the selling season and the size and
location of the store. Stores are generally open seven days per week (where permitted by law) and most holidays.

We ended fiscal 2019 with 3,345 Company-operated stores and 574 franchise store locations. For more
information on the number of stores by brand and region, see the table included in Item 7, Management's
Discussion and Analysis of Financial Condition and Results of Operations, of this Form 10-K.

Old Navy, Gap, Banana Republic, and Athleta each have a private label credit card program and a co-branded
credit card program through which frequent customers receive benefits. Private label and co-branded credit cards
are provided by a third-party financing company, with associated revenue sharing arrangements reflected in Gap
Inc. operations. We have a multi-tender loyalty rewards program, Bright Rewards, active across each of these
brands in select markets. All of our brands issue and redeem gift cards. 

Certain financial information about international operations is set forth under the heading "Segment Information" in
Note 17 of Notes to Consolidated Financial Statements included in Item 8, Financial Statements and
Supplementary Data, of this Form 10-K.

2

Product Development

We design, develop, market, and sell a wide range of apparel, footwear and accessories products reflecting a mix
of basics and fashion items based on widely accepted fashion trends, striving to bring product to market quickly
and provide unrivaled value to customers. Our product teams research, test and iterate each season to deliver the
latest styles in fabrics and silhouettes that are made to last. We leverage feedback and purchasing data from our
customer database, along with market trend insight, to guide our product and merchandising decision-making. 

Marketing and Advertising

We use a variety of marketing and advertising mediums to drive brand health, customer acquisition, and
engagement. We leverage our growing customer database and respond to shopping behaviors and needs with
personalized content across email, site, and digital media to drive relevance and urgency. Our diversified media
mix spans traditional to digital to social media. We focus on productivity of marketing investment to drive increased
effectiveness.

Merchandise Vendors

We purchase private label and non-private label merchandise from about 800 vendors. Our vendors have factories
in about 30 countries. Our two largest vendors accounted for about 7 and 6 percent of the dollar amount of our
total fiscal 2019 purchases. Of our merchandise purchased during fiscal 2019, substantially all purchases, by
dollar value, were from factories outside the United States. Approximately 32 percent of our fiscal 2019 purchases,
by dollar value, were from factories in Vietnam. Approximately 16 percent of our fiscal 2019 purchases, by dollar
value, were from factories in China. Product cost increases or events causing disruption of imports from Vietnam,
China, or other foreign countries, including the imposition of additional import restrictions or taxes, or vendors
potentially failing due to political, financial, public health crises or regulatory issues, could have an adverse effect
on our operations. Substantially all of our foreign purchases of merchandise are negotiated and paid for in U.S.
dollars. Also see the sections entitled “Risk Factors—Our business is subject to risks associated with global
sourcing and manufacturing," "Risk Factors—Risks associated with importing merchandise from foreign countries,
including failure of our vendors to adhere to our Code of Vendor Conduct, could harm our business,” “Risk Factors
—Trade matters may disrupt our supply chain” and "Risk Factors—Our results could be adversely affected by
natural disasters, public health crises, political crises, negative global climate patterns, or other catastrophic
events" in Item 1A, Risk Factors, of this Form 10-K.

Seasonal Business

Our business follows a seasonal pattern, with sales peaking during the end-of-year holiday period.

Brand Building

Our ability to develop and evolve our existing brands is a key to our success. We believe our distinct brands are
among our most important assets. With the exception of Intermix, virtually all aspects of brand development, from
product design and distribution to marketing, merchandising and shopping environments, are controlled by Gap
Inc. employees. With respect to Intermix, we control all aspects of brand development except for product design
related to third-party products. We continue to invest in our business and enhance the customer experience
through significant investments in our supply chain and digital capabilities, investments in marketing, enhancement
of our omni-channel shopping experience, remodeling of existing stores, and international expansion.

Trademarks and Service Marks

Old Navy, Gap, GapKids, babyGap, GapMaternity, GapBody, GapFit, Banana Republic, Athleta, Intermix, Janie
and Jack, and Hill City trademarks and service marks, and certain other trademarks and service marks, have been
registered, or are the subject of pending trademark applications, with the United States Patent and Trademark
Office and with the registries of many foreign countries and/or are protected by common law.

3

Franchising

We have franchise agreements with unaffiliated franchisees to operate Old Navy, Gap, and Banana Republic
stores in a number of countries throughout Asia, Europe, Latin America, the Middle East, and Africa. Under these
agreements, third parties operate, or will operate, stores that sell apparel and related products under our brand
names. For additional information on risks related to our franchise business, see the sections entitled “Risk Factors
—Our efforts to expand internationally may not be successful” and “Risk Factors—Our franchise business is
subject to certain risks not directly within our control that could impair the value of our brands” in Item 1A, Risk
Factors, of this Form 10-K.

Inventory

The nature of the retail business requires us to carry a significant amount of inventory, especially prior to the peak
holiday selling season when we, along with other retailers, generally build up inventory levels. We maintain a large
part of our inventory in distribution centers. We review our inventory levels in order to identify slow-moving
merchandise and broken assortments (items no longer in stock in a sufficient range of sizes or colors) and we
primarily use promotions and markdowns to clear merchandise. Also see the sections entitled “Risk Factors—We
must successfully gauge apparel trends and changing consumer preferences to succeed,” "Risk Factors—If we
are unable to manage our inventory effectively, our gross margins could be adversely affected," and "Risk Factors
—Our results could be adversely affected by natural disasters, public health crises, political crises, negative global
climate patterns, or other catastrophic events" in Item 1A, Risk Factors, of this Form 10-K.

Competitors

The global apparel retail industry is highly competitive. We compete with local, national, and global apparel
retailers. Also see the section entitled “Risk Factors—Our business is highly competitive” in Item 1A, Risk Factors,
of this Form 10-K.

Employees

As of February 1, 2020, we had a workforce of approximately 129,000 employees, which includes a combination
of part-time and full-time employees. We also hire seasonal employees, primarily during the peak holiday selling
season. 

To remain competitive in the retail apparel industry, we must attract, develop, and retain skilled employees in our
design, merchandising, supply chain, marketing, information technology, and other functions, as well as in our
stores and distribution centers. Competition for such personnel is intense. Our success is dependent to a
significant degree on the continued contributions of key employees. Also see the section entitled “Risk Factors—
Our failure to manage key executive succession and retention and to continue to attract qualified personnel could
have an adverse impact on our results of operations” in Item 1A, Risk Factors, of this Form 10-K.

Available Information

We make available on our website, www.gapinc.com, under “Investors,” free of charge, our annual reports on Form
10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports as soon as
reasonably practicable after we electronically file or furnish them to the SEC.

Our Board of Directors Committee Charters (Audit and Finance, Compensation and Management Development,
and Governance and Sustainability Committees) and Corporate Governance Guidelines are also available on our
website under “Investors, Governance.” Our Code of Business Conduct can be found on our website under
“Investors, Corporate Compliance, Code of Business Conduct Overview.” Any amendments and waivers to the
Code will also be available on the website.

Information about our sustainability efforts is available online at www.gapincsustainability.com, which provides
information on our policies, social impact and environmental programs, as well as our sustainability strategy and
data. Also available at www.gapincsustainability.com is a Sustainability Accounting Standards Board (SASB) table,
which provides comparable data for our industry.

4

Information about our Executive Officers

The following are our executive officers:

Name, Age, Position, and Principal Occupation:

Mark Breitbard, 52, President and Chief Executive Officer, Specialty Brands effective March 23, 2020; President
and Chief Executive Officer, Banana Republic from May 2017 to March 23, 2020; Chief Executive Officer, The
Gymboree Corporation from January 2013 to April 2017; President, Gap North America from 2012 to January
2013; Executive Vice President, Gap North America Merchandising from 2011 to 2012; and Executive Vice
President, GapKids and babyGap from 2010 to 2011.

Shawn Curran, 56, Executive Vice President and Chief Operating Officer effective March 23, 2020; Executive
Vice President, Global Supply Chain and Product Operations from October 2017 to March 23, 2020; Executive
Vice President, Global Supply Chain - Logistics and Product Operations from April 2016 to October 2017;
Executive Vice President, Global Supply Chain from August 2015 to April 2016; and Senior Vice President,
Logistics from 2012 to August 2015.

Robert Fisher, 65, Interim President and Chief Executive Officer from November 2019 to March 23, 2020; Non-
executive Chairman from February 2015 to March 23, 2020; Interim President and Chief Executive Officer from
January 2007 to August 2007; Non-executive Chairman from 2004 to August 2007; Executive Vice President and
President of Gap North America from 1997 to 1999; and Chief Operating Officer from 1995 to 1997.

Julie Gruber, 54, Executive Vice President, Global General Counsel, Corporate Secretary, and Chief
Compliance Officer since February 2016; Senior Vice President and General Counsel from March 2015 to
February 2016; Vice President and Deputy General Counsel from 2007 to March 2015; and Associate General
Counsel from 2003 to 2007.

Teri List-Stoll, 57, Executive Vice President and Chief Financial Officer from January 2017 to March 23, 2020;
Executive Vice President and Chief Financial Officer, Dick’s Sporting Goods, Inc. from August 2015 to
September 2016; Executive Vice President and Chief Financial Officer, Kraft Foods Group, Inc. from September
2013 to May 2015; and Senior Vice President and Treasurer, Procter & Gamble Co. from 2008 to August 2013. 

Michele Nyrop, 51, Executive Vice President and Chief People Officer since September 2019; Senior Vice
President, Human Resources from January 2017 to September 2019; Senior Vice President, Human Resources,
Banana Republic from January 2017 to February 2019; and Vice President, Human Resources, Gap from
February 2015 to January 2017.

Katrina O'Connell, 50, Executive Vice President and Chief Financial Officer effective March 23, 2020; Chief
Financial Officer and Senior Vice President of Strategy & Innovation, Old Navy from January 2017 to March 23,
2020; and Chief Financial Officer and Senior Vice President of Strategy, Banana Republic from March 2015 to
January 2017. Ms. O'Connell has previously held various roles at the Company focused on both financial
budgeting and forecasting for the Company's portfolio of brands, as well as roles in supply chain, IT, treasury and
investor relations.

Sonia Syngal, 50, President and Chief Executive Officer effective March 23, 2020; President and Chief
Executive Officer, Old Navy from April 2016 to March 23, 2020; Executive Vice President, Global Supply Chain
and Product Operations from February 2015 to April 2016; and Executive Vice President, Global Supply Chain
from November 2013 to January 2015. Since joining the Company in 2004, Ms. Syngal has served in key
leadership and general management roles including Managing Director for the Company's Europe business,
Senior Vice President for the Company's International division and Senior Vice President for the Company's
International Outlet division. Prior to joining the Company, Sonia had a long career in Fortune 500 product
companies, including Sun Microsystems where she led manufacturing operations, logistics and supply chain
management, and at Ford Motor Co. where she held roles in product design, quality and manufacturing
engineering.

5

Item 1A. Risk Factors.
Our past performance may not be a reliable indicator of future performance because actual future results and
trends may differ materially depending on a variety of factors, including but not limited to the risks and
uncertainties discussed below. In addition, historical trends should not be used to anticipate results or trends in
future periods.

We must successfully gauge apparel trends and changing consumer preferences to succeed.

Our success is largely dependent upon our ability to gauge the tastes of our customers and to provide
merchandise that satisfies customer demand in a timely manner. However, lead times for many of our design and
purchasing decisions may make it more difficult for us to respond rapidly to new or changing apparel trends or
consumer acceptance of our products. The global apparel retail business fluctuates according to changes in
consumer preferences, dictated in part by apparel trends and season. To the extent we misjudge the market for
our merchandise or the products suitable for local markets, or fail to execute trends and deliver products to the
market as timely as our competitors, our sales will be adversely affected, and the markdowns required to move
the resulting excess inventory will adversely affect our operating results. 

Our business is highly competitive.

The global apparel retail industry is highly competitive. We and our franchisees compete with local, national, and
global department stores, specialty and discount store chains, independent retail stores, and online businesses
that market similar lines of merchandise. We face a variety of competitive challenges in an increasingly complex
and fast-paced environment, including:

• anticipating and quickly responding to changing apparel trends and customer demands;

• attracting customer traffic both in stores and online;

• competitively pricing our products and achieving customer perception of value;

• maintaining favorable brand recognition and effectively marketing our products to customers in several diverse

market segments and geographic locations;

• anticipating and responding to changing customer shopping preferences and practices, including the increasing

shift to digital brand engagement, social media communication, and online shopping;

• developing innovative, high-quality products in sizes, colors, and styles that appeal to customers of varying age

groups and tastes; 

• purchasing and stocking merchandise to match seasonal weather patterns, and our ability to react to shifts in

weather that impact consumer demand; 

• sourcing and allocating merchandise efficiently; and

• improving the effectiveness and efficiency of our processes in order to deliver cost savings to fund growth.

If we or our franchisees are not able to compete successfully in the United States or internationally, our results of
operations would be adversely affected.

Global economic conditions and any related impact on consumer spending patterns could adversely
impact our results of operations.

Our performance is subject to global economic conditions, as well as their impact on levels of consumer spending
worldwide. Some of the factors that may influence consumer spending include high levels of unemployment,
pandemics (such as the impact of the current coronavirus disease (COVID-19) pandemic, including reduced store
traffic and widespread temporary store closures), higher consumer debt levels, reductions in net worth based on
market declines and uncertainty, home foreclosures and reductions in home values, fluctuating interest and
foreign currency rates and credit availability, government austerity measures, fluctuating fuel and other energy
costs, fluctuating commodity prices, and general uncertainty regarding the overall future economic environment.
Consumer purchases of discretionary items, including our merchandise, generally decline during periods when
disposable income is adversely affected or there is economic uncertainty.

6

Adverse economic changes in any of the regions in which we and our franchisees sell our products could reduce
consumer confidence, and thereby could negatively affect earnings and have a material adverse effect on our
results of operations. In challenging and uncertain economic environments, we cannot predict whether or when
such circumstances may improve or worsen, or what impact, if any, such circumstances could have on our
business, results of operations, cash flows, and financial position.

We may engage in or seek to engage in strategic transactions, such as acquisitions and dispositions, that
are subject to various risks and uncertainties, which could disrupt or adversely affect our businesses.

We may engage in or seek to engage in strategic transactions, such as acquisitions or dispositions, which we may
not be able to complete on anticipated terms or time frames, or at all, or which may not generate some or all of
the strategic, financial, operational or other benefits we expect to realize from such transactions on such
anticipated time frames or at all.  In addition, these transactions may be complex in nature, and unanticipated
developments or changes, including changes in law, the macroeconomic environment, market conditions, the
retail industry or political conditions may affect our ability to complete such transactions.  In addition, the process
of completing these transactions may be time-consuming and involve significant costs and expenses, which may
be significantly higher than what we anticipate and may not yield a benefit if the transactions are not completed
successfully, and executing these transactions may require significant time and attention from our senior
management and employees, which could disrupt our ongoing business and adversely affect the financial results
and results of operations.  We may also experience increased difficulties in attracting, retaining and motivating
employees and/or attracting and retaining customers during the pendency or following the completion of any of
these transactions, which could harm our businesses.  

In particular, on January 16, 2020, we announced that we would no longer pursue our previously announced plan
to separate into two independent publicly traded companies.  We incurred significant costs and expenses in
connection with our planned separation, which required significant attention from our senior management and
employees, and we expect that the process of unwinding the separation-related work will be time-consuming, will
involve additional costs and expenses, and may result in difficulties attracting, retaining and motivating
employees, which could harm our business and adversely affect the financial results and results of operations.  

Any of these factors could have a material adverse effect on our business, financial condition, results of
operations, cash flows and/or the price of our common stock.

We must maintain our reputation and brand image.

Our brands have wide recognition, and our success has been due in large part to our ability to maintain, enhance
and protect our brand image and reputation and our customers’ connection to our brands. Our continued success
depends in part on our ability to adapt to a rapidly changing media environment, including our increasing reliance
on social media and online dissemination of advertising campaigns. Even if we react appropriately to negative
posts or comments about us and/or our brands on social media and online, our customers’ perception of our
brand image and our reputation could be negatively impacted. In addition, customer sentiment could be shaped
by our sustainability policies and related design, sourcing and operations decisions. Failure to maintain, enhance
and protect our brand image could have a material adverse effect on our results of operations.

Our failure to manage key executive succession and retention and to continue to attract qualified
personnel could have an adverse impact on our results of operations.

Our ability to anticipate and effectively respond to changing apparel trends depends in part on our ability to attract
and retain key personnel in our design, merchandising, sourcing, marketing, and other functions. In addition,
several of our strategic initiatives, including our technology initiatives and supply chain initiatives, require that we
hire and/or develop employees with appropriate experience. We must also attract, develop, and retain a sufficient
number of qualified field and distribution center personnel. Competition for talent is intense and the turnover rate
in the retail industry is generally high, and we cannot be sure that we will be able to attract and retain a sufficient
number of qualified personnel in future periods. Our ability to meet our labor needs while controlling costs is
subject to external factors such as unemployment levels, prevailing wage rates, minimum wage legislation, and
overtime regulations. If we are unable to retain, attract, and motivate talented employees with the appropriate skill
sets, or if changes to our organizational structure, operating results, or business model adversely affect morale or

7

retention, we may not achieve our objectives and our results of operations could be adversely impacted. In
addition, the loss of one or more of our key personnel or the inability to effectively identify a suitable successor to
a key role could have a material adverse effect on our business. Since the beginning of fiscal 2019, there have
been significant changes to our executive leadership team, including the departures of our Chief Executive Officer
and our President and Chief Executive Officer of Gap brand and the upcoming departure of our Chief Financial
Officer, and the appointment of a new Chief People Officer. In March 2020, we promoted Sonia Syngal to Chief
Executive Officer and Katrina O'Connell to Chief Financial Officer. The effectiveness of our leaders, including our
new Chief Executive Officer and Chief Financial Officer, and any further transition, could have a significant impact
on our results of operations.

Our investments in customer, digital, and omni-channel shopping initiatives may not deliver the results
we anticipate.

One of our strategic priorities is to further develop an omni-channel shopping experience for our customers
through the integration of our store and digital shopping channels. Our omni-channel initiatives include cross-
channel logistics optimization and exploring additional ways to develop an omni-channel shopping experience,
including further digital integration and customer personalization. These initiatives involve significant investments
in IT systems and significant operational changes. In addition, our competitors are also investing in omni-channel
initiatives, some of which may be more successful than our initiatives. If the implementation of our customer,
digital, and omni-channel initiatives is not successful, or we do not realize the return on our investments in these
initiatives that we anticipate, our operating results would be adversely affected.

If we are unable to manage our inventory effectively, our gross margins could be adversely affected.

Fluctuations in the global apparel retail markets impact the levels of inventory owned by apparel retailers. The
nature of the global apparel retail business requires us to carry a significant amount of inventory, especially prior
to the peak holiday selling season when we build up our inventory levels. Merchandise usually must be ordered
well in advance of the season and frequently before apparel trends are confirmed by customer purchases. We
must enter into contracts for the purchase and manufacture of merchandise well in advance of the applicable
selling season. As a result, we are vulnerable to demand and pricing shifts and to suboptimal selection and timing
of merchandise purchases. In the past, we have not always predicted our customers’ preferences and acceptance
levels of our trend items with accuracy. If sales do not meet expectations (for example, because of unexpected
effects on inventory supply and consumer demand caused by the coronavirus disease (COVID-19) pandemic),
too much inventory may cause excessive markdowns and, therefore, lower-than-planned margins.

We have key strategic initiatives designed to optimize our inventory levels and increase the efficiency and
responsiveness of our supply chain, including vendor fabric platforming, product demand testing, and in-season
rapid response to demand. We are also developing additional capabilities to analyze customer behavior and
demand, which we believe will allow us to better localize assortment and improve store-level allocations, such as
size allocation, to further tailor our assortments to customer needs and increase sell-through. Further, we intend
to leverage technology and data science to digitize product creation, integrate with our consolidated vendor base,
and further optimize our product-to-market processes and supply chain to enhance our in-season responsiveness
and reduce our exposure to fashion volatility. These initiatives and additional capabilities involve significant
changes to our inventory management systems and processes. If we are unable to implement these initiatives
and integrate these additional capabilities successfully, we may not realize the return on our investments that we
anticipate, and our operating results could be adversely affected.

Our business is subject to risks associated with global sourcing and manufacturing.

Independent third parties manufacture all of our products for us. As a result, we are directly impacted by increases
in the cost of those products.

If we experience significant increases in demand or need to replace an existing vendor, there can be no
assurance that additional manufacturing capacity will be available when required on terms that are acceptable to
us or that any vendor would allocate sufficient capacity to us in order to meet our requirements. In addition, for
any new manufacturing source, we may encounter delays in production and added costs as a result of the time it
takes to train our vendors in our methods, products, quality control standards, and environmental, labor, health,

8

and safety standards. Moreover, in the event of a significant disruption in the supply of the fabrics or raw materials
used by our vendors in the manufacture of our products, our vendors might not be able to locate alternative
suppliers of materials of comparable quality at an acceptable price. Any delays, interruption, or increased costs in
the manufacture of our products could result in lower sales and net income. In addition, certain countries
represent a larger portion of our global sourcing. For example, in fiscal 2019, approximately 32 percent and 16
percent of our merchandise, by dollar value, is purchased from factories in Vietnam and China, respectively.
Accordingly, any delays in production and added costs in Vietnam or China could have a more significant impact
on our results of operations.

Because independent vendors manufacture virtually all of our products outside of our principal sales markets,
third parties must transport our products over large geographic distances. Delays in the shipment or delivery of
our products due to the availability of transportation, work stoppages, port strikes, infrastructure congestion, public
health emergencies, social unrest, changes in local economic conditions, political upheavals, or other factors, and
costs and delays associated with transitioning between vendors, could adversely impact our financial
performance. Operating or manufacturing delays, transportation delays, or unexpected demand for our products
may require us to use faster, but more expensive, transportation methods such as aircraft, which could adversely
affect our gross margins. In addition, the cost of fuel is a significant component of transportation costs, so
increases in the price of petroleum products can adversely affect our gross margins.

If our vendors, or any raw material vendors on which our vendors rely, suffer prolonged manufacturing or
transportation disruptions due to public health conditions, such as the recent coronavirus disease (COVID-19)
pandemic, or other unforeseen events, our ability to source product could be adversely impacted which would
adversely affect our results of operations.

We are subject to data and security risks, which could have an adverse effect on our results of operations
and consumer confidence in our security measures.

As part of our normal operations, we receive and maintain confidential, proprietary, and personally identifiable
information, including credit card information, and information about our customers, our employees, job
applicants, and other third parties. Our business employs systems and websites that allow for the secure storage
and transmission of this information. However, despite our safeguards and security processes and protections,
security breaches could expose us to a risk of loss or misuse of this information, litigation, and potential liability.
The retail industry, in particular, has been the target of many recent cyber-attacks. We may not have the
resources to anticipate or prevent rapidly evolving types of cyber-attacks. Attacks may be targeted at us, our
vendors or customers, or others who have entrusted us with information. In addition, even if we take appropriate
measures to safeguard our information security and privacy environment from security breaches, we could still
expose our customers and our business to risk. Actual or anticipated attacks may disrupt or impair our technology
capabilities, and may cause us to incur increasing costs, including costs to deploy additional personnel and
protection technologies, train employees, and engage third-party experts and consultants. Advances in computer
capabilities, new technological discoveries, or other developments may result in the technology used by us to
protect transaction or other data being breached or compromised. Measures we implement to protect against
cyber attacks may also have the potential to impact our customers’ shopping experience or decrease activity on
our websites by making them more difficult to use. Data and security breaches can also occur as a result of non-
technical issues, including intentional or inadvertent breaches by our employees or by persons with whom we
have commercial relationships that result in the unauthorized release of personal or confidential information. In
addition, the global regulatory environment surrounding information security, cybersecurity, and privacy is
increasingly demanding, with new laws, such as the European Union’s General Data Protection Regulation
(GDPR) and the California Consumer Privacy Act, which give customers the right to control how their personal
information is collected, used and retained. Violating these rights, or failing to secure personal information, could
result in a violation of applicable privacy and other laws, significant legal and financial exposure, and a loss of
consumer confidence in our security measures, which could have an adverse effect on our results of operations
and our reputation.

9

Failures of, or updates or changes to, our IT systems may disrupt operations.

We maintain a complex technology platform consisting of both legacy and modern systems. These systems
require continual maintenance, upgrades and changes, some of which are significant. Upgrades involve replacing
existing systems with successor systems, making changes to existing systems, or cost-effectively acquiring new
systems with new functionality. We are aware of inherent risks associated with maintaining and replacing these
systems, including accurately capturing data and addressing system disruptions and believe we are taking
appropriate action to mitigate the risks through testing, training, and staging implementation, as well as ensuring
appropriate commercial contracts are in place with third-party vendors supplying or supporting our IT initiatives.
However, there can be no assurances that we will successfully maintain or launch these systems as planned or
that they will be implemented without disruptions to our operations. IT system disruptions or failures, if not
anticipated and appropriately mitigated, or failure to successfully implement new or upgraded systems, could
have a material adverse effect on our results of operations.

Our efforts to expand internationally may not be successful.

Our current strategies include pursuing selective international expansion in a number of countries around the
world through a number of channels. This includes our franchisees opening additional stores internationally. We
have limited experience operating or franchising in some of these locations. In many of these locations, we face
major, established competitors. In addition, in many of these locations, the real estate, employment and labor,
transportation and logistics, regulatory, and other operating requirements differ dramatically from those in the
places where we have more experience. Consumer tastes and trends may differ in many of these locations and,
as a result, the sales of our products may not be successful or result in the margins we anticipate. If our
international expansion plans are unsuccessful or do not deliver an appropriate return on our investments, our
operations and financial results could be materially, adversely affected.

The market for real estate is competitive.

Our ability to effectively obtain real estate to open new stores, distribution centers, and corporate offices nationally
and internationally depends on the availability of real estate that meets our criteria for traffic, square footage, co-
tenancies, lease economics, demographics, and other factors. We also must be able to effectively renew our
existing store leases. In addition, we may seek to downsize, consolidate, reposition, relocate, or close some of
our real estate locations, which in most cases requires a modification of an existing store lease. For example, on
February 28, 2019, we announced plans to restructure our fleet of specialty stores and revitalize the Gap brand,
including closing about 230 specialty stores during fiscal 2019 and fiscal 2020. Failure to secure adequate new
locations, successfully modify or exit existing locations, or effectively manage the profitability of our existing fleet
of stores, could have a material adverse effect on our results of operations.

Additionally, the economic environment may at times make it difficult to determine the fair market rent of real
estate properties within the United States and internationally. This could impact the quality of our decisions to
exercise lease options at previously negotiated rents and the quality of our decisions to renew expiring leases at
negotiated rents. Any adverse effect on the quality of these decisions could impact our ability to retain real estate
locations adequate to meet our targets or efficiently manage the profitability of our existing fleet of stores, or
cause impairments of our lease right of use assets as market values decline, any of which could have a material
adverse effect on our financial condition or results of operations.

Risks associated with importing merchandise from foreign countries, including failure of our vendors to
adhere to our Code of Vendor Conduct, could harm our business.

We purchase nearly all merchandise from third-party vendors in many different countries, and we require those
vendors to adhere to a Code of Vendor Conduct, which includes environmental, labor, health, and safety
standards. From time to time, contractors or their subcontractors may not be in compliance with these standards
or applicable local laws. Although we have implemented policies and procedures to facilitate our compliance with
laws and regulations relating to doing business in foreign markets and importing merchandise into various
countries, there can be no assurance that suppliers and other third parties with whom we do business will not
violate such laws and regulations or our policies. Significant or continuing noncompliance with such standards

10

and laws by one or more vendors could have a negative impact on our reputation, could subject us to liability, and
could have an adverse effect on our results of operations.

Our franchise business is subject to certain risks not directly within our control that could impair the
value of our brands.

We enter into franchise agreements with unaffiliated franchisees to operate stores and, in limited circumstances,
websites, in many countries around the world. Under these agreements, third parties operate, or will operate,
stores and websites that sell apparel and related products under our brand names. The effect of these
arrangements on our business and results of operations is uncertain and will depend upon various factors,
including the demand for our products in new markets internationally and our ability to successfully identify
appropriate third parties to act as franchisees, distributors, or in a similar capacity. In addition, certain aspects of
these arrangements are not directly within our control, such as franchisee financial stability and the ability of these
third parties to meet their projections regarding store locations, store openings, and sales. Other risks that may
affect these third parties include general economic conditions in specific countries or markets, foreign exchange
rates, changes in diplomatic and trade relationships, restrictions on the transfer of funds, and political instability.
Moreover, while the agreements we have entered into and plan to enter into in the future provide us with certain
termination rights, the value of our brands could be impaired to the extent that these third parties do not operate
their stores in a manner consistent with our requirements regarding our brand identities and customer experience
standards. Failure to protect the value of our brands, or any other harmful acts or omissions by a franchisee,
could have an adverse effect on our results of operations and our reputation.

Trade matters may disrupt our supply chain.

Trade restrictions, including increased tariffs or quotas, embargoes, safeguards, and customs restrictions against
apparel items, as well as U.S. or foreign labor strikes, work stoppages, or boycotts, could increase the cost or
reduce the supply of apparel available to us and adversely affect our business, financial condition, and results of
operations. We cannot predict whether any of the countries in which our merchandise currently is manufactured or
may be manufactured in the future will be subject to additional trade restrictions imposed by the United States or
other foreign governments, including the likelihood, type, or effect of any such restrictions. For example, the
current political landscape and recent tariffs imposed by the U.S. and other countries in response has introduced
greater uncertainty with respect to future tax and trade regulations. In addition, we face the possibility of anti-
dumping or countervailing duties lawsuits from U.S. domestic producers. We are unable to determine the impact
of the changes to the quota system or the impact that potential tariff lawsuits could have on our global sourcing
operations. Our sourcing operations may be adversely affected by trade limits or political and financial instability,
resulting in the disruption of trade from exporting countries, significant fluctuation in the value of the U.S. dollar
against foreign currencies, restrictions on the transfer of funds, or other trade disruptions. Changes in tax policy or
trade regulations, such as the imposition of new tariffs on imported products, could have a material adverse effect
on our business and results of operations.

Our business is exposed to the risks of foreign currency exchange rate fluctuations and our hedging
strategies may not be effective in mitigating those risks.

We are exposed to foreign currency exchange rate risk with respect to our sales, operating expenses, profits,
assets, and liabilities generated or incurred in foreign currencies as well as inventory purchases in U.S. dollars for
our foreign subsidiaries. Although we use financial instruments to hedge certain foreign currency risks, these
measures may not succeed in fully offsetting the negative impact of foreign currency rate movements and
generally only delay the impact of adverse foreign currency rate movements on our business and financial results. 

We experience fluctuations in our comparable sales and margins.

Our success depends in part on our ability to grow sales and improve margins, in particular at our largest brands.
A variety of factors affect comparable sales or margins, including but not limited to apparel trends, competition,
current economic conditions, the timing of new merchandise releases and promotional events, changes in our
merchandise mix, the success of marketing programs, foreign currency fluctuations, industry traffic trends, and
weather conditions. These factors may cause our comparable sales results and margins to differ materially from

11

prior periods and from expectations. Our comparable sales, including the associated comparable online sales,
have fluctuated significantly in the past on an annual and quarterly basis. Over the past fiscal year, our reported
quarterly comparable sales have ranged from a high of negative 1 percent in the fourth quarter of fiscal 2019 to a
low of negative 4 percent in the first, second and third quarters of fiscal 2019. Over the past five years, our
reported gross margins have ranged from a high of 38.3 percent in fiscal 2017 to a low of 36.2 percent in fiscal
2015. In addition, over the past five years, our reported operating margins have ranged from a high of 9.6 percent
in fiscal 2015 to a low of 3.5 percent in fiscal 2019.

Our ability to deliver strong comparable sales results and margins depends in large part on accurately forecasting
demand and apparel trends, selecting effective marketing techniques, providing an appropriate mix of
merchandise for our broad and diverse customer base, managing inventory effectively, using effective pricing
strategies, and optimizing store performance. Failure to meet the expectations of investors, securities analysts, or
credit rating agencies in one or more future periods could reduce the market price of our common stock, cause
our credit ratings to decline, and impact liquidity.

Changes in our credit profile or deterioration in market conditions may limit our access to the capital
markets and adversely impact our financial position or our business initiatives.

In April 2011, we issued $1.25 billion aggregate principal amount of 5.95 percent notes due April 2021. As a result,
we have additional costs that include interest payable semi-annually on the notes.

Our cash flows from operations are the primary source of funds for these debt service payments. In this regard,
we have generated annual cash flow from operating activities in excess of $1 billion per year for well over a
decade and ended fiscal 2019 with $1.4 billion of cash and cash equivalents on our balance sheet. We are also
able to supplement near-term liquidity, if necessary, with our $500 million revolving credit facility. We continue to
target a cash balance between $1.0 billion to $1.2 billion, which provides not only for our working capital needs,
but also a reserve for unexpected business downturns. However, if our cash flows from operating activities
decline significantly, including any such decline related to reduced store traffic and widespread temporary store
closures as a result of the coronavirus disease (COVID-19) pandemic, we may be required to reprioritize our
business initiatives to ensure that we can continue to service or refinance our debt with favorable rates and terms.
In addition, any future reduction in our long-term senior unsecured credit ratings could result in reduced access to
the credit and capital markets, and higher interest costs and potentially increased lease or hedging costs.
Reduction in our credit ratings could also negatively impact our ability to extinguish our Notes and enter into a
new long-term debt arrangement.

In November 2019, Standard and Poor’s Ratings Service downgraded their credit rating of us from BB+ stable
outlook to BB negative outlook. This downgrade, and any future reduction in our long-term senior unsecured
credit ratings, could result in reduced access to the credit and capital markets, more restrictive covenants in future
financial documents and higher interest costs, and potentially increased lease or hedging costs.

For further information on our debt and credit facilities, see Item 8, Financial Statements and Supplementary
Data, Note 5 and Note 6 of Notes to Consolidated Financial Statements of this Form 10-K.

Changes in the regulatory or administrative landscape could adversely affect our financial condition and
results of operations.

Laws and regulations at the local, state, federal, and international levels frequently change, and the ultimate cost
of compliance cannot be precisely estimated. In addition, we cannot predict the impact that may result from
changes in the regulatory or administrative landscape.

Any changes in laws or regulations, the imposition of additional laws or regulations, or the enactment of any new
or more stringent legislation that impacts employment and labor, trade, product safety, transportation and logistics,
health care, tax, cybersecurity, privacy, operations, or environmental issues, among others, could have an
adverse impact on our financial condition and results of operations.

12

Our results could be adversely affected by natural disasters, public health crises, political crises,
negative global climate patterns, or other catastrophic events.

Natural disasters, such as hurricanes, tornadoes, floods, earthquakes, and other adverse weather conditions;
unforeseen public health crises, such as pandemics and epidemics (including, for example, the current
coronavirus disease (COVID-19) pandemic); political crises, such as terrorist attacks, war, labor unrest, and other
political instability; negative global climate patterns, especially in water stressed regions; or other catastrophic
events, such as fires or other disasters occurring at our distribution centers or our vendors' manufacturing
facilities, whether occurring in the United States or internationally, could disrupt our operations, including the
operations of our franchisees or the operations of one or more of our vendors. In particular, these types of events
could impact our supply chain from or to the impacted region and could impact our ability or the ability of our
franchisees or other third parties to operate our stores or websites. For example, the COVID-19 pandemic has the
potential to significantly impact our supply chain if the factories that manufacture our products are temporarily
closed or experience worker shortages. In addition, these types of events could negatively impact consumer
spending in the impacted regions or, depending upon the severity, globally. For example, if customers’ concerns
over potential exposure to COVID-19 or social distancing measures imposed by governments cause customers to
avoid shopping centers and other retail locations, our store revenue could be adversely impacted. Disasters
occurring at our vendors’ manufacturing facilities could impact our reputation and our customers’ perception of
our brands. To the extent any of these events occur, our operations and financial results could be adversely
affected.

Reductions in income and cash flow from our credit card arrangement related to our private label and co-
branded credit cards could adversely affect our operating results and cash flows. 

A third-party, Synchrony Financial ("Synchrony"), owns and services our private label credit card and co-branded
programs for our Gap, Old Navy, Banana Republic and Athleta brands. Our agreement with Synchrony provides
for certain payments to be made by Synchrony to us, including a share of revenues from the performance of the
credit card portfolios. The income and cash flow that we receive from Synchrony is dependent upon a number of
factors, including the level of sales on private label and co-branded accounts, the level of balances carried on the
accounts, payment rates on the accounts, finance charge rates and other fees on the accounts, the level of credit
losses for the accounts, Synchrony’s ability to extend credit to our customers, as well as the cost of customer
rewards programs. All of these factors can vary based on changes in federal and state credit card, banking, and
commercial protection laws. The factors affecting the income and cash flow that we receive from Synchrony can
also vary based on a variety of economic, legal, social, and other factors that we cannot control. If the income and
cash flow that we receive from the consumer credit card program agreement with Synchrony decreases
significantly, our operating results and cash flows could be adversely affected.

We are subject to various proceedings, lawsuits, disputes, and claims from time to time, which could
adversely affect our business, financial condition, and results of operations.

As a multinational company, we are subject to various proceedings, lawsuits, disputes, and claims (“Actions”)
arising in the ordinary course of our business. Many of these Actions raise complex factual and legal issues and
are subject to uncertainties. Actions filed against us from time to time include commercial, intellectual property,
customer, employment, and data privacy claims, including class action lawsuits. The plaintiffs in some Actions
seek unspecified damages or injunctive relief, or both. Actions are in various procedural stages and some are
covered in part by insurance. We cannot predict with assurance the outcome of Actions brought against us.
Accordingly, developments, settlements, or resolutions may occur and impact income in the quarter of such
development, settlement, or resolution. An unfavorable outcome could have an adverse impact on our business,
financial condition and results of operations. 

Item 1B. Unresolved Staff Comments.
None.

13

Item 2. Properties.
We have Company-operated stores in the United States, Canada, the United Kingdom, France, Ireland, Japan,
Italy, China, Hong Kong, Taiwan, and Mexico. As of February 1, 2020, we had 3,345 Company-operated stores,
which aggregated to approximately 37.0 million square feet. Almost all of these stores are leased, typically with
one or more renewal options after our initial term. Terms vary by type and location of store.

We own approximately 1.2 million square feet of corporate office space located in San Francisco, Pleasanton, and
Rocklin, California. We lease approximately 0.6 million square feet of corporate office space located in: San
Francisco and Rocklin, California; New York and Brooklyn, New York; Albuquerque, New Mexico; and Toronto,
Ontario, Canada. We also lease regional offices in North America and in various international locations. We own
approximately 9.3 million square feet of distribution space located in: Fresno, California; Fishkill, New York;
Groveport, Ohio; Gallatin, Tennessee; Brampton, Ontario, Canada; and Rugby, England. We lease approximately
1.2 million square feet of distribution space located in: Shanghai, China; Phoenix, Arizona; and Erlanger and
Hebron, Kentucky. Third-party logistics companies provide logistics services to us through distribution
warehouses in Chiba, Japan and Hong Kong, China.

Item 3. Legal Proceedings.

We do not believe that the outcome of any current Action would have a material effect on our Consolidated
Financial Statements.

Item 4. Mine Safety Disclosures.
Not applicable.

14

Part II

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer 
Purchases of Equity Securities.
The principal market on which our stock is traded is the New York Stock Exchange under the symbol "GPS". Our 
website is www.gapinc.com. The number of holders of record of our stock as of March 11, 2020 was 5,923. The 
table below sets forth the dividends declared and paid for each of the fiscal quarters in fiscal 2019 and 2018. 

1st Quarter 
2nd Quarter 
3rd Quarter 
4th Quarter 

Dividends Declared 
and Paid

Fiscal Year

2019 

2018

$

$ 

0.2425  $ 
0.2425 
0.2425 
0.2425 
  0.97  $ 

0.2425
0.2425
0.2425
0.2425
  0.97

15

 
 
 
 
 
 
 
 
 
Stock Performance Graph

The graph below compares the percentage changes in our cumulative total stockholder return on our common 
stock for the five-year period ended February 1, 2020, with (i) the S&P 500 Index and (ii) the cumulative total 
return of the Dow Jones U.S. Retail Apparel Index. The total stockholder return for our common stock assumes 
quarterly reinvestment of dividends.

TOTAL RETURN TO STOCKHOLDERS 
(Assumes $100 investment on 1/31/2015)

$260

$240

$220

$200

$180

$160

$140

$120

$100

$80

$60

$40

$20

$0

01/31/15

01/30/16

01/28/17

02/03/18

02/02/19

02/01/20

The Gap, Inc.

S&P 500

Dow Jones U.S. Apparel Retailers

Total Return Analysis

The Gap, Inc.

S&P 500 
Dow Jones U.S. Apparel Retailers $ 100.00 $

1/30/2016 

1/28/2017 

1/31/2015 
2/1/2020
$ 100.00 $
69.54 $ 50.97
$  100.00  $  99.33  $  119.24  $  150.73  $  147.24  $  179.17
97.30 $ 110.74 $ 120.36 $ 134.15

98.72 $

86.27 $

58.63 $

61.73 $

2/3/2018 

2/2/2019 

Source: Research Data Group, Inc. 

16

Purchases of Equity Securities by the Issuer and Affiliated Purchasers

The following table presents information with respect to purchases of common stock of the Company made during 
the thirteen weeks ended February 1, 2020 by The Gap, Inc. or any affiliated purchaser, as defined in Exchange 
Act Rule 10b-18(a)(3):

Total Number 
of Shares 
Purchased (1)

Average
Price Paid 
Per Share 
Including
Commissions

Total Number 
of Shares 
Purchased as 
Part of Publicly 
Announced 
Plans or 
Programs

Maximum Number 
(or approximate 
dollar amount) of 
Shares that May 
Yet be Purchased 
Under the Plans or 
Programs (2)

268,696  $ 
1,535,779  $ 
1,067,331  $ 
  2,871,806  $ 

16.97 
17.07 
18.01 
17.41 

268,696 
1,535,779 
1,067,331 
2,871,806

$845 million
$819 million
$800 million

Month #1 (November 3 - November 30) 
Month #2 (December 1 - January 4) 
Month #3 (January 5 - February 1) 
Total 
__________

(1)  Excludes shares withheld to settle employee statutory tax withholding related to the vesting of stock units.
(2)  On February 25, 2016, we announced that the Board of Directors approved a $1 billion share repurchase authorization (the "February

2016 repurchase program"), which had no expiration date. On February 26, 2019, we announced that the Board of Directors approved 
a $1 billion share repurchase authorization (the "February 2019 repurchase program"), which superseded the February 2016 
repurchase program and has no expiration date.

17

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Item 6. Selected Financial Data.
The following selected financial data are derived from the Consolidated Financial Statements of the Company. 
We have also included certain non-financial data to enhance your understanding of our business. The data set 
forth below should be read in conjunction with “Management’s Discussion and Analysis of Financial Condition and 
Results of Operations” in Item 7 and the Company’s Consolidated Financial Statements and related notes in 
Item 8 of this Form 10-K.

Operating Results ($ in millions)
Net sales (a) 
Gross margin 
Operating margin 
Effective tax rate 
Net income 
Cash dividends paid 

Per Share Data (number of shares in millions)
Basic earnings per share 
Diluted earnings per share 
Weighted-average number of shares—basic 
Weighted-average number of shares—diluted 
Cash dividends declared and paid per share 

Balance Sheet Information ($ in millions)
Merchandise inventory 
Total assets (e) 
Working capital (e) 
Total long-term debt, less current maturities

Stockholders’ equity 

Other Data ($ and square footage in millions)
Cash used for purchases of property and

equipment

Percentage increase (decrease) in comparable

sales

Number of Company-operated store locations

open at year-end

Number of franchise store locations open at

year-end

Number of total store locations open at year-

end

Square footage of Company-operated store

space at year-end

Percentage increase (decrease) in square

footage of Company-operated store space at 
year-end

2019 (52) (b) 

2018 (52) (c) 

2017 (53) (d) 

2016 (52) 

2015 (52)

Fiscal Year (number of weeks)

$ 16,383 

$  16,580 

$ 15,855 

$ 15,516 

$ 15,797

37.4 % 
3.5 % 
33.5 % 
351 
364 

$ 
$ 

38.1% 
8.2% 
24.1% 

$  1,003 
373 
$ 

$ 
$ 

38.3 % 
9.3 % 
40.4 % 
848 
361 

$ 
$ 

36.3 % 
7.7 % 
39.9 % 
676 
367 

$ 
$ 

36.2 %
9.6 %
37.5 %
920
377

$  0.93 
$  0.93 
376 
378 
$  0.97 

$  2,156 
$  13,679 
$  1,307 
$ 1,249
$  3,316 

$ 
$ 

$ 

2.61 
2.59 
385 
388 
0.97 

$  2.16 
$  2.14 
393 
396 
$  0.92 

$  2,131 
$  8,049 
$  2,077 
1,249
$
$  3,553 

$  1,997 
$  7,989 
$  2,107 
$ 1,249
$  3,144 

$  1.69 
$  1.69 
399 
400 
$  0.92 

$  1,830 
$  7,610 
$  1,862 
$ 1,248
$  2,904 

$  2.24
$  2.23
411
413
$  0.92

$  1,873
$  7,473
$  1,450
$ 1,310
$  2,545

$

702

$

705

$

731

$

524

$

726

(3)% 

—% 

3 %

(2)% 

(4)%

3,345 

3,194 

3,165 

3,200 

3,275

574 

472 

429 

459 

446

3,919 

3,666 

3,594 

3,659 

3,721

37.0 

36.7 

36.4 

36.7 

37.9

0.8 %

0.8% 

(0.8)% 

(3.2)% 

(0.5)%

Number of employees at year-end

129,000 

135,000 

135,000 

135,000 

141,000

18

__________

(a) Net sales for fiscal 2019 and 2018 reflect the adoption of the new revenue recognition standard. Prior period amounts have not been

(b)

(c)
(d)

restated and continue to be reported under accounting standards in effect for those periods. 
In fiscal 2019, the Company incurred $301 million of separation-related costs, $296 million of flagship impairment charges, and $61
million of specialty fleet restructuring costs, all on a pre-tax basis. There was also a pre-tax $191 million gain on the sale of a building
during fiscal 2019. Additionally, there was a $30 million impact to net income related to an adjustment to our fiscal 2017 tax liability for
additional guidance issued by the U.S. Treasury Department regarding the Tax Cuts and Jobs Act. The total fiscal 2019 net unfavorable
impact to diluted EPS was $1.04 for these items.
In fiscal 2018, the effective tax rate reflects the benefits of the enactment of the Tax Cuts and Jobs Act on December 22, 2017.
In fiscal 2017, the Company recognized a net provisional tax impact of approximately $34 million, which represents the provisional tax
impact of federal tax reform of $57 million, net of a related $23 million benefit related to legal entity structuring that was also impacted
by tax reform. Fiscal 2017 results also include incremental sales attributable to the 53rd week.

(e) Total assets and working capital for fiscal 2019 reflect the adoption of the new lease standard. Prior period amounts have not been

restated and continue to be reported under accounting standards in effect for those periods. 

19

Item 7. Management’s Discussion and Analysis of Financial Condition and 
Results of Operations.

Overview 
We are a global retailer offering apparel, accessories, and personal care products for men, women, and children 
under the Old Navy, Gap, Banana Republic, Athleta, Intermix, Janie and Jack, and Hill City brands. We have 
Company-operated stores in the United States, Canada, the United Kingdom, France, Ireland, Japan, Italy, China, 
Hong Kong, Taiwan, and Mexico. We have franchise agreements with unaffiliated franchisees to operate Gap, 
Banana Republic, and Old Navy stores throughout Asia, Europe, Latin America, the Middle East, and Africa. 
Under these agreements, third parties operate, or will operate, stores that sell apparel and related products under 
our brand names. Our products are also available to customers online through Company-owned websites and 
through the use of third parties that provide logistics and fulfillment services. In addition to operating in the 
specialty, outlet, online, and franchise channels, we also use our omni-channel capabilities to bridge the digital 
world and physical stores to further enhance our shopping experience for our customers. Our omni-channel 
services, including buy online pick-up in store, order-in-store, find-in-store, and ship-from-store, as well as 
enhanced mobile experiences, are tailored uniquely across our portfolio of brands. Most of the products sold 
under our brand names are designed by us and manufactured by independent sources. We also sell products that 
are designed and manufactured by branded third parties, primarily at our Intermix brand. 

We identify our operating segments according to how our business activities are managed and evaluated. As of
February 1, 2020, our operating segments included Old Navy Global, Gap Global, Banana Republic Global,
Athleta, and Intermix. We have determined that each of our operating segments share similar economic and other
qualitative characteristics, and, therefore, the results of our operating segments are aggregated into one
reportable segment.

On February 28, 2019, the Company announced that its Board of Directors approved a plan to separate the 
Company into two independently publicly-traded companies. On January 16, 2020, the Company announced it no 
longer intends to separate as the cost and complexity of splitting into two companies, combined with softer 
business performance, limited our ability to create appropriate value from separation. The work done to prepare 
for the separation shone a bright light on potential operational inefficiencies and areas for improvement. As a 
result, the Company intends to operate in a more rigorous and transformational manner that empowers our 
growth brands, Old Navy and Athleta, and appropriately focuses on the performance of Banana Republic Global 
and Gap Global. As part of this transformation, the Company announced that Sonia Syngal, the current president 
and chief executive officer of Old Navy Global, will become the Company’s president and chief executive officer, 
effective March 23, 2020. 

For the fifty-two weeks ended February 1, 2020, we incurred separation-related costs of $301 million, 
substantially all of which was recorded in operating expenses on the Consolidated Statement of Income. See 
below for details regarding the nature of the costs incurred:

(in millions)
Information technology-related costs (1) 

Consulting and advisory service fees
Other expenses
Total separation-related costs
__________

Fiscal Year

2019

$ 

$ 

203

77
21
301

(1) 

Includes approximately $61 million related to loss on disposal of property and equipment for capital assets with no alternative future
use.

20

In addition, on February 28, 2019, the Company announced plans to restructure the specialty fleet and revitalize
the Gap brand, including closing about 230 Gap specialty stores during fiscal 2019 and fiscal 2020. The Company
believes these actions will drive a healthier specialty fleet and will serve as a more appropriate foundation for
brand revitalization. During the two-year period, the Company estimates pre-tax costs associated with these
closure actions to be about $250 million to $300 million, with the majority expected to be cash expenditures for
lease-related costs. The remaining charges are expected to primarily include employee-related costs and the net
impact of write-offs related to long-term assets and liabilities. The Company estimates an annualized sales loss of
approximately $625 million as a result of these store closures, with resulting annualized pre-tax savings of about
$90 million. For the fifty-two weeks ended February 1, 2020, we incurred specialty fleet restructuring costs of $61
million, which primarily include lease and employee-related costs and were recorded in costs of goods sold and
occupancy expenses and operating expenses on the Consolidated Statement of Income. Our discussions and
negotiations with landlords around store closures continue to be difficult, and our ability to execute on our strategy
quickly and decisively is challenging. As a result, we expect that the majority of store closures and expenses
related to restructuring will occur in fiscal 2020. We continue to focus on rationalizing stores that do not generate
sufficient returns to warrant the investments necessary to provide our customers with a differentiated experience. 

During the first quarter of fiscal 2019, we adopted the new lease accounting standard, accounting standards
update ("ASU") No. 2016-02 and related amendments (collectively "ASC 842"), using the optional transition
method and recorded a decrease to opening retained earnings of $86 million, net of tax. The adoption of ASC 842
resulted in the recording of operating lease assets and operating lease liabilities of $5.7 billion and $6.6 billion,
respectively, as of February 3, 2019. The adoption of ASC 842 did not have a material impact to our Consolidated
Statement of Income or Consolidated Statement of Cash Flows.

On November 7, 2019, Art Peck stepped down as president and chief executive officer and resigned his position
as a director of the Company. Robert J. Fisher, the Company's current chairman of the board of directors, began
serving as the Company's president and chief executive officer on an interim basis. On March 5, 2020, the
Company announced that Sonia Syngal, the current president and chief executive officer of Old Navy Global, will
become the Company’s president and chief executive officer, effective March 23, 2020. On March 12, 2020, the
Company announced that Katrina O’Connell will become the Company’s executive vice president and chief
financial officer ("CFO"), effective March 23, 2020. The current CFO, Teri List-Stoll, will be stepping down and
departing the Company after a transition period.

As part of our transformation and specialty fleet rationalization efforts in fiscal 2019, we reassessed our strategy
for flagship stores including an evaluation of whether to exit or sublease certain flagship store locations. For the
fifty-two weeks ended February 1, 2020, we recorded impairment charges of store assets and operating lease
assets related to our flagship stores of $73 million and $223 million, respectively, which was recorded in operating
expenses on the Consolidated Statement of Income. The impairment charges are primarily related to the New
York specialty flagship stores for Gap and Old Navy in Times Square, after a formal decision was made in the
fourth quarter of fiscal 2019 to pursue exiting those locations.

During the first quarter of fiscal 2019, the Company purchased a building for $343 million. In addition, as part of a
related tax exchange, during the first quarter of fiscal 2019, the Company sold a building for $220 million, which
resulted in a pre-tax gain on sale of $191 million.

On March 4, 2019, the Company acquired select assets of Gymboree Group, Inc. related to Janie and Jack, a
premium children's clothing brand, through a bankruptcy auction. We purchased intellectual property, and
property and equipment at the Janie and Jack store locations. We assumed the leases for the majority of Janie
and Jack stores and entered into a separate transaction to purchase Janie and Jack inventory. The purchase
price for the net assets acquired was $69 million. 

Financial results for fiscal 2019 are as follows:

• Net sales for fiscal 2019 decreased 1 percent to $16.4 billion compared with $16.6 billion for fiscal 2018. 

• Comparable sales for fiscal 2019 decreased 3 percent compared with fiscal 2018.

• Gross profit for fiscal 2019 was $6.1 billion compared with $6.3 billion for fiscal 2018. Gross margin for fiscal

2019 was 37.4 percent compared with 38.1 percent for fiscal 2018.

21

• Operating margin for fiscal 2019 was 3.5 percent compared with 8.2 percent for fiscal 2018. Operating margin

for fiscal 2019 included a 3 percent net unfavorable impact due to separation-related costs, flagship impairment
charges, specialty fleet restructuring costs, and a gain on the sale of a building.

• Effective tax rate for fiscal 2019 was 33.5 percent compared with 24.1 percent for fiscal 2018, which included an

increase related to an adjustment to our fiscal 2017 tax liability for additional guidance issued by the U.S.
Treasury Department regarding the Tax Cuts and Jobs Act of 2017 (the “TCJA”).

• Net income for fiscal 2019 was $351 million compared with $1,003 million for fiscal 2018, and diluted earnings
per share was $0.93 for fiscal 2019 compared with $2.59 for fiscal 2018. Diluted earnings per share for fiscal
2019 included a $1.04 net unfavorable impact due to separation-related costs, flagship impairment charges,
specialty fleet restructuring costs, the above mentioned tax adjustment related to the TCJA, and a gain on the
sale of a building. 

• During fiscal 2019, we paid dividends of $364 million compared with $373 million during fiscal 2018.

• During fiscal 2019, share repurchases were $200 million compared with $398 million for fiscal 2018. 

We are facing a period of uncertainty regarding the potential impact of coronavirus disease (COVID-19) on both
our projected customer demand and supply chain. At this time, many of our Company-owned and franchise stores
globally have been temporarily closed or are operating with reduced store hours due to COVID-19 mitigation
efforts. We expect material impacts from the evolving COVID-19 pandemic, including further spread in other
regions, meaningful deterioration from current trends, and potential disruption from any supply chain impacts.
During this challenging economic environment we are focused on the following priorities:

• offering product that is consistently brand-appropriate and on-trend with high customer acceptance and

appropriate value perception;

• restructuring the Gap brand, with emphasis on the specialty fleet globally, to create a healthier, more profitable

business;

• attracting and retaining strong talent in our businesses and functions;

• increasing the focus on improving operational discipline and efficiency by streamlining operations and

processes throughout the organization and leveraging our scale; 

• managing inventory to support a healthy merchandise margin; and

• Continuing to integrate social and environmental sustainability into business practices to support long term

growth.

As of February 1, 2020 cash, cash equivalents, and short-term investments were $1.7 billion. As we manage
through the impacts of the COVID-19 pandemic in fiscal 2020, we have access to a significant portion of existing
cash, as well as our available credit facilities to meet short-term liquidity needs.

Results of Operations

Fiscal 2019 and 2018 consisted of 52 weeks versus 53 weeks in fiscal 2017. Net sales and operating results, as
well as other metrics derived from the Consolidated Statement of Income, include the impact of the additional
week; however, the comparable sales calculation excludes the 53rd week.

Net Sales

See Note 17 of Notes to Consolidated Financial Statements included in Item 8, Financial Statements and
Supplementary Data, of this Form 10-K for net sales by brand and region.

22

Comparable Sales ("Comp Sales")

Comp Sales include the results of Company-operated stores and sales through online channels. The calculation 
of Gap Inc. Comp Sales includes the results of Hill City and Intermix, but excludes the results of the franchise 
business and Janie and Jack.

The percentage change in Comp Sales by global brand and for The Gap, Inc., as compared with the preceding 
year, is as follows:

Old Navy Global

Gap Global
Banana Republic Global 
Athleta
The Gap, Inc.

2019 

Fiscal Year

2018 

2017

(2)%  

(7)% 
(2)% 
5 %  
(3)%  

3 %  

(5)% 
1 % 
9 %  
— %  

6 %

(1)%
(2)%
16 %
3 %

A store is included in the Comp Sales calculations when it has been open and operated by the Company for at 
least one year and the selling square footage has not changed by 15 percent or more within the past year. A store 
is included in the Comp Sales calculations on the first day it has comparable prior year sales. Stores in which the 
selling square footage has changed by 15 percent or more as a result of a remodel, expansion, or reduction are 
excluded from the Comp Sales calculations until the first day they have comparable prior year sales.

A store is considered non-comparable (“Non-comp”) when it has been open and operated by the Company for 
less than one year or has changed its selling square footage by 15 percent or more within the past year.

A store is considered “Closed” if it is temporarily closed for three or more full consecutive days or it is permanently 
closed. When a temporarily closed store reopens, the store will be placed in the Comp/Non-comp status it was in 
prior to its closure. If a store was in Closed status for three or more days in the prior year, the store will be in Non-
comp status for the same days the following year.

Current year foreign exchange rates are applied to both current year and prior year Comp Sales to achieve a 
consistent basis for comparison.

Store Count and Square Footage Information

Net sales per average square foot is as follows:

Net sales per average square foot (1) 
__________

2019 (2) 

Fiscal Year

2018 (2) 

2017 (3)

$ 

323  $ 

341  $ 

340

(1)  Excludes net sales associated with our online and franchise businesses. Online sales include sales through our online channels

including ship-from-store sales, buy online pick-up in store, and order-in-store.

(2)  Reflects the adoption of the new revenue recognition standard in fiscal 2018. Prior period amounts have not been restated and

continue to be reported under accounting standards in effect for those periods.

(3)  Fiscal 2017 includes incremental sales attributable to the 53rd week.

23

0.2

Store count, openings, closings, and square footage for our stores are as follows:

February 2, 2019

Fiscal 2019

February 1, 2020

Number of 
Store Locations
1,139 
15 
758 
332 
152 
556 
45

Number of 
Stores Opened
73 
4 
4 
61 
4 
9 

161  
36 
— 
3,194
472 
3,666

29
— 
— 
189 
140 
329 

Number of 
Stores Closed 
(3)

5 
2 
87 
35 
19 
24 
5

— 
3 
— 
177 
38 
215 

Number of 
Store Locations
1,207 
17 
675 
358 
137 
541 
248

Square Footage 
(in millions)
19.5
0.2
7.1
3.2
1.1
4.6

190 
33 
139 
3,345 
574 
3,919 

6.9% 

0.8
0.1
0.2
37.0

N/A

37.0

0.8%

February 3, 2018

Fiscal 2018

February 2, 2019

Number of 
Store Locations
1,066 
14 
810 
313 
155 
576 
45 
148 
38 
3,165
429 
3,594

Number of 
Stores Opened
79 
1 
14 
34 
9 
9 
3 
14 
— 
163 
90 
253 

Number of 
Stores Closed
6 
— 
66 
15 
12 
29 
3 
1 
2 
134 
47 
181 

Number of 
Store Locations
1,139 
15 
758 
332 
152 
556 
45 
161 
36 
3,194 
472 
3,666 

Square Footage 
(in millions)
18.6
0.2
7.9
3.1
1.2
4.7
0.2
0.7
0.1
36.7

N/A

36.7

2.0%                 0.8%

Old Navy North America  
Old Navy Asia (1) 
Gap North America  
Gap Asia  
Gap Europe  
Banana Republic North America  
Banana Republic Asia

Athleta North America

Intermix North America 
Janie and Jack North America (2)  
Company-operated stores total  
Franchise  
Total  
Increase over prior year

Old Navy North America  
Old Navy Asia 
Gap North America  
Gap Asia  
Gap Europe  
Banana Republic North America  
Banana Republic Asia 
Athleta North America  
Intermix North America 
Company-operated stores total  
Franchise  
Total  
Increase over prior year
__________

(1)  We intend to close our Old Navy stores in China by early 2020.
(2)  On March 4, 2019, we acquired select assets of Gymboree Group, Inc. related to Janie and Jack. The 140 stores acquired were not

included as store openings for fiscal 2019; however, they are included in the ending number of store locations as of February 1, 2020, 
net of one closure that occurred in the third quarter of fiscal 2019.

(3)  Store closures for fiscal 2019 include closures related to our specialty fleet rationalization efforts. See Note 19 of Notes to Consolidated

Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this Form 10-K for information about store 
closing and other operating cost.

Gap and Banana Republic outlet and factory stores are reflected respectively within each brand.

The Company expects to close about 90 company-operated stores, net of openings and repositions in fiscal 2020.
This guidance includes about 170 Gap brand store closures globally, the majority of which are expected to close 
in the fourth quarter of fiscal 2020. The Company continues to expect store openings to be focused on Old Navy 
and Athleta.

24

Net Sales Discussion

Our net sales for fiscal 2019 decreased $197 million, or 1 percent, compared with fiscal 2018. The decrease was 
primarily driven by negative Gap, Inc. Comp Sales and net store closures at Gap Global, partially offset by the 
addition of Janie and Jack, new store openings at Old Navy Global, and an increase in net sales at Athleta in part 
due to new stores. The translation of net sales in foreign currencies to U.S. dollars had an unfavorable impact of 
about $61 million for fiscal 2019 and is calculated by translating net sales for fiscal 2018 at exchange rates 
applicable during fiscal 2019.

Our net sales for fiscal 2018 increased $725 million, or 5 percent, compared with fiscal 2017 primarily driven by 
the impact of significant presentation changes of $619 million resulting from the adoption of the new revenue 
recognition standard, and an increase in net sales for Old Navy Global and Athleta; partially offset by a decrease 
in net sales for Gap Global. The translation of net sales in foreign currencies to U.S. dollars had a favorable 
impact of about $17 million for fiscal 2018 and is calculated by translating net sales for fiscal 2017 at exchange 
rates applicable during fiscal 2018. 

Cost of Goods Sold and Occupancy Expenses

($ in millions)
Cost of goods sold and occupancy expenses 
Gross profit
Cost of goods sold and occupancy expenses as a percentage of net sales

Gross margin

2019 
$  10,250 
$  6,133 

Fiscal Year

2018 
$  10,258 
$  6,322 

2017
$  9,789
$  6,066

62.6% 
37.4% 

61.9% 
38.1% 

61.7%
38.3%

Cost of goods sold and occupancy expenses increased 0.7 percentage points as a percentage of net sales in 
fiscal 2019 compared with fiscal 2018.

•  Cost of goods sold increased 0.6 percentage points as a percentage of net sales in fiscal 2019 compared with

fiscal 2018, primarily driven by higher promotional activity at Old Navy Global.

•  Occupancy expenses increased 0.1 percentage points as a percentage of net sales in fiscal 2019 compared
with fiscal 2018, primarily driven by a decrease in net sales without a corresponding decrease in occupancy 
expenses.

Cost of goods sold and occupancy expenses increased 0.2 percentage points as a percentage of net sales in 
fiscal 2018 compared with fiscal 2017, which includes $176 million of presentation changes resulting from the 
adoption of the new revenue recognition standard.

•  Cost of goods sold increased 0.7 percentage points as a percentage of net sales in fiscal 2018 compared with
fiscal 2017, primarily driven by lower product margin at Gap Global and higher online shipping costs. This was 
partially offset by a favorable impact from presentation changes resulting from the adoption of the new revenue 
recognition standard.

•  Occupancy expenses decreased 0.5 percentage points as a percentage of net sales in fiscal 2018 compared
with fiscal 2017, primarily driven by presentation changes resulting from the adoption of the new revenue 
recognition standard.

In fiscal 2020, we do not expect significant year-over-year impacts on gross margins due to fluctuations in foreign 
currencies.

25

Operating Expenses and Operating Margin

($ in millions)
Operating expenses 
Operating expenses as a percentage of net sales  
Operating margin 

2019 

Fiscal Year

2018 

2017

$ 

5,559 

$ 

4,960 

$ 

4,587

33.9% 
3.5% 

29.9% 
8.2% 

28.9%
9.3%

Operating expenses increased $599 million or 4.0 percentage points as a percentage of net sales in fiscal 2019 
compared with fiscal 2018 primarily due to the following:

•  an increase due to separation-related costs of $300 million, global flagship impairment charges of $296 million,
operating expenses related to Janie and Jack, and specialty fleet restructuring costs of $39 million, incurred in 
fiscal 2019 and not present in fiscal 2018;

•  an increase in expenses related to information technology;

•  an increase in bonus expense compared with a lower fiscal 2018 bonus expense;

•  an increase in advertising expenses due to increased spending at Old Navy Global and Athleta; 

partially offset by

•  a gain on the sale of a building that occurred during fiscal 2019 of $191 million.

Operating expenses increased $373 million or 1.0 percentage points as a percentage of net sales in fiscal 2018 
compared with fiscal 2017 primarily due to the following: 

•  an increase of $443 million related to the presentation changes resulting from the adoption of new revenue

recognition standard; and

•  a gain from insurance proceeds of $64 million during fiscal 2017 related to the fire that occurred at the Fishkill,

New York Company-owned distribution center; 

partially offset by

•  a decrease in expenses related to payroll and benefits, primarily driven by a decrease in bonus expense.

Interest Expense

($ in millions)
Interest expense 

2019 

Fiscal Year

2018 

2017

$ 

76  $ 

73  $ 

74

Interest expense for fiscal 2019, 2018 and 2017 is primarily comprised of interest on our $1.25 billion long-term 
debt. 

Income Taxes

($ in millions)
Income taxes 
Effective tax rate 

2019 

Fiscal Year

2018 

2017

$ 

$ 

177 
33.5% 

$ 

319 
24.1% 

576
40.4%

The increase in the effective tax rate for fiscal 2019 compared with fiscal 2018 was primarily due to an adjustment 
recorded in the current year to increase our fiscal 2017 tax liability for additional guidance issued by the U.S. 
Treasury Department regarding the TCJA and an adjustment recorded in fiscal 2018 to reduce our fiscal 2017 
provisional estimated net charge related to the TCJA transition tax.

26

 
The decrease in the effective tax rate for fiscal 2018 compared with fiscal 2017 was primarily due to the reduction 
in the U.S. federal statutory tax rate from 35 percent to 21 percent, enacted as part of the TCJA, and 
measurement period adjustments to reduce our fiscal 2017 estimated net charge for the effects of the TCJA, 
offset by increases in unrecognized tax benefits recorded in connection with examinations by taxing authorities.

During fiscal 2017, we calculated and recorded a $57 million net charge for our best estimate of the impact of the 
TCJA one-time transition tax on the deemed repatriation of foreign income and the impact of TCJA on deferred tax 
assets and liabilities.

During fiscal 2018, we recorded a $33 million measurement period adjustment to reduce our fiscal 2017 
provisional estimated net charge related to the transition tax and recorded certain other immaterial measurement 
period adjustments to reduce our fiscal 2017 provisional estimated impact of the remeasurement of our deferred 
tax assets and liabilities to reflect the TCJA rate reduction. 

During fiscal 2019, we recorded a $30 million adjustment to increase our fiscal 2017 tax liability for additional 
guidance issued by the U.S. Treasury Department regarding the TCJA.

Liquidity and Capital Resources
Our largest source of cash flows is cash collections from the sale of our merchandise. Our primary uses of cash 
include merchandise inventory purchases, occupancy costs, personnel-related expenses, purchases of property 
and equipment, and payment of taxes. In addition, we may have dividend payments, debt repayments, and share 
repurchases. 

We consider the following to be measures of our liquidity and capital resources:

($ in millions)
Cash and cash equivalents 
Short-term investments 
Debt
Working capital (1) 
Current ratio (1)
__________

February 1, 
 2020

February 2, 
 2019

$ 
$ 
$ 
$ 

1,364  $ 
290  $ 
1,249  $ 
1,307  $ 
1.41:1

1,081
288
1,249
2,077
1.96:1

(1)  Current liabilities for fiscal 2019 reflect the adoption of the new lease accounting standard. Prior period amounts have not been restated

and continue to be reported under accounting standards in effect for those periods. 

As of February 1, 2020, the majority of our cash, cash equivalents, and short-term investments were held in the 
United States and are generally accessible without any limitations. As of February 2, 2019, there was restricted 
cash of $320 million held by a third party in connection with the purchase of a building that was completed in fiscal 
2019 recorded in other long-term assets on the Consolidated Balance Sheet.

In April 2011, the Company entered into a $1.25 billion aggregate principal amount of 5.95 percent notes (the 
"Notes"), which are due April 2021. Prior to maturity and subject to market conditions, we intend to extinguish our 
Notes and also intend to enter into a new long-term debt arrangement.

We are also able to supplement near-term liquidity, if necessary, with our $500 million unsecured revolving credit 
facility or other available market instruments. We intend to enter into a new secured revolving credit facility.

We believe that cash flows from operations, along with current cash balances, and the instruments mentioned 
above will be sufficient to support our near-term liquidity; extensive temporary store closures may require access to 
additional credit. 

27

Cash Flows from Operating Activities

Net cash provided by operating activities increased $30 million during fiscal 2019 compared with fiscal 2018,
primarily due to the following significant changes:

Net income

• a decrease in net income.

Non-cash items

• an increase of $239 million due to non-cash impairment charges of operating lease assets in fiscal 2019;

partially offset by

• $191 million decrease due to gain on the sale of a building during fiscal 2019.

Changes in operating assets and liabilities

• an increase of $306 million related to accrued expenses and other current liabilities primarily due to a

significant decrease in bonus accrual in fiscal 2018 combined with an increase in accruals in fiscal 2019
due to separation-related costs;

• an increase of $158 million related to merchandise inventory primarily due to flat inventory during fiscal

2019 compared with an increase in inventory during fiscal 2018; and

• an increase of $144 million related to timing of payments for accounts payable.

Net cash provided by operating activities during fiscal 2018 was flat compared with fiscal 2017, which was
comprised of the following significant changes:

Net income

• an increase in net income.

Changes in operating assets and liabilities

• an increase of $165 million related to income taxes payable, net of prepaid and other tax-related items,

driven primarily by the timing of payments; offset by

• a decrease of $230 million related to accrued expenses and other current liabilities, driven primarily by a

decrease in bonus accrual for fiscal 2018 compared with an increase for fiscal 2017; and

• a decrease of $51 million related to other current assets and long-term assets driven in part by the

receipt of insurance claims receivable related to the Fishkill fire during fiscal 2017.

We fund inventory expenditures during normal and peak periods through cash flows from operating activities and
available cash. Our business follows a seasonal pattern, with sales peaking during the end-of-year holiday period.
The seasonality of our operations may lead to significant fluctuations in certain asset and liability accounts
between fiscal year-end and subsequent interim periods.

Cash Flows from Investing Activities

Net cash used for investing activities during fiscal 2019 decreased $107 million compared with fiscal 2018,
primarily due to the following: 

• $287 million fewer net purchases of available-for-sale debt securities during fiscal 2019 compared with fiscal

2018; and

• $220 million of proceeds received for the sale of a building during fiscal 2019; partially offset by

• $343 million purchase of a building during fiscal 2019; and

• $69 million purchase of Janie and Jack during fiscal 2019.

In fiscal 2019, cash used for purchases of property and equipment was $702 million primarily related to store
investments. 

Net cash used for investing activities during fiscal 2018 increased $335 million compared with fiscal 2017, primarily
due to the following:

• $287 million of net purchases of available-for-sale securities during fiscal 2018; and

• $66 million of insurance proceeds allocated to the loss on property and equipment during fiscal 2017.

In fiscal 2018, cash used for purchases of property and equipment was $705 million primarily related to information
technology and supply chain to support our omni and digital strategies, and store investments. 

28

Cash Flows from Financing Activities

Net cash used for financing activities during fiscal 2019 decreased $189 million compared with fiscal 2018, 
primarily due to fewer repurchases of common stock.

Net cash used for financing activities during fiscal 2018 increased $18 million compared with fiscal 2017, primarily 
due to the following:

•  $83 million higher repurchases of common stock during fiscal 2018; offset by

•  $67 million cash outflow related to the final repayment of the Japan term loan during fiscal 2017.

Free Cash Flow

Free cash flow is a non-GAAP financial measure. We believe free cash flow is an important metric because it 
represents a measure of how much cash a company has available for discretionary and non-discretionary items 
after the deduction of capital expenditures, net of insurance proceeds related to loss on property and equipment, 
as we require regular capital expenditures to build and maintain stores and purchase new equipment to improve 
our business and infrastructure. We use this metric internally, as we believe our sustained ability to generate free 
cash flow is an important driver of value creation. However, this non-GAAP financial measure is not intended to 
supersede or replace our GAAP result. Free cash flow for fiscal 2017 is adjusted for insurance proceeds allocated 
to loss on property and equipment, as our cash used for purchases of property and equipment for fiscal 2017 
includes certain capital expenditures related to the rebuilding of the Company-owned distribution center which was 
impacted by the Fishkill fire.

The following table reconciles free cash flow, a non-GAAP financial measure, from net cash provided by operating 
activities, a GAAP financial measure.

($ in millions)
Net cash provided by operating activities 
Less: Purchases of property and equipment (1) 
Add: Insurance proceeds related to loss on property and equipment 
Free cash flow 

__________

(1)  Excludes purchase of building in the first quarter of fiscal 2019.

Debt and Credit Facilities

Fiscal Year

2019 

2018 

2017

$ 

$ 

1,411  $ 
(702) 
— 
709  $ 

1,381  $ 
(705) 
— 
676  $ 

1,380
(731)
66
715

Certain financial information about the Company's debt and credit facilities is set forth under the headings "Debt" 
and "Credit Facilities" in Notes 5 and 6, respectively, of Notes to Consolidated Financial Statements included in 
Item 8, Financial Statements and Supplementary Data, of this Form 10-K. 

Dividend Policy

In determining whether and at what level to declare a dividend, we consider a number of factors including 
sustainability, operating performance, liquidity, and market conditions.

We paid an annual dividend of $0.97 per share in fiscal 2019 and fiscal 2018. We plan to pay a dividend of 
$0.2425 per share in the first quarter of fiscal 2020.

Share Repurchases

Certain financial information about the Company's share repurchases is set forth under the heading "Share 
Repurchases" in Note 9 of Notes to Consolidated Financial Statements included in Item 8, Financial Statements 
and Supplementary Data, of this Form 10-K. 

29

Contractual Cash Obligations
We are party to many contractual obligations involving commitments to make payments to third parties. The 
following table provides summary information concerning our future contractual obligations as of February 1, 
2020. These obligations impact our short-term and long-term liquidity and capital resource needs. Certain of 
these contractual obligations are reflected on the Consolidated Balance Sheet as of February 1, 2020, while 
others are disclosed as future obligations.

($ in millions)

Debt (1) 
Interest payments on debt 
Operating leases (2) 
Purchase obligations and commitments (3) 

Total contractual cash obligations 

__________

Payments Due by Period

Less than 1 
Year

1-3 Years 

3-5 Years

More Than 5 
Years

Total

$ 

$ 

—  $ 
75 
1,185 
3,860 
5,120  $ 

1,250  $ 
37 
2,005 
97 
3,389  $ 

—  $ 
— 
1,587 
29 
1,616  $ 

—  $ 
— 
3,172 
62 

1,250
112
7,949
4,048
3,234  $  13,359

(1)  Represents principal maturities, excluding interest. See Note 5 of Notes to Consolidated Financial Statements included in Item 8,

Financial Statements and Supplementary Data for discussion on debt.

(2)  Excludes contingent rent obligations and variable maintenance, insurance, taxes and, other occupancies. See Note 12 of Notes to

Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data for discussion of our operating 
leases.

(3)  Represents estimated open purchase orders to purchase inventory as well as commitments for products and services used in the

normal course of business. The amounts included in the table above also include the remaining federal income tax payable for the 
TCJA one-time transition tax on the deemed repatriation of foreign income.

There were $172 million of long-term liabilities recorded in lease incentives and other long-term liabilities on the 
Consolidated Balance Sheet as of February 1, 2020 that are excluded from the table above as the amount relates 
to uncertain tax positions and deferred compensation, and we are not able to reasonably estimate the timing of 
the payments or the amount by which the liabilities will increase or decrease over time.

There were $28 million of estimated costs related to contracts and commitments that were accrued as a result of 
the separation being canceled recorded in accrued expenses and other current liabilities on the Consolidated 
Balance Sheet as of February 1, 2020 and expected to be paid in fiscal 2020.

Commercial Commitments

We have commercial commitments, not reflected in the table above, that were incurred in the normal course of 
business to support our operations, including standby letters of credit of $21 million, surety bonds of $48 million, 
and bank guarantees of $28 million outstanding (of which $18 million was issued under the unsecured revolving 
credit facilities for our operations in foreign locations) as of February 1, 2020.

Critical Accounting Policies and Estimates 
The preparation of financial statements in accordance with accounting principles generally accepted in the United 
States of America ("U.S. GAAP") requires management to adopt accounting policies and make significant 
judgments and estimates to develop amounts reflected and disclosed in the financial statements. In many cases, 
there are alternative policies or estimation techniques that could be used. We maintain a thorough process to 
review the application of our accounting policies and to evaluate the appropriateness of the many estimates that 
are required to prepare the financial statements of a large, global corporation. However, even under optimal 
circumstances, estimates routinely require adjustment based on changing circumstances and the receipt of 
new or better information.

30

Our significant accounting policies can be found under the heading "Organization and Summary of Significant
Accounting Policies" in Note 1 of Notes to Consolidated Financial Statements included in Item 8, Financial
Statements and Supplementary Data, of this Form 10-K. The policies and estimates discussed below include the
financial statement elements that are either judgmental or involve the selection or application of alternative
accounting policies and are material to our financial statements. Management has discussed the development
and selection of these critical accounting policies and estimates with the Audit and Finance Committee of our
Board of Directors, which has reviewed our disclosure relating to critical accounting policies and estimates in this
annual report on Form 10-K.

Merchandise Inventory

We value inventory at the lower of cost or net realizable value (“LCNRV”), with cost determined using the
weighted-average cost method. We review our inventory levels in order to identify slow-moving merchandise and
broken assortments (items no longer in stock in a sufficient range of sizes or colors), and we primarily use
promotions and markdowns to clear merchandise. We record an adjustment to inventory when future estimated
selling price is less than cost. Our LCNRV adjustment calculation requires management to make assumptions to
estimate the selling price and amount of slow-moving merchandise and broken assortments subject to
markdowns, which is dependent upon factors such as historical trends with similar merchandise, inventory aging,
forecasted consumer demand, and the promotional environment. In addition, we estimate and accrue shortage for
the period between the last physical count and the balance sheet date. Our shortage estimate can be affected by
changes in merchandise mix and changes in actual shortage trends. Historically, actual shortage has not differed
materially from our estimates.

We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or
assumptions we use to calculate our LCNRV or inventory shortage adjustments. However, if estimates regarding
consumer demand are inaccurate or actual physical inventory shortage differs significantly from our estimate, our
operating results could be affected. We have not made any material changes in the accounting methodology used
to calculate our LCNRV or inventory shortage adjustments in the past three fiscal years. 

Leases 

We determine if a long-term contractual obligation is a lease at inception. The majority of our operating leases
relate to retail stores. We also lease some of our corporate facilities and distribution centers. Most store leases
have a five-year base period and include options that allow us to extend the lease term beyond the initial base
period, subject to terms agreed upon at lease inception. Some leases also include early termination options,
which can be exercised under specific conditions. Our lease agreements do not contain any material residual
value guarantees or material restrictive covenants. 

We record our lease liabilities at the present value of the lease payments not yet paid, discounted at the rate of
interest that the Company would have to pay to borrow on a collateralized basis over a similar term. As the
Company's leases do not provide an implicit interest rate, the Company uses an incremental borrowing rate
based on the information available at commencement date in determining the present value of lease payments.
We have elected the practical expedient to combine lease and nonlease components for our operating leases.
This information is dependent upon our credit rating, market information for credit spreads, and adjustments for
the impact of collateral. The incremental borrowing rate is also adjusted for each lease’s respective geography.

We recognize operating lease cost over the estimated term of the lease, which includes options to extend lease
terms that are reasonably certain of being exercised, starting when possession of the property is taken from the
landlord, which normally includes a construction period prior to the store opening. When a lease contains a
predetermined fixed escalation of the fixed rent, we recognize the related operating lease cost on a straight-line
basis over the lease term. In addition, certain of our lease agreements include variable lease payments, such as
payments based on a percentage of sales that are in excess of a predetermined level and/or increases based on
a change in the consumer price index or fair market value. These variable lease payments are excluded from
minimum lease payments and are included in the determination of net lease cost when it is probable that the
expense has been incurred and the amount can be reasonably estimated. If an operating lease asset is impaired,
the remaining operating lease asset will be amortized on a straight-line basis over the remaining lease term. 

31

See Note 12 of Notes to Consolidated Financial Statements included in Item 8, Financial Statements and
Supplementary Data, of this Form 10-K for related disclosures.

Impairment of Long-Lived Assets, Goodwill, and Intangible Assets 

We review the carrying amount of long-lived assets for impairment whenever events or changes in circumstances
indicate that the carrying amount of an asset or asset group may not be recoverable. Events that result in an
impairment review include a significant decrease in the operating performance of the long-lived asset, or the
decision to close a store, corporate facility, or distribution center. Long-lived assets are considered impaired if the
carrying amount exceeds the estimated undiscounted future cash flows of the asset or asset group over the
estimated remaining lease term. For impaired assets, we recognize a loss equal to the difference between the
carrying amount of the asset or asset group and its estimated fair value. The estimated fair value of the asset or
asset group is based on estimated discounted future cash flows of the asset or asset group using a discount rate
commensurate with the related risk. The asset group is defined as the lowest level for which identifiable cash
flows are available and largely independent of the cash flows of other groups of assets. The asset group is
comprised of both property and equipment and operating lease assets. The asset group for our retail stores is
reviewed for impairment at the store level. Our estimate of future cash flows requires management to make
assumptions and to apply judgment, including forecasting future sales and gross profits and estimating useful
lives of the assets. For operating lease assets, the Company determines the fair value of the assets by comparing
the discounted contractual rent payments to estimated market rental rates. These estimates can be affected by
factors such as future store results, real estate demand, store closure plans, and economic conditions that can be
difficult to predict. 

See Note 7 of Notes to Consolidated Financial Statements included in Item 8, Financial Statements and
Supplementary Data, of this Form 10-K for additional information and disclosures about impairment of long-lived
assets.

We also review the carrying amount of goodwill and other indefinite-lived intangible assets for impairment
annually in the fourth quarter of the fiscal year and whenever events or changes in circumstances indicate that it
is more likely than not that the carrying amount may not be recoverable. Events that result in an impairment
review include significant changes in the business climate, declines in our operating results, or an expectation that
the carrying amount may not be recoverable. If goodwill is considered impaired, we recognize a loss equal to the
difference between the carrying amount and the estimated fair value of the reporting unit. 

In connection with the acquisitions of Athleta in September 2008 and Intermix in December 2012, we recorded
goodwill that is reviewed for impairment using the applicable reporting unit, which is an operating segment or a
business unit one level below that operating segment for which discrete financial information is prepared and
regularly reviewed by segment management. We have deemed Athleta and Intermix to be the reporting units at
which goodwill is tested for Athleta and Intermix, respectively. 

A trade name is considered impaired if the carrying amount exceeds its estimated fair value. If a trade name is
considered impaired, we recognize a loss equal to the difference between the carrying amount and the estimated
fair value of the trade name. The fair value of the trade names is determined using the relief from royalty method. 

These analyses require management to make assumptions and to apply judgment, including forecasting future
sales and expenses, and selecting appropriate discount rates and royalty rates, which can be affected by
economic conditions and other factors that can be difficult to predict.

See Note 4 of Notes to Consolidated Financial Statements included in Item 8, Financial Statements and
Supplementary Data, of this Form 10-K for additional information and disclosures about impairment of goodwill
and trade names.

If actual store and online results and brand performance, real estate market conditions, and economic conditions
including interest rates are not consistent with our estimates and assumptions used in our calculations, we may
be exposed to additional impairment of long-lived assets, goodwill, or intangible assets that could be material.

32

Income Taxes

We record a valuation allowance against our deferred tax assets when it is more likely than not that some portion
or all of such deferred tax assets will not be realized. In determining the need for a valuation allowance,
management is required to make assumptions and to apply judgment, including forecasting future income,
taxable income, and the geographic mix of income or losses in the jurisdictions in which we operate. Our effective
tax rate in a given financial statement period may also be materially impacted by changes in the geographic mix
and level of income or losses, changes in the expected outcome of audits, changes in the deferred tax valuation
allowance, guidance related to the enactment of the TCJA that is issued by the U.S. Treasury Department and
Internal Revenue Service (“IRS”) or new tax legislation and guidance.

At any point in time, many tax years are subject to or in the process of being audited by various taxing authorities.
To the extent our estimates of settlements change or the final tax outcome of these matters is different from the
amounts recorded, such differences will impact the income tax provision in the period in which such
determinations are made. Our income tax expense includes changes in our estimated liability for exposures
associated with our various tax filing positions. Determining the income tax expense for these potential
assessments requires management to make assumptions that are subject to factors such as proposed
assessments by tax authorities, changes in facts and circumstances, issuance of new regulations, and resolution
of tax audits.

We believe the judgments and estimates discussed above are reasonable. However, if actual results are not
consistent with our estimates or assumptions, we may be exposed to losses or gains that could be material.

See Note 13 of Notes to Consolidated Financial Statements included in Item 8, Financial Statements and
Supplementary Data, of this Form 10-K for additional information on the impact of the U.S. Tax Cuts and Jobs Act
enacted on December 22, 2017 on income taxes.

Recent Accounting Pronouncements
See "Organization and Summary of Significant Accounting Policies" in Note 1 of Notes to Consolidated Financial
Statements included in Item 8, Financial Statements and Supplementary Data, of this Form 10-K for recent
accounting pronouncements, including the expected dates of adoption and estimated effects on our Consolidated
Financial Statements.

Item 7A. Quantitative and Qualitative Disclosures About Market Risk.
Derivative Financial Instruments

Certain financial information about the Company's derivative financial instruments is set forth under the heading
"Derivative Financial Instruments" in Note 8 of Notes to Consolidated Financial Statements included in Item 8,
Financial Statements and Supplementary Data, of this Form 10-K.

We have performed a sensitivity analysis as of February 1, 2020 based on a model that measures the impact of a
hypothetical 10 percent adverse change in foreign currency exchange rates to U.S. dollars (with all other
variables held constant) on our underlying estimated major foreign currency exposures, net of derivative financial
instruments. The foreign currency exchange rates used in the model were based on the spot rates in effect as of
February 1, 2020. The sensitivity analysis indicated that a hypothetical 10 percent adverse movement in foreign
currency exchange rates would have an unfavorable impact on the underlying cash flow, net of our foreign
exchange derivative financial instruments, of $40 million as of February 1, 2020.

Debt

Certain financial information about the Company's debt is set forth under the heading "Debt" in Note 5 of Notes to
Consolidated Financial Statements included in Item 8, Financial Statements and Supplementary Data, of this
Form 10-K. 

33

Our $1.25 billion aggregate principal amount of 5.95 percent notes due April 2021 has a fixed interest rate and is
exposed to interest rate risk that is limited to changes in fair value. Changes in interest rates do not impact our
cash flows. Prior to maturity and subject to market conditions, we intend to extinguish our Notes and also intend
to enter into a new long-term debt arrangement. We intend to enter into a new secured revolving credit facility.

Cash Equivalents and Short-Term Investments

Certain financial information about the Company's cash equivalents and short-term investments is set forth under
the heading "Fair Value Measurements" in Note 7 of Notes to Consolidated Financial Statements included in Item
8, Financial Statements and Supplementary Data, of this Form 10-K. 

We have highly liquid fixed and variable income investments classified as cash and cash equivalents and short-
term investments. All highly liquid investments with original maturities of three months or less at the time of
purchase are classified as cash and cash equivalents. Our cash equivalents are placed primarily in time deposits,
money market funds, and commercial paper. We generally value these investments at their original purchase
prices plus interest that has accrued at the stated rate. We also have highly liquid investments with original
maturities of greater than three months and less than two years that are classified as short-term investments.
These securities are recorded at fair value using market prices.

Changes in interest rates impact the fair value of our investments that are considered available-for-sale. As of
February 1, 2020 and February 2, 2019, the Company held $290 million and $288 million, respectively, of
available-for-sale debt securities with original maturity dates greater than three months and less than two years
within short-term investments on the Consolidated Balance Sheets. In addition, as of February 1, 2020 and
February 2, 2019, the Company held $23 million and $16 million, respectively, of available-for-sale debt securities
with original maturities of less than three months at the time of purchase within cash and cash equivalents.
Unrealized gains or losses on available-for-sale debt securities included in accumulated other comprehensive
income were immaterial as of February 1, 2020 and February 2, 2019. 

Changes in interest rates also impact the interest income derived from our investments. In fiscal 2019 and fiscal
2018, we earned interest income of $30 million and $33 million, respectively.

34

Item 8. Financial Statements and Supplementary Data.

THE GAP, INC.
INDEX TO CONSOLIDATED FINANCIAL STATEMENTS

Report of Independent Registered Public Accounting Firm

Consolidated Balance Sheets as of February 1, 2020 and February 2, 2019

Consolidated Statements of Income for the fiscal years ended February 1, 2020, February 2, 2019, and

February 3, 2018

Consolidated Statements of Comprehensive Income for the fiscal years ended February 1, 2020,

February 2, 2019, and February 3, 2018

Consolidated Statements of Stockholders' Equity for the fiscal years ended February 1, 2020, February

2, 2019, and February 3, 2018

Consolidated Statements of Cash Flows for the fiscal years ended February 1, 2020, February 2, 2019,

and February 3, 2018

Notes to Consolidated Financial Statements

Page

36

39

40

41

42

43

44

35

 
 
Report of Independent Registered Public Accounting Firm
To the Shareholders and the Board of Directors of The Gap, Inc.

Opinions on the Financial Statements and Internal Control over Financial Reporting

We have audited the accompanying consolidated balance sheets of The Gap, Inc. and subsidiaries (the
"Company") as of February 1, 2020 and February 2,2019 the related consolidated statements of income,
comprehensive income, stockholders’ equity, and cash flows, for each of the fiscal years  ended February 1,
2020, February 2, 2019, and February 3, 2018, and the related notes (collectively referred to as the "financial
statements"). We also have audited the Company’s internal control over financial reporting as of February 1,
2020, based on criteria established in Internal Control - Integrated Framework (2013) issued by the Committee of
Sponsoring Organizations of the Treadway Commission (COSO).

In our opinion, the financial statements referred to above present fairly, in all material respects, the financial
position of the Company as of February 1, 2020 and February 2, 2019, and the results of its operations and its
cash flows for each of the fiscal years ended February 1, 2020, February 2, 2019 and February 3, 2018, in
conformity with accounting principles generally accepted in the United States of America. Also, in our opinion, the
Company maintained, in all material respects, effective internal control over financial reporting as of February 1,
2020, based on criteria established in Internal Control - Integrated Framework (2013) issued by COSO.

Change in Accounting Principle

As discussed in Note 1 to the financial statements, effective February 3, 2019, the Company adopted FASB ASU
No. 2016-02, Leases (“ASC 842”) using the optional transition method. Leases-incremental borrowing rate used
in adoption of ASC 842 is also communicated as a critical audit matter below.

Basis for Opinions

The Company’s management is responsible for these financial statements, for maintaining effective internal
control over financial reporting, and for its assessment of the effectiveness of internal control over financial
reporting, included in the accompanying Management's Report on Internal Control over Financial Reporting. Our
responsibility is to express an opinion on these financial statements and an opinion on the Company’s internal
control over financial reporting based on our audits. We are a public accounting firm registered with the Public
Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect
to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the
Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan
and perform the audits to obtain reasonable assurance about whether the financial statements are free of material
misstatement, whether due to error or fraud, and whether effective internal control over financial reporting was
maintained in all material respects.

Our audits of the financial statements included performing procedures to assess the risks of material
misstatement of the financial statements, whether due to error or fraud, and performing procedures to respond to
those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and
disclosures in the financial statements. Our audits also included evaluating the accounting principles used and
significant estimates made by management, as well as evaluating the overall presentation of the financial
statements. Our audit of internal control over financial reporting included obtaining an understanding of internal
control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the
design and operating effectiveness of internal control based on the assessed risk. Our audits also included
performing such other procedures as we considered necessary in the circumstances. We believe that our audits
provide a reasonable basis for our opinions.

Definition and Limitations of Internal Control over Financial Reporting

A company’s internal control over financial reporting is a process designed to provide reasonable assurance
regarding the reliability of financial reporting and the preparation of financial statements for external purposes in
accordance with generally accepted accounting principles. A company’s internal control over financial reporting
includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail,

36

accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable
assurance that transactions are recorded as necessary to permit preparation of financial statements in
accordance with generally accepted accounting principles, and that receipts and expenditures of the company are
being made only in accordance with authorizations of management and directors of the company; and (3) provide
reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of
the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect
misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that
controls may become inadequate because of changes in conditions, or that the degree of compliance with the
policies or procedures may deteriorate.

Critical Audit Matters

The critical audit matters communicated below are matters arising from the current-period audit of the financial
statements that were communicated or required to be communicated to the audit committee and that (1) relate to
accounts or disclosures that are material to the financial statements and (2) involved our especially challenging,
subjective, or complex judgments. The communication of critical audit matters does not alter in any way our
opinion on the financial statements, taken as a whole, and we are not, by communicating the critical audit matters
below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they
relate.

Impairment of Long-Lived Assets - Refer to Notes 1,2 and 7 to the financial statements

Critical Audit Matter Description

The Company performs an analysis of the carrying value of all long-lived store assets for impairment at an
individual store level whenever events or changes in circumstances indicate that the carrying value of individual
store assets may not be recoverable. The Company’s impairment analysis determines whether projected
undiscounted future cash flows from operations are sufficient to recover the carrying value of these store assets.
Impairment may result when the carrying value of the store assets exceeds the estimated undiscounted future
cash flows over the remaining useful life. Events that result in an impairment review include a significant decrease
in the operating performance of the long-lived asset, or the decision to close a store, corporate facility, or
distribution center. Impairment charges recorded related to store assets, and operating lease assets for the year
ended February 1, 2020 were $98 million and $239 million, respectively. The Company’s impairment analysis
consists of (1) identifying stores with indicators of impairment, (2) testing the identified store assets for
recoverability and (3) measuring the impairment loss. 

We identified long-lived store asset impairment as a critical audit matter because the determination of the
estimated growth rates used to project future sales and gross profit at individual stores and the determination of
estimated market rent used in the fair value estimate of the Company’s operating lease assets included within the
respective store asset group requires significant management judgment. Changes in these estimates could have
a significant impact on whether long lived store assets should be further evaluated for impairment and could have
a significant impact on the resulting impairment charge. 

This required a high degree of auditor judgment and an increased extent of effort, including the need to involve
our fair value specialists, when performing audit procedures to evaluate the reasonableness of the Company’s
judgments used in these estimates.

How the Critical Audit Matter Was Addressed in the Audit

Our audit procedures related to management’s judgments regarding the forecasts of future sales and gross profit
growth assumptions included the following, among others: 

• We tested the effectiveness of controls over management’s long-lived store asset impairment evaluation,

including those over future sales and gross profit projections

• We evaluated management’s ability to accurately forecast future sales and gross profit growth by

comparing actual results to management’s historical forecasts

37

• We evaluated the reasonableness of management’s sales and gross profit growth forecasts by comparing

the forecasts to: 

◦
◦

Historical revenue and operating margins
Internal communications to management and the Board of Directors

Our audit procedures related to management’s judgments regarding the estimation of the fair value of market rent
used in the calculation of operating lease assets included the following, among others: 

• We tested the effectiveness of controls over the estimation of the market rent utilized in the estimate of

the fair value of operating lease assets

• With the assistance of our fair value specialists, evaluated that the methods used by management to

develop the estimated market rent utilized in the fair value of the operating lease assets

Leases - Incremental Borrowing Rate Used in Adoption of ASC 842 - Refer to Notes 1 and 12 to the
financial statements (also see ASC 842 adoption explanatory paragraph above)

Critical Audit Matter Description 

The Company adopted the provisions of ASU No. 2016-02, Leases, (“ASC 842”) as of February 3, 2019.
Accordingly, the Company recorded operating lease liabilities for the present value of its leases and operating
lease assets of approximately $6.6 billion and $5.7 billion, respectively, upon adoption.

We identified the incremental borrowing rate (“IBR”) used in the determination of the present value of the
Company’s future minimum lease payments as a critical audit matter because the determination of the
appropriate credit rating, credit spread and adjustments for the impacts of collateralization used to determine the
rate require significant management judgment.  Changes in these inputs to the IBR determination can have a
significant effect on the recorded operating lease assets and related lease liabilities. 

Given the significant judgments made by management in determining the IBR, performing audit procedures to
evaluate the reasonableness of the methods and assumptions related to credit rating, credit spreads and
adjustments for the impact of collateral involved a high degree of auditor judgment and an increased extent of
effort, including the need to involve our fair value specialists.  

How the Critical Audit Matter Was Addressed in the Audit

Our audit procedures related to the IBRs used in the adoption of ASC 842 included the following, among others: 

• We tested the effectiveness of controls over the calculation of the IBRs, including those over credit

ratings, credit spreads and adjustments for the impact of collateral

• With the assistance of our fair value specialists, we:

◦

◦

◦

Evaluated that the methods used by management were based on the definitions and guidance in
ASC 842
Assessed the reasonableness of the credit rating, base rate, spreads and adjustments for the
effects of collateral applied in determining the IBR by comparing to Company specific
benchmarks, comparable companies and other market information 
Assessed the reasonableness of the models and the mathematical accuracy of the calculation
used to estimate the IBR

/s/ Deloitte & Touche LLP

San Francisco, California
March 17, 2020 

We have served as the Company’s auditor since at least 1976, in connection with its initial public offering;
however, an earlier year could not be reliably determined.

38

THE GAP, INC.
CONSOLIDATED BALANCE SHEETS

February 1, 
 2020

February 2, 
 2019

($ and shares in millions except par value)
ASSETS 
Current assets:

Cash and cash equivalents 
Short-term investments 
Merchandise inventory 
Other current assets

Total current assets 

Property and equipment, net of accumulated depreciation of $5,839 and 
$5,755
Operating lease assets
Other long-term assets

Total assets

LIABILITIES AND STOCKHOLDERS' EQUITY 
Current liabilities:

Accounts payable 
Accrued expenses and other current liabilities 
Current portion of operating lease liabilities 
Income taxes payable

Total current liabilities 

Long-term liabilities:
Long-term debt
Long-term operating lease liabilities 
Lease incentives and other long-term liabilities 

Total long-term liabilities 

Commitments and contingencies (see Note 16) 
Stockholders' equity:

Common stock $0.05 par value

Authorized 2,300 shares for all periods presented; Issued and 
Outstanding 371 and 378 shares

Additional paid-in capital 
Retained earnings
Accumulated other comprehensive income 

Total stockholders' equity 
Total liabilities and stockholders' equity

$ 

$

$ 

1,364  $ 
290 
2,156 
706 
4,516 

3,122 
5,402 
639 
13,679 $

1,174  $ 
1,067 
920 
48 
3,209 

1,249 
5,508 
397 
7,154 

19 
— 
3,257 
40 
3,316 

$ 

13,679  $ 

1,081
288
2,131
751
4,251

2,912
—
886
8,049

1,126
1,024
—
24
2,174

1,249
—
1,073
2,322

19
—
3,481
53
3,553

8,049 

See Accompanying Notes to Consolidated Financial Statements

39

 
THE GAP, INC.
CONSOLIDATED STATEMENTS OF INCOME

($ and shares in millions except per share amounts) 
Net sales 
Cost of goods sold and occupancy expenses 
Gross profit 
Operating expenses 
Operating income 
Interest expense 
Interest income 
Income before income taxes

Income taxes

Net income

Weighted-average number of shares—basic 

Weighted-average number of shares—diluted 

Earnings per share—basic

Earnings per share—diluted

Cash dividends declared and paid per share

$ 

$

$

$

$

2019 

Fiscal Year

2018 

2017

16,383  $ 
10,250 
6,133 
5,559 
574 
76 
(30) 
528 

177 
351 $

376 

378 

0.93 $
0.93 $

0.97 $

16,580  $ 
10,258 
6,322 
4,960 
1,362 
73 
(33) 
1,322 

319 
1,003 $

385 

388 

2.61 $
2.59 $

0.97 $

15,855
9,789
6,066
4,587
1,479
74
(19)
1,424

576

848

393

396

2.16

2.14

0.92

See Accompanying Notes to Consolidated Financial Statements

40

 
  
 
 
THE GAP, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

($ in millions) 
Net income

2019 

Fiscal Year

2018 

2017

$

351 $

1,003 $

Other comprehensive income (loss), net of tax:

Foreign currency translation 
Change in fair value of derivative financial

instruments, net of tax (tax benefit) of $5, 
$(4), and $(9)

Reclassification adjustments on derivative

financial instruments, net of (tax) tax benefit of
$(5), $6, and $3 

Other comprehensive income (loss), net of tax 
Comprehensive income

$

(2) 

13 

(24) 
(13) 
338 $

(17) 

54 

(20) 
17 
1,020 $

848

35

(51)

(2)
(18)
830

See Accompanying Notes to Consolidated Financial Statements

41

 
THE GAP, INC.
CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

($ and shares in millions except per share amounts) 

Balance as of January 28, 2017

Cumulative effect of a change in accounting principle related to share-based compensation

Net income

Other comprehensive loss, net of tax

Repurchases and retirement of common stock

Issuance of common stock related to stock options and employee stock purchase plans

Issuance of common stock and withholding tax payments related to vesting of stock units

Share-based compensation, net of forfeitures

Common stock dividends ($0.92 per share)

Balance as of February 3, 2018

Cumulative effect of a change in accounting principle related to revenue recognition

Net income

Other comprehensive income, net of tax

Repurchases and retirement of common stock

Issuance of common stock related to stock options and employee stock purchase plans

Issuance of common stock and withholding tax payments related to vesting of stock units

Share-based compensation, net of forfeitures

Common stock dividends ($0.97 per share)

Balance as of February 2, 2019

Cumulative effect of a change in accounting principle related to leases

Net income

Other comprehensive loss, net of tax

Repurchases and retirement of common stock

Issuance of common stock related to stock options and employee stock purchase plans

Issuance of common stock and withholding tax payments related to vesting of stock units

Share-based compensation, net of forfeitures

Common stock dividends ($0.97 per share)

Balance as of February 1, 2020

Common Stock

Shares  Amount 

Additional
Paid-in 
Capital

Retained 
Earnings

Accumulated 
Other 
Comprehensive 
Income

Total

399

$

20

$

81

$

2,749

$

54

$ 2,904

(13) 

2

1 

(1) 

—

—  

(5) 

3 

848 

(156) 

(158) 

30

(18) 

76 

389 

19 

8 

(361) 

3,081

36 

1,003 

(14) 

2

1 

— 

—

—  

(132) 

(266) 

46

(23) 

101 

378 

19 

— 

(373) 

3,481

(86) 

351 

(10) 

1

2 

— 

—

—  

(75) 

(125) 

25

(21) 

71 

(364) 

(18) 

(2)

848

(18)

(315)

(18)

76

(361)

36 

3,144

17 

36

1,003

17

(398)

(23)

101

(373)

53 

3,553

(86)

351

(13)            (13)

(200)

(21)

71

(364)

30

46

25

371

$

19

$

— $

3,257

$

40

$ 3,316

See Accompanying Notes to Consolidated Financial Statements

42

 
 
 
 
THE GAP, INC.
CONSOLIDATED STATEMENTS OF CASH FLOW

($ in millions)
Cash flows from operating activities: 
Net income
Adjustments to reconcile net income to net cash provided by operating activities:

Depreciation and amortization
Amortization of lease incentives
Share-based compensation
Impairment of operating lease assets
Impairment of store assets
Loss on disposal of property and equipment
Non-cash and other items
Gain on sale of building
Deferred income taxes
Changes in operating assets and liabilities:

Merchandise inventory
Other current assets and other long-term assets 
Accounts payable
Accrued expenses and other current liabilities 
Income taxes payable, net of prepaid and other tax-related items 
Lease incentives and other long-term liabilities 
Operating lease assets and liabilities, net

Net cash provided by operating activities
Cash flows from investing activities: 
Purchases of property and equipment
Purchase of building
Proceeds from sale of building
Purchases of short-term investments
Proceeds from sales and maturities of short-term investments 
Purchase of Janie and Jack
Insurance proceeds related to loss on property and equipment 
Other
Net cash used for investing activities
Cash flows from financing activities: 
Payments of debt
Proceeds from issuances under share-based compensation plans 
Withholding tax payments related to vesting of stock units 
Repurchases of common stock
Cash dividends paid
Other
Net cash used for financing activities
Effect of foreign exchange rate fluctuations on cash, cash equivalents, and restricted cash 
Net increase (decrease) in cash, cash equivalents, and restricted cash 
Cash, cash equivalents, and restricted cash at beginning of period  
Cash, cash equivalents, and restricted cash at end of period 
Non-cash investing activities:
Purchases of property and equipment not yet paid at end of period 
Supplemental disclosure of cash flow information: 
Cash paid for interest during the period
Cash paid for income taxes during the period, net of refunds 
Cash paid for operating lease liabilities

See Accompanying Notes to Consolidated Financial Statements

43

2019 

Fiscal Year
2018 

2017

$ 

351  $  1,003  $ 

848

557 
— 
68 
239
98 
70
(10) 
(191) 
(81) 

4 
105 
66 
110 
86 
— 
(61) 
1,411 

(702) 
(343) 
220
(293) 
293 
(69) 
— 
— 
(894) 

578 
(61) 
91 
—
14 
4
(10) 
— 
65 

(154) 
(18) 
(78) 
(196) 
113 
30 
— 
1,381 

(705) 
— 
—
(464) 
177 
— 
— 
(9) 
(1,001) 

559
(60)
87
—
28
11
8
—
61

(142)
33
(90)
34
(52)
55
—
1,380

(731)
—
—
—
—
—
66
(1)
(666)

— 
25 
(21) 
(200) 
(364) 
—
(560) 
4 
(39) 
1,420 

(67)
30
(18)
(315)
(361)
—
(731)
19
2
1,797
$  1,381  $  1,420  $  1,799

— 
46 
(23) 
(398) 
(373) 
(1)
(749) 
(10) 
(379) 
1,799 

$ 

85  $ 

93  $ 

77

  76
$
176  $ 

$
$ 
$ 1,244

  76
  76
$
143  $ 
570
$   — $   —

Notes to Consolidated Financial Statements
For the Fiscal Years Ended February 1, 2020, February 2, 2019, and February 3, 2018 

Note 1. Organization and Summary of Significant Accounting Policies  
Organization

The Gap, Inc., a Delaware corporation, is a global omni-channel retailer offering apparel, accessories, and
personal care products for men, women, and children under the Old Navy, Gap, Banana Republic, Athleta,
Intermix, Janie and Jack, and Hill City brands. We have Company-operated stores in the United States, Canada,
the United Kingdom, France, Ireland, Japan, Italy, China, Hong Kong, Taiwan, and Mexico. We also have
franchise agreements with unaffiliated franchisees to operate Old Navy, Gap, and Banana Republic stores in over
30 other countries around the world. In addition, our products are available to customers online through
Company-owned websites and through the use of third parties that provide logistics and fulfillment services.

Principles of Consolidation

The Consolidated Financial Statements include the accounts of The Gap, Inc. and its subsidiaries. All
intercompany transactions and balances have been eliminated.

Fiscal Year and Presentation

Our fiscal year is a 52-week or 53-week period ending on the Saturday closest to January 31. The fiscal years
ended February 1, 2020 (fiscal 2019), and February 2, 2019 (fiscal 2018) consisted of 52 weeks. The fiscal year
ended February 3, 2018 (fiscal 2017) consisted of 53 weeks.

Use of Estimates

The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates
and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and
liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the
reporting period. Actual results could differ from those estimates.

Cash, Cash Equivalents and Short-Term Investments

Cash includes funds deposited in banks and amounts in transit from banks for customer credit card and debit card
transactions that process in less than seven days. 

All highly liquid investments with original maturities of three months or less at the time of purchase are classified
as cash equivalents. Our cash equivalents are placed primarily in time deposits and money market funds. With
the exception of our available-for-sale investments noted below, we value these investments at their original
purchase prices plus interest that has accrued at the stated rate. Income related to these securities is recorded in
interest income on the Consolidated Statements of Income. 

Highly liquid investments with original maturities of greater than three months and less than two years are
classified as short-term investments. These investments are classified as available-for-sale and are recorded at
fair value using market prices.

Changes in the fair value of available-for-sale investments impact net income only when such securities are sold
or an other-than-temporary impairment is recognized. Income related to these investments is recorded in interest
income on the Consolidated Statements of Income. 

See Note 7 of Notes to Consolidated Financial Statements for disclosures related to fair value measurements.

44

Restricted Cash

As of February 1, 2020 and February 3, 2018, restricted cash primarily includes consideration that serves as 
collateral for our insurance obligations. As of February 2, 2019, restricted cash primarily includes consideration 
held by a third party in connection with the purchase of a building, as well as consideration that serves as 
collateral for our insurance obligations. The following table provides a reconciliation of cash, cash equivalents, 
and restricted cash reported in our Consolidated Balance Sheets to the total shown on our Consolidated 
Statements of Cash Flows:

($ in millions)
Cash and cash equivalents

Restricted cash included in other current assets 

Restricted cash included in other long-term assets (1) 

Total cash, cash equivalents, and restricted cash shown on the 
Consolidated Statement of Cash Flows

__________

February 1, 
 2020

February 2, 
 2019

February 3, 
 2018

$

1,364

$

1,081

$

1,783

— 

17 

1 

338 

1

15

$

1,381

$

1,420

$

1,799

(1)  Fiscal 2018 included $320 million of consideration held by a third party in connection with the purchase of a building that was

completed in fiscal 2019.

Merchandise Inventory

We value inventory at the lower of cost or net realizable value, with cost determined using the weighted-average 
cost method. We record an adjustment when future estimated selling price is less than cost. We review our 
inventory levels in order to identify slow-moving merchandise and broken assortments (items no longer in stock in 
a sufficient range of sizes or colors) and use promotions and markdowns to clear merchandise. In addition, we 
estimate and accrue shortage for the period between the last physical count and the balance sheet date.

Derivative Financial Instruments

Derivative financial instruments are recorded at fair value on the Consolidated Balance Sheets as other current 
assets, other long-term assets, accrued expenses and other current liabilities, or lease incentives and other long-
term liabilities.

For derivative financial instruments that are designated and qualify as cash flow hedges, the effective portion of 
the gain or loss on the derivative financial instruments is reported as a component of other comprehensive 
income (“OCI”) and is recognized in income in the period in which the underlying transaction impacts the income 
statement. For derivative financial instruments that are designated and qualify as net investment hedges, the 
effective portion of the gain or loss on the derivative financial instruments is reported as a component of OCI and 
is reclassified into income in the period or periods during which the hedged subsidiary is either sold or liquidated 
(or substantially liquidated). Gains and losses on the derivative financial instruments representing either hedge 
ineffectiveness or hedge components excluded from the assessment of effectiveness, if any, are recognized in 
current income. For derivative financial instruments not designated as hedging instruments, the gain or loss on 
the derivative financial instruments is recorded in operating expenses on the Consolidated Statements of Income. 
Cash flows from derivative financial instruments are classified as cash flows from operating activities on the 
Consolidated Statements of Cash Flows.

See Note 8 of Notes to Consolidated Financial Statements for related disclosures.

45

Property and Equipment

Depreciation is computed using the straight-line method over the estimated useful lives of the related assets.
Estimated useful lives are as follows:

Category
Leasehold improvements
Furniture and equipment
Software
Buildings and building improvements

Term
Shorter of remaining lease term or economic life, up to 15 years
Up to 10 years
3 to 7 years
Up to 39 years

When assets are sold or retired, the cost and related accumulated depreciation are removed from the accounts,
with any resulting gain or loss recorded in operating expenses on the Consolidated Statements of Income. Costs
of maintenance and repairs are expensed as incurred.

Leases

We determine if a long-term contractual obligation is a lease at inception. The majority of our operating leases
relate to retail stores. We also lease some of our corporate facilities and distribution centers. These operating
leases expire at various dates through fiscal 2042. Most store leases have a five-year base period and include
options that allow us to extend the lease term beyond the initial base period, subject to terms agreed upon at
lease inception. Some leases also include early termination options, which can be exercised under specific
conditions. Our lease agreements do not contain any material residual value guarantees or material restrictive
covenants. 

We record our lease liabilities at the present value of the lease payments not yet paid, discounted at the rate of
interest that the Company would have to pay to borrow on a collateralized basis over a similar term. As the
Company's leases do not provide an implicit interest rate, the Company uses an incremental borrowing rate
based on the information available at commencement date in determining the present value of lease payments.
We have elected the practical expedient to combine lease and nonlease components for our operating leases. We
recognize operating lease cost over the estimated term of the lease, which includes options to extend lease terms
that are reasonably certain of being exercised, starting when possession of the property is taken from the
landlord, which normally includes a construction period prior to the store opening. When a lease contains a
predetermined fixed escalation of the fixed rent, we recognize the related operating lease cost on a straight-line
basis over the lease term. In addition, certain of our lease agreements include variable lease payments, such as
payments based on a percentage of sales that are in excess of a predetermined level and/or increases based on
a change in the consumer price index or fair market value. These variable lease payments are excluded from
minimum lease payments and are included in the determination of net lease cost when it is probable that the
expense has been incurred and the amount can be reasonably estimated. If an operating lease asset is impaired,
the remaining operating lease asset will be amortized on a straight-line basis over the remaining lease term.

See Note 12 of Notes to Consolidated Financial Statements for related disclosures.

Revenue Recognition 

The Company’s revenues include merchandise sales at stores, online, and through franchise agreements. We
also receive revenue sharing from our credit card agreement for private label and co-branded credit cards, and
breakage revenue related to our gift cards, credit vouchers, and outstanding loyalty points, which are realized
based upon historical redemption patterns. For online sales and catalog sales, the Company has elected to treat
shipping and handling as fulfillment activities and not a separate performance obligation. Accordingly, we
recognize revenue for our single performance obligation related to online sales and catalog sales at the time
control of the merchandise passes to the customer, which is generally at the time of shipment. We also record an
allowance for estimated merchandise returns based on our historical return patterns and various other
assumptions that management believes to be reasonable, which is presented on a gross basis on our
Consolidated Balance Sheets. Revenues are presented net of any taxes collected from customers and remitted to
governmental authorities.

46

We have credit card agreements with third parties to provide our customers with private label credit cards and co-
branded credit cards (collectively, the “Credit Card programs"). Each private label credit card bears the logo of Old
Navy, Gap, Banana Republic, or Athleta and can be used at any of our U.S. or Canadian store locations and
online. The co-branded credit card is a VISA credit card bearing the logo of Old Navy, Gap, Banana Republic, or
Athleta and can be used everywhere VISA credit cards are accepted. The Credit Card programs offer incentives
to cardholders in the form of reward certificates upon the cumulative purchase of an established amount. 

Synchrony Financial ("Synchrony"), a third-party financing company, is the sole owner of the accounts and
underwrites the credit issued under the Credit Card programs. Our agreement with Synchrony provides for certain
payments to be made to us, including a share of revenue from the performance of the credit card portfolios and
reimbursements of loyalty program discounts. We have identified separate performance obligations related to our
credit card agreement that includes both providing a license and an obligation to redeem loyalty points issued
under the loyalty rewards program. Our obligation to provide a license is satisfied when the subsequent sale or
usage occurs and our obligation to redeem loyalty points is deferred until those loyalty points are redeemed. 

Prior to fiscal 2018, income received related to our Credit Card programs was recorded within operating expenses
and cost of goods sold and occupancy expenses. With the adoption of new revenue recognition standard, income
related to our Credit Card programs is now classified within net sales on our Consolidated Statements of Income.

We defer revenue when cash payments are received in advance of performance for unsatisfied obligations related
to our gift cards, credit vouchers, outstanding loyalty points, and reimbursements of loyalty program discounts
associated with our credit card agreement. 

We also have franchise agreements with unaffiliated franchisees to operate Gap, Banana Republic, and Old Navy
stores in a number of countries throughout Asia, Europe, Latin America, the Middle East, and Africa. Under these
agreements, third parties operate, or will operate, stores that sell apparel and related products under our brand
names. We have identified separate performance obligations related to our franchise agreements that include
both providing our franchise partners with a license and an obligation to supply franchise partners with our
merchandise. Our obligation to provide a license is satisfied when the subsequent sale or usage occurs and our
obligation to supply franchise partners with our merchandise is satisfied when control transfers. 

See Note 3 of Notes to Consolidated Financial Statements for related disclosures.

Classification of Expenses

Cost of goods sold and occupancy expenses include the following:

• the cost of merchandise;

• inventory shortage and valuation adjustments;

• freight charges;

• online shipping and packaging costs;

• cost associated with our sourcing operations, including payroll, benefits, and other administrative expenses;

• lease and other occupancy related cost, depreciation, and amortization related to our store operations,

distribution centers, information technology, and certain corporate functions; and 

• gains and losses associated with foreign currency derivative contracts used to hedge forecasted merchandise

purchases and related costs denominated in U.S. dollars made by our international subsidiaries whose
functional currencies are their local currencies.

Operating expenses include the following:

• payroll, benefits, and other administrative expenses for our store operations, field management, and distribution

centers;

• payroll, benefits, and other administrative expenses for our corporate functions, including product design and

development;

• marketing;

47

• information technology expenses and maintenance costs;

• lease and other occupancy related cost, depreciation, and amortization for our corporate facilities; 

• research and development expenses;

• gains and losses associated with foreign currency derivative contracts not designated as hedging instruments;

• third party credit card processing fees; and

• other expenses (income).

Payroll, benefits, and other administrative expenses for our distribution centers recorded in operating expenses
were $293 million, $316 million, and $297 million in fiscal 2019, 2018, and 2017, respectively. Research and
development costs described in Accounting Standards Codification ("ASC") No. 730 are expensed as incurred.
These costs include expenditures for new innovative products and technological improvements for existing
products and process innovation, which primarily consist of payroll and related benefits attributable to time spent
on research and development activities. Research and development expenses recorded in operating expenses
under ASC 730 were $41 million, $50 million, and $51 million in fiscal 2019, 2018, and 2017, respectively. 

The classification of expenses varies across the apparel retail industry. Accordingly, our cost of goods sold and
occupancy expenses and operating expenses may not be comparable to those of other companies.

Impairment of Long-Lived Assets 

We review the carrying amount of long-lived assets for impairment whenever events or changes in circumstances
indicate that the carrying amount of an asset may not be recoverable. Events that result in an impairment review
include a significant decrease in the operating performance of the long-lived asset, or the decision to close a
store, corporate facility, or distribution center. Long-lived assets are considered impaired if the carrying amount
exceeds the estimated undiscounted future cash flows of the asset or asset group over the estimated remaining
lease term. The asset group is defined as the lowest level for which identifiable cash flows are available and
largely independent of the cash flows of other groups of assets, which for our retail stores is at the store level. The
asset group is comprised of both property and equipment and operating lease assets. For impaired assets, we
recognize a loss equal to the difference between the carrying amount of the asset or asset group and its
estimated fair value, which is recorded in operating expenses on the Consolidated Statements of Income. The
estimated fair value of the asset or asset group is based on discounted future cash flows of the asset or asset
group using a discount rate commensurate with the related risk. For operating lease assets, the Company
determines the fair value of the assets by discounting the estimated market rental rates over the remaining term
of the lease. These estimates can be affected by factors such as future store results, real estate demand, store
closure plans, property specific discount rate and economic conditions that can be difficult to predict.

See Note 7 of Notes to Consolidated Financial Statements for related disclosures.

48

Impairment of Goodwill and Intangible Assets 

We review the carrying amount of goodwill and other indefinite-lived intangible assets for impairment annually in
the fourth quarter of the fiscal year and whenever events or changes in circumstances indicate that the carrying
amount may not be recoverable. Events that result in an impairment review include significant changes in the
business climate, declines in our operating results, or an expectation that the carrying amount may not be
recoverable. We assess potential impairment by considering present economic conditions as well as future
expectations. If goodwill is considered impaired, we recognize a loss equal to the difference between the carrying
amount and the estimated fair value of the reporting unit. 

A trade name is considered impaired if the carrying amount exceeds its estimated fair value. If a trade name is
considered impaired, we recognize a loss equal to the difference between the carrying amount and the estimated
fair value of the trade name. The fair value of a trade name is determined using the relief from royalty method,
which requires management to make assumptions and to apply judgment, including forecasting future sales and
expenses, and selecting appropriate discount rates and royalty rates.

Goodwill and other indefinite-lived intangible assets, including the trade names, are recorded in other long-term
assets on the Consolidated Balance Sheets.

See Note 4 of Notes to Consolidated Financial Statements for related disclosures.

Advertising

Costs associated with the production of advertising, such as writing, copy, printing, and other costs, are expensed
as incurred. Costs associated with communicating advertising that has been produced, such as television and
magazine costs, are expensed when the advertising event takes place. Advertising expense was $687 million,
$650 million, and $673 million in fiscal 2019, 2018, and 2017, respectively, and is recorded in operating expenses
on the Consolidated Statements of Income.

Share-Based Compensation

Share-based compensation expense for stock options and other stock awards is determined based on the grant-
date fair value. We use the Black-Scholes-Merton option-pricing model to determine the fair value of stock
options, which requires the input of subjective assumptions regarding the expected term, expected volatility,
dividend yield, and risk-free interest rate. For units granted whereby one share of common stock is issued for
each unit as the unit vests (“Stock Units”), the fair value is determined based on the Company’s stock price on the
date of grant less future expected dividends during the vesting period. For stock options and Stock Units, we
recognize share-based compensation cost over the vesting period. We account for forfeitures as they occur.
Share-based compensation expense is recorded primarily in operating expenses on the Consolidated Statements
of Income over the period during which the employee is required to provide service in exchange for stock options
and Stock Units.

See Note 11 of Notes to Consolidated Financial Statements for related disclosures.

49

Foreign Currency

Our international subsidiaries primarily use local currencies as their functional currency and translate their assets 
and liabilities at the current rate of exchange in effect at the balance sheet date. Revenue and expenses from 
their operations are translated using rates that approximate those in effect during the period in which the 
transactions occur. The resulting gains and losses from translation are recorded on the Consolidated Statements 
of Comprehensive Income and in accumulated OCI on the Consolidated Statements of Stockholders’ Equity. 
Transaction gains and losses resulting from intercompany balances of a long-term investment nature are also 
classified as accumulated OCI. Transaction gains and losses that arise from exchange rate fluctuations on 
transactions denominated in a currency other than the local functional currency are recorded in operating 
expenses on the Consolidated Statements of Income. 

The aggregate transaction gains and losses recorded in operating expenses on the Consolidated Statements of 
Income are as follows:

($ in millions)
Foreign currency transaction gain (loss) 
Realized and unrealized gain (loss) from certain derivative financial instruments 
Net foreign exchange gain 

$ 

$ 

Fiscal Year

2019 

2018 

2017

1  $ 
4 
5  $ 

(32)  $ 
34 

2  $ 

31
(30)
1

Income Taxes

Deferred income taxes are recorded for temporary differences between the tax basis of assets and liabilities and 
their reported amounts on the Consolidated Financial Statements. A valuation allowance is established against 
deferred tax assets when it is more likely than not that some portion or all of the deferred tax assets will not be 
realized.

Our income tax expense includes changes in our estimated liability for exposures associated with our various tax 
filing positions. At any point in time, many tax years are subject to or in the process of being audited by various 
taxing authorities. To the extent our estimates of settlements change or the final tax outcome of these matters is 
different from the amounts recorded, such differences will impact the income tax provision in the period in which 
such determinations are made.

The Company recognizes interest related to unrecognized tax benefits in interest expense and penalties related 
to unrecognized tax benefits in operating expenses on the Consolidated Statements of Income.

The Company has made an accounting policy election to treat taxes due on the global intangible low-taxed 
income (“GILTI”) of foreign subsidiaries as a current period expense.

See Note 13 of Notes to Consolidated Financial Statements included for additional information on the impact of 
the U.S. Tax Cuts and Jobs Act of 2017 on income taxes.

Earnings per Share

Basic earnings per share is computed as net income divided by basic weighted-average number of common 
shares outstanding for the period. Diluted earnings per share is computed as net income divided by diluted 
weighted-average number of common shares outstanding for the period including common stock equivalents. 
Common stock equivalents consist of shares subject to share-based awards with exercise prices less than the 
average market price of our common stock for the period, to the extent their inclusion would be dilutive. Stock 
options and other stock awards that contain performance conditions are not included in the calculation of common 
stock equivalents until such performance conditions have been achieved.

See Note 15 of Notes to Consolidated Financial Statements for related disclosures.

50

Recent Accounting Pronouncements

Except as noted below, the Company has considered all recent accounting pronouncements and has concluded
that there are no recent accounting pronouncements that may have a material impact on its Consolidated
Financial Statements, based on current information.

Accounting Pronouncements Recently Adopted 

Leases 

In February 2016, the Financial Accounting Standards Board ("FASB") issued ASU No. 2016-02, Leases. Under
the new guidance, lessees are required to recognize a lease liability and an operating lease asset at the
commencement date. We adopted ASC 842 on February 3, 2019 using the optional transition method, which
allows for the prospective application of the standard. As of the effective date, we recorded a decrease to opening
retained earnings of $86 million, net of tax, which consisted primarily of impairment charges for certain store and
operating lease assets. In addition, we elected the package of practical expedients permitted under the transition
guidance within the standard, which allowed us to carry forward our historical lease classification, to not reassess
prior conclusions related to initial direct costs, and to not reassess whether any expired or existing contracts are
or contain leases. The adoption of ASC 842 resulted in the recording of operating lease assets and operating
lease liabilities of $5.7 billion and $6.6 billion, respectively, on our Consolidated Balance Sheet as of February 3,
2019. 

See Note 12 of Notes to Consolidated Financial Statements for related disclosures.

Derivatives and Hedging: Targeted Improvements to Accounting for Hedging Activities

In August 2017, the FASB issued ASU No. 2017-12, Derivatives and Hedging: Targeted Improvements to
Accounting for Hedging Activities. The amendments are intended to better align an entity's risk management
activities and financial reporting for hedging relationships through changes to the designation and measurement
guidance for qualifying hedging relationships and the presentation of hedge results. In addition, this guidance
amends and expands disclosure requirements. We adopted this ASU on a prospective basis on February 3, 2019.
The adoption of this standard did not have a material impact on our Consolidated Financial Statements.

See Note 8 of Notes to Consolidated Financial Statements for related disclosures.

Revenue from Contracts with Customers 

In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers, to clarify the
principles of recognizing revenue and create common revenue recognition guidance between U.S. GAAP and
International Financial Reporting Standards. 

On February 4, 2018, we adopted ASU No. 2014-09 and related amendments (collectively “ASC 606”) using the
modified retrospective transition method and recorded an increase to opening retained earnings of $36 million,
net of tax, related primarily to breakage revenue for gift cards and credit vouchers, outstanding loyalty points, and
reimbursements of loyalty program discounts. The comparative information has not been restated and continues
to be reported under the accounting standards in effect for those periods. 

For fiscal 2018, the impact of applying ASC 606 primarily resulted in an increase in net sales driven by a
reclassification of $443 million for revenue sharing associated with our credit card programs and breakage
revenue for gift cards and credit vouchers, which were previously recorded as a reduction to operating expenses
on our Consolidated Statements of Income. Net sales for fiscal 2018 also increased by $176 million due to the
reclassification of reimbursements of loyalty program discounts associated with our Credit Card programs, which
were previously recorded as a reduction to cost of goods sold and occupancy expenses on our Consolidated
Statements of Income. There were no other material impacts to the Consolidated Statements of Income resulting
from the application of ASC 606 during fiscal 2018.

See Note 3 of Notes to Consolidated Financial Statements for related disclosures. 

51

Accounting Pronouncements Not Yet Adopted

ASU No. 2018-15, Customer's Accounting for Implementation Costs Incurred in a Cloud Computing 
Arrangement That Is a Service Contract

In August 2018, the FASB issued ASU No. 2018-15, Customer’s Accounting for Implementation Costs Incurred in 
a Cloud Computing Arrangement That Is a Service Contract. The ASU is intended to align the requirements for 
capitalization of implementation costs incurred in a cloud computing arrangement that is a service contract with 
the existing guidance for internal-use software. This guidance is effective for fiscal years and interim periods 
within those years beginning after December 15, 2019. The guidance provides flexibility in adoption, allowing for 
either retrospective adjustment or prospective adjustment for all implementation costs incurred after the date of 
adoption. We do not expect that the adoption of this ASU will have a material impact on our Consolidated 
Financial Statements.

ASU No. 2019-12, Simplifying the Accounting for Income Taxes 

In December 2019, the FASB issued ASU No. 2019-12, Simplifying the Accounting for Income Taxes. The ASU is 
intended to enhance and simplify aspects of the income tax accounting guidance in ASC 740 as part of the 
FASB's simplification initiative. This guidance is effective for fiscal years and interim periods within those years
beginning after December 15, 2020 with early adoption permitted. The Company is currently evaluating the impact 
this guidance may have on our Consolidated Financial Statements.

Note 2. Additional Financial Statement Information 
Cash and Cash Equivalents

Cash and cash equivalents consist of the following:

($ in millions)
Cash (1)
Bank certificates of deposit and time deposits 
Money market funds
Domestic commercial paper and other 
Cash and cash equivalents 
__________

February 1, 
 2020

February 2, 
 2019

$ 

$ 

1,053  $ 
286 
19 
6 
1,364  $ 

708
341
26
6
1,081

(1)  Cash includes $61 million and $68 million of amounts in transit from banks for customer credit card and debit card transactions as of

February 1, 2020 and February 2, 2019, respectively.

Short-Term Investments

Short-term investments consist of the following:

($ in millions)
U.S. agency securities  
Corporate securities
U.S. treasury securities
Short-term investments 

February 1, 
 2020

February 2, 
 2019

$

$

25  $ 

148 
117 
290  $ 

22
141
125
288

52

 
 
Other Current Assets

Other current assets consist of the following:

($ in millions)
Accounts receivable

Prepaid income taxes

Prepaid minimum rent and occupancy expenses 

Right of return asset

Derivative financial instruments 

Other

Other current assets

Property and Equipment

February 1, 
 2020

February 2, 
 2019

$

$

316

$

77 

148 

36 

10 

119 

706

$

321

102

157

38

20

113

751

Property and equipment are stated at cost less accumulated depreciation and consist of the following:

($ in millions)
Leasehold improvements 
Furniture and equipment 
Software
Land, buildings, and building improvements 
Construction-in-progress
Property and equipment, at cost 
Less: Accumulated depreciation 
Property and equipment, net of accumulated depreciation 

February 1, 
 2020

February 2, 
 2019

$ 

$ 

2,923  $ 
2,802 
1,626 
1,408 
202 
8,961 
(5,839) 
3,122  $ 

3,104
2,732
1,525
1,123
183
8,667
(5,755)
2,912

Depreciation expense for property and equipment was $554 million, $575 million, and $556 million for fiscal 2019, 
2018, and 2017, respectively.

Interest of $7 million, $10 million, and $9 million related to assets under construction was capitalized in fiscal 
2019, 2018, and 2017, respectively.

We recorded a total charge for the impairment of store assets of $98 million, $14 million, and $28 million for fiscal 
2019, 2018, and 2017, respectively, which is recorded in operating expenses on the Consolidated Statements of 
Income. 

See Note 7 of Notes to Consolidated Financial Statements for information regarding impairment charges.

53

Other Long-Term Assets

Other long-term assets consist of the following:

($ in millions)
Long-term income tax-related assets

Goodwill

Trade names

Restricted cash (1)

Other

Other long-term assets
__________

February 1, 
 2020

February 2, 
 2019

$

$

256

$

109 

121 

17 

136 

639

$

151

109

92

338

196

886

(1)  Fiscal 2018 included $320 million of consideration held by a third party in connection with the purchase of a building completed in fiscal

2019. 

No goodwill impairment or trade name impairment charges were recorded in fiscal 2019, 2018, or 2017. 

Accrued Expenses and Other Current Liabilities

Accrued expenses and other current liabilities consist of the following:

($ in millions)
Accrued compensation and benefits  
Deferred revenue

Short-term deferred rent and tenant allowances (1) 
Sales return allowance
Accrued advertising
Derivative financial instruments 
Other
Accrued expenses and other current liabilities 
__________

February 1, 
 2020

February 2, 
 2019

$

$ 

291  $ 
226 
— 
74 
57 
10 
409 
1,067  $ 

254
227
101
78
41
11
312
1,024

(1)  Beginning in fiscal 2019, short-term deferred rent and tenant allowances no longer reflects lease incentives due to the adoption of the

new lease accounting standard. Prior period amounts have not been restated and continue to be reported under accounting standards 
in effect for those periods.

Lease Incentives and Other Long-Term Liabilities

Lease incentives and other long-term liabilities consist of the following:

($ in millions)
Long-term deferred rent and tenant allowances (1)  
Long-term income tax-related liabilities 
Long-term asset retirement obligations 
Other
Lease incentives and other long-term liabilities  
__________

February 1, 
 2020

February 2, 
 2019

$

$

50  $ 

152 
56 
139 
397  $ 

736
118
52
167
1,073

(1)  Beginning in fiscal 2019, long-term deferred rent and tenant allowances no longer reflects lease incentives due to the adoption of the

new lease accounting standard. Prior period amounts have not been restated and continue to be reported under accounting standards 
in effect for those periods.

The net activity related to asset retirement obligations includes adjustments to the asset retirement obligation 
balance and fluctuations in foreign currency exchange rates. 

54

Note 3. Revenue 
The Company’s revenues include merchandise sales at stores, online, and through franchise agreements. We 
also receive revenue sharing from our credit card agreement for private label and co-branded credit cards, and 
breakage revenue related to our gift cards, credit vouchers, and outstanding loyalty points. Breakage revenue is 
recognized based upon historical redemption patterns. For online sales and catalog sales, the Company has 
elected to treat shipping and handling as fulfillment activities and not as a separate performance obligation. 
Accordingly, we recognize revenue for our single performance obligation related to online sales and catalog sales 
at the time control of the merchandise passes to the customer, which is generally at the time of shipment. We also 
record an allowance for estimated merchandise returns based on our historical return patterns and various other 
assumptions that management believes to be reasonable. Revenues are presented net of any taxes collected 
from customers and remitted to governmental authorities.

Our credit card agreement provides for certain payments to be made to us, including a share of revenue from the 
performance of the credit card portfolios and reimbursements of loyalty program discounts. We have identified 
separate performance obligations related to our credit card agreement that include both providing a license and 
an obligation to redeem loyalty points issued under the loyalty rewards program. Our obligation to provide a 
license is satisfied when the subsequent sale or usage occurs and our obligation to redeem loyalty points is 
deferred until those loyalty points are redeemed. Income related to our credit card agreement is classified within 
net sales on our Consolidated Statements of Income.

We also have franchise agreements with unaffiliated franchisees to operate Gap, Banana Republic, and Old Navy 
stores in a number of countries throughout Asia, Europe, Latin America, the Middle East, and Africa. Under these 
agreements, third parties operate, or will operate, stores that sell apparel and related products under our brand 
names. We have identified separate performance obligations related to our franchise agreements that include 
both providing our franchise partners with a license and an obligation to supply franchise partners with our 
merchandise. Our obligation to provide a license is satisfied when the subsequent sale or usage occurs and our 
obligation to supply franchise partners with our merchandise is satisfied when control of the merchandise 
transfers. As of February 1, 2020 and February 2, 2019, there were no material contract liabilities related to our 
franchise agreements.

We defer revenue when cash payments are received in advance of performance for unsatisfied obligations related 
to our gift cards, credit vouchers, outstanding loyalty points, and reimbursements of loyalty program discounts 
associated with our credit card agreement. For fiscal 2019, the opening balance of deferred revenue for these 
obligations was $227 million, of which $188 million was recognized as revenue during the period. The closing 
balance of deferred revenue related to gift cards, credit vouchers, outstanding loyalty points, and reimbursements 
of loyalty program discounts was $226 million as of February 1, 2020. For fiscal 2018, the opening balance of 
deferred revenue for these obligations was $232 million, of which $200 million was recognized as revenue during 
the period. The closing balance of deferred revenue related to gift cards, credit vouchers, outstanding loyalty 
points, and reimbursements of loyalty program discounts was $227 million as of February 2, 2019. 

We expect that the majority of our revenue deferrals as of February 1, 2020 will be recognized as revenue in the 
next 12 months as our performance obligations are satisfied. 

See Note 17 of Notes to Consolidated Financial Statements for disaggregation of revenue by brand and by 
region. 

Note 4. Goodwill and Trade Names
The following goodwill and trade names are included in other long-term assets on the Consolidated Balance 
Sheets:

($ in millions)
Goodwill (1)
Trade names (2)  

February 1, 
 2020

February 2, 
 2019

$ 
$

109  $ 
121  $ 

109
92

55

 
__________

(1)
(2)

Includes $99 million and $10 million related to Athleta and Intermix, respectively.
Includes $54 million, $38 million, and $29 million related to Athleta, Intermix, and Janie and Jack, respectively.

Goodwill

We assess whether events or circumstances indicate that goodwill is impaired every quarter, and evaluate
goodwill impairment annually in the fourth quarter of the fiscal year. During the fourth quarter of fiscal 2019, 2018,
and 2017, we completed our annual impairment test of goodwill and did not recognize any impairment charges. 

Trade Names

During the fourth quarter of fiscal 2019, 2018, and 2017, we completed our annual impairment test of trade names
and did not recognize any impairment charges.

Note 5. Debt
As of February 1, 2020 and February 2, 2019, the amount recorded in long-term debt on the Consolidated
Balance Sheets for our $1.25 billion aggregate principal amount of 5.95 percent notes (the "Notes") due April
2021 was $1.25 billion and is equal to the aggregate principal amount of the Notes, net of the unamortized
discount. As of February 1, 2020 and February 2, 2019, the estimated fair value of the Notes was $1.29 billion
and $1.30 billion, respectively, and was based on the quoted market price of the Notes (level 1 inputs) as of the
last business day of the respective fiscal year. Interest is payable semi-annually on April 12 and October 12 of
each year, and we have an option to call the Notes in whole or in part at any time, subject to a make-whole
premium. The Notes agreement is unsecured and does not contain any financial covenants. 

Note 6. Credit Facilities
We have a $500 million, five-year, unsecured revolving credit facility (the "Facility"), which is scheduled to expire
in May 2023. As of February 1, 2020, there were no borrowings and no material outstanding standby letters of
credit under the Facility.

We maintain multiple agreements with third parties that make unsecured revolving credit facilities available for our
operations in foreign locations (the “Foreign Facilities”). These Foreign Facilities are uncommitted and are
generally available for borrowings, overdraft borrowings, and the issuance of bank guarantees. The total capacity
of the Foreign Facilities was $56 million as of February 1, 2020. As of February 1, 2020, there were no borrowings
under the Foreign Facilities. There were $18 million in bank guarantees issued and outstanding primarily related
to store leases under the Foreign Facilities as of February 1, 2020. 

We have bilateral unsecured standby letter of credit agreements that are uncommitted and do not have expiration
dates. As of February 1, 2020, we had $21 million in standby letters of credit issued under these agreements.

The Facility contains financial and other covenants including, but not limited to, limitations on liens and subsidiary
debt, as well as the maintenance of two financial ratios—a minimum annual fixed charge coverage ratio of 2.00
and a maximum annual leverage ratio of 2.25. As of February 1, 2020, we were in compliance with all such
covenants. Violation of these covenants could result in a default under the Facility, which would permit the
participating banks to terminate our ability to access the Facility for letters of credit and advances and require the
immediate repayment of any outstanding advances.

56

Note 7. Fair Value Measurements
The Company measures certain financial assets and liabilities at fair value on a recurring basis, including 
derivatives and available-for-sale debt securities. The Company categorizes financial assets and liabilities 
recorded at fair value based upon a three-level hierarchy that considers the related valuation techniques.

There were no material purchases, sales, issuances, or settlements related to recurring level 3 measurements 
during fiscal 2019 or 2018. There were no transfers of financial assets or liabilities into or out of level 1, level 2, 
and level 3 during fiscal 2019 or 2018.

Financial Assets and Liabilities

Financial assets and liabilities measured at fair value on a recurring basis and cash equivalents held at amortized 
cost are as follows:

($ in millions) 
Assets:

Fair Value Measurements at Reporting Date Using

Quoted Prices in 
Active Markets for 
Identical Assets 
(Level 1)

Significant Other 
Observable Inputs 
(Level 2)

Significant 
Unobservable 
Inputs
(Level 3)

February 1, 2020

Cash equivalents 
Short-term investments 
Derivative financial instruments 
Deferred compensation plan assets 
Other assets 
Total 
Liabilities:

Derivative financial instruments 

$ 

$ 

$

311  $
290 
10 
51 
2 
664  $ 

19  $ 

117 
— 
51 
— 
187  $ 

292  $ 
173 
10 
— 
— 
475  $ 

—
—
—
—
2
2

10  $

—  $

10  $ 

  —

($ in millions) 
Assets:

Cash equivalents

Short-term investments 
Derivative financial instruments 
Deferred compensation plan assets 
Other assets 
Total 
Liabilities:

Derivative financial instruments 

Fair Value Measurements at Reporting Date Using

Quoted Prices in 
Active Markets for 
Identical Assets 
(Level 1)

Significant Other 
Observable Inputs 
(Level 2)

Significant 
Unobservable 
Inputs
(Level 3)

February 2, 2019

$

$ 

$

373 $
288 
20 
48 
2 
731  $ 

26 $

125 
— 
48 
— 
199  $ 

347 $
163 
20 
— 
— 
530  $ 

—
—
—
—
2
2

11  $

—  $

11  $ 

  —

57

  
 
 
 
 
  
 
 
 
 
We have highly liquid investments classified as cash equivalents, which are placed primarily in time deposits,
money market funds, and commercial paper. With the exception of our available-for-sale investments noted
below, we value these investments at their original purchase prices plus interest that has accrued at the stated
rate. 

Our available-for-sale securities are comprised of investments in debt securities. These securities are recorded at
fair value using market prices. As of February 1, 2020 and February 2, 2019, the Company held $290 million and
$288 million, respectively, of available-for-sale debt securities with maturity dates greater than three months and
less than two years within short-term investments on the Consolidated Balance Sheets. In addition, as of
February 1, 2020 and February 2, 2019, the Company held $23 million and $16 million, respectively, of available-
for-sale debt securities with maturities of less than three months at the time of purchase within cash and cash
equivalents on the Consolidated Balance Sheets. Unrealized gains or losses on available-for-sale debt securities
included in accumulated other comprehensive income were immaterial as of February 1, 2020 and February 2,
2019. 

The Company regularly reviews its available-for-sale securities for other-than-temporary impairment. The
Company did not consider any of its securities to be other-than-temporarily impaired and, accordingly, did not
recognize any impairment loss during the fiscal years ended February 1, 2020 or February 2, 2019.

Derivative financial instruments primarily include foreign exchange forward contracts. See Note 8 of Notes to
Consolidated Financial Statements for information regarding currencies hedged against the U.S. dollar.

We maintain the Gap, Inc., Deferred Compensation Plan (“DCP”), which allows eligible employees to defer base
compensation and bonus up to a maximum percentage, and non-employee directors to defer receipt of a portion
of their Board fees. Plan investments are directed by participants and are recorded at market value and
designated for the DCP. The fair value of the Company’s DCP assets is determined based on quoted market
prices, and the assets are recorded in other long-term assets on the Consolidated Balance Sheets. 

See Note 14 of Notes to Consolidated Financial Statements for information regarding employee benefit plans.

Nonfinancial Assets

Long-lived  assets,  which  for  us  primarily  consist  of  store  assets  and  operating  lease  assets,  are  reviewed  for
impairment whenever events or changes in circumstances indicate that the carrying amount of the assets may not
be recoverable. The asset group is defined as the lowest level for which identifiable cash flows are available and
largely independent of the cash flows of other groups of assets, which for our retail stores, is at the store level. For
impaired assets, we recognize a loss equal to the difference between the carrying amount of the asset or asset group
and its estimated fair value, which is recorded in operating expenses on the Consolidated Statements of Income.
For operating lease assets, the Company determines the fair value of the assets by discounting the estimated market
rental rates over the remaining term of the lease. These estimates can be affected by factors such as future store
results, real estate demand, store closure plans, property specific discount rate and economic conditions that can
be difficult to predict. These fair value measurements qualify as level 3 measurements in the fair value hierarchy. 

See Note 1 of Notes to Consolidated Financial Statements for further information regarding the impairment of long-
lived assets.

58

For our specialty flagship stores, we have historically assessed for impairment at the company-wide level. We 
historically treated flagships in this manner because we believed in their strategic importance to the brands and 
the store fleet by providing broad visibility and increased brand awareness both regionally and globally. In fiscal 
2019, as a result of our work around specialty fleet rationalization, we reassessed our operating strategy for 
flagship stores including an evaluation of whether to exit or sublease certain flagship store locations. Due to this 
shift in strategy, the Company determined that, for flagship stores, the individual store represents the lowest level
of independent identifiable cash flows. As a result, during fiscal 2019 we recorded an impairment charge of store
assets and operating lease assets related to our flagship stores that indicated impairment of $73 million and $223 
million, respectively, which was recorded in operating expenses on the Consolidated Statement of Income. The 
impairment change is primarily related to our New York specialty flagship store locations in Times Square for Old 
Navy Global and Gap Global after a formal decision was made in the fourth quarter of fiscal 2019 to pursue 
exiting those locations.

In total and inclusive of the above, we recorded the following long-lived asset impairment charges included in 
operating expenses in the Consolidated Statements of Income:

($ in millions)
Operating lease assets:

Flagship stores

Specialty fleet restructuring 

Other

Total impairment charges of operating lease assets (1)

Store assets:

Flagship stores

Specialty fleet restructuring 

Other

Total impairment charges of store assets (2)

Other indefinite-lived intangible assets

Goodwill

Total impairment charges of long-lived assets

__________

Fiscal Year

2019 

2018 

2017

$

$

$

$

$

$

$

223 $
2 

14

239 $

73 $
11 

14 
98 $
— $
— $
337 $

— $
— 

—
— $

— $
— 

14 
14 $
— $
— $
14 $

—

—

—

—

—

—

28

28

—

—

28

(1)  The impairment charge of operating lease assets reduced the then carrying amount of the applicable operating lease assets of $865

million to their fair value of $626 million during fiscal 2019.

(2)  The impairment charge reduced the then carrying amount of the applicable store assets of $99 million, $15 million, and $30 million to

their fair value of $1 million, $1 million, and $2 million during fiscal 2019, 2018, and 2017, respectively.

Note 8. Derivative Financial Instruments
We operate in foreign countries, which exposes us to market risk associated with foreign currency exchange rate 
fluctuations. We use derivative financial instruments to manage our exposure to foreign currency exchange rate 
risk and do not enter into derivative financial contracts for trading purposes. Consistent with our risk management 
guidelines, we hedge a portion of our transactions related to merchandise purchases for foreign operations and 
certain intercompany transactions using foreign exchange forward contracts. These contracts are entered into 
with large, reputable financial institutions that are monitored for counterparty risk. The currencies hedged against 
changes in the U.S. dollar are Canadian dollar, Japanese yen, British pound, Mexican peso, Euro, Chinese yuan, 
and Taiwan dollar.

59

Cash Flow Hedges

We designate the following foreign exchange forward contracts as cash flow hedges: (1) forward contracts used 
to hedge forecasted merchandise purchases and related costs denominated in U.S. dollars made by our 
international subsidiaries whose functional currencies are their local currencies; (2) forward contracts used to 
hedge forecasted intercompany royalty payments denominated in foreign currencies received by entities whose 
functional currencies are U.S. dollars; and (3) forward contracts used to hedge forecasted intercompany revenue 
transactions related to merchandise sold from our regional purchasing entity, whose functional currency is the
U.S. dollar, to certain international subsidiaries in their local currencies. The foreign exchange forward contracts 
entered into to hedge forecasted merchandise purchases and related costs, intercompany royalty payments, and 
intercompany revenue transactions generally have terms of up to 24 months. 

Net Investment Hedges

We may also use foreign exchange forward contracts to hedge the net assets of international subsidiaries to 
offset the foreign currency translation and economic exposures related to our investment in these subsidiaries.

Other Derivatives Not Designated as Hedging Instruments

We use foreign exchange forward contracts to hedge our market risk exposure associated with foreign currency 
exchange rate fluctuations for certain intercompany balances denominated in currencies other than the functional 
currency of the entity with the intercompany balance. The gain or loss on the derivative financial instruments that 
represent economic hedges, as well as the remeasurement of the underlying intercompany balances, is recorded 
in operating expenses on the Consolidated Statements of Income in the same period and generally offset each 
other. 

Outstanding Notional Amounts

As of February 1, 2020 and February 2, 2019, we had foreign exchange forward contracts outstanding in the 
following notional amounts:

($ in millions)
Derivatives designated as cash flow hedges 
Derivatives not designated as hedging instruments 
Total

February 1, 
 2020

February 2, 
 2019

$ 

$ 

501  $ 
689 
1,190  $ 

774
660
1,434

60

Quantitative Disclosures about Derivative Financial Instruments

The fair values of foreign exchange forward contracts are as follows:

($ in millions)
Derivatives designated as cash flow hedges:

Other current assets

Accrued expenses and other current liabilities 

Derivatives not designated as hedging instruments:

Other current assets

Accrued expenses and other current liabilities 

Total derivatives in an asset position

Total derivatives in a liability position

February 1, 
 2020

February 2, 
 2019

$

$

$

6 $
2 

4 

8 

10 $
10 $

15

3

5

8

20

11

All of the unrealized gains and losses from designated cash flow hedges as of February 1, 2020 will be 
recognized in income within the next 12 months at the then-current values, which may differ from the fair values 
as of February 1, 2020 shown above.

Our foreign exchange forward contracts are subject to master netting arrangements with each of our 
counterparties and such arrangements are enforceable in the event of default or early termination of the contract. 
We do not elect to offset the fair values of our derivative financial instruments on the Consolidated Balance 
Sheets and as such the fair values shown above represent gross amounts. The amounts subject to enforceable 
master netting arrangements are not material as of February 1, 2020 and February 2, 2019. 

See Note 7 of Notes to Consolidated Financial Statements for disclosures on the fair value measurements of our 
derivative financial instruments.

The effective portion of gains and losses on foreign exchange forward contracts designated in a cash flow 
hedging relationship and net investment hedging relationships recorded in OCI, on a pre-tax basis, are as follows:

($ in millions)
Derivatives in cash flow hedging relationships:

Gain (loss) recognized in other comprehensive income

Derivatives in net investment hedging relationships:

Loss recognized in other comprehensive income

Fiscal Year

2019 

2018 

2017

$

$

18 $

50 $

(60)

— $

— $

(1)

61

The pre-tax amounts recognized in income related to derivative instruments are as follows:

($ in millions)

Total amount of expense line items 
presented on the Consolidated Statements 
of Income in which the effects of derivatives 
are recorded

Location and Amount of (Gain) Loss Recognized in Income

Fiscal Year 2019 

Fiscal Year 2018 

Fiscal Year 2017

Cost of 
goods 
sold and 
occupancy 
expenses

Cost of 
goods 
sold and 
occupancy 
expenses

Cost of 
goods 
sold and 
occupancy 
expenses

Operating 
expenses

Operating 
expenses

Operating 
expenses

$ 10,250 $ 5,559 $ 10,258 $ 4,960 $ 9,789 $ 4,587

(Gain) loss recognized in income:

Derivatives designated as cash flow 
hedges

Derivatives not designated as hedging
instruments  

Total (gain) loss recognized in income

$

$

(29)  $    — $

(13)  $   

(1)  $ 

— $

— 
(29)  $   

(4) 
(4)  $ 

— 
(13)  $ 

(33) 
(34)  $ 

— 
— $

1

29

30

For fiscal 2019, 2018, and 2017, there were no amounts of gain or loss reclassified from accumulated OCI into 
income for derivative financial instruments in net investment hedging relationships, as we did not sell or liquidate 
(or substantially liquidate) any of our hedged subsidiaries during the periods.

Note 9. Common Stock 
Common and Preferred Stock

The Company is authorized to issue 2.3 billion shares of common stock and 60 million shares of Class B common 
stock, which is convertible into shares of common stock on a share-for-share basis. Transfer of the Class B 
shares is restricted. In addition, the holders of the Class B common stock have six votes per share on most 
matters and are entitled to a lower cash dividend. No Class B shares have been issued as of February 1, 2020. 

The Company is authorized to issue 30 million shares of one or more series of preferred stock, which has a par 
value of $0.05 per share, and to establish at the time of issuance the issue price, dividend rate, redemption price, 
liquidation value, conversion features, and such other terms and conditions of each series (including voting rights) 
as the Board of Directors deems appropriate, without further action on the part of the stockholders. No preferred 
shares have been issued as of February 1, 2020.

Share Repurchases

Share repurchase activity is as follows:

($ and shares in millions except average per share cost) 
Number of shares repurchased (1) 
Total cost 
Average per share cost including commissions 
__________

2019 

Fiscal Year

2018 

10 

200  $ 
19.18  $ 

14 

398  $ 
28.93  $ 

$ 
$ 

2017

13
315
24.43

(1)  Excludes shares withheld to settle employee statutory tax withholding related to the vesting of stock units.

In February 2016, the Board of Directors approved a $1.0 billion share repurchase authorization. The February 
2016 repurchase program had $287 million remaining as of February 2, 2019. 

62

  
In February 2019, the Board of Directors approved a new $1.0 billion share repurchase authorization which 
superseded and replaced the February 2016 repurchase program. The February 2019 repurchase program had 
$800 million remaining as of February 1, 2020.

All of the share repurchases were paid for as of February 1, 2020, February 2, 2019, and February 3, 2018. All 
common stock repurchased is immediately retired. 

Note 10. Accumulated Other Comprehensive Income
Changes in accumulated other comprehensive income by component, net of tax, are as follows:

($ in millions)
Balance at February 2, 2019

 Foreign currency translation 

 Change in fair value of derivative financial instruments 
 Amounts reclassified from accumulated OCI 

 Other comprehensive loss, net 

Balance at February 1, 2020

$

($ in millions)
Balance at February 3, 2018

 Foreign currency translation  

 Change in fair value of derivative financial instruments 

 Amounts reclassified from accumulated OCI  

 Other comprehensive income (loss), net  

Balance at February 2, 2019

($ in millions)
Balance at January 28, 2017

 Foreign currency translation  

Foreign 
Currency 
Translation
$

Cash Flow
Hedges 

Total

47 $
(2) 
— 
— 
(2) 
45 $

Foreign 
Currency 
Translation
$

64 $
(20) 
— 

3 
(17) 
47 $

$

Foreign 
Currency 
Translation
$

29 $
35

6 $
— 

13 
(24) 
(11) 

(5)  $   

(28)  $   
— 

54 
(20) 
34 

6 $

53
(2)
13
(24)
(13)
40

36
(20)
54
(17)
17

53

Cash Flow
Hedges 

Total

Cash Flow
Hedges 

Total

54

25 $
35
— 
(51)
(51) 
(2)
(2) 
(53) 
(18)
(28)  $          36

 Change in fair value of derivative financial instruments 

 Amounts reclassified from accumulated OCI 

 Other comprehensive income (loss), net 

Balance at February 3, 2018

$

— 

— 

35 
64 $

See Note 8 of Notes to Consolidated Financial Statements for additional disclosures about reclassifications out of 
accumulated other comprehensive income and their corresponding effects on the respective line items on the 
Consolidated Statements of Income.

63

Note 11. Share-Based Compensation 
Share-based compensation expense is as follows:

($ in millions)
Stock units 
Stock options
Employee stock purchase plan 
Share-based compensation expense 
Less: Income tax benefit 
Share-based compensation expense, net of tax 

2019 

Fiscal Year

2018 

2017

$ 

$ 

52  $ 
12 
4 
68 
(23) 
45  $ 

71  $ 
16 
4 
91 
(22) 
69  $ 

69
14
4
87
(35)
52

No material share-based compensation expense was capitalized in fiscal 2019, 2018, or 2017.

There were no material modifications made to our outstanding stock options and other stock awards in fiscal 
2019, 2018, or 2017. 

General Description of Stock Option and Other Stock Award Plans

The 2016 Long-Term Incentive Plan (the "2016 Plan") was amended and restated as of February 22, 2017 and 
further amended and restated in May 2019. Under the 2016 Plan, nonqualified stock options and other stock 
awards are granted to officers, directors, eligible employees, and consultants at exercise prices or initial values 
equal to the fair market value of the Company’s common stock at the date of grant or as determined by the 
Compensation and Management Development Committee of the Board of Directors.

As of February 1, 2020, there were 251,586,781 shares that have been authorized for issuance under the 2016 
Plan.

Stock Units

Under the 2016 Plan, Stock Units are granted to employees and members of the Board of Directors. Vesting 
generally occurs over a period of three to four years of continued service by the employee in equal annual 
installments. Vesting is immediate in the case of members of the Board of Directors. 

In some cases, Stock Unit vesting is also subject to the attainment of pre-determined performance metrics
("Performance Shares"). At the end of each reporting period, we evaluate the probability that the Performance 
Shares will vest. We record share-based compensation expense on an accelerated basis over a period of two to 
three years once granted, based on the grant-date fair value and the probability that the pre-determined 
performance metrics will be achieved.

A summary of Stock Unit activity under the 2016 Plan for fiscal 2019 is as follows:

Shares

8,085,259  $ 
5,295,007  $ 
(2,527,515)  $ 
(3,890,342)  $ 
6,962,409  $ 

Weighted-Average 
Grant-Date
Fair Value Per Share
29.97
21.93
26.25
25.30
24.33

Balance as of February 2, 2019 
Granted
Vested
Forfeited
Balance as of February 1, 2020 

64

  
A summary of additional information about Stock Units is as follows:

 ($ in millions except per share amounts) 
Weighted-average fair value per share of Stock Units granted  $ 
$ 
Fair value of Stock Units vested 

2019 

Fiscal Year

2018 

21.93  $ 
66  $ 

29.33  $ 
58  $ 

2017

21.81
64

The aggregate intrinsic value of unvested Stock Units as of February 1, 2020 was $121 million.

As of February 1, 2020, there was $102 million (before any related tax benefit) of unrecognized share-based 
compensation expense related to unvested Stock Units, which is expected to be recognized over a weighted-
average period of 2.1 years. Total unrecognized share-based compensation expense may be adjusted for future 
forfeitures as they occur.

Stock Units Granted Based on Performance Metrics

Under the 2016 Plan, some Stock Units are granted to employees only after the achievement of pre-determined 
performance metrics. 

At the end of each reporting period, we evaluate the probability that Stock Units will be granted. We record share-
based compensation expense based on the probability that the performance metrics will be achieved, with an 
offsetting increase to current liabilities. We revalue the liability at the end of each reporting period and record an 
adjustment to share-based compensation expense as required based on the probability that the performance 
metrics will be achieved. A Stock Unit is granted upon certification of the performance metrics. At that time, the 
associated liability is reclassified to stockholders’ equity.

Out of 5,295,007 Stock Units granted in fiscal 2019, 1,787,189 Stock Units were granted based on satisfaction of 
performance metrics. 

There was no material liability related to potential Stock Units to be granted based on performance metrics as of 
February 1, 2020. As of February 2, 2019, there was a $2 million liability related to potential Stock Units to be 
granted based on performance metrics, which was recorded in accrued expenses and other current liabilities on 
the Consolidated Balance Sheet.

Stock Options

We have stock options outstanding under the 2016 Plan. Stock options generally expire the earlier of 10 years 
from the grant date, three months after employee termination, or one year after the date of an employee’s 
retirement or death. Vesting generally occurs over a period of four years of continued service by the employee, 
with 25 percent vesting on each of the four anniversary dates.

The fair value of stock options issued during fiscal 2019, 2018, and 2017 was estimated on the date of grant using 
the following assumptions:

Expected term (in years) 
Expected volatility 
Dividend yield
Risk-free interest rate  

2019 

Fiscal Year

2018 

2017

4.2 
37.5% 
4.1% 
2.2% 

3.9 
36.3% 
3.1% 
2.5% 

3.9
38.2%
3.8%
1.7%

65

A summary of stock option activity under the 2016 Plan for fiscal 2019 is as follows:

Balance as of February 2, 2019 
Granted
Exercised
Forfeited/Expired
Balance as of February 1, 2020

Weighted-
Average 
Exercise Price Per 
Share

29.80
24.09
23.33
28.72
28.26

Shares
10,685,422  $ 
3,811,644  $ 
(159,750)  $ 
(2,901,294)  $ 
11,436,022  $ 

A summary of additional information about stock options is as follows: 

  ($ in millions except per share amounts) 
Weighted-average fair value per share of stock options granted 
Aggregate intrinsic value of stock options exercised 
Fair value of stock options vested 

$ 
$ 
$ 

2019 

Fiscal Year

2018 

2017

5.43  $ 
1  $ 
16  $ 

7.75  $ 
5  $ 
14  $ 

5.47
1
12

Information about stock options outstanding and exercisable as of February 1, 2020 is as follows:

Intrinsic Value 
as of 
February 1, 
2020 
(in millions)

Number of 
Shares as of 
February 1, 
2020

$ 
$ 

— 
— 

11,436,022
5,905,582

Weighted-
Average 
Remaining 
Contractual 
Life (in years)

Weighted-
Average 
Exercise Price 
Per Share

6.0  $ 
3.7  $ 

28.26
30.12

Options Outstanding 
Options Exercisable

Employee Stock Purchase Plan

Under our Employee Stock Purchase Plan (“ESPP”), eligible U.S. and Canadian employees are able to purchase 
our common stock at 85 percent of the closing price on the New York Stock Exchange on the last day of the 
three-month purchase periods. Accordingly, compensation expense is recognized for an amount equal to the 15 
percent discount. Employees pay for their stock purchases through payroll deductions at a rate equal to any 
whole percentage from 1 percent to 15 percent. There were 1,381,391, 1,008,100, and 1,113,640 shares issued 
under the ESPP in fiscal 2019, 2018, and 2017, respectively. As of February 1, 2020, there were 5,754,699 
shares reserved for future issuances under the ESPP. 

Note 12. Leases

Net lease cost recognized on our Consolidated Statement of Income is summarized as follows:

($ in millions)
Operating lease cost

Variable lease cost

Sublease income

Net lease cost

Fiscal Year

2019

$

$

1,233

621
(9)
1,845

66

As of February 1, 2020, the maturities of lease liabilities based on the total minimum lease commitment amount 
including options to extend lease terms that are reasonably certain of being exercised are as follows:

($ in millions) 

Fiscal Year
2020

2021

2022

2023

2024

Thereafter

Total minimum lease payments

Less: Interest

Present value of operating lease liabilities

Less: Current portion of operating lease liabilities 

Long-term operating lease liabilities

$

$

1,185

1,053

952

840

747

3,172

7,949
(1,521)
6,428
(920)
5,508

During fiscal 2019, non-cash operating lease asset additions, net of remeasurements and modifications, were 
$533 million. As of February 1, 2020, the minimum lease commitment amount for operating leases signed but not 
yet commenced, primarily for retail stores, was $240 million. 

As of February 1, 2020, the weighted-average remaining operating lease term was 8.7 years and the weighted-
average discount rate was 4.7 percent for operating leases recognized on our Consolidated Financial Statements. 

As of February 1, 2020, the Company's finance leases were not material to our Consolidated Financial 
Statements.

See Note 1 of Notes to Consolidated Financial Statements for additional disclosures related to leases.

In accordance with ASC 840, Leases, the aggregate minimum non-cancelable annual lease payments under 
operating leases in effect on February 2, 2019 were as follows:

($ in millions) 

Fiscal Year
2019
2020
2021
2022
2023
Thereafter
Total minimum lease commitments

$ 

$ 

1,156
1,098
892
730
539
1,520
5,935

The total minimum lease commitment amount above does not include minimum sublease rent income of $12 
million receivable in the future under non-cancelable sublease agreements. In addition, the total minimum lease 
commitment amount above excludes options to extend lease terms that are reasonably assured of being 
exercised.

67

Note 13. Income Taxes
For financial reporting purposes, components of income (loss) before income taxes are as follows:

($ in millions)
United States 
Foreign
Income before income taxes  

The provision for income taxes consists of the following:

($ in millions)
Current:

Federal 
State
Foreign
Total current
Deferred:

Federal
State
Foreign
Total deferred 
Total provision 

2019 

Fiscal Year

2018 

$ 

$ 

550  $ 
(22) 
528  $ 

1,183  $ 
139 
1,322  $ 

2017

1,301
123
1,424

2019 

Fiscal Year

2018 

2017

$ 

177  $ 

164  $ 

37 
44 
258 

(58) 
(20) 
(3) 
(81) 
177  $ 

41 
49 
254 

55 
11 
(1) 
65 

319  $ 

$ 

415
51
49
515

55
(5)
11
61
576

The difference between the effective tax rate and the U.S. federal statutory tax rate is as follows:

Federal statutory tax rate 
State and local income taxes, net of federal benefit 
Tax impact of foreign operations 
Impact of TCJA of 2017 
Excess foreign tax credits 
Other
Effective tax rate 

2019 

Fiscal Year

2018 

2017

21.0% 
3.2 
6.0 
5.6 
— 
(2.3) 
33.5% 

21.0% 
4.0 
0.1 
(3.2) 
0.5 
1.7 
24.1% 

33.7%
4.0
(1.1)
4.0
(0.7)
0.5
40.4%

On December 22, 2017, the TCJA was enacted into law, which significantly changed existing U.S. tax law and 
included numerous provisions that affect our business, such as imposing a one-time transition tax on deemed 
repatriation of deferred foreign income, reducing the U.S. federal statutory tax rate, and adopting a territorial tax 
system. 

The TCJA includes a provision to tax GILTI of foreign subsidiaries, a base erosion anti-abuse tax (“BEAT”) 
measure that taxes certain payments between a U.S. corporation and its subsidiaries, and favorable tax treatment 
for certain foreign derived intangible income (“FDII”), effective for us beginning fiscal 2018. The Company has 
made an accounting policy election to treat taxes due on the GILTI inclusion as a current period expense. 

During fiscal 2019, we recorded a $30 million adjustment to increase our fiscal 2017 tax liability for additional 
guidance issued by the U.S. Treasury Department regarding the TCJA. In addition, the tax impact of foreign 
operations includes the effects of restructuring costs in certain foreign subsidiaries for which the Company was 
not permitted to recognize a tax benefit.

68

 
During fiscal 2018, we recorded a $33 million measurement period adjustment to reduce our fiscal 2017 
provisional estimated net charge related to the transition tax and recorded certain other immaterial measurement 
period adjustments to reduce our fiscal 2017 provisional estimated impact of the remeasurement of our deferred 
tax assets and liabilities to reflect the TCJA rate reduction. 

During fiscal 2017, we recorded a net $57 million charge related to the estimated effects of the TCJA primarily due 
to the impact of the one-time transition tax on the deemed repatriation of foreign income and the impact of the 
TCJA on deferred tax assets and liabilities. In addition, our estimate of the transition tax was also impacted by a 
change in the structure of certain legal entities in fiscal 2017, which resulted in an overall net tax benefit of 
approximately $23 million.

Deferred tax assets (liabilities) consist of the following:

($ in millions)
Gross deferred tax assets:

Deferred rent
Operating lease liabilities 
Accrued payroll and related benefits 
Accruals
Inventory capitalization and other adjustments 
Deferred income
Federal, state, and foreign net operating losses 
Other

Total gross deferred tax assets 
Valuation allowance
Total deferred tax assets, net of valuation allowance 
Deferred tax liabilities:

Depreciation and amortization 
Operating lease assets 
Unremitted earnings of certain foreign subsidiaries 
Unrealized net gain on cash flow hedges 
Other

Total deferred tax liabilities 
Net deferred tax assets 

February 1, 
 2020

February 2, 
 2019

$  

— $  

1,726 
59 
132 
38 
34 
101 
37 
2,127 
(199) 
1,928 

(246) 
(1,448) 
(2) 
(2) 
(9) 
(1,707) 

$ 

221  $ 

124
—
51
106
42
29
70
40
462
(156)
306

(180)
—
(2)
(3)
(6)
(191)
115

As of February 1, 2020, we had approximately $54 million of state and $463 million of foreign loss carryovers in 
multiple taxing jurisdictions that could be utilized to reduce the tax liabilities of future years. The tax-effected loss 
carryovers were approximately $4 million for state and $97 million for foreign as of February 1, 2020. We also had 
approximately $3 million of foreign tax credit carryovers as of February 1, 2020.

We provided a valuation allowance of approximately $83 million against the deferred tax assets related to the 
foreign loss carryovers. We also provided a valuation allowance of approximately $108 million related to other 
foreign deferred tax assets and $8 million related to other federal deferred tax assets, including foreign tax credit 
carryovers.

The state losses expire between fiscal 2022 and fiscal 2039. Approximately $344 million of the foreign losses 
expire between fiscal 2020 and fiscal 2039, and $119 million of the foreign losses do not expire. The foreign tax 
credits expire in fiscal 2029.

69

The activity related to our unrecognized tax benefits is as follows: 

($ in millions)
Balance at beginning of fiscal year 
Increases related to current year tax positions 
Prior year tax positions:

Increases 
Decreases 

Lapse of Statute of Limitations 
Cash settlements 
Foreign currency translation 
Balance at end of fiscal year 

2019 

$ 

$ 

Fiscal Year

2018 

2017

136  $ 

12 

11 
(4) 
(1) 
(1) 
(1) 
152  $ 

118  $ 

11 

29 
(6) 
— 
(15) 
(1) 
136  $ 

44
48

28
(2)
(1)
—
1
118

Of the $152 million, $136 million, and $118 million of total unrecognized tax benefits as of February 1, 2020, 
February 2, 2019, and February 3, 2018, respectively, approximately $137 million, $125 million, and $106 million, 
respectively, represents the amount of unrecognized tax benefits that, if recognized, would favorably affect the 
effective income tax rate in future periods.

During fiscal 2019, 2018, and 2017, interest expense of $6 million, $5 million, and $4 million, respectively, was 
recognized on the Consolidated Statements of Income relating to income tax liabilities. 

As of February 1, 2020 and February 2, 2019, the Company had total accrued interest related to income tax 
liabilities of $16 million and $10 million, respectively. There were no accrued penalties related to income tax 
liabilities as of February 1, 2020 or February 2, 2019.

The Company conducts business globally, and as a result, files income tax returns in the U.S. federal jurisdiction 
and various state and foreign jurisdictions. In the normal course of business, we are subject to examination by 
taxing authorities throughout the world, including such major jurisdictions as the United States, Canada, France, 
the United Kingdom, China, Hong Kong, Japan, and India. We are no longer subject to U.S. federal income tax 
examinations for fiscal years before 2009, and with few exceptions, we also are no longer subject to U.S. state, 
local, or non-U.S. income tax examinations for fiscal years before 2008.

The Company engages in continual discussions with taxing authorities regarding tax matters in the various U.S. 
and foreign jurisdictions in the normal course of business. As of February 1, 2020, it is reasonably possible that 
we will recognize a decrease in gross unrecognized tax benefits within the next 12 months of up to $3 million, 
primarily due to the closing of audits. If we do recognize such a decrease, the net impact on the Consolidated 
Statements of Income would not be material.

Note 14. Employee Benefit Plans
We have two qualified defined contribution retirement plans, the GapShare 401(k) Plan and the GapShare Puerto 
Rico Plan (the “Plans”), which are available to employees who meet the eligibility requirements. The Plans permit 
eligible employees to make contributions up to the maximum limits allowable under the applicable Internal 
Revenue Codes. Under the Plans, we match, in cash, all or a portion of employees’ contributions under a 
predetermined formula. Our contributions vest immediately. Our matching contributions to the Plans were $46 
million, $45 million, and $45 million in fiscal 2019, 2018, and 2017, respectively.

70

We maintain the Gap, Inc. Deferred Compensation Plan (DCP), which allows eligible employees to defer base 
compensation and bonus up to a maximum percentage, and non-employee directors to defer receipt of a portion 
of their Board fees. Plan investments are directed by participants and are recorded at market value and 
designated for the DCP. The fair value of the Company’s DCP assets is determined based on quoted market 
prices. As of February 1, 2020 and February 2, 2019, the assets related to the DCP were $51 million and $48 
million, respectively, and were recorded in other long-term assets on the Consolidated Balance Sheets. As of 
February 1, 2020 and February 2, 2019, the corresponding liabilities related to the DCP were $51 million and $48 
million, respectively, and were recorded in lease incentives and other long-term liabilities on the Consolidated 
Balance Sheets. We match all or a portion of employees’ contributions under a predetermined formula. Plan 
investments are elected by the participants, and investment returns are not guaranteed by the Company. Our 
matching contributions to the DCP in fiscal 2019, 2018, and 2017 were not material.

Note 15. Earnings per Share
Weighted-average number of shares used for earnings per share is as follows:

(shares in millions)
Weighted-average number of shares—basic 
Common stock equivalents 
Weighted-average number of shares—diluted 

2019 

Fiscal Year

2018 

2017

376 
2 
378 

385 
3 
388 

393
3
396

The above computations of weighted-average number of shares—diluted exclude 14 million, 7 million, and 9 
million shares related to stock options and other stock awards for fiscal 2019, 2018, and 2017, respectively, as 
their inclusion would have an anti-dilutive effect on earnings per share. 

Note 16. Commitments and Contingencies 

We are a party to a variety of contractual agreements under which we may be obligated to indemnify the other 
party for certain matters. These contracts primarily relate to our commercial contracts, operating leases, 
trademarks, intellectual property, financial agreements, and various other agreements. Under these contracts, we 
may provide certain routine indemnifications relating to representations and warranties (e.g., ownership of assets, 
environmental or tax indemnifications), or personal injury matters. The terms of these indemnifications range in 
duration and may not be explicitly defined. Generally, the maximum obligation under such indemnifications is not 
explicitly stated, and as a result, the overall amount of these obligations cannot be reasonably estimated.
Historically, we have not made significant payments for these indemnifications. We believe that if we were to incur 
a loss in any of these matters, the loss would not have a material effect on our Consolidated Financial Statements 
taken as a whole.

As a multinational company, we are subject to various Actions arising in the ordinary course of our business. 
Many of these Actions raise complex factual and legal issues and are subject to uncertainties. As of February 1, 
2020, Actions filed against us included commercial, intellectual property, customer, employment, and data privacy 
claims, including class action lawsuits. The plaintiffs in some Actions seek unspecified damages or injunctive 
relief, or both. Actions are in various procedural stages and some are covered in part by insurance. As of 
February 1, 2020 and February 2, 2019, we recorded a liability for an estimated loss if the outcome of an Action is 
expected to result in a loss that is considered probable and reasonably estimable. The liability recorded as of 
February 1, 2020 and February 2, 2019 was not material for any individual Action or in total. Subsequent to 
February 1, 2020 and through the filing date of March 17, 2020, no information has become available that 
indicates a change is required that would be material to our Consolidated Financial Statements taken as a whole.

We cannot predict with assurance the outcome of Actions brought against us. Accordingly, developments, 
settlements, or resolutions may occur and impact income in the quarter of such development, settlement, or 
resolution. However, we do not believe that the outcome of any current Action would have a material effect on our 
Consolidated Financial Statements taken as a whole.

71

Old Navy Separation

On February 28, 2019, the Company announced that its Board of Directors approved a plan to separate the
Company into two independently publicly-traded companies. On January 16, 2020, the Company announced it no
longer intends to separate, as the cost and complexity of splitting into two companies, combined with softer
business performance, limited our ability to create appropriate value from separation. As of February 1, 2020,
there were $28 million of estimated costs related to contracts and commitments that were accrued as a result of
the separation being canceled, expected to be paid in fiscal 2020. These amounts were recorded in accrued
expenses and other current liabilities on the Consolidated Balance Sheet.

Fire at the Fishkill Distribution Center 

In fiscal 2016, a fire occurred in one of the buildings at a Company-owned distribution center campus in Fishkill,
New York. Total insurance proceeds for fiscal 2017 were $193 million, all of which were received by February 3,
2018. A gain of $64 million was recognized in fiscal 2017, primarily related to property and equipment. The
remaining settlement was recorded as a reduction to the insurance receivable balance in other current assets on
the Consolidated Balance Sheet or cost of goods sold and occupancy expenses or operating expenses on the
Consolidated Statement of Income, primarily offsetting fire-related costs incurred during fiscal 2017.

During fiscal 2017, we allocated $66 million of insurance proceeds to the loss on property and equipment, and the
amount has been reported as insurance proceeds related to loss on property and equipment, a component of
cash flows from investing activities, on the Consolidated Statement of Cash Flows. 

72

Note 17. Segment Information
We identify our operating segments according to how our business activities are managed and evaluated. As of 
February 1, 2020, our operating segments included: Old Navy Global, Gap Global, Banana Republic Global, 
Athleta, and Intermix. Each operating segment has a brand president who is responsible for various geographies 
and channels. Each of our brands serves customers through its store and online channels, allowing us to execute 
on our omni-channel strategy where customers can shop seamlessly across all of our brands in retail stores and 
online through desktop or mobile devices. We have determined that each of our operating segments share similar 
economic and other qualitative characteristics, and therefore the results of our operating segments are 
aggregated into one reportable segment as of February 1, 2020. We continually monitor and review our segment 
reporting structure in accordance with authoritative guidance to determine whether any changes have occurred 
that would impact our reportable segments. 

Net sales by brand and region are as follows:

($ in millions)

Fiscal 2019 (4) 
U.S. (1)

Canada  

Europe  

Asia  

Other regions  

Total

($ in millions) 

Fiscal 2018 (4)
U.S. (1)

Canada  

Europe  

Asia  

Other regions 

Total

($ in millions) 

Fiscal 2017 (5)
U.S. (1)

Canada  

Europe  

Asia  

Other regions 

Total
__________

Old Navy
Global 

$

7,259

Gap Global
2,723

$

Banana 
Republic 
Global (2)
2,191

$

Other (3) 
1,225

$

Total
13,398 

$

587 

— 

45 

92 

349 

525 

943 

94 

215

14 

96 

23 

2 

— 

— 

— 

1,153 

539 

1,084 

209 

$

7,983

$

4,634

$

2,539

$

1,227

$

16,383 

Old Navy
Global 

$

7,134

Gap Global
2,990

$

Banana 
Republic
Global 

$

2,095

$

Other (3) 
1,121

Total
13,340 

$

584 

— 

50 

72 

379 

589 

1,089 

113 

227

14 

94 

26 

3 

— 

— 

— 

1,193 

603 

1,233 

211 

$

7,840

$

5,160

$

2,456

$

1,124

$

16,580 

Old Navy
Global 

$

6,570

Gap Global
3,065

$

Banana 
Republic
Global 

$

2,017

$

Other (3) 
916

Total
12,568 

$

547 

— 

50 

71 

398 

626 

1,117 

112 

225

15 

96 

27 

3 

— 

— 

— 

1,173 

641 

1,263 

210 

$

7,238

$

5,318

$

2,380

$

919

$

15,855 

Percentage 
of Net Sales

82%
7

3

7

1
100%

Percentage 
of Net Sales

81%
7

4

7

1
100%

Percentage 
of Net Sales

80%
7

4

8

1
100%

(1)  U.S. includes the United States, Puerto Rico, and Guam.
(2)  Beginning on March 4, 2019, Banana Republic Global includes net sales for the Janie and Jack brand.
(3)  Primarily consists of net sales for the Athleta and Intermix brands as well as a portion of income related to our credit card agreement.
Beginning in the third quarter of fiscal 2018, the Hill City brand is also included. Net sales for Athleta for fiscal 2019, 2018, and 2017 
were $978 million, $881 million, and $737 million, respectively.

(4)  Net sales reflect the adoption of the new revenue recognition standard in fiscal 2018. Prior period amounts have not been restated and

continue to be reported under accounting standards in effect for those periods. 

(5)  Net sales reflect the favorable impact of the calendar shift due to the 53rd week in fiscal 2017.

73

Net sales by region are allocated based on the location of the store where the customer paid for and received the 
merchandise or the distribution center or store from which the products were shipped. 

Long-lived assets, excluding long-term derivative financial instruments in an asset position and long-term deferred
tax assets, by geographic location are as follows: 

($ in millions)
U.S. (1)
Other regions
Total long-lived assets 
__________

February 1, 
2020 (2)

February 2, 
 2019

$ 

$ 

7,169  $ 
1,773 
8,942  $ 

3,097
586
3,683

(1)  U.S. includes the United States, Puerto Rico, and Guam.
(2)  Reflects the adoption of the new lease accounting standard. Prior period amounts have not been restated and continue to be reported

under accounting standards in effect for those periods.

Note 18. Acquisition 
On March 4, 2019, the Company acquired select assets of Gymboree Group, Inc. related to Janie and Jack, a 
premium children's clothing brand, through a bankruptcy auction. We purchased intellectual property and property 
and equipment at the Janie and Jack store locations. We assumed the leases for the majority of Janie and Jack 
stores and entered into a separate transaction to purchase Janie and Jack inventory.

The purchase price for the net assets acquired was $69 million. The total purchase price was allocated to the net 
tangible and intangible assets acquired based on their estimated fair values. Such estimated fair values require 
management to make estimates and judgments, especially with respect to intangible assets.

Amounts recorded for assets acquired and liabilities assumed on the acquisition date were as follows:

($ in millions)
Inventory
Property and equipment
Operating lease assets
Intangible assets

Net assets acquired

Operating lease liabilities

Other liabilities

Total consideration paid

As of 
March 4, 
2019

$ 

$ 

34
15
51
37
137
(64)

(4)
69

The results of operations for Janie and Jack since the date of acquisition were not material to our net income.

74

Note 19. Store Closing and Other Operating Cost
On February 28, 2019, the Company announced plans to restructure the specialty fleet and revitalize the Gap 
brand, including closing about 230 Gap specialty stores during fiscal 2019 and fiscal 2020. The Company 
believes these actions will drive a healthier specialty fleet and will serve as a more appropriate foundation for 
brand revitalization. The Company expects that the actions will be substantially completed by the end of the 
Company’s 2020 fiscal year ending January 30, 2021. 

For the fiscal year ended February 1, 2020, we incurred $61 million of pre-tax costs related to the store closing 
and other operating cost. The summary of the costs incurred are as follows: 

(in millions)
Operating lease cost (1)

Impairment of long-lived assets 
Employee related cost 

Other

Total store closing and other operating cost
__________

Recorded in 
cost of 
goods sold 
and 
occupancy 
expenses

Recorded in
operating 
expenses

15 $
— 
— 

7

$

$

22 $

39 $

Costs 
Incurred in 
fiscal 2019
25

10 $
13 
13 

13
13

3

61

10

(1) 

In accordance with ASC 842, this cost includes lease termination fees and amortization expense. 

In addition to the total pre-tax amount incurred above, there was an unfavorable tax impact related to the 
restructuring costs incurred in certain foreign subsidiaries for which the Company was not able to recognize any 
tax benefit.

As of February 1, 2020, the balance for liabilities related to restructuring is not material.

75

Note 20. Quarterly Information (Unaudited)
Selected quarterly and annual operating results are as follows:

($ in millions except per share amounts)
Net sales 
Gross profit 
Net income (loss) 
Earnings (loss) per share—basic (1) 
Earnings (loss) per share—diluted (1)

($ in millions except per share amounts)
Net sales 
Gross profit 
Net income 
Earnings per share—basic (1) 
Earnings per share—diluted (1) 
__________

13 Weeks 
Ended (2)

May 4, 
 2019

13 Weeks 
Ended (3)

August 3, 
 2019

13 Weeks 
Ended (4)

13 Weeks 
Ended (5)

52 Weeks  
Ended (6)

November 2, 
 2019

February 1, 
 2020

February 1, 2020 
(fiscal 2019)

$ 
$ 
$ 
$ 
$

3,706  $ 
1,344  $ 
227  $ 
0.60  $ 
0.60 $

4,005  $ 
1,556  $ 
168  $ 
0.44  $ 
0.44 $

3,998  $ 
1,559  $ 
140  $ 
0.37  $ 
0.37 $

4,674  $ 
1,674  $ 
(184)  $ 
(0.49)  $ 
(0.49)  $   

16,383
6,133
351
0.93
0.93

13 Weeks 
Ended

May 5, 
 2018

13 Weeks 
Ended

August 4, 
 2018

13 Weeks 
Ended

13 Weeks
Ended 

52 Weeks Ended

November 3, 
 2018

February 2, 
 2019

February 2, 2019 
(fiscal 2018)

$ 
$ 
$ 
$ 
$ 

3,783  $ 
1,427  $ 
164  $ 
0.42  $ 
0.42  $ 

4,085  $ 
1,627  $ 
297  $ 
0.77  $ 
0.76  $ 

4,089  $ 
1,623  $ 
266  $ 
0.69  $ 
0.69  $ 

4,623  $ 
1,645  $ 
276  $ 
0.72  $ 
0.72  $ 

16,580
6,322
1,003
2.61
2.59

(1)  Earnings per share ("EPS") was computed individually for each of the periods presented; therefore, the sum of the EPS for the quarters

may not equal the total for the year.

(2)  During the first quarter of fiscal 2019, there was a pre-tax gain of $191 million related to the sale of a building, which was recorded as a

reduction to operating expenses and benefited diluted EPS by $0.37. 

(3)  During the second quarter of fiscal 2019, the Company incurred $38 million of separation-related costs and $14 million for specialty

fleet restructuring costs, both on a pre-tax basis, all of which was recorded in operating expenses. The impact of the separation-related 
and restructuring costs to diluted EPS was $0.08 and $0.03, respectively. Additionally, during the second quarter of fiscal 2019, there 
was an additional $30 million of tax expense related to an adjustment to our fiscal 2017 tax liability for additional guidance issued by 
the U.S. Treasury Department regarding the TCJA. The impact of the tax adjustment to diluted EPS was $0.08.

(4)  During the third quarter of fiscal 2019, the Company incurred $70 million for separation-related costs and $8 million for specialty fleet

restructuring costs, both on a pre-tax basis, substantially all of which was recorded in operating expenses. The impact of the 
separation-related and restructuring costs to diluted EPS was $0.14 and $0.02, respectively.

(5)  During the fourth quarter of fiscal 2019, the Company incurred $296 million for impairment charges related to flagship stores, $189

(6) 

million for separation-related costs including costs for the cancellation of our separation, and $38 million for specialty fleet restructuring 
costs, all on a pre-tax basis. Substantially all of the flagship impairment charges and separation-related costs were recorded in 
operating expenses and $17 million for specialty fleet restructuring costs was recorded in operating expenses. The impact of the 
impairment charges, separation-related costs, and restructuring costs to diluted EPS was $0.59, $0.38, and $0.10, respectively.
In total, during fiscal year 2019, the Company incurred $301 million of separation-related costs including costs for the cancellation of
our separation, $296 million of flagship impairment charges, and $61 million of specialty fleet restructuring costs, all on a pre-tax basis. 
There was also a $191 million pre-tax gain on the sale of a building during fiscal 2019. Additionally, there was a $30 million unfavorable 
impact to net income related to an adjustment to our fiscal 2017 tax liability for additional guidance issued by the U.S. Treasury 
Department regarding the TCJA. The total fiscal year 2019 net impact to diluted EPS was $1.04 for these items. 

76

Note 21. Subsequent Events

On March 11, 2020 the World Health Organization declared the novel strain of coronavirus (COVID-19) a global
pandemic and recommended containment and mitigation measures worldwide. As of the date of this filing, many
of our Company-operated and franchise stores globally have been impacted by temporary closures or reduced
store hours. We cannot reasonably estimate the length or severity of this pandemic, but we currently anticipate a
material adverse impact on our consolidated financial position, consolidated results of operations, and
consolidated cash flows in fiscal 2020.  

On March 5, 2020, the Company announced that Sonia Syngal, the current president and chief executive officer
of Old Navy Global, will become the Company’s president and chief executive officer, effective March 23, 2020. In
connection with the naming of Ms. Syngal as CEO, Robert J. Fisher will step down as the Company's interim CEO
and as Chairman of the Board, effective as of Ms. Syngal's start date, and will continue in his role as a director of
the Company. Bob L. Martin, a current director of the Company, will serve as Chairman of the Board, an executive
role, effective March 23, 2020.

On March 12, 2020, the Company announced that Katrina O’Connell will become the Company’s executive vice
president and chief financial officer ("CFO"), effective March 23, 2020. The current CFO, Teri List-Stoll, will be
stepping down and departing the Company after a transition period.

77

Item 9. Changes in and Disagreements With Accountants on Accounting and Financial
Disclosure.
None.

Item 9A. Controls and Procedures.
Evaluation of Disclosure Controls and Procedures

We carried out an evaluation, under the supervision and with the participation of management, including the
interim Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operation of our
disclosure controls and procedures (as defined in Exchange Act Rule 13a-15(e)) as of the end of the period
covered by this Annual Report on Form 10-K. Based upon that evaluation, the interim Chief Executive Officer and
Chief Financial Officer concluded that the Company’s disclosure controls and procedures are effective.

Management’s Report on Internal Control over Financial Reporting

Our management is responsible for establishing and maintaining an adequate system of internal control over
financial reporting, as defined in Exchange Act Rule 13a-15(f). Management conducted an assessment of our
internal control over financial reporting based on the framework established by the Committee of Sponsoring
Organizations of the Treadway Commission in Internal Control—Integrated Framework (released in 2013). Based
on the assessment, management concluded that as of February 1, 2020, our internal control over financial
reporting is effective. The Company’s internal control over financial reporting as of February 1, 2020 has been
audited by Deloitte & Touche LLP, an independent registered public accounting firm, as stated in their report which
is included in Item 8 of this Form 10-K.

Changes in Internal Control over Financial Reporting

There was no change in the Company’s internal control over financial reporting that occurred during the
Company’s fourth quarter of fiscal 2019 that has materially affected, or is reasonably likely to materially affect, the
Company’s internal control over financial reporting.

Item 9B. Other Information.
Not applicable.

Part III

Item 10. Directors, Executive Officers and Corporate Governance.
The information required by this item is incorporated herein by reference to the sections entitled “Nominees for
Election as Directors,” “Corporate Governance—Audit and Finance Committee,” in the 2020 Proxy Statement.
See also Part I, Item 1 in the section entitled “Information about our Executive Officers.”

The Company has adopted a code of ethics, our Code of Business Conduct, which applies to all employees
including our principal executive officer, principal financial officer, controller, and persons performing similar
functions. Our Code of Business Conduct is available on our website, www.gapinc.com, under “Investors,
Corporate Compliance, Code of Business Conduct Overview.” Any amendments and waivers to the Code will also
be available on the website.

Item 11. Executive Compensation.
The information required by this item is incorporated herein by reference to the sections entitled “Compensation of
Directors,” “Corporate Governance—Compensation and Management Development Committee,” and “Executive
Compensation and Related Information” in the 2020 Proxy Statement.

78

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related
Stockholder Matters.
The information required by this item is incorporated herein by reference to the sections entitled “Executive
Compensation and Related Information—Equity Compensation Plan Information” and “Beneficial Ownership of
Shares” in the 2020 Proxy Statement.

Item 13. Certain Relationships and Related Transactions, and Director Independence.
The information required by this item is incorporated herein by reference to the sections entitled “Policies and
Procedures with Respect to Related Party Transactions” and “Nominees for Election as Directors—Director
Independence” in the 2020 Proxy Statement.

Item 14. Principal Accounting Fees and Services.
The information required by this item is incorporated herein by reference to the section entitled “Principal
Accounting Firm Fees” in the 2020 Proxy Statement.

79

Part IV 
Item 15. Exhibits, Financial Statement Schedules.

1.

2.

3.

Financial Statements: See “Index to Consolidated Financial Statements” in Part II, Item 8 of this Form 10-
K.

Financial Statement Schedules: Schedules are included in the Consolidated Financial Statements or
notes of this Form 10-K or are not required.

Exhibits: The exhibits listed in the below Exhibit Index are filed or incorporated by reference as part of
this Form 10-K.

Exhibit
No.

Exhibit Description

Exhibit Index

Incorporated by Reference

Form

File No.

Exhibit

Filing Date

Filed/
Furnished
Herewith

3.1

3.2

3.3

4.1

4.2

4.3

4.4

Amended and Restated Certificate of Incorporation.
(P)

10-K

1-7562

Certificate of Amendment of Amended and Restated
Certificate of Incorporation.

10-K

1-7562

Amended and Restated Bylaws (effective March 23,
2020).

8-K

1-7562

3.1

3.2

3.1

April 26, 1993

April 4, 2000

March 5, 2020

Indenture, dated as of April 12, 2011, by and between
Registrant and Wells Fargo Bank, National
Association, as Trustee.

First Supplemental Indenture, dated as of April 12,
2011, relating to the issuance of $1,250,000,000
aggregate principal amount of Registrant’s 5.95%
Notes due 2021.

Form of Registrant’s 5.95% Notes due 2021, included
as Exhibit A to First Supplemental Indenture.

Description of Registrant's securities registered
pursuant to Section 12 of the Securities Exchange Act
of 1934.

8-K

1-7562

4.1

April 12, 2011

8-K

8-K

1-7562

1-7562

4.2

4.2

April 12, 2011

April 12, 2011

X

10.1

Second Amended and Restated Revolving Credit
Agreement dated May 31, 2018.

10-Q

1-7562

10.1

August 31, 2018

Amended and Restated Consumer Credit Card
Program Agreement by and among Registrant, Gap
(Puerto Rico), Inc., GPS Consumer Direct, Inc., Gap
(Apparel), LLC, Gap (ITM) Inc., GE Capital Retail
Bank and GE Capital Retail Finance Corporation,
dated as of February 28, 2014.

First Amendment to Amended and Restated
Consumer Credit Card Program Agreement by and
among Registrant, Gap (Puerto Rico), Inc., GPS
Consumer Direct, Inc., Gap (Apparel), LLC, Gap
(ITM) Inc., Synchrony Bank (f/k/a GE Capital Retail
Bank) and Synchrony Financial, dated as of January
31, 2015.

Second Amendment to Amended and Restated
Consumer Credit Card Program Agreement by and
among Registrant, Gap (Puerto Rico), Inc., GPS
Consumer Direct, Inc., Gap (Apparel), LLC, Gap
(ITM) Inc., Synchrony Bank (f/k/a GE Capital Retail
Bank) and Synchrony Financial, dated as of May 8,
2015.

10.2*

10.3

10.4*

10-Q/A

1-7562

10.1

October 10, 2014

10-K

1-7562

10.12

March 23, 2015

10-Q

1-7562

10.1

September 8, 2015

80

Third Amendment to Amended and Restated
Consumer Credit Card Program Agreement by and
among Registrant, Gap (Puerto Rico), Inc., GPS
Consumer Direct, Inc., Gap (Apparel), LLC, Gap
(ITM) Inc., Synchrony Bank (f/k/a GE Capital Retail
Bank) and Synchrony Financial, dated as of
December 15, 2015.

Fourth Amendment to Amended and Restated
Consumer Credit Card Program Agreement by and
among Registrant, Gap (Puerto Rico), Inc., GPS
Consumer Direct, Inc., Gap (Apparel), LLC, Gap
(ITM) Inc., SynchronyBank (f/k/a GE Capital Retail
Bank) and Synchrony Financial, dated as of April 29,
2016.

Fifth Amendment to Amended and Restated
Consumer Credit Card Program Agreement by and
among Registrant, Gap (Puerto Rico), Inc., GPS
Consumer Direct, Inc., Gap (Apparel), LLC, Gap
(ITM) Inc., Synchrony Bank (f/k/a GE Capital Retail
Bank) and Synchrony Financial, dated as of April 7,
2017.

Sixth Amendment to Amended and Restated
Consumer Credit Card Program Agreement by and
among Registrant, Gap (Puerto Rico), Inc., GPS
Consumer Direct, Inc., Gap (Apparel), LLC, Gap
(ITM) Inc., Synchrony Bank (f/k/a GE Capital Retail
Bank) and Synchrony Financial, dated as of May 22,
2018.

Executive Management Incentive Compensation
Award Plan.

10.5*

10.6*

10.7*

10.8*

10.9†

10-K

1-7562

10.16

March 21, 2016

10-Q

1-7562

10.1

June 3, 2016

10-Q

1-7562

10.1

June 5, 2017

10-Q

1-7562

10.2

August 31, 2018

DEF 14A

1-7562

App. A

April 7, 2015

10.10†

The Gap, Inc. Executive Deferred Compensation Plan
(January 1, 1999 Restatement).

10-Q

1-7562

10.3

December 15, 1998

10.11†

Amendment to Executive Deferred Compensation
Plan - Freezing of Plan Effective December 31, 2005.

8-K

1-7562

10.1

November 8, 2005

Amendment to Executive Deferred Compensation
Plan - Merging of Plan into the Supplemental
Deferred Compensation Plan.

Amendment to Executive Deferred Compensation
Plan - Suspension of Pending Merger into
Supplemental Deferred Compensation Plan.

Amendment to Executive Deferred Compensation
Plan - Merging of Plan into the Deferred
Compensation Plan.

10.12†

10.13†

10.14†

10-K

1-7562

10.29

March 27, 2009

10-K

1-7562

10.30

March 27, 2009

10-Q

1-7562

10.1

December 8, 2009

10.15†

Deferred Compensation Plan, amended and restated
effective September 1, 2011.

10-Q

1-7562

10.1

December 7, 2011

10.16†

Deferred Compensation Plan, amended and restated
effective November 17, 2015.

10-K

1-7562

10.24

March 21, 2016

10.17†

Deferred Compensation Plan, amended and restated
effective March 24, 2016.

10-Q

1-7562

10.2

June 3, 2016

10.18†

Supplemental Deferred Compensation Plan.

S-8

333-129986

4.1

November 29, 2005

10.19†

First Amendment to Supplemental Deferred
Compensation Plan.

10-K

1-7562

10.32

March 27, 2009

Second Amendment to Supplemental Deferred
Compensation Plan - Merging of Executive Deferred
Compensation Plan into the Plan and Name Change
to Deferred Compensation Plan.

10.20†

Third Amendment to Supplemental Deferred
Compensation Plan - Suspension of Pending Merging
of Executive Deferred Compensation Plan into the
Plan and Name Change to Deferred Compensation
Plan.

10.21†

10-K

1-7562

10.33

March 27, 2009

10-K

1-7562

10.34

March 27, 2009

81

Fourth Amendment to Supplemental Deferred
Compensation Plan - Merging of Executive Deferred
Compensation Plan into the Plan and Name Change
to Deferred Compensation Plan.

10.22†

10-Q

1-7562

10.2

December 8, 2009

10.23†

2011 Long-Term Incentive Plan.

DEF 14A

1-7562

App. A

April 5, 2011

10.24†

Amended and Restated 2011 Long-Term Incentive
Plan (effective February 26, 2014).

8-K

1-7562

10.1

March 6, 2014

10.25†

2016 Long-Term Incentive Plan.

DEF 14A

1-7562

App. A

April 5, 2016

10.26†

Amended and Restated 2016 Long-Term Incentive
Plan (effective February 22, 2017).

10-K

1-7562

10.30

March 20, 2018

10.27†

Amended and Restated 2016 Long Term-Incentive
Plan (effective May 21, 2019).

DEF 14A

1-7562

App. A

April 9, 2019

10.28†

Form of Non-Qualified Stock Option Agreement for
Executives under the 2006 Long-Term Incentive Plan.

8-K

1-7562

10.1

March 23, 2006

10.29†

Form of Non-Qualified Stock Option Agreement under
the 2011 Long-Term Incentive Plan.

10-Q

1-7562

10.8

June 8, 2011

10.30†

Form of Non-Qualified Stock Option Agreement under
the 2011 Long-Term Incentive Plan.

10-Q

1-7562

10.9

August 31, 2012

10.31†

Form of Non-Qualified Stock Option Agreement under
the 2011 Long-Term Incentive Plan.

10-K

1-7562

10.72

March 26, 2013

10.32†

Form of Non-Qualified Stock Option Agreement under
the 2011 Long-Term Incentive Plan.

10.33†

Form of Non-Qualified Stock Option Agreement under
the 2011 Long-Term Incentive Plan.

8-K

8-K

1-7562

10.2

March 6, 2014

1-7562

10.1

March 6, 2015

10.34†

Form of Non-Qualified Stock Option Agreement under
the 2011 Long-Term Incentive Plan.

10-K

1-7562

10.60

March 21, 2016

10.35†

Form of Non-Qualified Stock Option Agreement under
the 2016 Long-Term Incentive Plan.

10.36†

Form of Non-Qualified Stock Option Agreement under
the 2016 Long-Term Incentive Plan.

10.37†

Form of Non-Qualified Stock Option Agreement under
the 2016 Long-Term Incentive Plan.

Form of Stock Award Agreement for Executives under
the 2006 Long-Term Incentive Plan, filed as Exhibit
10.2.

10.38†

10.39†

Form of Performance Share Agreement under the
2011 Long-Term Incentive Plan.

10.40†

Form of Performance Share Agreement under the
2011 Long-Term Incentive Plan.

10.41†

Form of Performance Share Agreement under the
2016 Long-Term Incentive Plan.

10.42†

Form of Performance Share Agreement under the
2016 Long-Term Incentive Plan.

10.43†

Form of Performance Share Agreement under the
2016 Long-Term Incentive Plan.

10.44†

Form of Restricted Stock Unit Award Agreement
under the 2011 Long-Term Incentive Plan.

10.45†

Form of Restricted Stock Unit Award Agreement
under the 2011 Long-Term Incentive Plan.

10.46†

Form of Restricted Stock Unit Award Agreement
under the 2016 Long-Term Incentive Plan.

8-K

8-K

8-K

8-K

8-K

1-7562

10.1

March 9, 2017

1-7562

10.1

March 16, 2018

1-7562

10.1

March 15, 2019

1-7562

10.2

March 23, 2006

1-7562

10.3

March 6, 2015

10-K

1-7562

10.69

March 21, 2016

8-K

8-K

8-K

8-K

1-7562

10.3

March 9, 2017

1-7562

10.3

March 16, 2018

1-7562

10.3

March 15, 2019

1-7562

10.2

March 6, 2015

10-K

1-7562

10.75

March 21, 2016

8-K

1-7562

10.2

March 9, 2017

82

10.47†

Form of Restricted Stock Unit Award Agreement
under the 2016 Long-Term Incentive Plan.

10.48†

Form of Restricted Stock Unit Award Agreement
under the 2016 Long-Term Incentive Plan.

8-K

8-K

1-7562

10.2

March 16, 2018

1-7562

10.2

March 15, 2019

Form of Restricted Stock Unit Award Agreement
(Retention Version) under the 2016 Long-Term
Incentive Plan.

Form of Director Stock Unit Agreement and Stock
Unit Deferral Election Form under the 2011 Long-
Term Incentive Plan.

Form of Director Stock Unit Agreement and Stock
Unit Deferral Election Form under the 2011 Long-
Term Incentive Plan.

Form of Director Stock Unit Agreement and Stock
Unit Deferral Election Form under the 2011 Long-
Term Incentive Plan.

Form of Director Stock Unit Agreement and Stock
Unit Deferral Election Form under the 2011 Long-
Term Incentive Plan.

Form of Director Stock Unit Agreement and Stock
Unit Deferral Election Form under the 2016 Long-
Term Incentive Plan.

10.49†

10.50†

10.51†

10.52†

10.53†

10.54†

8-K

1-7562

10.4

March 16, 2018

10-Q

1-7562

10.10

June 8, 2011

8-K

1-7562

10.5

March 6, 2014

8-K

1-7562

10.4

March 6, 2015

10-K

1-7562

10.79

March 21, 2016

8-K

1-7562

10.4

March 9, 2017

10.55†

Agreement with Mark Breitbard dated February 27,
2017 and confirmed on March 2, 2017.

10-Q

1-7562

10.1

August 25, 2017

Agreement for Post-Termination Benefits with Mark
Breitbard dated June 2, 2017, filed as Exhibit 10.2 to
Registrant's Form 10-Q for the quarter ended April 29,
2017, Commission File No. 1-7562.

10.56†

10.57†

Letter Agreement dated March 9, 2020 by and
between Mark Breitbard and the Registrant

10-Q

1-7562

10.2

June 5, 2017

10.58†

Agreement with Shawn Curran dated September 29,
2017 and confirmed on October 5, 2017.

10-Q

1-7562

10.1

November 22, 2017

10.59†

Agreement with Sebastian DiGrande dated April 22,
2016 and confirmed on April 22, 2016.

10-Q

1-7562

10.1

September 2, 2016

Agreement for Post-Termination Benefits with
Sebastian DiGrande dated June 2, 2017, filed as
Exhibit 10.4 to Registrant's Form 10-Q for the quarter
ended April 29, 2017, Commission File No. 1-7562.

10.60†

10.61†

Agreement with Neil Fiske dated June 11, 2018.

Agreement with Julie Gruber dated February 1, 2016
and confirmed on February 4, 2016, filed as Exhibit
10.3 to Registrant's Form 10-Q for the quarter ended
April 30, 2016, Commission File No. 1-7562.

Agreement for Post-Termination Benefits with Julie
Gruber dated June 2, 2017, filed as Exhibit 10.5 to
Registrant's Form 10-Q for the quarter ended April 29,
2017, Commission File No. 1-7562.

10.62†

10.63†

10.64†

Letter Agreement dated March 10, 2020 by and
between Julie Gruber and the Registrant

10-Q

10-Q

1-7562

1-7562

10.4

10.3

June 5, 2017

August 31, 2018

10-Q

1-7562

10.3

June 3, 2016

10-Q

1-7562

10.5

June 5, 2017

10.65†

Agreement with Brent Hyder dated February 25, 2019
and confirmed on February 26, 2019.

10-Q

1-7562

10.1

May 31, 2019

Letter Agreement dated November 10, 2016 by and
between Teri List-Stoll and the Registrant dated
November 10, 2016 and confirmed on November 10,
2016.

10.66†

8-K

1-7562

10.1

November 15, 2016

X

X

83

Agreement for Post-Termination Benefits with Teri
List-Stoll dated June 2, 2017, filed as Exhibit 10.8 to
Registrant's Form 10-Q for the quarter ended April 29,
2017, Commission File No. 1-7562.

10.67†

10-Q

1-7562

10.8

June 5, 2017

10.68†

Letter Agreement with Art Peck dated October 3,
2014.

8-K

1-7562

10.1

October 8, 2014

Agreement for Post-Termination Benefits with Art
Peck dated June 2, 2017, filed as Exhibit 10.9 to
Registrant's Form 10-Q for the quarter ended April 29,
2017, Commission File No. 1-7562.

10.69†

10.70†

Agreement with Art Peck dated June 1, 2018.

Agreement and Release by and between Art Peck
and the Registrant dated December 2, 2019
(amending that certain Agreement for Post-
Termination Benefits with Art Peck dated June 2,
2017).

10.71†

10.72†

Agreement with Sonia Syngal dated April 11, 2016
and confirmed on April 11, 2016.

Agreement for Post-Termination Benefits with Sonia
Syngal dated June 2, 2017, filed as Exhibit 10.10 to
Registrant's Form 10-Q for the quarter ended April 29,
2017, Commission File No. 1-7562.

10.73†

10.74†

Letter Agreement dated March 10, 2020 by and
between Katrina O'Connell and the Registrant

10-Q

8-K

1-7562

1-7562

10.9

10.1

June 5, 2017

June 4, 2018

8-K

1-7562

10.1

April 13, 2016

10-Q

1-7562

10.10

June 5, 2017

14

21

23

31.1

31.2

32.1

32.2

101

104

Code of Business Conduct.

10-K

1-7562

14

March 26, 2010

Subsidiaries of Registrant.

Consent of Independent Registered Public
Accounting Firm.

Rule 13a-14(a)/15d-14(a) Certification of the Chief
Executive Officer of The Gap, Inc. (Section 302 of the
Sarbanes-Oxley Act of 2002).

Rule 13a-14(a)/15d-14(a) Certification of the Chief
Financial Officer of The Gap, Inc. (Section 302 of the
Sarbanes-Oxley Act of 2002).

Certification of the Chief Executive Officer of The
Gap, Inc. pursuant to 18 U.S.C. Section 1350, as
adopted pursuant to Section 906 of the Sarbanes-
Oxley Act of 2002.

Certification of the Chief Financial Officer of The Gap,
Inc. pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of
2002.

The following materials from The Gap, Inc.’s Annual
Report on Form 10-K for the year ended February 1,
2020, formatted in Inline XBRL (eXtensible Business
Reporting Language): (i) the Consolidated Balance
Sheets, (ii) the Consolidated Statements of Income,
(iii) the Consolidated Statements of Comprehensive
Income, (iv) the Consolidated Statements of
Stockholders’ Equity, (v) the Consolidated Statements
of Cash Flows, and (vi) Notes to Consolidated
Financial Statements.

Cover Page Interactive Data File (embedded within
the Inline XBRL document).

__________

X

X

X

X

X

X

X

X

X

X

* 

Pursuant to a request for confidential treatment, confidential portions of this Exhibit have been redacted and have been filed separately
with the Securities and Exchange Commission.
Indicates management contract or compensatory plan or arrangement.

†
(P)   This Exhibit was originally filed in paper format. Accordingly, a hyperlink has not been provided.

84

Item 16. Form 10-K Summary

None.

85

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has
duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

SIGNATURES

Date: March 17, 2020

Date: March 17, 2020

THE GAP, INC.

By

By

/s/   ROBERT J. FISHER
Robert J. Fisher
Interim Chief Executive Officer
(Principal Executive Officer)

/s/    TERI LIST-STOLL
Teri List-Stoll
Executive Vice President and Chief Financial Officer
(Principal Financial and Accounting Officer)

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the
following persons on behalf of the registrant and in the capacities and on the dates indicated. 

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

Date: March 17, 2020

/s/    AMY BOHUTINSKY

Amy Bohutinsky, Director

/s/   JOHN J. FISHER

John J. Fisher, Director

/s/   ROBERT J. FISHER

Robert J. Fisher, Director

/s/    WILLIAM S. FISHER

William S. Fisher, Director

/s/    TRACY GARDNER

Tracy Gardner, Director

/s/    ISABELLA D. GOREN

Isabella D. Goren, Director

/s/    BOB L. MARTIN

Bob L. Martin, Director

/s/    JORGE P. MONTOYA

Jorge P. Montoya, Director

/s/    CHRIS O'NEILL

Chris O'Neill, Director

/s/    LEXI REESE

Lexi Reese, Director

/s/    MAYO A. SHATTUCK III

Mayo A. Shattuck III, Director

By

By

By

By

By

By

By

By

By

By

By

86

 
B O A R D   O F 
D I R E C T O R S

L E A D E R S H I P  
T E A M

Amy Bohutinsky, 45 (^)
Director since 2018. Former Chief Operating Officer 
of Zillow Group, Inc., an online real estate database 
company. Director of Zillow Group, Inc. 

Robert J. Fisher, 65 (+)
Director since 1990. Chairman and interim President 
and Chief Executive Officer until March 2020. 
Managing Director of Pisces, Inc., an investment 
group. Former Interim Chief Executive Officer and 
executive of the company. 

William S. Fisher, 62
Director since 2009. Executive Vice Chairman of 
Pisces, Inc., an investment group. Founder and Chief 
Executive Officer of Manzanita Capital Limited, 
a private equity fund. Former executive of the 
company.

John Fisher, 58
Director since 2018. Executive Vice Chairman of 
Pisces, Inc., an investment group. 

Tracy Gardner, 56 (+*)
Director since 2015. Principal of Tracy Gardner 
Consultancy. Former Chief Executive Officer of 
dELiA*s Inc. Former executive of J.Crew Group, Inc. 

Isabella D. Goren, 59 (^)
Director since 2011. Former Chief Financial Officer of 
AMR Corporation and American Airlines, Inc. Director 
of LyondellBasell Industries N.V. and MassMutual 
Financial Group.

Bob L. Martin, 71
Executive Chairman since March 2020. Director 
since 2002. Operating Partner of Stephens Group, 
LLC., a private equity group. Chief Executive Officer 
(part-time) of Mcon Management Services, Ltd., a 
consulting company. Former President and Chief 
Executive Officer of Wal-Mart International. Director 
of Conn’s, Inc.

Jorge P. Montoya, 73 (*)
Director since 2004. Former executive of The Procter 
& Gamble Company. Director of The Kroger Co.

Chris O’Neill, 47 (*)
Director since 2018. Former Chief Executive Officer of 
Evernote Corporation, a global technology company. 

Lexi Reese, 45 (*)
Director since 2018. Chief Operating Officer of 
Gusto, a cloud-based payroll, benefits, and human 
resources management solutions company. (Not 
standing for re-election at the May 2020 Annual 
Meeting of Shareholders.)

Mayo A. Shattuck III, 65 (+^)
Director since 2002. Non-Executive Chairman of 
Exelon Corporation, an energy company. Director of 
Capital One Financial Corporation and Alarm.com.

Doris F. Fisher
Honorary Lifetime Director since 2009. Former 
Director and merchandiser of the company. Co-
founder of the company with her husband Donald G. 
Fisher, who passed away in September 2009.

Sonia Syngal
President and Chief Executive Officer,  
Gap Inc.

Katrina O’Connell
EVP and Chief Financial Officer, Gap Inc.

Mark Breitbard
President and Chief Executive Officer,  
Specialty Brands

Mary Beth Laughton
President and Chief Executive Officer, 
Athleta

Jyothi Rao
President and General Manager, Intermix 

C O R P O R A T E
A N D   S H A R E H O L D E R 
I N F O R M A T I O N

Gap Inc. Investor Relations
Please see the Investors tab on  
www.gapinc.com
2 Folsom Street
San Francisco, CA 94105 
415-427-0100
investor_relations@gap.com

Stock Exchange Listing
Trading Symbol “GPS” / New York  
Stock Exchange

Annual Shareholders’ Meeting
May 19, 2020, 10:00 a.m. Pacific Time 
Gap Inc. Headquarters
2 Folsom Street
San Francisco, CA 94105

Julie Gruber
EVP, Global General Counsel, Corporate 
Secretary and Chief Compliance Officer, 
Gap Inc. 

Independent Registered  
Public Accounting Firm
Deloitte & Touche LLP 
San Francisco, CA

Sheila Peters
EVP and Chief People Officer, Gap Inc. 

John Strain 
Chief Digital and Technology Officer,  
Gap Inc. 

Sally Gilligan 
Chief Information Officer, Gap Inc. 

Steven Sare
EVP, Asia Retail and General Manager 
of Greater China

Shawn Curran
EVP, Global Supply Chain and Product 
Operations, Gap Inc. 

Keith White
EVP, Global Sustainability, Gap Foundation, 
and Loss Prevention

Christophe Roussel
EVP, Global Sourcing, Gap Inc.

Registrar and Transfer Agent
(For registered shareholders) 
EQ Shareowner Services 
Shareowner Services
1110 Centre Pointe Curve, Suite 101 
Mendota Heights, MN 55120

Beneficial Shareholders
(Shares held by your broker in the name of  
the brokerage house) should direct questions  
to their broker.

Fiscal 2020 Earnings Release Dates
Please visit www.gapinc.com for up-to-date 
information about earnings release dates. 

Live audio of each quarterly earnings 
conference call can be accessed  
through the Investors page of our website at  
www.gapinc.com the day of the earnings 
release. Replays are available for  
approximately 90 days following the event.

P R I N T I N G  
C O N S I D E R A T I O N S

The Gap Inc. 2019 Annual Report was printed 
by an environmentally sustainable printer, 
which utilizes 100 percent renewable wind 
power and sustainable manufacturing 
principles including: socially responsible 
procurement; green chemistry principles; 
reduced VOC inks and coatings; recycling 
of residual materials; and carbon reduction 
strategies supporting forest carbon offset 
initiatives. Printed on FSC®-certified Finch 
paper supporting responsible forestry.

(+) Governance and Sustainability Committee  (*) Compensation and Management Development Committee  (^) Audit and Finance Committee

 
 
 
 
 
 
 
 
 
   
  
 
 
 
 
 
 
GAPINC.COM