DFRIDebt-Funded Revenue Index
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Lowe's LOW

How much of Lowe's's U.S. consumer revenue is funded by new credit? Read the estimate, then inspect the evidence.

2026-Q1 · estimated DFR% of U.S. consumer revenue
2.11%
Midpoint with 80% bandTier 1–3Provenance
Estimated DFR% band: 1.84% to 2.40%, midpoint 2.11% 1.84% 2.11% 2.40%
Low1.84%Midpoint2.11%High2.40%

Estimated 80% band · share of U.S. consumer revenue

View chart data and provenance
Text equivalent for the current estimated DFR% band for Lowe's.
Period2026-Q1
Estimated 80% band1.84% to 2.40% of U.S. consumer revenue
Estimated midpoint2.11% of U.S. consumer revenue
EvidenceTier 1–3
ProvenanceCompany evidence and assumptions

Estimated midpoint: $406 million debt-funded consumer revenue / $19,303 million estimated U.S. consumer revenue.

2026-Q1 · share of estimated debt-funded revenue
Tier 1 26.1%Tier 2 39.2%Tier 3 34.8%
View chart data and provenance
Text equivalent for the evidence-tier decomposition of estimated debt-funded revenue.
ComponentShareMeaning
Tier 126.1%Observed company financing link
Tier 239.2%Category-mapped allocation
Tier 334.8%Fungible proportional allocation
ProvenanceCompany evidence and registered assumptions
Tier definitions
T1 — Observed
A company disclosure directly links financing to sales.
T2 — Category-mapped
Credit is mapped to spending categories, then to companies using registered weights.
T3 — Fungible
Credit that cannot be assigned directly is allocated broadly by estimated consumer revenue, with the widest uncertainty.

Tier percentages show how the estimate was constructed—not confidence scores. Full methodology

2026-Q1 · multiple of Tier 3 baseline
1.36x
Evidence LiftDefinition

DFR% midpoint divided by this company's 1.55% pure-fungibility baseline.

Evidence-supported

HistoryEvidenceAssumptionsSensitivity

History

2026-05-22 · 2026-Q1 refresh

Estimated 1.82%–2.38% of U.S. consumer revenue
Midpoint 2.08%

BASELINE_NO_NEW_10Q · Versioned source record

2026-08-19 · 2026-Q2 refresh

Estimated 1.50%–1.95% of U.S. consumer revenue
Midpoint 1.71%

UPDATED_TTM_FROM_10Q · Versioned source record

2026-08-19 · 2026-Q2 refresh

Estimated 1.50%–1.95% of U.S. consumer revenue
Midpoint 1.71%

UPDATED_TTM_FROM_10Q · Versioned source record

2026-08-19 · 2026-Q2 refresh

Estimated 1.50%–1.95% of U.S. consumer revenue
Midpoint 1.71%

UPDATED_TTM_FROM_10Q · Versioned source record

2026-11-06 · 2026-Q3 refresh

Estimated 1.84%–2.38% of U.S. consumer revenue
Midpoint 2.10%

UPDATED_TTM_FROM_10Q · Versioned source record

2026-08-06 · 2026-Q1 methodology snapshot

Estimated 1.84%–2.40% of U.S. consumer revenue
Midpoint 2.11%

VERSIONED_BASELINE · Versioned source record

Versioned estimated DFR% bands for Lowe's 2026-05-222026-Q1 refresh · Estimated 1.82%–2.38% · BASELINE_NO_NEW_10Q2026-08-192026-Q2 refresh · Estimated 1.50%–1.95% · UPDATED_TTM_FROM_10Q2026-08-192026-Q2 refresh · Estimated 1.50%–1.95% · UPDATED_TTM_FROM_10Q2026-08-192026-Q2 refresh · Estimated 1.50%–1.95% · UPDATED_TTM_FROM_10Q2026-11-062026-Q3 refresh · Estimated 1.84%–2.38% · UPDATED_TTM_FROM_10Q2026-08-062026-Q1 methodology snapshot · Estimated 1.84%–2.40% · VERSIONED_BASELINE
View chart data and provenance
Text equivalent for every versioned estimated DFR% band in the history chart.
Effective dateRecordEstimated lowEstimated midpointEstimated highStatus and provenance
2026-05-222026-Q1 refresh1.82% of U.S. consumer revenue2.08% of U.S. consumer revenue2.38% of U.S. consumer revenueBASELINE_NO_NEW_10Q · Versioned source record
2026-08-192026-Q2 refresh1.50% of U.S. consumer revenue1.71% of U.S. consumer revenue1.95% of U.S. consumer revenueUPDATED_TTM_FROM_10Q · Versioned source record
2026-08-192026-Q2 refresh1.50% of U.S. consumer revenue1.71% of U.S. consumer revenue1.95% of U.S. consumer revenueUPDATED_TTM_FROM_10Q · Versioned source record
2026-08-192026-Q2 refresh1.50% of U.S. consumer revenue1.71% of U.S. consumer revenue1.95% of U.S. consumer revenueUPDATED_TTM_FROM_10Q · Versioned source record
2026-11-062026-Q3 refresh1.84% of U.S. consumer revenue2.10% of U.S. consumer revenue2.38% of U.S. consumer revenueUPDATED_TTM_FROM_10Q · Versioned source record
2026-08-062026-Q1 methodology snapshot1.84% of U.S. consumer revenue2.11% of U.S. consumer revenue2.40% of U.S. consumer revenueVERSIONED_BASELINE · Versioned source record

Refresh records are append-only. A new filing adds a record; it never replaces the earlier band.

Evidence

InputEvidenceTier
Financing-to-sales link“branded and private label proprietary credit cards which generate sales” Specific SEC filingTier 1
Revenue denominatorPinned SEC XBRL filing; U.S. consumer share is registered as an assumption.Tier 2

Assumptions

Sensitivity

Top five assumptions by absolute correlation with the estimated band.

  1. A-T1-LOW-CARD-001 — increases the estimate; absolute correlation 0.691.
  2. A-T2-REV-GENERAL-001 — increases the estimate; absolute correlation 0.504.
  3. A-T3-NONREV-FUNGIBLE-001 — increases the estimate; absolute correlation 0.351.
  4. A-DEN-LOW-001 — decreases the estimate; absolute correlation 0.322.
  5. A-T3-REV-FUNGIBLE-001 — increases the estimate; absolute correlation 0.196.