TJX Companies TJX

How much of TJX Companies'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

2.75%

Midpoint with 80% bandTier 1–3Provenance

Low2.29%Midpoint2.75%High3.32%

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

View chart data and provenance

Text equivalent for the current estimated DFR% band for TJX Companies.
Period	2026-Q1
Estimated 80% band	2.29% to 3.32% of U.S. consumer revenue
Estimated midpoint	2.75% of U.S. consumer revenue
Evidence	Tier 1–3
Provenance	Company evidence and assumptions

Estimated midpoint: $317 million debt-funded consumer revenue / $11,611 million estimated U.S. consumer revenue.

2026-Q1 · share of estimated debt-funded revenue

Tier 1 42.7%Tier 2 30.3%Tier 3 26.9%

View chart data and provenance

Text equivalent for the evidence-tier decomposition of estimated debt-funded revenue.
Component	Share	Meaning
Tier 1	42.7%	Observed company financing link
Tier 2	30.3%	Category-mapped allocation
Tier 3	26.9%	Fungible proportional allocation
Provenance	Company 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

1.76x

Evidence LiftDefinition

DFR% midpoint divided by this company's 1.56% pure-fungibility baseline.

Evidence-supported

History

2026-05-22 · 2026-Q1 refresh

Estimated 1.33%–1.80% of U.S. consumer revenue
Midpoint 1.54%

2026-08-19 · 2026-Q2 refresh

Estimated 1.87%–2.72% of U.S. consumer revenue
Midpoint 2.25%

UPDATED_TTM_FROM_10Q · Versioned source record

2026-08-06 · 2026-Q1 methodology snapshot

Estimated 2.29%–3.32% of U.S. consumer revenue
Midpoint 2.75%

View chart data and provenance

Text equivalent for every versioned estimated DFR% band in the history chart.
Effective date	Record	Estimated low	Estimated midpoint	Estimated high	Status and provenance
2026-05-22	2026-Q1 refresh	1.33% of U.S. consumer revenue	1.54% of U.S. consumer revenue	1.80% of U.S. consumer revenue	BASELINE_NO_NEW_10Q · Versioned source record
2026-08-19	2026-Q2 refresh	1.87% of U.S. consumer revenue	2.25% of U.S. consumer revenue	2.72% of U.S. consumer revenue	UPDATED_TTM_FROM_10Q · Versioned source record
2026-08-06	2026-Q1 methodology snapshot	2.29% of U.S. consumer revenue	2.75% of U.S. consumer revenue	3.32% of U.S. consumer revenue	VERSIONED_BASELINE · Versioned source record

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

Input	Evidence	Tier
Financing-to-sales link	“TJX Dual Card receivables were $2,356,693,614.” Specific SEC filing	Tier 1
Revenue denominator	Pinned SEC XBRL filing; U.S. consumer share is registered as an assumption.	Tier 2

Top five assumptions by absolute correlation with the estimated band.