What is Lowe's Companies's supplier finance program obligations?

Lowe's Companies (LOW) reported supplier finance program obligations of $1.71B in Q3 2025.

How has Lowe's Companies's supplier finance program obligations changed year-over-year?

Lowe's Companies's supplier finance program obligations decreased by 0.1% year-over-year, from $1.71B to $1.71B.

What is the long-term trend for Lowe's Companies's supplier finance program obligations?

Over 2 years (2022 to 2024), Lowe's Companies's supplier finance program obligations has grown at a -18.2% compound annual growth rate (CAGR), from $2.26B to $1.51B.

What does supplier finance program obligations mean?

The amount of money owed to banks for invoices that suppliers have sold to those banks to get paid early.

Current Liabilities

Supplier Finance Program Obligations

Lowe's Companies Supplier Finance Program Obligations increased by 28.6% to $1.71B in Q3 2025 compared to the prior quarter. Year-over-year, this metric declined by 0.1%, from $1.71B to $1.71B. Over 2 years (FY 2022 to FY 2024), Supplier Finance Program Obligations shows a downward trend with a -18.2% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.

Analysis

StatementBalance Sheet Statement

SectionCurrent Liabilities

CategoryLiquidity

SignalLower is better

VolatilityModerate

First reportedQ1 2022

Last reportedQ3 2025Nov 26, 2025

How to read this metric

An increase suggests the company is relying more on third-party financing to manage cash flow and extend payment cycles, which may mask underlying cash conversion efficiency. A decrease indicates a reduction in reliance on external financing for working capital management.

Detailed definition

This metric represents the outstanding balance of trade payables that have been sold by suppliers to financial instituti...

Peer comparison

Peer companies in aerospace and manufacturing often disclose these obligations in footnotes; higher levels relative to total payables may indicate aggressive working capital management strategies compared to industry benchmarks.

Metric ID: supplier_finance_obligations

Historical Data

15 periods

	Q1 '22	Q2 '22	Q3 '22	Q4 '22	Q1 '23	Q2 '23	Q3 '23	Q4 '23	Q1 '24	Q2 '24	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25
Value	$2.49B	$2.32B	$2.64B	$2.26B	$1.89B	$1.48B	$1.64B	$1.36B	$1.60B	$1.45B	$1.71B	$1.51B	$1.61B	$1.33B	$1.71B
QoQ Change	—	-6.9%	+13.6%	-14.3%	-16.1%	-22.1%	+11.2%	-17.3%	+17.9%	-9.5%	+18.0%	-11.5%	+6.3%	-17.4%	+28.6%
YoY Change	—	—	—	—	-24.0%	-36.4%	-37.8%	-39.9%	-15.6%	-1.9%	+4.1%	+11.4%	+0.4%	-8.4%	-0.1%

Range$1.33B – $2.64B

CAGR-10.3%

Avg YoY Growth-13.5%

Median YoY Growth-8.4%

Supplier Finance Program Obligations at Other Companies

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Frequently Asked Questions

What is Lowe's Companies's supplier finance program obligations?: Lowe's Companies (LOW) reported supplier finance program obligations of $1.71B in Q3 2025.
How has Lowe's Companies's supplier finance program obligations changed year-over-year?: Lowe's Companies's supplier finance program obligations decreased by 0.1% year-over-year, from $1.71B to $1.71B.
What is the long-term trend for Lowe's Companies's supplier finance program obligations?: Over 2 years (2022 to 2024), Lowe's Companies's supplier finance program obligations has grown at a -18.2% compound annual growth rate (CAGR), from $2.26B to $1.51B.
What does supplier finance program obligations mean?: The amount of money owed to banks for invoices that suppliers have sold to those banks to get paid early.