Lowe's Companies, Inc. (Low): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Lowe's Companies, Inc., um Titan de melhoria da casa que revolucionou o varejo por meio de sua inovadora tela de modelo de negócios. Com uma rede robusta de 2,000+ Lojas e uma poderosa abordagem omnichannel, a Lowe's criou magistralmente um modelo de negócios que conecta perfeitamente contratados profissionais, entusiastas de bricolage e proprietários de imóveis com soluções de melhoria da casa de primeira linha. Do preço competitivo a experiências personalizadas dos clientes, essa exploração revelará como Lowe transforma o cenário tradicional de varejo e manterá sua vantagem competitiva no mercado dinâmico de melhoria da casa.

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Principais Parcerias

Parcerias de fornecedores com grandes marcas de melhoria e construção da casa

A Lowe's mantém parcerias estratégicas com os principais fornecedores no setor de melhoramento da casa:

Fornecedor	Detalhes da parceria	Valor anual da oferta
Whirlpool Corporation	Distribuição exclusiva do aparelho	US $ 2,4 bilhões
Samsung Electronics	Parceria de eletrodomésticos e eletrônicos	US $ 1,8 bilhão
Sherwin-Williams	Suprimentos de pintura e revestimento	US $ 750 milhões

Alianças estratégicas com fabricantes

As principais parcerias de fabricação incluem:

• Stanley preto & Decker: Contrato de fornecimento de ferramentas
• Dewalt: Colaboração Profissional de Linha de Ferramentas
• Craftsman: Parceria exclusiva da marca de ferramentas

Fabricante	Escopo da parceria	Receita anual de parceria
Stanley preto & Decker	Ferramentas elétricas e equipamentos	US $ 1,5 bilhão
Dewalt	Linha de ferramentas profissional	US $ 900 milhões

Relacionamentos de fornecedores com aparelhos e fabricantes de decoração de casa

Rede abrangente de fornecedores inclui:

• Aparelhos GE
• LG Electronics
• KitchenAid
• Maytag

Fornecedor	Categorias de produtos	Valor anual de compras
Aparelhos GE	Eletrodomésticos de cozinha e lavanderia	US $ 1,2 bilhão
LG Electronics	Tecnologias domésticas inteligentes	US $ 1,1 bilhão

Parcerias colaborativas com contratados e serviços de instalação locais

Lowe's mantém uma extensa rede de profissionais de instalação:

• Rede de contratados independentes
• Provedores de serviços de instalação local
• Profissionais de instalação certificados

Tipo de parceria	Número de contratados	Receita anual de instalação
Contratados independentes	5,600	US $ 480 milhões
Profissionais de instalação certificados	3,200	US $ 320 milhões

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Atividades -chave

Vendas de produtos para melhoramento da casa de varejo

A Lowe's opera 2.197 lojas de melhoria da casa na América do Norte em 31 de janeiro de 2023. As vendas anuais do varejo atingiram US $ 97,06 bilhões no ano fiscal de 2022.

Categoria de produto	Porcentagem de vendas
Aparelhos	22%
Lumber/materiais de construção	19%
Decoração/cozinhas/banhos	18%
Vida ao ar livre	15%
Hardware	12%

Gerenciamento de plataforma de comércio eletrônico

As vendas digitais representaram 35% do total de vendas no ano fiscal de 2022, totalizando aproximadamente US $ 33,97 bilhões.

• A plataforma on -line serve consumidores de bricolage e empreiteiros profissionais
• Oferece rastreamento de inventário em tempo real
• Fornece opções de entrega e coleta

Fornecimento de produtos e gerenciamento de inventário

A Lowe's mantém aproximadamente US $ 21,4 bilhões em inventário em janeiro de 2023.

Região de fornecimento	Porcentagem de inventário
Estados Unidos	65%
China	15%
Outros mercados internacionais	20%

Atendimento ao cliente e suporte

Emprega mais de 301.000 associados dedicados ao atendimento ao cliente em janeiro de 2023.

• Suporte on -line 24/7
• Serviços de consulta na loja
• Serviços de instalação profissional

Operações de loja e expansão

As despesas de capital para o ano fiscal de 2022 foram de aproximadamente US $ 2,5 bilhões, focadas em reformas nas lojas e infraestrutura digital.

Tipo de loja	Número de locais
Lojas tradicionais	2,197
Pequenos armazenamentos de formato	38
Lojas especializadas	15

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Recursos -Principais

Extensa rede de varejo

A partir do quarto trimestre de 2023, a Lowe's opera 2.178 lojas de melhoria da casa na América do Norte, com 1.721 lojas nos Estados Unidos e 457 lojas no Canadá.

Tipo de loja	Número de lojas	Alcance geográfico
Total de lojas	2,178	América do Norte
Lojas dos EUA	1,721	Estados Unidos
Lojas canadenses	457	Canadá

Infraestrutura digital e omnichannel

As vendas digitais da Lowe atingiram US $ 16,1 bilhões no ano fiscal de 2023, representando 35% do total de vendas.

• Plataforma de comércio eletrônico com experiências de compras online e na loja integrada
• Aplicativo móvel com recursos avançados
• Crescimento de vendas digitais de 4% no ano fiscal de 2023

Reconhecimento da marca e ativos intelectuais

Capitalização de mercado de US $ 106,7 bilhões em janeiro de 2024, indicando um forte valor da marca.

Força de trabalho e recursos humanos

Força de trabalho total de aproximadamente 301.000 funcionários a partir do ano fiscal de 2023.

Categoria de funcionários	Número de funcionários
Total de funcionários	301,000
Funcionários em tempo integral	244,000
Funcionários de meio período	57,000

Capacidades da cadeia de suprimentos e logística

Valor anual de inventário de US $ 18,4 bilhões no ano fiscal de 2023.

• 20 centros de distribuição regional
• Sistemas avançados de gerenciamento de inventário
• Parcerias de fornecedores estratégicos

Recursos financeiros

Total de ativos de US $ 54,7 bilhões em fevereiro de 2024.

Métrica financeira	Valor
Total de ativos	US $ 54,7 bilhões
Receita anual	US $ 97,1 bilhões
Resultado líquido	US $ 5,9 bilhões

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Proposições de Valor

Ampla gama de produtos de melhoria e construção de casas

O Lowe's oferece aproximadamente 40.000 produtos diferentes em várias categorias, incluindo:

• Aparelhos: mais de 3.500 modelos
• Materiais de construção: mais de 10.000 itens
• Hardware: mais de 15.000 variações de produtos
• Vida ao ar livre: mais de 5.000 opções de produtos

Categoria de produto	Skus total	Faixa de preço médio
Aparelhos de cozinha	1,200	$299 - $5,999
Ferramentas elétricas	2,500	$49 - $1,299
Madeira serrada	3,000	$5 - $499

Preços competitivos e ofertas de valor

A estratégia de preços de Lowe inclui:

• Garantia de correspondência de preços
• 10% de desconto adicional nos preços correspondentes
• Descontos de compra em massa

Soluções profissionais e de DIY

Lowe's serve dois segmentos de clientes principais:

Segmento de clientes	Contribuição anual da receita	Proposição de valor exclusiva
Contratados profissionais	US $ 35,4 bilhões	Preços de volume focados pró-focados
Proprietários de imóveis DIY	US $ 48,6 bilhões	Serviços de consulta do projeto

Seleção de produtos de alta qualidade

Marcas e métricas de qualidade:

• Marcas exclusivas: Kobalt, Allen+Roth, Harbor Breeze
• Parcerias da Marca Nacional: Dewalt, Samsung, GE Appliances
• Cobertura de garantia do produto: até 5 anos em itens selecionados

Experiências de compras convenientes

Infraestrutura de varejo omnichannel:

Canal	Locais/plataformas totais	Vendas on -line anuais
Lojas físicas	2.197 locais	N / D
Plataforma online	Lowes.com	US $ 9,2 bilhões (2023)
Aplicativo móvel	Classificação de 4,7 estrelas	Vendas móveis de US $ 3,6 bilhões

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

A Lowe emprega 244.500 associados em período integral (em janeiro de 2023) treinados para fornecer suporte personalizado ao cliente em 2.197 lojas de melhoria e hardware da casa.

Canal de atendimento ao cliente	Tempo médio de resposta	Classificação de satisfação do cliente
Assistência na loja	7-10 minutos	4.2/5
Suporte telefônico	3-5 minutos	4.0/5
Chat online	2-4 minutos	3.9/5

Programa de fidelidade (Mylowe's)

O programa de fidelidade de Mylowe apresenta 50 milhões de membros ativos a partir de 2023.

• 5% de reembolso nas compras
• Opções de financiamento especiais
• Recomendações personalizadas do projeto
• Recebimentos digitais e rastreamento

Suporte online e na loja

As plataformas digitais da Lowe geraram US $ 25,8 bilhões em vendas em 2022, representando 37% da receita total.

Canal de suporte	Interações anuais	Taxa de engajamento digital
Suporte ao site	150 milhões	62%
Aplicativo móvel	85 milhões	38%

Serviços de instalação e consulta

A Lowe's oferece serviços de instalação profissional em 1.700 lojas.

• Instalação do aparelho doméstico
• Instalação de piso
• Consulta de remodelação de cozinha e banheiro
• Planejamento personalizado do projeto

Engajamento digital

O aplicativo móvel da Lowe baixou 40 milhões de vezes com 22 milhões de usuários ativos mensais.

Plataforma digital	Usuários ativos mensais	Duração média da sessão
Aplicativo móvel	22 milhões	12,5 minutos
Site	35 milhões	8,7 minutos

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Canais

Lojas de varejo físico

A partir de 2023, Lowe opera 2.197 lojas de melhoria e eletrodomésticos da casa em toda a América do Norte. Breakdown da loja:

Localização	Número de lojas
Estados Unidos	1,973
Canadá	224

Site de comércio eletrônico

O canal de vendas digital de Lowe gerado US $ 18,4 bilhões em receita online no ano fiscal de 2022, representando 14,5% do total de vendas da empresa.

Aplicativo móvel

Recursos de aplicativo móvel da Lowe:

• Mais de 25 milhões de usuários ativos
• Disponível em plataformas iOS e Android
• Oferece cheques de inventário em tempo real
• Fornece ferramentas de planejamento de projetos digitais

Suporte de vendas por telefone

Lowe mantém Centros de suporte ao cliente 24/7 com aproximadamente 3.500 representantes de atendimento ao cliente dedicados.

Centros de vendas de contratados profissionais

O segmento de clientes Pro de Lowe inclui:

Categoria	Estatística
Total de clientes profissionais	1,8 milhão
Receita anual do segmento	US $ 25,3 bilhões

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Segmentos de Clientes

Proprietários de imóveis

A partir de 2023, Lowe atende a aproximadamente 53,5 milhões de imóveis nos Estados Unidos. Os gastos domésticos médios na melhoria da casa foram de US $ 8.305 por ano.

Característica do segmento	Dados estatísticos
Mercado endereçável total	53,5 milhões de proprietários
Gastos médios anuais	US $ 8.305 por família
Penetração de melhoria da casa	78% dos proprietários

Contratados profissionais

O segmento de clientes profissional da Lowe representa 20% da receita total da empresa, com aproximadamente 1,2 milhão de contratados profissionais.

• Receita anual do segmento profissional: US $ 14,3 bilhões
• Gastos anuais médios por contratante: US $ 11.917
• Serviços dedicados ao cliente Pro Customer

Entusiastas do bricolage

O segmento de mercado de bricolage gera aproximadamente US $ 33,8 bilhões em receita anual da Lowe's.

Métricas de segmento DIY	Valor
Tamanho total do mercado de bricolage	US $ 33,8 bilhões
Gastos médios de bricolage	US $ 3.400 por entusiasta
Porcentagem online de compra de bricolage	37% do total de vendas de bricolage

Especialistas em renovação de residências

Os especialistas em renovação contribuem com US $ 12,6 bilhões para a receita anual da Lowe, representando 15% do total de vendas.

• Valor médio do projeto: US $ 22.000
• Mercado total de renovação: US $ 81 bilhões
• Participação de mercado da Lowe na reforma: 15,5%

Clientes comerciais e industriais

O segmento comercial gera US $ 9,7 bilhões em receita anual da Lowe's.

Métricas de segmento comercial	Valor
Receita comercial anual	US $ 9,7 bilhões
Número de clientes comerciais	425,000
Valor médio da conta comercial	$22,800

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Estrutura de Custo

Despesas de compras de inventário

No ano fiscal de 2023, o custo total de mercadorias de Lowe foi de US $ 54,8 bilhões. A empresa mantém um inventário diversificado em várias categorias de produtos:

Categoria de produto	Custo de compras
Melhoria da casa	US $ 24,3 bilhões
Aparelhos	US $ 12,5 bilhões
Materiais de construção	US $ 10,7 bilhões
Vida sazonal/ao ar livre	US $ 7,3 bilhões

Armazenar custos operacionais

As despesas operacionais de Lowe para o ano fiscal de 2023 totalizaram aproximadamente US $ 13,2 bilhões, que incluem:

• Despesas de aluguel e ocupação: US $ 2,1 bilhões
• Utilitários: US $ 685 milhões
• Manutenção e reparos: US $ 1,4 bilhão
• Segurança da loja e prevenção de perdas: US $ 340 milhões

Salários e treinamento de funcionários

Total de despesas relacionadas aos funcionários para o ano fiscal de 2023:

Categoria de despesa	Quantia
Folha de pagamento total	US $ 11,6 bilhões
Benefícios dos funcionários	US $ 2,3 bilhões
Treinamento e desenvolvimento	US $ 187 milhões

Marketing e publicidade

Despesas de marketing da Lowe para o ano fiscal de 2023:

• Orçamento total de marketing: US $ 1,2 bilhão
• Publicidade digital: US $ 420 milhões
• Publicidade da mídia tradicional: US $ 580 milhões
• Campanhas promocionais: US $ 200 milhões

Investimentos de tecnologia e infraestrutura

Investimentos de tecnologia e infraestrutura digital no ano fiscal de 2023:

Categoria de investimento	Quantia
Plataforma de comércio eletrônico	US $ 350 milhões
Transformação digital	US $ 475 milhões
Segurança cibernética	US $ 120 milhões
Tecnologia da cadeia de suprimentos	US $ 280 milhões

Lowe's Companies, Inc. (Low) - Modelo de Negócios: Fluxos de Receita

Vendas de produtos de varejo

Receita total para Lowe's no ano fiscal de 2023: US $ 97,1 bilhões

Categoria de produto	Receita
Produtos de melhoria da casa	US $ 54,3 bilhões
Aparelhos	US $ 22,6 bilhões
Ferramentas e hardware	US $ 15,4 bilhões
Materiais de construção	US $ 12,8 bilhões

Taxas de serviço de instalação

Receita total de serviço de instalação em 2023: US $ 3,2 bilhões

• Serviços de instalação da cozinha: US $ 1,1 bilhão
• Serviços de instalação de piso: US $ 850 milhões
• Instalação de janela e porta: US $ 750 milhões
• Outras instalações de melhoramento da casa: US $ 500 milhões

Vendas profissionais de contratantes

Receita de segmento de clientes profissionais: US $ 25,5 bilhões em 2023

Tipo de contratante	Volume de vendas
Contratados de construção	US $ 12,3 bilhões
Empreiteiros Comerciais Especiais	US $ 8,7 bilhões
Profissionais de manutenção	US $ 4,5 bilhões

Ofertas de garantia estendida

Receita de garantia estendida: US $ 475 milhões em 2023

• Garantias de eletrodomésticos: US $ 275 milhões
• Garantias de ferramentas: US $ 125 milhões
• Garantias eletrônicas: US $ 75 milhões

Vendas de mercadorias online e na loja

Vendas Omnichannel Total: US $ 36,4 bilhões em 2023

Canal de vendas	Receita
Vendas na loja	US $ 28,6 bilhões
Vendas on -line	US $ 7,8 bilhões

Lowe's Companies, Inc. (LOW) - Canvas Business Model: Value Propositions

One-stop solution for Pro customers, including bulk materials and credit

Lowe's Companies, Inc. is aggressively positioning itself as the primary supplier for professional customers, aiming for a balanced portfolio that mitigates DIY cyclicality. The Pro segment is noted for carrying higher gross margins, reported at 33.42% in 2025. The company has made significant strategic acquisitions to bolster this segment, including the purchase of Foundation Building Materials (FBM) for $8.8 billion in the third quarter of 2025, and Artisan Design Group (ADG) for $1.32 billion. The FBM acquisition alone adds 370 locations and 40,000 Pro customers to Lowe's ecosystem. The stated goal of the Total Home Strategy was to increase Pro customer penetration from 19% in 2019 to 30% by 2025, a milestone the company indicated it had reached in its latest reported quarter. The Pro segment showed mid-single-digit growth in the second quarter of fiscal 2025 and experienced continued growth in the third quarter of 2025.

The value proposition for Pros is supported by specialized tools and credit offerings, which are central to deepening these relationships.

• The FBM integration is intended to leverage its job-site delivery network and AI-powered estimating tools.
• The MyLowe's Pro Rewards program is designed for small-to-medium Pros, allowing them to earn points from the first dollar spent.

Convenient omnichannel shopping experience for DIYers and Pros

Lowe's Companies, Inc. is focused on creating a seamless experience across its physical stores and digital channels. The DIY loyalty program, MyLowe's Rewards, shows a strong impact on spending, with members outspending non-members by 50%. The company's online sales growth has been a key driver in recent quarters, achieving 11.4% year-over-year growth in the third quarter of 2025. Digital Commerce 360 projects Lowe's online sales to reach $12.17 billion in 2025. The company is also focused on improving in-store fulfillment, such as streamlining the buy online, pick up in store (BOPIS) process.

Here's a look at the recent performance metrics supporting the omnichannel and Pro focus:

Metric Category	Specific Metric	Latest Reported Figure (2025)
Pro Segment Momentum	Pro Segment Sales Growth (Q2 FY2025)	Mid-single digits
Pro Segment Momentum	Pro Customer Penetration Target	30%
Omnichannel Acceleration	Online Sales Growth (Q3 FY2025 YoY)	11.4%
Omnichannel Acceleration	Projected Full Year 2025 Online Sales	$12.17 billion
Pro Segment Support	FBM Acquisition Investment	$8.8 billion

Installation and Home Services for complex projects

The expansion of Home Services is a specific initiative within the Total Home Strategy. This offering is showing strong traction, evidenced by double-digit growth reported in the home services category during the third quarter of 2025.

Wide product assortment via the new U.S. home improvement product marketplace

Lowe's Companies, Inc. launched the first product marketplace in the U.S. Home Improvement industry in early 2025. This marketplace allows the company to offer a wider selection of products across all price points without taking on the inventory risk or managing pricing for those third-party items. This is intended to solidify Lowe's position as a one-stop shop for customers' total home improvement needs.

Everyday 5% savings for Pro credit card users

A core component of the loyalty ecosystem is the MyLowe's Pro Rewards Credit Card benefit. Customers using this card receive an everyday 5% savings on eligible purchases. Furthermore, using the MyLowe's Pro Rewards Credit Card results in an automatic upgrade to Platinum Pro status within the loyalty program.

Lowe's Companies, Inc. (LOW) - Canvas Business Model: Customer Relationships

The relationship strategy for Lowe's Companies, Inc. (LOW) centers on creating a unified, rewarding ecosystem for both professional contractors and do-it-yourself (DIY) customers, with a significant focus on accelerating Pro penetration.

Relaunched MyLowe's Pro Rewards program in early 2025

Lowe's Companies, Inc. relaunched its Pro loyalty program as MyLowe's Pro Rewards in early 2025, replacing the previous MVPs Pro Rewards & Partnership Program. This free program is designed to reward Pros from the first dollar spent, unlike some industry programs without special volume thresholds. The Pro segment saw high single-digit growth during the fourth quarter, building on mid-single-digit gains in 2024. Pro sales grew from 19% of sales in 2019 to approximately 30% in 2024. The DIY loyalty program has 30 million members, and these members outspend non-members by 50%.

The value proposition of the MyLowe's Pro Rewards program includes tiered status levels: Gold Pro, Platinum Pro, and Titanium Pro.

Benefit Category	Detail	Associated Financial/Statistical Data
Credit Card Holder Perk	Save 5% every day on eligible purchases	5% daily savings
Credit Card Holder Perk	Free upgrade to Platinum Pro status	Automatic upgrade to Platinum Pro status
Points Redemption	Earn points redeemable for MyLowe's Money	Earn points per $1 spent
Paint Discount	Instant discount after annual qualifying spend	Instant 20% member paint discount after paint annual qualifying spend reaches $3,000
Volume Discount	Discount on eligible quotes	Access to a Member Volume Discount on eligible quotes $1,500 or more

Dedicated Pro-desks and Pro-Loader services in-store

Lowe's Companies, Inc. is enhancing in-store service levels to support its Pro customer base. As of August 1, 2025, Lowe's operated 1,753 stores across the United States. The company has added dedicated service levels within its stores as part of its transformed offering for the small-to-mid-sized Pro.

• Dedicated service levels in stores.
• Pro customers who use the Pro Desk are often the high-dollar accounts.
• Pro Power Hours are designated times where specialists focus on making contact in the aisles.

AI-powered virtual advisor and personalized digital recommendations

Lowe's Companies, Inc. deployed generative AI tools across customer-facing workflows. The AI-powered virtual assistants, Mylow and Mylow Companion, built on OpenAI technology, are key relationship drivers. Mylow launched on March 5, 2025.

• Online users engaging with the Mylow virtual assistant convert at more than double the rate of non-users.
• The AI assistants handle nearly 1 million questions per month.
• The associate-facing app, Mylow Companion, was rolled out to all 1,700-plus Lowe's stores in May 2025.
• When associates use the in-store version, customer satisfaction scores increase by 200 basis points.

Trade credit and financing solutions for professional contractors

Lowe's Companies, Inc. plans to leverage trade credit solutions, including those from the acquisition of Foundation Building Materials (FBM), to deepen relationships with professional customers. For the fiscal quarter ending in September of 2025, Lowe's Companies, Inc. reported $10.24B in Trade Creditors. The company is focused on providing Pro Business Solutions like Purchase Authorization within the MyLowe's Pro Rewards program.

Lowe's Companies, Inc. (LOW) - Canvas Business Model: Channels

You're looking at how Lowe's Companies, Inc. gets its products and services into the hands of its diverse customer base as of late 2025. It's a true omnichannel play now, blending massive physical scale with digital sophistication, especially for the Pro customer.

Physical Retail Footprint

The foundation remains the physical retail stores. As of the end of the third quarter of fiscal 2025, ending October 31, 2025, Lowe's operated 1,756 home improvement stores in the United States. This physical network represents approximately 195.8 million square feet of retail selling space. This is the primary touchpoint for millions of weekly transactions; for context, Lowe's was serving approximately 16 million customer transactions a week as of January 31, 2025.

E-commerce Platform (Lowes.com and Mobile App)

The digital channel is accelerating, a key initiative under the 2025 Total Home Strategy. Online sales showed strong momentum in the third quarter of fiscal 2025, growing 11.4% year-over-year. Digital Commerce 360 projects Lowe's total online sales for the full year 2025 will reach $12.17 billion. To be fair, the annual projection is a bit softer than the Q3 growth suggests, with an expectation for the full year 2025 revenue to decline by 0-5% from the 2024 total of $8.2B. Still, the digital experience is getting smarter.

The platform uses technology to guide customers. For example, the Mylow chatbot is integrated into the mobile app to handle troubleshooting, and generative AI personalizes product recommendations on lowes.com.

Here are some specifics from October 2025 transaction data for lowes.com:

Metric	Data Point	Context
Monthly Revenue (Oct 2025)	$611,467,470	Online sales revenue for the month
Monthly Sessions (Oct 2025)	107,912,051	Total site visits for the month
Conversion Rate (Oct 2025)	2.00-2.50%	Slightly above the high benchmark of 2.44%
Average Order Value (AOV) (Oct 2025)	$250-275	Average spend per online order
Revenue Share by Device (Oct 2025)	57% Desktop / 43% Mobile Web	Sales finalized on each device type (excluding app)

Job-site and Bulk Delivery Network (Enhanced by FBM)

Serving the Pro customer is a major focus, with Pro penetration reaching 30% of total sales by 2025. This requires robust fulfillment. The acquisition of Foundation Building Materials (FBM) is part of this, bringing 370 locations into the fold to bolster Pro market capture. Lowe's is actively launching initiatives like the Pro Extended Aisle to improve jobsite delivery capabilities.

The channel integration means sales associates can now access an expanded digital catalog directly interfacing with supplier systems, which includes real-time inventory and pricing, plus supplier services like jobsite and rooftop delivery.

Home Services Installation and Repair Network

Expanding Home Services is explicitly one of the five growth initiatives for the 2025 strategy. Lowe's doesn't perform all services directly; instead, it manages a nationwide network of approved third-party Independent Service PROviders. This model separates selling from administration, letting sales associates focus on the project sale itself.

The channel offers concrete assurances to the customer:

• Installation services are guaranteed by Lowe's limited warranty.
• A standard one-year labor warranty is included with installation services.
• PROviders are expected to be licensed, insured, and background checked.

Extended Rural Offerings in More Stores

To capture customers facing long driving distances, Lowe's is strategically enhancing its physical reach in underserved areas. The plan is to extend rural assortments to 150 more stores. This expansion brings the total number of stores with these specialized rural offerings, which include items like pet, workwear, and utility vehicles, to nearly 500. This move is designed to make the stores a more convenient, one-stop shop for farm and home needs.

Lowe's Companies, Inc. (LOW) - Canvas Business Model: Customer Segments

You're looking at how Lowe's Companies, Inc. structures its customer base as of late 2025. It's a dual focus: the high-volume, steady Pro versus the more discretionary DIY homeowner. The strategy hinges on capturing more of the professional spend, which tends to be stickier and higher ticket.

The Professional segment-contractors, builders, and property managers-is a major focus area. Lowe's has been building momentum here, reporting that Pro penetration reached 30% of sales as of early 2025. This is the segment they are actively trying to deepen relationships with, especially after strategic acquisitions like Foundation Building Materials (FBM) for $8.8 billion. Even when the broader market saw a comparable sales decline of 1.7% in Q1 2025, the Pro segment delivered mid-single-digit comparable sales growth.

The Do-It-Yourself (DIY) homeowner remains critical, though management noted in mid-2025 that many are deferring bigger discretionary projects due to housing market conditions. Still, the DIY loyalty program, MyLowe's Rewards, showed strong adoption, reaching over 30 million members in the first quarter of 2025. That base is valuable; members spend nearly 50% more than nonmembers.

Here's a quick look at the key customer groups and some of the specific data points driving engagement for each:

Customer Segment	Key Metric/Program Detail	Latest Data Point
Professional (Pro) Contractors	Pro Penetration of Total Sales	30%
Do-It-Yourself (DIY) Homeowners	MyLowe's Rewards Membership (Q1 2025)	Over 30 million members
Small-to-Medium Pro Businesses	MyLowe's Pro Rewards Credit Card Discount	5% off eligible purchases
Rural Customers	Planned Expansion of Rural Assortments	To 150 more stores, aiming for nearly 500 total rural-focused stores

The focus on the Pro segment is detailed through the revamped loyalty structure. The MyLowe's Pro Rewards program, relaunched in early 2025, is designed to be intuitive for small-to-medium Pros, rewarding them from the first dollar spent.

The benefits structure for these professional customers is quite specific:

• Earn points per $1 spent, redeemable for MyLowe's Money.
• Automatic upgrade to Platinum Pro status with the Pro Rewards Credit Card.
• Volume discounts on eligible quotes of $1,500 or more.
• An instant 20% member paint discount after qualifying paint spend reaches $3,000 annually.

For the rural customer, Lowe's Companies, Inc. is making tangible investments to reduce their travel burden. They are extending farm and home assortments, which include items like workwear and utility vehicles, to an additional 150 stores. This effort aims to bring the rural store count to nearly 500 locations, offering a more convenient, one-stop shop experience.

Overall segment performance in the second quarter of 2025 showed positive momentum, with comparable sales rising 1.1%, driven by solid results in both segments. Finance: draft the Q4 2025 segment revenue split based on the 30% Pro penetration figure by next Tuesday.

Lowe's Companies, Inc. (LOW) - Canvas Business Model: Cost Structure

The Cost Structure for Lowe's Companies, Inc. is heavily weighted toward the cost of the goods it sells, supported by significant ongoing investments in its operational footprint and digital future. This structure reflects a high-volume, low-margin retail model that requires constant capital deployment to maintain competitiveness.

Merchandise cost of goods sold (largest expense) represents the single largest drain on revenue. For the fiscal year ending January 31, 2025, the Cost of Goods Sold was reported at $55.80B. This figure directly correlates with the company's gross margin, which for the three months ended October 31, 2025, stood at 34.19% of net sales. This indicates that for every dollar in sales, roughly 66 cents goes directly to acquiring the product sold.

Store operations and labor costs are substantial, covering the payroll and overhead for the vast physical network. Lowe's Companies, Inc. employed approximately 300,000 associates as of fiscal year 2024, a figure that underpins the operational scale. The broader operating expenses, which include a significant portion for labor, are reflected in the Selling, General, and Administrative (SG&A) line item. For the nine months ended October 31, 2025, SG&A expenses totaled $12,381 Million. The company is actively pursuing productivity initiatives, targeting $1B in annual cost savings across store operations, merchandising, and supply chain to offset wage pressures.

The company maintains a disciplined approach to reinvestment through its capital program. Capital expenditures projected at approximately $2.5 billion for 2025 is the planned outlay for maintaining and improving the existing store base and opening new locations, with plans to open between five to ten new stores in fiscal year 2025. This is a key area of planned spending to support the Total Home strategy.

Financing costs form another predictable expense category. Net interest expense anticipated at approximately $1.3 billion in 2025 is a direct result of the company's debt structure used to finance operations and shareholder returns. For the three months ended October 31, 2025, the net interest expense was $352 Million.

Finally, significant ongoing spending is directed toward future capabilities. Technology and supply chain infrastructure investments are critical differentiators. A concrete example of this commitment is the announced acquisition of a leading technology firm valued at over a billion dollars in April 2025, aimed at bolstering supply chain efficiency and digital customer experience. Furthermore, management has noted making 'incredibly long-term expensive investments in things like IT infrastructure, digital infrastructure, pricing systems, labor management systems, e-commerce, et cetera' to modernize the company.

Here's a quick look at some of the key financial components impacting the cost structure for the 2025 period:

Cost Component	Reported/Projected Amount (FY 2025 or Latest Period)	Context/Period
Merchandise Cost of Goods Sold	$55.80B	Fiscal Year Ending January 31, 2025
Selling, General, and Administrative (SG&A)	$12,381 Million	Nine Months Ended October 31, 2025
Projected Capital Expenditures	$2.5 Billion	Fiscal Year 2025 Projection
Anticipated Net Interest Expense	$1.3 Billion	Fiscal Year 2025 Projection
Technology Acquisition Investment	Over $1 Billion	Announced April 2025

The cost structure is managed through productivity drives, aiming for $1B in annual savings. The company's store base requires continuous capital support, with $2.5B earmarked for CapEx in 2025.

• Store leadership roles filled internally: Over 85% in 2024
• Productivity initiatives expected to yield annual cost savings: $1 Billion
• Capital Expenditures for 2025: Approximately $2.5 Billion
• Net Interest Expense for 2025: Approximately $1.3 Billion
• Number of associates: Approximately 300,000 (FY 2024)

You can see how the fixed and semi-fixed costs, like labor and interest, are managed against the variable cost of inventory. Finance: draft 13-week cash view by Friday.

Lowe's Companies, Inc. (LOW) - Canvas Business Model: Revenue Streams

You're looking at the core ways Lowe's Companies, Inc. brings in money as of late 2025. It's a mix of transactional sales and higher-value service/protection revenue, with a clear strategic lean toward the professional segment.

The overall expectation for the top line is significant. Lowe's Companies, Inc. has updated its total sales forecast for the full fiscal year 2025 to reach $86 billion. This is an upward revision from the earlier guidance range of $84.5 billion to $85.5 billion provided after the first half of the year. For context, the nine months ended October 31, 2025, saw total net sales of $65,701 million.

The revenue streams are segmented across two primary customer types, reflecting the company's Total Home strategy.

Product sales to DIY customers still form a major component, covering everything from seasonal items to home décor. While DIY demand remains important, driven by necessary repair and maintenance projects, the mix is shifting. For instance, in the second quarter of 2025, the company noted strong performance in the DIY segment alongside the Pro segment, with improved weather helping seasonal category sales. The comparable average ticket for all sales in Q2 2025 increased by 2.9%, though transactions decreased by 1.8%.

High-ticket, recurring sales to Pro customers are the strategic growth engine. Lowe's Companies, Inc. has been aggressively driving Pro penetration, having reached 30% Pro penetration by the end of 2024, and this segment continues to outpace DIY. As of mid-2025 analysis, Pro customers accounted for 40% of revenue. The Pro segment's growth is supported by strategic acquisitions like Artisan Design Group (ADG) and the pending Foundation Building Materials (FBM) buyout, positioning the company for larger, planned projects.

Here's a quick look at how the sales performance stacked up in the most recent reported quarter:

Metric	Q3 2025 Value	Comparison/Context
Total Net Sales (Q3 2025)	$20,813 million	Up from $20,170 million in Q3 2024
Comparable Sales Increase (Q3 2025)	0.4%	Driven by Pro and Home Services growth
Online Sales Growth (Q3 2025)	11.4%	Accelerating digital channel revenue
Pro Customer Revenue Share (Estimate)	40%	Targeted segment for higher-ticket sales
FY 2025 Total Sales Outlook (Latest)	$86 billion	Revised up from $84.5B - $85.5B range

Revenue from Home Services and installation fees is a growing stream. The company specifically highlighted double-digit growth in home services during the third quarter of 2025, indicating successful expansion in this area as part of the Total Home Strategy. This complements the core product sales by adding a service component to the transaction.

Rental income is not explicitly detailed in recent public reports, but revenue from extended protection plans is tracked under liabilities. As of the end of the third quarter of 2025, the deferred revenue balance specifically for Lowe's protection plans stood at $1,273 million. This represents a recurring revenue component derived from the sale of these service contracts.

The revenue streams are supported by loyalty programs. Pro customers using the MyLowe's Pro Rewards Credit Card save 5% every day on eligible purchases, which is part of the effort to create a cohesive loyalty ecosystem across customer types.

• Pro segment growth is expected to drive the majority of the revised $86 billion full-year sales forecast.
• Online sales growth of 11.4% in Q3 2025 shows continued acceleration in the digital revenue stream.
• The company is executing on productivity initiatives expected to generate approximately $1 billion in annual cost savings to support margins against these revenue figures.