What Lowe's Companies, Inc. told the SEC could break it.

Lowe's sources a large percentage of its private-branded and national-brand merchandise from foreign manufacturers, with China and Mexico the dominant import sources; tariffs and trade-policy changes (incl. USMCA changes) increase merchandise cost and could dampen consumer demand.

“We source, both directly and indirectly, a portion of the products we sell from foreign manufacturers, with China and Mexico being the dominant import sources. Tax and trade policies, tariffs, and other regulations affecting trade between the United States and other countries, such as China and Mexico, increase the cost of our merchandise sourced from outside of the United States, which represents a large percentage of our private branded and national brand merchandise.”

In addition to U.S. operations, Lowe's maintains support offices in India and China; an extended disruption of operations in these locations, whether due to labor difficulties or otherwise, could adversely affect its business.

“In addition to our United States operations, we have support offices in India and China, and any extended disruption of our operations in our different locations, whether due to labor difficulties or otherwise, could adversely affect our business and results of operations.”

EPA Region 5, EPA and DOJ identified possible deviations from a 2014 civil consent decree governing lead-safe work practices in pre-1978 homes; on November 25, 2025, Lowe's agreed (without admitting liability) to resolve the matter via a civil penalty.

“On November 25, 2025, the Company, without admitting liability, agreed to resolve the matter by payment of a civil penalty of $12,50”

Lowe's relies on third parties to process credit/debit cards, electronic checks, gift cards, promotional financing and other electronic payments and pays interchange and other fees that may rise over time; disruption if these providers become unwilling/unable to provide services would harm its business.

“we rely on third parties to provide payment processing services, including the processing of credit cards, debit cards, electronic checks, gift cards, promotional financing, and other forms of electronic payment, and it could disrupt our business if these companies become unwilling or unable to provide”