Carvana (CVNA) Notes Payables (2016 - 2026)
Carvana (CVNA) posted Short-Term Borrowings of $283 million for Q3 2026, down 11.6% from $320 million a year earlier but up 10.5% from the prior quarter.
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Analysis
Carvana (CVNA) Notes Payables (2016 - 2026) Analysis & Trends
At the end of FY2025, Carvana's Short-Term Borrowings came in at $227 million, down 26.5% from FY2024.
- Annual Short-Term Borrowings shows a five-year compound annual growth rate of 28.4% (FY2020 to FY2025).
- In prior years, Carvana's Short-Term Borrowings was $309 million in FY2024 (+63.5%), $189 million in FY2023 (-6.0%), $201 million in FY2022 (+32.2%) and $152 million in FY2021 (+133.8%).
- Quarterly Short-Term Borrowings has run from a low of $152 million in Q4 2021 to a high of $320 million in Q3 2025 over five years.
- On a year-over-year basis, Short-Term Borrowings has declined in each of the last four quarters, with growth averaging 18.4% over the last eight quarters.
- The strongest year-over-year quarter for Short-Term Borrowings in the past five years was Q2 2022, with growth of 198.6%; the weakest was Q4 2025, with a decline of 26.5%.
- According to Business Quant data, Short-Term Borrowings for the three prior quarters was $256 million (Q2 2026), $229 million (Q1 2026) and $227 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Amazon Com | 2,583.91 Bn | 2,583.91 Bn | - |
| 2 | Home Depot | 327.32 Bn | 320.57 Bn | 16.12 Bn |
| 3 | Tjx Companies | 155.16 Bn | 132.70 Bn | 5.07 Bn |
| 4 | Lowes Companies | 116.41 Bn | 109.37 Bn | 8.58 Bn |
| 5 | O Reilly Automotive | 72.96 Bn | 72.96 Bn | 2.68 Bn |
| 6 | Ross Stores | 72.59 Bn | 55.51 Bn | 2.12 Bn |
| 7 | Target | 69.63 Bn | 64.22 Bn | 8.94 Bn |
| 8 | Autozone | 52.04 Bn | 50.89 Bn | 3.52 Bn |
| 9 | Carvana | 49.71 Bn | 39.29 Bn | 1.52 Bn |
| 10 | JD.com | 36.48 Bn | -83.72 Bn | 8.74 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 283.00 Mn |
| Jun 30, 2026 | 256.00 Mn |
| Mar 31, 2026 | 229.00 Mn |
| Dec 31, 2025 | 227.00 Mn |
| Sep 30, 2025 | 320.00 Mn |
| Jun 30, 2025 | 312.00 Mn |
| Mar 31, 2025 | 308.00 Mn |
| Dec 31, 2024 | 309.00 Mn |
| Sep 30, 2024 | 209.00 Mn |
| Jun 30, 2024 | 203.00 Mn |
| Mar 31, 2024 | 194.00 Mn |
| Dec 31, 2023 | 189.00 Mn |
| Sep 30, 2023 | 200.00 Mn |
| Jun 30, 2023 | 199.00 Mn |
| Mar 31, 2023 | 201.00 Mn |
| Dec 31, 2022 | 201.00 Mn |
| Sep 30, 2022 | 213.00 Mn |
| Jun 30, 2022 | 212.00 Mn |
| Mar 31, 2022 | 178.00 Mn |
| Dec 31, 2021 | 152.00 Mn |
API Access
Carvana Notes Payables API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=notes-payables&ticker=CVNA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "notes-payables", "ticker": "CVNA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=notes-payables&ticker=CVNA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();