v3.25.4
Short-term Borrowings and Long-term Debt
12 Months Ended
Jan. 31, 2026
Long-Term Debt, Unclassified [Abstract]  
Short-term Borrowings and Long-term Debt Short-term Borrowings and Long-term Debt
Short-term borrowings consist of commercial paper and lines of credit. Short-term borrowings as of January 31, 2026 and 2025 were $6.6 billion and $3.1 billion, respectively, with weighted-average interest rates of 4.0% and 5.3%, respectively.
The Company has various committed lines of credit in the U.S. to support its commercial paper program which are summarized in the following table:
January 31, 2026January 31, 2025
(Amounts in millions)AvailableDrawnUndrawnAvailableDrawnUndrawn
Five-year credit facility(1)
$5,000 $— $5,000 $5,000 $— $5,000 
364-day revolving credit facility(1)
10,000 — 10,000 10,000 — 10,000 
Total$15,000 $— $15,000 $15,000 $— $15,000 
(1)In April 2025, the Company renewed and extended its existing 364-day revolving credit facility as well as its five year credit facility.
The committed lines of credit in the table above mature in April 2026 and April 2030, carry interest rates of the Secured Overnight Financing Rate plus 45 basis points, and incur commitment fees ranging between 1.5 and 4.0 basis points. In conjunction with the committed lines of credit listed in the table above, the Company has agreed to observe certain covenants, the most restrictive of which relates to the maximum amount of secured debt. Additionally, the Company has syndicated and fronted letters of credit available which totaled $2.0 billion and $2.1 billion as of January 31, 2026 and 2025, respectively, of which $1.7 billion and $1.5 billion was issued as of January 31, 2026 and 2025, respectively.
The Company's long-term debt, which includes the fair value instruments further discussed in Note 7, consists of the following as of January 31, 2026 and 2025:
 January 31, 2026January 31, 2025
(Amounts in millions)Maturity Dates
By Fiscal Year
Amount
Average Rate(1)
Amount
Average Rate(1)
Unsecured debt
Fixed2027 - 2054$32,032 3.9%$31,406 3.8%
Variable2028750 4.1%— —%
Total U.S. dollar denominated32,782 31,406 
Euro denominated
2027 - 20301,955 4.0%1,715 4.0%
Sterling denominated
2031 - 20393,677 5.4%3,336 5.4%
Yen denominated
2028388 0.5%389 0.5%
Total unsecured debt38,802 36,846 
Total other(2)
(636)(847)
Total debt38,166 35,999 
Less amounts due within one year(3,542)(2,598)
Long-term debt$34,624 $33,401 
(1)The average rate represents the weighted-average stated rate for each corresponding debt category, based on year-end balances and year-end interest rates.
(2)Includes deferred loan costs, discounts, fair value hedges, foreign-held debt and secured debt.
Annual maturities of long-term debt during the next five years and thereafter are as follows:
(Amounts in millions)Annual
Fiscal YearMaturities
2027$3,542 
20283,237 
20293,389 
20302,143 
20312,600 
Thereafter23,255 
Total$38,166 
Debt Issuances
Information on significant issuances of long-term debt during fiscal 2026, for general corporate purposes, is as follows:
(Amounts in millions)
Issue DatePrincipal AmountMaturity DateInterest RateNet Proceeds
April 28, 2025$750April 28, 2027Floating$749 
April 28, 2025$750April 28, 20274.100%748 
April 28, 2025$1,000April 28, 20304.350%993 
April 28, 2025$1,500April 28, 20354.900%1,493 
Total$3,983 
These issuances are senior, unsecured notes which rank equally with all other senior, unsecured debt obligations of the Company, and are not convertible or exchangeable. These issuances do not contain any financial covenants which restrict the Company's ability to pay dividends or repurchase Company stock.
Maturities
The following tables provide details of significant long-term debt maturities during fiscal 2026 and 2025, respectively:
(Amounts in millions)
Maturity DatePrincipal AmountInterest RateRepayment
June 26, 2025$8753.550%$875 
September 9, 2025$1,7503.900%1,750 
Total$2,625 
(Amounts in millions)
Maturity DatePrincipal AmountInterest RateRepayment
April 22, 2024$1,5003.300%$1,500 
July 8, 2024$9902.850%990 
July 18, 2024¥40,0000.298%253 
December 15, 2024$6302.650%630 
Total$3,373