Discontinued — last reported Q1 '25
Provision for Credit Losses
CMS Energy Provision for Credit Losses remained flat by 0.0% to $10.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 21.2%, from $8.25M to $10.00M. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a 16.1% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests management expects higher default rates or a deteriorating credit environment, while a decrease suggests improved borrower quality.
Detailed definition
This represents the non-cash expense set aside by a financial institution to cover potential losses from loans or credit...
Peer comparison
Common in banking and credit card issuers; peers adjust this based on macroeconomic forecasts and portfolio seasoning.
provision_for_credit_losses_cfHistorical Data
| FY'21 | FY'22 | FY'23 | FY'24 | FY'25 | |
|---|---|---|---|---|---|
| Value | $22.00M | $50.00M | $34.00M | $33.00M | $40.00M |
| YoY Change | — | +127.3% | -32.0% | -2.9% | +21.2% |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is CMS Energy's provision for credit losses?
- CMS Energy (CMS) reported provision for credit losses of $10.00M in Q4 2025.
- How has CMS Energy's provision for credit losses changed year-over-year?
- CMS Energy's provision for credit losses increased by 21.2% year-over-year, from $8.25M to $10.00M.
- What is the long-term trend for CMS Energy's provision for credit losses?
- Over 4 years (2021 to 2025), CMS Energy's provision for credit losses has grown at a 16.1% compound annual growth rate (CAGR), from $22.00M to $40.00M.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.