Discontinued — last reported Q1 '25
Provision for Credit Losses
Fair Isaac Provision for Credit Losses increased by 198.3% to $351.00K in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 29.1%, from $495.00K to $351.00K. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a 22.8% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
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
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $285.00K | $101.00K | $325.00K | $325.00K | $325.00K | $1.83M | $369.00K | $369.00K | $368.00K | $369.00K | $419.00K | $419.00K | $418.00K | $419.00K | $495.00K | $495.00K | $495.00K | $0.00 | -$357.00K | $351.00K |
| QoQ Change | — | -64.6% | +221.8% | +0.0% | +0.0% | +461.5% | -79.8% | +0.0% | -0.3% | +0.3% | +13.6% | +0.0% | -0.2% | +0.2% | +18.1% | +0.0% | +0.0% | -100.0% | — | +198.3% |
| YoY Change | — | — | — | — | +14.0% | >999% | +13.5% | +13.5% | +13.2% | -79.8% | +13.6% | +13.6% | +13.6% | +13.6% | +18.1% | +18.1% | +18.4% | -100.0% | -172.1% | -29.1% |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is Fair Isaac's provision for credit losses?
- Fair Isaac (FICO) reported provision for credit losses of $351.00K in Q1 2026.
- How has Fair Isaac's provision for credit losses changed year-over-year?
- Fair Isaac's provision for credit losses decreased by 29.1% year-over-year, from $495.00K to $351.00K.
- What is the long-term trend for Fair Isaac's provision for credit losses?
- Over 4 years (2021 to 2025), Fair Isaac's provision for credit losses has grown at a 22.8% compound annual growth rate (CAGR), from $652.00K to $1.49M.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.