Discontinued — last reported Q4 '25
Paychex Provision for Credit Losses increased by 275.6% to $16.90M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 225.0%, from $5.20M to $16.90M. Over 3 years (FY 2022 to FY 2025), Provision for Credit Losses shows an upward trend with a 32.1% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
An increase suggests management expects higher default rates or a deteriorating credit environment, while a decrease suggests improved borrower quality.
This represents the non-cash expense set aside by a financial institution to cover potential losses from loans or credit...
Common in banking and credit card issuers; peers adjust this based on macroeconomic forecasts and portfolio seasoning.
provision_for_credit_losses_cf| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$3.60M | $4.60M | $200.00K | $9.30M | $4.50M | $3.60M | $5.00M | $4.60M | $4.30M | $5.70M | $4.90M | $4.90M | $7.50M | $4.90M | $5.20M | $6.60M | $7.70M | $4.50M | $16.90M |
| QoQ Change | — | +227.8% | -95.7% | >999% | -51.6% | -20.0% | +38.9% | -8.0% | -6.5% | +32.6% | -14.0% | +0.0% | +53.1% | -34.7% | +6.1% | +26.9% | +16.7% | -41.6% | +275.6% |
| YoY Change | — | — | — | — | +225.0% | -21.7% | >999% | -50.5% | -4.4% | +58.3% | -2.0% | +6.5% | +74.4% | -14.0% | +6.1% | +34.7% | +2.7% | -8.2% | +225.0% |