Copart Provision for Credit Losses decreased by 93.6% to $126.00K in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 431.6%, from -$38.00K to $126.00K. This increase may warrant attention — for this metric, lower values are generally preferred.
An increase suggests deteriorating credit quality or portfolio growth, while a decrease may indicate improved borrower health or more conservative lending.
This is an expense set aside to cover expected future losses on loans and credit card receivables. It reflects managemen...
Standard for all lenders and credit card issuers.
provision_for_credit_losses| Q1 '21 | Q3 '21 | Q4 '21 | Q3 '22 | Q4 '22 | Q1 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$1.64M | $295.00K | $1.40M | $1.40M | $737.00K | -$653.00K | $1.05M | $2.65M | -$1.19M | $1.09M | -$38.00K | -$903.00K | $1.98M | $126.00K |
| QoQ Change | — | +118.0% | +374.6% | -0.3% | -47.2% | -188.6% | +260.6% | +152.9% | -144.8% | +192.0% | -103.5% | <-999% | +318.9% | -93.6% |
| YoY Change | — | — | — | +373.2% | -47.4% | — | -24.9% | +260.0% | -82.1% | +4.3% | -101.4% | +24.1% | +80.7% | +431.6% |