What is Copart's provision for credit losses?

Copart (CPRT) reported provision for credit losses of $126K in Q4 2025.

What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

Copart CPRT Provision for Credit Losses

Provision for Credit Losses at other companies

Liquidity ServicesLQDT

$68K-5.6%

OPENLANE, IncOPLN

$10.3M+10.8%

CarGurus, Inc.CARG

$935K+121%

Verra MobilityVRRM

$2.64M-67.5%

Cars.com Inc.CARS

$607K+69.1%

Other financials

Income statement

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Revenue$1.2B+2.1%

Operating income$464.3M+2.8%

Net income$402.4M-1.0%

EPS (diluted)$0.43+2.4%

Balance sheet

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Cash & equivalents$3.4B+41.7%

Total debt$103.7M-12.6%

Total equity$8.8B-0.1%

Total assets$9.6B-0.2%

Cash flow

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Operating cash flow$584.2M-16.6%

CapEx$80.9M-36.8%

Free cash flow$503.3M-12.2%

Valuation

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Market cap$26.1B-40.4%

P/E16.8×-12.8×

P/S5.6×-3.9×

Profitability

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Gross margin88.6%—

Operating margin36.6%+0.8pp

Net margin33.5%+1.3pp

FCF margin28.9%+3.1pp

Returns & leverage

See full

Return on equity17.7%-0.8pp

Debt / equity0×0.0×

Current ratio7.6×-0.5×

Where this comes from

Reported directly by Copart in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Copart’s 10-Q, filed March 3, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Copart's provision for credit losses?: Copart (CPRT) reported provision for credit losses of $126K in Q4 2025.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.