Operating
Gain (Loss) on Sales of Consumer Loans
Carvana Gain (Loss) on Sales of Consumer Loans increased by 12.4% to $354M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 29.7%, from $273M to $354M. Over 4 years (FY 2021 to FY 2025), Gain (Loss) on Sales of Consumer Loans shows an upward trend with a 13.6% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
StatementCash Flow Statement
SectionOperating
CategoryProfitability
SignalHigher is better
VolatilityModerate
First reportedQ1 2015
Last reportedQ1 2026Apr 29, 2026
How to read this metric
Higher gains indicate strong pricing power and high-quality loan underwriting that appeals to secondary market buyers.
Detailed definition
This captures the realized profit or loss generated when selling loans to third-party investors or securitization trusts...
Peer comparison
Standard metric for evaluating the efficiency of a company's lending and securitization operations.
Metric ID:
operating_gain_loss_on_sales_of_consumer_loansHistorical Data
20 periods
| 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 | $200M | $190M | $189M | $105M | $130M | $126M | $50M | $64M | $150M | $146M | $74M | $144M | $173M | $224M | $214M | $273M | $274M | $331M | $315M | $354M |
| QoQ Change | — | -5.0% | -0.5% | -44.4% | +23.8% | -3.1% | -60.3% | +28.0% | +134.4% | -2.7% | -49.3% | +94.6% | +20.1% | +29.5% | -4.5% | +27.6% | +0.4% | +20.8% | -4.8% | +12.4% |
| YoY Change | — | — | — | — | -35.0% | -33.7% | -73.5% | -39.0% | +15.4% | +15.9% | +48.0% | +125.0% | +15.3% | +53.4% | +189.2% | +89.6% | +58.4% | +47.8% | +47.2% | +29.7% |
Range$50M – $354M
CAGR+12.8%
Avg YoY Growth+34.6%
Median YoY Growth+38.4%
Gain (Loss) on Sales of Consumer Loans at Other Companies
Frequently Asked Questions
- What is Carvana's gain (loss) on sales of consumer loans?
- Carvana (CVNA) reported gain (loss) on sales of consumer loans of $354M in Q1 2026.
- How has Carvana's gain (loss) on sales of consumer loans changed year-over-year?
- Carvana's gain (loss) on sales of consumer loans increased by 29.7% year-over-year, from $273M to $354M.
- What is the long-term trend for Carvana's gain (loss) on sales of consumer loans?
- Over 4 years (2021 to 2025), Carvana's gain (loss) on sales of consumer loans has grown at a 13.6% compound annual growth rate (CAGR), from $717M to $1.19B.
- What does gain (loss) on sales of consumer loans mean?
- The profit or loss made on the sale of loan portfolios.