What is Five9's provision for credit losses?

Five9 (FIVN) reported provision for credit losses of $365K in Q1 2026.

How has Five9's provision for credit losses changed year-over-year?

Five9's provision for credit losses decreased by 13.7% year-over-year, from $423K to $365K.

What is the long-term trend for Five9's provision for credit losses?

Over 4 years (2021 to 2025), Five9's provision for credit losses has grown at a 18.9% compound annual growth rate (CAGR), from $808K to $1.62M.

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.

Five9 FIVN Provision for Credit Losses

Provision for Credit Losses at other companies

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$1.09M-45.1%

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$3.74M-15.7%

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$3.03M-48.3%

nCino, Inc.NCNO

-$54K-127%

Concentrix CorporationCNXC

$2.08M-37.2%

KlaviyoKVYO

$636K-65.0%

Other financials

Income statement

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Revenue$305.3M+9.2%

Gross profit$170.5M+10.9%

Operating income$18.5M+441%

Net income$18.4M+3,097%

EPS (diluted)$0.21+2,000%

Balance sheet

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Cash & equivalents$275.1M-26.1%

Total debt$72.1M-85.9%

Total equity$829.6M+24.9%

Total assets$1.9B-10.7%

Cash flow

See full

Operating cash flow$63.9M+32.1%

CapEx$5.3M+11.5%

Free cash flow$58.7M+34.3%

Valuation

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Market cap$1.49B-27.2%

Enterprise value$1.29B-41.1%

P/E26.1×—

P/S1.3×-0.6×

Profitability

See full

Gross margin55.3%+0.8pp

Operating margin4.5%+3.1pp

Net margin4.9%+4.5pp

FCF margin18.4%+6.9pp

Returns & leverage

See full

Return on equity7.7%+6.9pp

Debt / equity0.1×-0.7×

Current ratio4.5×+2.5×

Where this comes from

Reported directly by Five9 in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Five9’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Five9's provision for credit losses?: Five9 (FIVN) reported provision for credit losses of $365K in Q1 2026.
How has Five9's provision for credit losses changed year-over-year?: Five9's provision for credit losses decreased by 13.7% year-over-year, from $423K to $365K.
What is the long-term trend for Five9's provision for credit losses?: Over 4 years (2021 to 2025), Five9's provision for credit losses has grown at a 18.9% compound annual growth rate (CAGR), from $808K to $1.62M.
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.