Provision for Credit Losses
Goldman Sachs Group Provision for Credit Losses decreased by 726.3% to -$2.12B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 704.8%, from $351.00M to -$2.12B. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows a downward trend with a 32.9% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests management expects higher default rates or a deteriorating credit environment, while a decrease suggests improved borrower quality.
Detailed definition
This represents the non-cash expense set aside by a financial institution to cover potential losses from loans or credit...
Peer comparison
Common in banking and credit card issuers; peers adjust this based on macroeconomic forecasts and portfolio seasoning.
cf_provision_for_credit_lossesHistorical Data
| 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 | -$92.00M | $175.00M | $344.00M | $561.00M | $667.00M | $515.00M | $972.00M | -$171.00M | $615.00M | $7.00M | $577.00M | $318.00M | $282.00M | $397.00M | $351.00M | $287.00M | $384.00M | $339.00M | -$2.12B |
| QoQ Change | — | +290.2% | +96.6% | +63.1% | +18.9% | -22.8% | +88.7% | -117.6% | +459.6% | -98.9% | >999% | -44.9% | -11.3% | +40.8% | -11.6% | -18.2% | +33.8% | -11.7% | -726.3% |
| YoY Change | — | — | — | — | +825.0% | +194.3% | +182.6% | -130.5% | -7.8% | -98.6% | -40.6% | +286.0% | -54.1% | >999% | -39.2% | -9.7% | +36.2% | -14.6% | -704.8% |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is Goldman Sachs Group's provision for credit losses?
- Goldman Sachs Group (GS) reported provision for credit losses of -$2.12B in Q4 2025.
- How has Goldman Sachs Group's provision for credit losses changed year-over-year?
- Goldman Sachs Group's provision for credit losses decreased by 704.8% year-over-year, from $351.00M to -$2.12B.
- What is the long-term trend for Goldman Sachs Group's provision for credit losses?
- Over 4 years (2021 to 2025), Goldman Sachs Group's provision for credit losses has grown at a 32.9% compound annual growth rate (CAGR), from $357.00M to -$1.11B.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.