What is LGI Homes's allowance for credit losses?

LGI Homes (LGIH) reported allowance for credit losses of $4.64M in Q4 2025.

What does allowance for credit losses mean?

Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.

LGI Homes LGIH Allowance for credit losses

Allowance for credit losses at other companies

Great Southern BancorpGSBC

$0—

Other financials

Income statement

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Revenue$319.7M-9.0%

Gross profit$59.9M-18.7%

Operating income-$582.0K-444%

Net income$2.2M-45.9%

EPS (diluted)$0.09-47.1%

Balance sheet

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Cash & equivalents$60.9M+5.7%

Total debt$5.0M-17.3%

Total equity$2.1B+2.9%

Total assets$4.0B+3.1%

Cash flow

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Operating cash flow-$55.5M+56.3%

CapEx$696.0K-16.2%

Free cash flow-$56.2M+56.1%

Valuation

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Market cap$1.43B+26.9%

Enterprise value$1.37B+27.8%

P/E20.2×+14.0×

P/S0.9×+0.3×

Profitability

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Gross margin20.3%-3.5pp

Operating margin4.7%-4.2pp

Net margin4.2%-4.2pp

FCF margin-10.5%-12.7pp

Returns & leverage

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Return on equity3.4%-5.9pp

Debt / equity0×0.0×

Where this comes from

Reported directly by LGI Homes in its filing.

Tagged under the XBRL concept us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals.

The official record: LGI Homes’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is LGI Homes's allowance for credit losses?: LGI Homes (LGIH) reported allowance for credit losses of $4.64M in Q4 2025.
What does allowance for credit losses mean?: Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.