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Northern Technologies International NTIC Provision for Credit Losses

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Other financials

Income statement

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Revenue$22.0M+15.3%
Gross profit$7.9M+15.6%
Operating income$382.8K+215%
Net income-$35.3K-108%
EPS (diluted)$0.00-100%

Balance sheet

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Cash & equivalents$6.5M+27.1%
Total debt$820.5K+177%
Total equity$73.3M+5.1%
Total assets$104.9M+12.0%

Cash flow

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Operating cash flow-$1.7M-314%
CapEx$184.7K
Free cash flow-$1.9M-245%

Valuation

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Market cap$81.25M+3.8%
Enterprise value$75.6M+5.2%
P/E107.1×-66.7×
P/S0.9×0.0×

Profitability

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Gross margin37%-2.2pp
Operating margin3.5%-2.5pp
Net margin3.5%-2.0pp
FCF margin7.8%

Returns & leverage

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Return on equity4.2%-2.5pp
Debt / equity0.0×
Current ratio1.8×-0.4×

Where this comes from

Reported directly by Northern Technologies International in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Northern Technologies International’s 10-Q, filed April 9, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Northern Technologies International's provision for credit losses?
Northern Technologies International (NTIC) reported provision for credit losses of $306 in Q4 2025.
What is the long-term trend for Northern Technologies International's provision for credit losses?
Over 2 years (2022 to 2024), Northern Technologies International's provision for credit losses has grown at a 102.4% compound annual growth rate (CAGR), from $57K to -$233.54K.
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.