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Paychex PAYX Provision for Credit Losses

Provision for Credit Losses at other companies

Asure SoftwareASUR

$9K-90.3%

PaylocityPCTY

$413K+60.1%

TrueblueTBI

$1.07M+330%

HealthStreamHSTM

$92K-61.2%

ManpowerGroup, Inc.MAN

$2.5M+66.7%

IntuitINTU

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Other financials

Income statement

Revenue$1.6B+12.5%

Gross profit$1.4B+22.8%

Operating income$604.7M+40.3%

Net income$420.6M+41.5%

EPS (diluted)$1.17+42.7%

Balance sheet

Cash & equivalents$1.1B-33.2%

Total debt$4.6B-0.8%

Total equity$3.7B-9.5%

Total assets$16.2B-2.4%

Cash flow

Operating cash flow$580.9M+69.0%

CapEx$65.9M+8.9%

Free cash flow$515.0M+81.8%

Valuation

Market cap$34.97B-25.6%

Enterprise value$38.49B-23.2%

P/E19.9×-8.5×

P/S5.4×-3.1×

Profitability

Gross margin73.9%+1.9pp

Operating margin38.6%-1.1pp

Net margin27%-2.7pp

FCF margin35.7%+5.0pp

Returns & leverage

Return on equity44.8%+3.0pp

Debt / equity1.2×+0.1×

Current ratio1.3×0.0×

Where this comes from

Reported directly by Paychex in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Paychex’s 10-Q, filed March 26, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Paychex's provision for credit losses?: Paychex (PAYX) reported provision for credit losses of $16.9M in Q4 2025.
How has Paychex's provision for credit losses changed year-over-year?: Paychex's provision for credit losses increased by 225.0% year-over-year, from $5.2M to $16.9M.
What is the long-term trend for Paychex's provision for credit losses?: Over 3 years (2022 to 2025), Paychex's provision for credit losses has grown at a 32.1% compound annual growth rate (CAGR), from $10.5M to $24.2M.
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.