What is ePlus's provision for credit losses?

ePlus (PLUS) reported provision for credit losses of $405K in Q4 2025.

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

ePlus's provision for credit losses decreased by 67.8% year-over-year, from $1.26M to $405K.

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.

ePlus PLUS Provision for Credit Losses

Provision for Credit Losses at other companies

Insight EnterprisesNSIT

$3.43M-6.5%

CDWCDW

$5.6M-32.5%

CNX

PC ConnectionCNXN

$239K-39.5%

TD SYNNEXSNX

$6.83M+7.3%

GenpactG

$4.72M-35.3%

EPAM SystemsEPAM

-$593K-172%

Other financials

Income statement

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Revenue$581.6M+21.7%

Gross profit$147.1M+10.7%

Operating income$37.6M+52.0%

Net income$25.0M+14.9%

EPS (diluted)$0.95+14.5%

Balance sheet

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Cash & equivalents$410.8M+5.5%

Total debt$16.3M-80.9%

Total equity$1.1B+10.1%

Total assets$1.8B-4.2%

Cash flow

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Operating cash flow-$87.4M-233%

CapEx$1.2M-36.5%

Free cash flow-$30.2M-119%

Valuation

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Market cap$2.11B+22.3%

Profitability

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Gross margin25.2%-0.4pp

Operating margin6.8%+1.8pp

Net margin5.4%+0.2pp

FCF margin-10.4%-26.4pp

Returns & leverage

See full

Return on equity13%+1.8pp

Debt / equity0×-0.1×

Current ratio2.2×+0.5×

Where this comes from

Reported directly by ePlus in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The official record: ePlus’s 10-Q, filed February 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ePlus's provision for credit losses?: ePlus (PLUS) reported provision for credit losses of $405K in Q4 2025.
How has ePlus's provision for credit losses changed year-over-year?: ePlus's provision for credit losses decreased by 67.8% year-over-year, from $1.26M to $405K.
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.