Discontinued — last reported Q1 '25
Operating
Provision for Credit Losses
Ralph Lauren Provision for Credit Losses decreased by 57.1% to $1.20M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 100.0%, from $600.00K to $1.20M. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementCash Flow Statement
SectionOperating
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ1 2013
Last reportedQ1 2025
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.
Metric ID:
provision_for_credit_losses_cfHistorical Data
16 periods
| Q2 '21 | Q4 '21 | Q2 '22 | Q3 '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 | -$1.00M | -$1.80M | -$1.90M | $2.50M | $2.10M | -$800.00K | $1.10M | $1.50M | $5.50M | $800.00K | $1.30M | $600.00K | $6.50M | $2.70M | $2.80M | $1.20M |
| QoQ Change | — | -80.0% | -5.6% | +231.6% | -16.0% | -138.1% | +237.5% | +36.4% | +266.7% | -85.5% | +62.5% | -53.8% | +983.3% | -58.5% | +3.7% | -57.1% |
| YoY Change | — | — | -90.0% | — | — | +57.9% | -56.0% | — | +161.9% | +200.0% | +18.2% | -60.0% | +18.2% | +237.5% | +115.4% | +100.0% |
Range-$1.90M – $6.50M
CAGR+5.0%
Avg YoY Growth+63.9%
Median YoY Growth+57.9%
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is Ralph Lauren's provision for credit losses?
- Ralph Lauren (RL) reported provision for credit losses of $1.20M in Q4 2025.
- How has Ralph Lauren's provision for credit losses changed year-over-year?
- Ralph Lauren's provision for credit losses increased by 100.0% year-over-year, from $600.00K to $1.20M.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.