What is Scotts Miracle-Gro's allowance for credit losses?

Scotts Miracle-Gro (SMG) reported allowance for credit losses of $1.9M in Q3 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.

Scotts Miracle-Gro SMG Allowance for credit losses

Allowance for credit losses at other companies

CVB FinancialCVBF

$80.17M+2.5%

First BanCorpFBP

$245.06M-0.9%

Fulton FinancialFULT

$367.49M-3.2%

PopularBPOP

$14.55M+2.7%

First Financial BancorpFFBC

$183.72M+18.2%

Community Financial SystemCBU

$90.19M+8.9%

Other financials

Income statement

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Revenue$1.5B+5.0%

Gross profit$610.5M+11.5%

Operating income$401.8M+14.9%

Net income$238.6M+9.7%

EPS (diluted)$4.04+8.6%

Balance sheet

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Cash & equivalents$6.2M-28.7%

Total debt$2.7B-5.5%

Total equity-$286.5M+1.2%

Total assets$3.4B-3.5%

Cash flow

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Operating cash flow-$370.4M+16.8%

CapEx$18.6M+124%

Free cash flow-$390.4M+17.7%

Valuation

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Market cap$3.69B+11.9%

Profitability

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Gross margin32.7%+3.4pp

Operating margin0.3%-0.2pp

Net margin1.6%+0.9pp

FCF margin10.8%-3.2pp

Returns & leverage

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Return on equity-47.6%+104pp

Debt / equity25.2×+16.1×

Current ratio1.3×-0.4×

Where this comes from

Reported directly by Scotts Miracle-Gro in its filing.

Tagged under the XBRL concept us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLoss.

The official record: Scotts Miracle-Gro’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Scotts Miracle-Gro's allowance for credit losses?: Scotts Miracle-Gro (SMG) reported allowance for credit losses of $1.9M in Q3 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.