Provision for Credit Losses
S&P Global Provision for Credit Losses increased by 22.2% to $11.00M in Q3 2025 compared to the prior quarter. Year-over-year, this metric grew by 57.1%, from $7.00M to $11.00M. Over 2 years (FY 2022 to FY 2024), Provision for Credit Losses shows an upward trend with a 33.9% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
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.
cf_provision_for_credit_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $3.00M | $3.00M | -$7.00M | $19.00M | $6.00M | $6.00M | $8.00M | $4.00M | $7.00M | $9.00M | $15.00M | $14.00M | $7.00M | $7.00M | $8.00M | $9.00M | $11.00M |
| QoQ Change | — | +0.0% | -333.3% | +371.4% | -68.4% | +0.0% | +33.3% | -50.0% | +75.0% | +28.6% | +66.7% | -6.7% | -50.0% | +0.0% | +14.3% | +12.5% | +22.2% |
| YoY Change | — | — | — | +533.3% | +100.0% | — | +214.3% | -78.9% | +16.7% | +50.0% | +87.5% | +250.0% | +0.0% | -22.2% | -46.7% | -35.7% | +57.1% |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is S&P Global's provision for credit losses?
- S&P Global (SPGI) reported provision for credit losses of $11.00M in Q3 2025.
- How has S&P Global's provision for credit losses changed year-over-year?
- S&P Global's provision for credit losses increased by 57.1% year-over-year, from $7.00M to $11.00M.
- What is the long-term trend for S&P Global's provision for credit losses?
- Over 2 years (2022 to 2024), S&P Global's provision for credit losses has grown at a 33.9% compound annual growth rate (CAGR), from $24.00M to $43.00M.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.