What is Toast's allowance for credit losses?

Toast (TOST) reported allowance for credit losses of $48M in Q1 2026.

How has Toast's allowance for credit losses changed year-over-year?

Toast's allowance for credit losses increased by 45.5% year-over-year, from $33M to $48M.

What is the long-term trend for Toast's allowance for credit losses?

Over 4 years (2021 to 2025), Toast's allowance for credit losses has grown at a 119.0% compound annual growth rate (CAGR), from $2M to $46M.

Toast TOST Allowance for credit losses

Allowance for credit losses at other companies

Affirm Holdings, Inc.AFRM

$512.31M+36.6%

U.S. BancorpUSB

$7.65B+0.8%

SoFi Technologies, Inc.SOFI

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Other financials

Income statement

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Revenue$1.6B+21.9%

Gross profit$447.0M+29.2%

Operating income$110.0M+156%

Net income$126.0M+125%

EPS (diluted)$0.20+122%

Balance sheet

See full

Cash & equivalents$1.4B+12.2%

Total debt$17.0M-22.7%

Total equity$2.0B+18.9%

Total assets$3.1B+20.7%

Cash flow

See full

Operating cash flow$132.0M+67.1%

CapEx$17.0M+70.0%

Free cash flow$115.0M+66.7%

Valuation

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Market cap$14.3B-18.1%

Enterprise value$12.91B-20.3%

P/E34.7×-75.9×

P/S2.2×-1.1×

Profitability

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Gross margin26.3%+1.6pp

Operating margin5.6%+3.4pp

Net margin6.4%+3.4pp

FCF margin10.1%+2.3pp

Returns & leverage

See full

Return on equity22.5%+11.5pp

Debt / equity0×0.0×

Current ratio2.4×-0.1×

Where this comes from

Reported directly by Toast in its filing.

Tagged under the XBRL concept us-gaap:OffBalanceSheetCreditLossLiability.

The official record: Toast’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Toast's allowance for credit losses?: Toast (TOST) reported allowance for credit losses of $48M in Q1 2026.
How has Toast's allowance for credit losses changed year-over-year?: Toast's allowance for credit losses increased by 45.5% year-over-year, from $33M to $48M.
What is the long-term trend for Toast's allowance for credit losses?: Over 4 years (2021 to 2025), Toast's allowance for credit losses has grown at a 119.0% compound annual growth rate (CAGR), from $2M to $46M.