What is Vera Bradley's provision for credit losses?

Vera Bradley (VRA) reported provision for credit losses of $38K in Q1 2026.

What is the long-term trend for Vera Bradley's provision for credit losses?

Over 2 years (2022 to 2026), Vera Bradley's provision for credit losses has grown at a 8.9% compound annual growth rate (CAGR), from $108K to $128K.

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.

Vera Bradley VRA Provision for Credit Losses

Provision for Credit Losses at other companies

Tapestry, Inc.TPR

$800K-52.9%

Vince Holding Corp. VNCE

-$32K-200%

Other financials

Income statement

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Revenue$55.7M+7.8%

Gross profit$28.8M+26.6%

Operating income-$4.6M+74.0%

Net income-$4.8M+85.6%

EPS (diluted)-$0.17+85.8%

Balance sheet

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Cash & equivalents$12.5M+10.9%

Total debt$1.1M-59.3%

Total equity$127.0M-13.0%

Total assets$219.2M-18.2%

Cash flow

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Operating cash flow-$5.3M+70.7%

CapEx$333.0K-82.2%

Free cash flow-$5.6M+71.8%

Valuation

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Market cap$110.62M+89.5%

Enterprise value$99.22M+99.2%

P/S0.4×+0.2×

Profitability

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Gross margin47.9%-0.9pp

Operating margin-7.8%-2.0pp

Net margin-7%-3.0pp

FCF margin-5.8%—

Returns & leverage

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Return on equity-14.1%-5.7pp

Debt / equity0×0.0×

Current ratio2.5×+0.2×

Where this comes from

Reported directly by Vera Bradley in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Vera Bradley’s 10-Q, filed June 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Vera Bradley's provision for credit losses?: Vera Bradley (VRA) reported provision for credit losses of $38K in Q1 2026.
What is the long-term trend for Vera Bradley's provision for credit losses?: Over 2 years (2022 to 2026), Vera Bradley's provision for credit losses has grown at a 8.9% compound annual growth rate (CAGR), from $108K to $128K.
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.