Provision for Credit Losses
Wells Fargo & Company Provision for Credit Losses increased by 52.7% to $1.04B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 5.0%, from $1.10B to $1.04B. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a -3.1% 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 | Q4 '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 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$1.26B | -$1.40B | -$452.00M | -$787.00M | $580.00M | $784.00M | $957.00M | $1.21B | $1.71B | $1.20B | $1.28B | $938.00M | $1.24B | $1.07B | $1.10B | $932.00M | $1.01B | $681.00M | $1.04B |
| QoQ Change | — | -10.7% | +67.6% | -74.1% | +173.7% | +35.2% | +22.1% | +26.1% | +41.9% | -30.1% | +7.1% | -26.8% | +31.8% | -13.8% | +2.8% | -14.9% | +7.8% | -32.2% | +52.7% |
| YoY Change | — | — | — | — | +146.0% | +156.2% | +311.7% | +253.4% | +195.3% | +52.7% | +34.0% | -22.3% | -27.8% | -11.0% | -14.6% | -0.6% | -18.7% | -36.1% | -5.0% |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is Wells Fargo & Company's provision for credit losses?
- Wells Fargo & Company (WFC) reported provision for credit losses of $1.04B in Q4 2025.
- How has Wells Fargo & Company's provision for credit losses changed year-over-year?
- Wells Fargo & Company's provision for credit losses decreased by 5.0% year-over-year, from $1.10B to $1.04B.
- What is the long-term trend for Wells Fargo & Company's provision for credit losses?
- Over 4 years (2021 to 2025), Wells Fargo & Company's provision for credit losses has grown at a -3.1% compound annual growth rate (CAGR), from -$4.16B to $3.66B.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.