Accounts receivable, net (Tables)

3 Months Ended

May 02, 2015



(in millions)	May 2, 2015		January 31, 2015		May 3, 2014
Accounts receivable by portfolio segment, net:
Sterling Jewelers customer in-house finance receivables	$	1,489.4	$	1,552.9	$	1,294.8
Other accounts receivable	10.5		14.7		13.4
Total accounts receivable, net	$	1,499.9	$	1,567.6	$	1,308.2

The allowance for credit losses on Sterling Jewelers' customer in-house finance receivables is shown below:



	13 weeks ended
(in millions)	May 2, 2015			May 3, 2014
Beginning balance:	$	(113.1	)	$	(97.8	)
Charge-offs	37.9			32.3
Recoveries	10.4			8.5
Provision	(38.5		)	(30.8		)
Ending balance	$	(103.3	)	$	(87.8	)
Ending receivable balance evaluated for impairment	1,592.7			1,382.6
Sterling Jewelers customer in-house finance receivables, net	$	1,489.4		$	1,294.8

The following tables summarize the credit quality indicator and age analysis of past due Sterling Jewelers' customer in-house finance receivables:



	May 2, 2015				January 31, 2015				May 3, 2014
(as a % of the ending receivable balance)	Gross		Valuation allowance		Gross		Valuation allowance		Gross		Valuation allowance
Performing	96.5	%	3.1	%	96.2	%	3.1	%	96.7	%	3.1	%
Non Performing	3.5	%	100.0	%	3.8	%	100.0	%	3.3	%	100.0	%
	100.0	%	6.5	%	100.0	%	6.8	%	100.0	%	6.4	%