Accounts receivable, net (Tables)

3 Months Ended

Apr. 29, 2017



(in millions)	April 29, 2017		January 28, 2017		April 30, 2016
Accounts receivable by portfolio segment, net:
Sterling Jewelers customer in-house finance receivables	$	1,683.8	$	1,813.3	$	1,654.3
Zale customer in-house finance receivables	32.8		33.4		21.6
Other accounts receivable	9.7		11.3		13.4
Total accounts receivable, net	$	1,726.3	$	1,858.0	$	1,689.3

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



	13 weeks ended
(in millions)	April 29, 2017			April 30, 2016
Beginning balance:	$	(138.7	)	$	(130.0	)
Charge-offs, net	54.4			46.8
Recoveries	9.1			10.1
Provision	(51.7		)	(43.7		)
Ending balance	$	(126.9	)	$	(116.8	)
Ending receivable balance evaluated for impairment	1,810.7			1,771.1
Sterling Jewelers customer in-house finance receivables, net	$	1,683.8		$	1,654.3

The credit quality indicator and age analysis of Sterling Jewelers customer in-house finance receivables are shown below:



	April 29, 2017				January 28, 2017				April 30, 2016
(as a % of the ending receivable balance)	Gross		Valuation allowance		Gross		Valuation allowance		Gross		Valuation allowance
Performing
Current, aged 0 – 30 days	79.8	%	3.1	%	78.8	%	3.1	%	80.6	%	3.0	%
Past due, aged 31 – 60 days	13.9	%	3.3	%	14.5	%	3.2	%	13.6	%	3.3	%
Past due, aged 61 – 90 days	2.3	%	5.1	%	2.6	%	4.5	%	2.2	%	5.1	%
Non Performing
Past due, aged more than 90 days	4.0	%	100.0	%	4.1	%	100.0	%	3.6	%	100.0	%
	100.0	%	7.0	%	100.0	%	7.1	%	100.0	%	6.6	%