Exhibit 99.1
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GM FINANCIAL REPORTS SECOND QUARTER 2025
OPERATING RESULTS

•Second quarter net income of $510 million
•Second quarter retail loan and operating lease originations of $14.9 billion
•Earning assets of $127.8 billion at June 30, 2025
•Available liquidity of $38.0 billion at June 30, 2025

FORT WORTH, TEXAS July 22, 2025 – GENERAL MOTORS FINANCIAL COMPANY, INC.
(“GM Financial” or the “Company”) announced net income of $510 million for the quarter ended June 30, 2025, compared to $610 million for the quarter ended June 30, 2024. Net income for the six months ended June 30, 2025 was $1.0 billion, compared to $1.1 billion for the six months ended June 30, 2024.

Retail loan originations were $9.5 billion for the quarter ended June 30, 2025, compared to $9.6 billion for the quarter ended March 31, 2025, and $8.6 billion for the quarter ended June 30, 2024. Retail loan originations for the six months ended June 30, 2025 were $19.1 billion, compared to $17.0 billion for the six months ended June 30, 2024. The outstanding balance of retail finance receivables was $77.8 billion at June 30, 2025, compared to $77.0 billion at March 31, 2025 and $73.3 billion at June 30, 2024.

Operating lease originations were $5.4 billion for the quarter ended June 30, 2025, compared to $5.0 billion for both the quarters ended March 31, 2025 and June 30, 2024. Operating lease originations for the six months ended June 30, 2025 were $10.4 billion, compared to $9.3 billion for the six months ended June 30, 2024. Leased vehicles, net was $33.2 billion at June 30, 2025, compared to $32.2 billion at March 31, 2025 and $30.3 billion at June 30, 2024.

The outstanding balance of commercial finance receivables was $16.7 billion at June 30, 2025, compared to $16.9 billion at March 31, 2025 and $17.1 billion at June 30, 2024.

Retail finance receivables 31-60 days delinquent were 2.1% of the portfolio at both June 30, 2025 and June 30, 2024. Accounts more than 60 days delinquent were 0.8% of the portfolio at June 30, 2025 and 0.7% at June 30, 2024.

Annualized net charge-offs were 1.1% of average retail finance receivables for the quarter ended June 30, 2025 and 1.0% for the quarter ended June 30, 2024. For the six months ended June 30, 2025, annualized retail net charge-offs were 1.2%, compared to 1.0% for the six months ended June 30, 2024.

The Company had total available liquidity of $38.0 billion at June 30, 2025, consisting of $8.4 billion of cash and cash equivalents, $25.7 billion of borrowing capacity on unpledged eligible assets, $0.9 billion of borrowing capacity on committed unsecured lines of credit, $1.0 billion of borrowing capacity on the Junior Subordinated Revolving Credit Facility from GM, and $2.0 billion of borrowing capacity on the GM Revolving 364-Day Credit Facility.




About GM Financial

General Motors Financial Company, Inc. is the wholly owned captive finance subsidiary of General Motors Company and is headquartered in Fort Worth, Texas. Additional materials addressing the Company’s results of operations for the quarter ended June 30, 2025 can be accessed via the Investor Relations section of the Company’s website at https://investor.gmfinancial.com.




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General Motors Financial Company, Inc.
Condensed Consolidated Statements of Income
(Unaudited, in millions)

Three Months Ended June 30,Six Months Ended June 30,
2025202420252024
Revenue
Finance charge income
$2,048 $1,876 $4,073 $3,662 
Leased vehicle income
1,940 1,803 3,842 3,603 
Other income
267 239 503 464 
  Total revenue4,255 3,918 8,419 7,729 
Costs and expenses
Operating expenses
523 479 1,035 937 
Leased vehicle expenses
1,052 972 2,105 2,019 
Provision for loan losses
354 174 682 378 
Interest expense
1,638 1,485 3,235 2,881 
             Total costs and expenses3,567 3,109 7,058 6,215 
Equity income (loss)
16 14 28 45 
Income (loss) before income taxes
704 822 1,389 1,559 
Income tax expense (benefit)
194 212 379 412 
Net income (loss)
510 610 1,009 1,147 
Less: cumulative dividends on preferred stock
30 30 59 59 
Net income (loss) attributable to common shareholder
$480 $581 $950 $1,088 

Amounts may not add due to rounding.
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Condensed Consolidated Balance Sheets
(Unaudited, in millions)
 
June 30, 2025December 31, 2024
ASSETS
Cash and cash equivalents
$8,403 $5,094 
Finance receivables, net of allowance for loan losses of $2,720 and $2,458
91,840 93,510 
Leased vehicles, net
33,196 31,586 
Goodwill and intangible assets
1,176 1,169 
Equity in net assets of nonconsolidated affiliates
1,257 1,206 
Related party receivables
636 473 
Other assets
8,068 7,992 
Total assets
$144,576 $141,030 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Secured debt
$50,913 $49,573 
Unsecured debt
67,620 64,691 
Deferred income
2,496 2,389 
Related party payables
137 106 
Other liabilities
7,847 9,079 
Total liabilities
129,012 125,838 
Total shareholders' equity
15,564 15,193 
Total liabilities and shareholders' equity
$144,576 $141,030 

Amounts may not add due to rounding.
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Operational and Financial Data
(Unaudited, Dollars in millions)
Amounts may not add due to rounding


Three Months Ended June 30,Six Months Ended June 30,
Originations
2025202420252024
Retail finance receivables originations
$9,534 $8,623 $19,098 $16,952 
Lease originations
5,398 4,963 10,382 9,271 
Total originations$14,932 $13,586 $29,480 $26,223 


Three Months Ended June 30,Six Months Ended June 30,
Average Earning Assets
2025202420252024
Average retail finance receivables
$77,577 $73,553 $77,264 $73,199 
Average commercial finance receivables
16,628 15,858 17,392 15,003 
Average finance receivables
94,205 89,411 94,656 88,202 
Average leased vehicles, net
32,786 30,203 32,381 30,284 
Average earning assets
$126,990 $119,614 $127,038 $118,486 


Ending Earning Assets
June 30, 2025December 31, 2024
Retail finance receivables
$77,837 $76,066 
Commercial finance receivables
16,723 19,901 
Leased vehicles, net
33,196 31,586 
Ending earning assets
$127,756 $127,554 


Finance Receivables
June 30, 2025December 31, 2024
Retail
Retail finance receivables$77,837 $76,066 
Less: allowance for loan losses
(2,630)(2,400)
Total retail finance receivables, net
75,207 73,667 
Commercial
Commercial finance receivables16,723 19,901 
Less: allowance for loan losses
(91)(58)
Total commercial finance receivables, net
16,633 19,843 
Total finance receivables, net
$91,840 $93,510 
    



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Allowance for Loan Losses
June 30, 2025December 31, 2024
Allowance for loan losses as a percentage of retail finance receivables3.4 %3.2 %
Allowance for loan losses as a percentage of commercial finance receivables0.5 %0.3 %


Delinquencies
June 30, 2025June 30, 2024
Loan delinquency as a percentage of retail finance receivables:
    31 - 60 days
2.1 %2.1 %
    Greater than 60 days
0.8 0.7 
Total
2.9 %2.8 %


Three Months Ended June 30,Six Months Ended June 30,
Charge-offs and Recoveries
2025202420252024
Charge-offs
$488 $411 $967 $816 
Less: recoveries
(270)(222)(520)(434)
Net charge-offs
$217 $189 $446 $382 
Net charge-offs as an annualized percentage of average retail finance receivables1.1 %1.0 %1.2 %1.0 %


Three Months Ended June 30,Six Months Ended June 30,
Operating Expenses
2025202420252024
Operating expenses as an annualized percentage of average earning assets1.7 %1.6 %1.6 %1.6 %





Investor Relations contact:
Meagan Trampe
Vice President, Investor Relations
(817) 302-7385
Investors@gmfinancial.com













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