v3.25.2
Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Millions
 3 Months Ended 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Income Statement [Abstract]        
Interest income $ 1,339 $ 1,219 $ 2,648 $ 2,392
Interest expense 317 297 629 574
Net interest income 1,022 922 2,019 1,818
Provision for finance receivable losses 511 575 967 1,006
Net interest income after provision for finance receivable losses 511 347 1,052 812
Other revenues:        
Insurance 111 111 220 223
Investment 24 30 50 63
Gain on sales of finance receivables 17 6 33 12
Net loss on repurchases and repayments of debt (21) (12) (26) (14)
Other 45 39 87 70
Total other revenues 176 174 364 354
Other expenses:        
Salaries and benefits 230 206 448 430
Other operating expenses 189 176 376 343
Insurance policy benefits and claims 54 47 103 97
Total other expenses 473 429 927 870
Income before income taxes 214 92 489 296
Income taxes 47 21 109 71
Net income $ 167 $ 71 $ 380 $ 225
Weighted average number of shares outstanding:        
Basic (in shares) 118,953,510 119,787,550 119,176,259 119,808,362
Diluted (in shares) 119,392,819 120,185,181 119,681,266 120,214,925
Earnings per share:        
Basic (in dollars per share) $ 1.40 $ 0.59 $ 3.19 $ 1.88
Diluted (in dollars per share) $ 1.40 $ 0.59 $ 3.18 $ 1.87