| Summary of geographic information |
| | | | | | | | | | | | | | | Three Months Ended | | Six Months Ended | | | June 30, | | June 30, | | | 2025 | | 2024 | | 2025 | | 2024 | Revenues | | | | | | | | | | | | | United States | | $ | 271,966 | | $ | 259,630 | | $ | 535,325 | | $ | 505,307 | Canada | | | 65,632 | | | 63,920 | | | 128,860 | | | 124,764 | Eliminations | | | (5,509) | | | (187) | | | (8,003) | | | (402) | Total | | $ | 332,089 | | $ | 323,363 | | $ | 656,182 | | $ | 629,669 | Interest expense | | | | | | | | | | | | | United States | | $ | 138,783 | | $ | 143,975 | | $ | 277,455 | | $ | 281,059 | Canada | | | 32,110 | | | 32,076 | | | 62,584 | | | 62,634 | Eliminations | | | (5,509) | | | (187) | | | (8,003) | | | (402) | Total | | $ | 165,384 | | $ | 175,864 | | $ | 332,036 | | $ | 343,291 | Net income | | | | | | | | | | | | | United States | | $ | 48,261 | | $ | 46,174 | | $ | 92,297 | | $ | 89,792 | Canada | | | 12,666 | | | 12,664 | | | 25,252 | | | 23,519 | Total | | $ | 60,927 | | $ | 58,838 | | $ | 117,549 | | $ | 113,311 | Depreciation and amortization | | | | | | | | | | | | | United States | | $ | 34,886 | | $ | 31,230 | | $ | 68,482 | | $ | 61,412 | Canada | | | 14,223 | | | 13,778 | | | 27,658 | | | 27,469 | Total | | $ | 49,109 | | $ | 45,008 | | $ | 96,140 | | $ | 88,881 | Expenditures for equipment on operating leases | | | | | | | | | | | | | United States | | $ | 115,772 | | $ | 58,338 | | $ | 247,121 | | $ | 138,260 | Canada | | | 46,529 | | | 41,868 | | | 72,672 | | | 64,130 | Total | | $ | 162,301 | | $ | 100,206 | | $ | 319,793 | | $ | 202,390 | Provision for credit losses | | | | | | | | | | | | | United States | | $ | 21,343 | | $ | 10,976 | | $ | 38,406 | | $ | 20,993 | Canada | | | 3,101 | | | 795 | | | 3,134 | | | 1,290 | Total | | $ | 24,444 | | $ | 11,771 | | $ | 41,540 | | $ | 22,283 |
| | | | | | | | | As of | | As of | | | June 30, | | December 31, | | | 2025 | | 2024 | Total assets | | | | | | | United States | | $ | 12,979,920 | | $ | 13,987,559 | Canada | | | 3,549,906 | | | 3,180,759 | Eliminations | | | (74,956) | | | (241,410) | Total | | $ | 16,454,870 | | $ | 16,926,908 | Gross receivables | | | | | | | United States | | $ | 11,370,601 | | $ | 11,559,317 | Canada | | | 2,771,200 | | | 2,563,222 | Total | | $ | 14,141,801 | | $ | 14,122,539 |
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