Exhibit 99.1
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GM FINANCIAL REPORTS THIRD QUARTER 2025
OPERATING RESULTS

•Third quarter net income of $589 million
•Third quarter retail loan and operating lease originations of $13.8 billion
•Earning assets of $126.5 billion at September 30, 2025
•Available liquidity of $37.2 billion at September 30, 2025

FORT WORTH, TEXAS October 21, 2025 – GENERAL MOTORS FINANCIAL COMPANY, INC.
(“GM Financial” or the “Company”) announced net income of $589 million for the quarter ended September 30, 2025, compared to $499 million for the quarter ended September 30, 2024. Net income was $1.6 billion for both the nine months ended September 30, 2025 and September 30, 2024.

Retail loan originations were $8.8 billion for the quarter ended September 30, 2025, compared to $9.5 billion for the quarter ended June 30, 2025, and $9.4 billion for the quarter ended September 30, 2024. Retail loan originations for the nine months ended September 30, 2025 were $27.9 billion, compared to $26.3 billion for the nine months ended September 30, 2024. The outstanding balance of retail finance receivables was $75.9 billion at September 30, 2025, compared to $77.8 billion at June 30, 2025 and $74.4 billion at September 30, 2024.

Operating lease originations were $5.0 billion for the quarter ended September 30, 2025, compared to $5.4 billion for the quarter ended June 30, 2025 and $4.9 billion for the quarter ended September 30, 2024. Operating lease originations for the nine months ended September 30, 2025 were $15.3 billion, compared to $14.1 billion for the nine months ended September 30, 2024. Leased vehicles, net was $33.6 billion at September 30, 2025, compared to $33.2 billion at June 30, 2025 and $31.0 billion at September 30, 2024.

The outstanding balance of commercial finance receivables was $17.1 billion at September 30, 2025, compared to $16.7 billion at June 30, 2025 and $19.0 billion at September 30, 2024.

Retail finance receivables 31-60 days delinquent were 2.3% of the portfolio at both September 30, 2025 and September 30, 2024. Accounts more than 60 days delinquent were 0.9% of the portfolio at September 30, 2025 and 0.8% at September 30, 2024.

Annualized net charge-offs were 1.2% of average retail finance receivables for both the quarters ended September 30, 2025 and September 30, 2024. For the nine months ended September 30, 2025, annualized retail net charge-offs were 1.2%, compared to 1.1% for the nine months ended September 30, 2024.

The Company had total available liquidity of $37.2 billion at September 30, 2025, consisting of $7.8 billion of cash and cash equivalents, $25.4 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 September 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 September 30,Nine Months Ended September 30,
2025202420252024
Revenue
Finance charge income
$2,060 $1,965 $6,132 $5,627 
Leased vehicle income
1,968 1,828 5,810 5,431 
Other income
309 238 813 702 
  Total revenue4,337 4,031 12,755 11,760 
Costs and expenses
Operating expenses
545 478 1,581 1,416 
Leased vehicle expenses
1,101 1,027 3,206 3,046 
Provision for loan losses
244 298 926 676 
Interest expense
1,651 1,550 4,886 4,431 
             Total costs and expenses3,542 3,354 10,599 9,569 
Equity income (loss)
9 10 37 55 
Income (loss) before income taxes
804 687 2,193 2,246 
Income tax expense (benefit)
215 189 594 601 
Net income (loss)
589 499 1,598 1,646 
Less: cumulative dividends on preferred stock
30 30 89 89 
Net income (loss) attributable to common shareholder
$560 $469 $1,510 $1,557 

Amounts may not add due to rounding.
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Condensed Consolidated Balance Sheets
(Unaudited, in millions)
 
September 30, 2025December 31, 2024
ASSETS
Cash and cash equivalents
$7,820 $5,094 
Finance receivables, net of allowance for loan losses of $2,736 and $2,458
90,202 93,510 
Leased vehicles, net
33,609 31,586 
Goodwill and intangible assets
1,178 1,169 
Equity in net assets of nonconsolidated affiliates
1,095 1,206 
Related party receivables
613 473 
Other assets
8,164 7,992 
Total assets
$142,680 $141,030 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Secured debt
$49,394 $49,573 
Unsecured debt
66,994 64,691 
Deferred income
2,535 2,389 
Related party payables
317 106 
Other liabilities
7,635 9,079 
Total liabilities
126,876 125,838 
Total shareholders' equity
15,804 15,193 
Total liabilities and shareholders' equity
$142,680 $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 September 30,Nine Months Ended September 30,
Originations
2025202420252024
Retail finance receivables originations
$8,812 $9,371 $27,910 $26,323 
Lease originations
4,956 4,874 15,338 14,146 
Total originations$13,768 $14,245 $43,248 $40,469 


Three Months Ended September 30,Nine Months Ended September 30,
Average Earning Assets
2025202420252024
Average retail finance receivables
$76,799 $73,944 $77,098 $73,455 
Average commercial finance receivables
16,589 17,449 17,138 15,770 
Average finance receivables
93,388 91,393 94,236 89,225 
Average leased vehicles, net
33,377 30,624 32,698 30,414 
Average earning assets
$126,765 $122,017 $126,934 $119,638 


Ending Earning Assets
September 30, 2025December 31, 2024
Retail finance receivables
$75,857 $76,066 
Commercial finance receivables
17,081 19,901 
Leased vehicles, net
33,609 31,586 
Ending earning assets
$126,547 $127,554 


Finance Receivables
September 30, 2025December 31, 2024
Retail
Retail finance receivables$75,857 $76,066 
Less: allowance for loan losses
(2,651)(2,400)
Total retail finance receivables, net
73,206 73,667 
Commercial
Commercial finance receivables17,081 19,901 
Less: allowance for loan losses
(85)(58)
Total commercial finance receivables, net
16,996 19,843 
Total finance receivables, net
$90,202 $93,510 
    



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


Delinquencies
September 30, 2025September 30, 2024
Loan delinquency as a percentage of retail finance receivables:
    31 - 60 days
2.3 %2.3 %
    Greater than 60 days
0.9 0.8 
Total
3.2 %3.1 %


Three Months Ended September 30,Nine Months Ended September 30,
Charge-offs and Recoveries
2025202420252024
Charge-offs
$494 $439 $1,461 $1,255 
Less: recoveries
(257)(217)(778)(652)
Net charge-offs
$237 $222 $683 $604 
Net charge-offs as an annualized percentage of average retail finance receivables1.2 %1.2 %1.2 %1.1 %


Three Months Ended September 30,Nine Months Ended September 30,
Operating Expenses
2025202420252024
Operating expenses as an annualized percentage of average earning assets1.7 %1.6 %1.7 %1.6 %





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













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