
	United States		Canada		Total

	(U.S. dollars in millions)
Three months ended December 31, 2025
Revenues:
Retail	$	706	$	82	$	788
Dealer	65		4		69
Operating leases	1,614		198		1,812
Total revenues	2,385		284		2,669
Leased vehicle expenses	1,077		141		1,218
Interest expense	640		52		692
Realized (gains)/losses on derivatives and foreign currency denominated debt	78		8		86
Net revenues	590		83		673
Other income, net	37		5		42
Total net revenues	627		88		715
Expenses:
General and administrative expenses	136		14		150
Provision for credit losses	123		3		126
Early termination loss on operating leases	137		1		138
Income before income taxes and valuation adjustments	$	231	$	70	$	301
Reconciliation to consolidated income before income taxes:
Gain/(loss) on derivative instruments					(46)
Gain/(loss) on foreign currency revaluation of debt					(23)
Less: Realized (gains)/losses included in segment profit					86
Consolidated income before income taxes					$	318
Income tax expense	$	(19)	$	21	$	2


	United States		Canada		Total

	(U.S. dollars in millions)

Nine months ended December 31, 2025
Revenues:
Retail	$	2,094	$	242	$	2,336
Dealer	195		14		209
Operating leases	4,776		606		5,382
Total revenues	7,065		862		7,927
Leased vehicle expenses	3,172		435		3,607
Interest expense	1,909		163		2,072
Realized (gains)/losses on derivatives and foreign currency denominated debt	213		20		233
Net revenues	1,771		244		2,015
Other income, net	118		16		134
Total net revenues	1,889		260		2,149
Expenses:
General and administrative expenses	468		42		510
Provision for credit losses	292		23		315
Early termination loss on operating leases	263		2		265
Income before income taxes and valuation adjustments	$	866	$	193	$	1,059
Reconciliation to consolidated income before income taxes:
Gain/(loss) on derivative instruments					559
Gain/(loss) on foreign currency revaluation of debt					(675)
Less: Realized (gains)/losses included in segment profit					233
Consolidated income before income taxes					$	1,176
Income tax expense	$	157	$	57	$	214

December 31, 2025
Finance receivables, net	$	48,789	$	5,425	$	54,214
Investment in operating leases, net	28,995		3,463		32,458
Total assets	82,896		9,275		92,171


	United States		Canada		Total

	(U.S. dollars in millions)
Three months ended December 31, 2024
Revenues:
Retail	$	642	$	71	$	713
Dealer	68		6		74
Operating leases	1,424		201		1,625
Total revenues	2,134		278		2,412
Leased vehicle expenses	956		149		1,105
Interest expense	573		59		632
Realized (gains)/losses on derivatives and foreign currency denominated debt	34		(1)		33
Net revenues	571		71		642
Other income, net	33		4		37
Total net revenues	604		75		679
Expenses:
General and administrative expenses	138		14		152
Provision for credit losses	67		3		70
Early termination loss on operating leases	39		1		40
Income before income taxes and valuation adjustments	$	360	$	57	$	417
Reconciliation to consolidated income before income taxes:
Gain/(loss) on derivative instruments					(551)
Gain/(loss) on foreign currency revaluation of debt					489
Less: Realized (gains)/losses included in segment profit					33
Consolidated income before income taxes					388
Income tax expense	$	84	$	11	$	95


	United States		Canada		Total

	(U.S. dollars in millions)
Nine months ended December 31, 2024
Revenues:
Retail	$	1,823	$	204	$	2,027
Dealer	203		19		222
Operating leases	4,129		622		4,751
Total revenues	6,155		845		7,000
Leased vehicle expenses	2,779		465		3,244
Interest expense	1,615		184		1,799
Realized (gains)/losses on derivatives and foreign currency denominated debt	94		(16)		78
Net revenues	1,667		212		1,879
Other income, net	105		12		117
Total net revenues	1,772		224		1,996
Expenses:
General and administrative expenses	386		42		428
Provision for credit losses	218		10		228
Early termination loss on operating leases	94		1		95
Income before income taxes and valuation adjustments	$	1,074	$	171	$	1,245
Reconciliation to consolidated income before income taxes:
Gain/(loss) on derivative instruments					(351)
Gain/(loss) on foreign currency revaluation of debt					230
Less: Realized (gains)/losses included in segment profit					78
Consolidated income before income taxes					$	1,202
Income tax expense	$	288	$	38	$	326

December 31, 2024
Finance receivables, net	$	47,061	$	4,905	$	51,966
Investment in operating leases, net	26,294		3,304		29,598
Total assets	76,691		8,495		85,186