v3.26.1
Condensed Consolidated Statement of Comprehensive Income (unaudited) - USD ($)
shares in Thousands, $ in Millions
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Financing revenue and other interest income        
Interest and fees on finance receivables and loans $ 2,741 $ 2,624 $ 5,399 $ 5,333
Interest on loans held-for-sale 12 6 21 11
Interest and dividends on investment securities and other earning assets 242 248 476 478
Interest on cash and cash equivalents 80 95 161 193
Operating leases 390 352 782 703
Total financing revenue and other interest income 3,465 3,325 6,839 6,718
Interest expense        
Interest on deposits 1,200 1,329 2,433 2,732
Interest on short-term borrowings 42 5 61 6
Interest on long-term debt 266 258 531 529
Interest on other 4 1 4 1
Total interest expense 1,512 1,593 3,029 3,268
Net depreciation expense on operating lease assets 269 216 537 456
Net financing revenue and other interest income 1,684 1,516 3,273 2,994
Other revenue        
Insurance premiums and service revenue earned 368 359 728 723
Loss on mortgage and automotive loans, net (6) (4) (9) (3)
Loss on extinguishment of debt (2) 0 (2) 0
Other gain (loss) on investments, net 76 61 55 (438)
Other income, net of losses 166 150 343 347
Total other revenue 602 566 1,115 629
Total net revenue 2,286 2,082 4,388 3,623
Provision for credit losses 430 384 897 575
Noninterest expense        
Compensation and benefits expense 458 430 949 935
Insurance losses and loss adjustment expenses 208 203 329 364
Goodwill impairment 0 0 0 305
Other operating expenses 653 629 1,276 1,292
Total noninterest expense 1,319 1,262 2,554 2,896
Income from continuing operations before income tax expense 537 436 937 152
Income tax expense from continuing operations 127 84 208 25
Net income from continuing operations 410 352 729 127
Net income 410 352 729 127
Other comprehensive income, net of tax 62 43 75 705
Comprehensive income 472 395 804 832
Net income from continuing operations attributable to common shareholders [1] 367 324 658 71
Net income attributable to common shareholders [1] $ 367 $ 324 $ 658 $ 71
Basic weighted-average common shares outstanding (in shares) [1],[2] 308,362 309,895 309,669 309,453
Diluted weighted-average common shares outstanding (in shares) [1],[2] 311,035 312,434 312,120 312,033
Basic earnings per common share        
Net income from continuing operations (in dollars per share) [1] $ 1.19 $ 1.05 $ 2.13 $ 0.23
Net income (in dollars per share) [1] 1.19 1.05 2.13 0.23
Diluted earnings per common share        
Net income from continuing operations (in dollars per share) [1] 1.18 1.04 2.11 0.23
Net income (in dollars per share) [1] 1.18 1.04 2.11 0.23
Cash dividends declared per common share (in dollars per share) [1] $ 0.30 $ 0.30 $ 0.60 $ 0.60
[1] Figures in the table may not recalculate exactly due to rounding. Earnings per share is calculated based on unrounded numbers.
[2]
(b)Includes shares related to share-based compensation that vested but were not yet issued.