v3.26.1
Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Millions
 3 Months Ended 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
Income Statement [Abstract]        
Interest income $ 1,417 $ 1,339 $ 2,804 $ 2,648
Interest expense 326 317 649 629
Net interest income 1,091 1,022 2,155 2,019
Provision for finance receivable losses 610 511 1,074 967
Net interest income after provision for finance receivable losses 481 511 1,081 1,052
Other revenues:        
Insurance 112 111 224 220
Investment 25 24 48 50
Gain on sales of finance receivables 16 17 32 33
Net loss on repurchases and repayments of debt (1) (21) (4) (26)
Other 55 45 104 87
Total other revenues 207 176 404 364
Other expenses:        
Salaries and benefits 243 230 483 448
Other operating expenses 205 189 414 376
Insurance policy benefits and claims 44 54 96 103
Total other expenses 492 473 993 927
Income before income taxes 196 214 492 489
Income taxes 44 47 114 109
Net income $ 152 $ 167 $ 378 $ 380
Weighted average number of shares outstanding:        
Basic (in shares) 115,342,204 118,953,510 116,033,457 119,176,259
Diluted (in shares) 115,755,259 119,392,819 116,513,932 119,681,266
Earnings per share:        
Basic (in dollars per share) $ 1.32 $ 1.40 $ 3.26 $ 3.19
Diluted (in dollars per share) $ 1.32 $ 1.40 $ 3.25 $ 3.18