| Segment Reporting |
Segment Reporting We analyze the results of our business through the following reportable segments: North America and International. Our chief operating decision-maker, the President and Chief Executive Officer, evaluates the results of operations through reportable segment income before income taxes. This financial metric is used to review operating trends, perform analytical comparisons between periods and among geographic regions, and to monitor budget-to-actual variances on a monthly basis in order to assess performance and allocate resources. Our North America Segment includes operations in the U.S. and Canada. Our International Segment includes operations in Brazil, Chile, Colombia, Mexico and Peru, as well as our equity investments in joint ventures in China. The management of each segment is responsible for executing our strategies. The following tables present certain income statement information by segment:
| | | | | | | | | | | | | | | | | | | Three Months Ended September 30, 2026 | | North America | | International | | Total | | Revenue from reportable segments | $ | 3,759 | | | $ | 515 | | | $ | 4,273 | | Reconciliation of revenue | | | | | | Other revenue(a) | | 38 | | Total revenue | | $ | 4,312 | | Costs and expenses(b) | | | | | | | Salaries and benefits | 269 | | | 46 | | | | | Leased vehicle depreciation | 1,207 | | | 28 | | | | (Gain) loss on termination of leased vehicles | (142) | | | 5 | | | | | Provision for loan losses | 260 | | | 80 | | | | | Interest expense | 1,336 | | | 222 | | | | | GM Protection claims losses | 23 | | | — | | | | Other segment items(c) | 174 | | | 75 | | | | Equity income | — | | | 8 | | | | Reportable segment income before income taxes | $ | 632 | | | $ | 68 | | | $ | 699 | | Reconciliation to income before income taxes | | | | | | Other loss(d) | | (31) | | Income before income taxes | | $ | 668 | |
| | | | | | | | | | | | | | | | | | | Three Months Ended September 30, 2025 | | North America | | International | | Total | | Revenue from reportable segments | $ | 3,901 | | | $ | 421 | | | $ | 4,322 | | Reconciliation of revenue | | | | | | Other revenue(a) | | 14 | | Total revenue | | $ | 4,337 | | Costs and expenses(b) | | | | | | | Salaries and benefits | 258 | | | 40 | | | | | Leased vehicle depreciation | 1,216 | | | 22 | | | | (Gain) loss on termination of leased vehicles | (148) | | | 2 | | | | | Provision for loan losses | 202 | | | 42 | | | | | Interest expense | 1,464 | | | 187 | | | | | GM Protection claims losses | 17 | | | — | | | | Other segment items(c) | 140 | | | 67 | | | | Equity income | — | | | 9 | | | | Reportable segment income before income taxes | $ | 753 | | | $ | 71 | | | $ | 824 | | Reconciliation to income before income taxes | | | | | | Other loss(d) | | (20) | | Income before income taxes | | $ | 804 | |
| | | | | | | | | | | | | | | | | | | Nine Months Ended September 30, 2026 | | North America | | International | | Total | | Revenue from reportable segments | $ | 11,256 | | | $ | 1,505 | | | $ | 12,761 | | Reconciliation of revenue | | | | | | Other revenue(a) | | 93 | | Total revenue | | $ | 12,854 | | Costs and expenses(b) | | | | | | | Salaries and benefits | 801 | | | 134 | | | | | Leased vehicle depreciation | 3,802 | | | 81 | | | | (Gain) loss on termination of leased vehicles | (475) | | | 12 | | | | | Provision for loan losses | 804 | | | 192 | | | | | Interest expense | 4,011 | | | 627 | | | | | GM Protection claims losses | 61 | | | — | | | | Other segment items(c) | 484 | | | 224 | | | | Equity income | — | | | 35 | | | | Reportable segment income before income taxes | $ | 1,769 | | | $ | 271 | | | $ | 2,039 | | Reconciliation to income before income taxes | | | | | | Other loss(d) | | (77) | | Income before income taxes | | $ | 1,962 | |
| | | | | | | | | | | | | | | | | | | Nine Months Ended September 30, 2025 | | North America | | International | | Total | | Revenue from reportable segments | $ | 11,531 | | | $ | 1,189 | | | $ | 12,720 | | Reconciliation of revenue | | | | | | Other revenue(a) | | 35 | | Total revenue | | $ | 12,755 | | Costs and expenses(b) | | | | | | | Salaries and benefits | 781 | | | 116 | | | | | Leased vehicle depreciation | 3,616 | | | 60 | | | | | (Gain) loss on termination of leased vehicles | (495) | | | 2 | | | | | Provision for loan losses | 808 | | | 118 | | | | | Interest expense | 4,350 | | | 536 | | | | | GM Protection claims losses | 39 | | | — | | | | Other segment items(c) | 413 | | | 168 | | | | | Equity income | — | | | 37 | | | | | Reportable segment income before income taxes | $ | 2,018 | | | $ | 227 | | | $ | 2,244 | | Reconciliation to income before income taxes | | | | | | Other loss(d) | | (52) | | Income before income taxes | | $ | 2,193 | |
________________ (a)Revenue from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments. (b)The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision-maker. (c)Other segment items for each reportable segment primarily include professional fees, supplies and equipment, occupancy costs, depreciation and amortization, and commission expense. (d)Income/loss from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments. The following table presents certain balance sheet information by segment: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | September 30, 2026 | | December 31, 2025 | | North America | | International | | Total | | North America | | International | | Total | | Finance receivables, net | $ | 83,094 | | | $ | 8,686 | | | $ | 91,780 | | | $ | 82,219 | | | $ | 7,826 | | | $ | 90,045 | | | Leased vehicles, net | $ | 31,653 | | | $ | 591 | | | $ | 32,244 | | | $ | 33,158 | | | $ | 529 | | | $ | 33,686 | | | Assets from reportable segments | $ | 129,268 | | | $ | 11,637 | | | $ | 140,906 | | | $ | 129,261 | | | $ | 11,010 | | | $ | 140,272 | | Other assets(a) | | 236 | | | . | | 205 | | | Total assets | | $ | 141,141 | | | . | | $ | 140,477 | |
_________________ (a)Assets from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.
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