v3.26.3
Segment Reporting (Tables)
 9 Months Ended
Sep. 30, 2026
Segment Reporting [Abstract]  
Segment Reporting
The following tables present certain income statement information by segment:

Three Months Ended September 30, 2026
North AmericaInternationalTotal
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 benefits269 46 
Leased vehicle depreciation1,207 28 
(Gain) loss on termination of leased vehicles
(142)5 
Provision for loan losses260 80 
Interest expense1,336 222 
GM Protection claims losses23 — 
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 AmericaInternationalTotal
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 benefits258 40 
Leased vehicle depreciation1,216 22 
(Gain) loss on termination of leased vehicles
(148)2 
Provision for loan losses202 42 
Interest expense1,464 187 
GM Protection claims losses17 — 
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 AmericaInternationalTotal
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 benefits801 134 
Leased vehicle depreciation3,802 81 
(Gain) loss on termination of leased vehicles
(475)12 
Provision for loan losses804 192 
Interest expense4,011 627 
GM Protection claims losses61 — 
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 AmericaInternationalTotal
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 benefits781 116 
Leased vehicle depreciation3,616 60 
(Gain) loss on termination of leased vehicles(495)2 
Provision for loan losses808 118 
Interest expense4,350 536 
GM Protection claims losses39 — 
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, 2026December 31, 2025
North AmericaInternationalTotalNorth AmericaInternationalTotal
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.