v3.26.3
SEGMENT INFORMATION (Tables)
 9 Months Ended
Sep. 30, 2026
Segment Reporting [Abstract]  
Schedule of Segment Reporting Information
Key operating data for our business segments for the periods ended or at September 30 was as follows (in millions):
United States and CanadaEuropeAll OtherTotal
Segments		Unallocated Other Total
Third Quarter 2025
Total revenue$3,077 $402 $92 $3,571 $— $3,571 
Total revenue less:
Depreciation on vehicles subject to operating leases
611 15 — 626 — 626 
Interest expense1,473 204 49 1,726 76 1,802 
Provision for credit losses111 13 11 135 — 135 
Other segment items (a)284 172 16 472 (95)377 
Income before income taxes $598 $(2)$16 $612 $19 $631 
Third Quarter 2026
Total revenue$3,145 $407 $78 $3,630 $— $3,630 
Total revenue less:
Depreciation on vehicles subject to operating leases
717 21 — 738 — 738 
Interest expense1,441 179 43 1,663 78 1,741 
Provision for credit losses114 53 6 173 — 173 
Other segment items (a)303 73 18 394 (219)175 
Income before income taxes $570 $81 $11 $662 $141 $803 
First Nine Months 2025
Total revenue$9,040 $1,152 $285 $10,477 $— $10,477 
Total revenue less:
Depreciation on vehicles subject to operating leases
1,802 32 — 1,834 — 1,834 
Interest expense4,430 594 153 5,177 174 5,351 
Provision for credit losses311 37 41 389 — 389 
Other segment items (a)884 410 55 1,349 (302)1,047 
Income before income taxes$1,613 $79 $36 $1,728 $128 $1,856 
Other segment disclosures:
Net finance receivables and net investment in operating leases$119,452 $22,643 $3,597 $145,692 $— $145,692 
Total assets131,212 26,099 4,023 161,334 — 161,334 
First Nine Months 2026
Total revenue$9,339 $1,205 $249 $10,793 $— $10,793 
Total revenue less:
Depreciation on vehicles subject to operating leases2,065 58 — 2,123 — 2,123 
Interest expense4,293 540 132 4,965 188 5,153 
Provision for credit losses300 166 29 495 — 495 
Other segment items (a)881 221 46 1,148 (469)679 
Income before income taxes$1,800 $220 $42 $2,062 $281 $2,343 
Other segment disclosures:
Net finance receivables and net investment in operating leases$121,997 $21,102 $3,039 $146,138 $— $146,138 
Total assets134,007 24,103 3,452 161,562 — 161,562 
__________
(a)Other items consists of Operating expenses, Insurance expenses, and Other income/(loss), net.