v3.26.3
Finance Receivables (Tables)
 9 Months Ended
Sep. 30, 2026
Receivables [Abstract]  
Schedule of Components of Net Finance Receivables by Type
Components of our net finance receivables were as follows:
Consumer Loans
(dollars in millions)Personal Loans
Auto Finance
Total Consumer Loans
Credit CardsTotal
September 30, 2026
Gross finance receivables *$21,735 $2,765 $24,500 $1,363 $25,863 
Unearned fees
(275)(39)(314)— (314)
Accrued finance charges and fees379 31 410 — 410 
Deferred origination costs240 54 294 20 314 
Total$22,079 $2,811 $24,890 $1,383 $26,273 
December 31, 2025
Gross finance receivables *$21,086 $2,438 $23,524 $925 $24,449 
Unearned fees
(258)(42)(300)— (300)
Accrued finance charges and fees382 28 410 — 410 
Deferred origination costs220 43 263 11 274 
Total$21,430 $2,467 $23,897 $936 $24,833 
* Consumer loan gross finance receivables equal the unpaid principal balance net of unamortized discount or premium. For precompute personal loans, unpaid principal balance is the gross contractual payments less the unaccreted balance of unearned finance charges. Credit card gross finance receivables equal the unpaid principal balance, interest, and fees.
Schedule of Information Regarding Credit Quality Indicators
The following table below is a summary of finance charges on our consumer loans:
Three Months Ended September 30,
20262025
(dollars in millions)Personal Loans
Auto
Finance
Personal Loans
Auto
Finance
Net accrued finance charges reversed
$45 $4 $42 $3 
Finance charges recognized from the contractual interest portion of payments received on nonaccrual loans
5—5—
Nine Months Ended September 30,
20262025
(dollars in millions)Personal Loans
Auto
Finance
Personal Loans
Auto
Finance
Net accrued finance charges reversed
$132 $10 $120 $8 
Finance charges recognized from the contractual interest portion of payments received on nonaccrual loans
171151
Net accrued finance charges and fees reversed on credit cards were as follows:
Three Months Ended
September 30,		Nine Months Ended
September 30,
(dollars in millions)
2026202520262025
Net accrued finance charges and fees reversed$21 $17 $67 $51 
Schedule of Net Finance Receivables by Type and by Days Delinquent
The following tables below are a summary of our personal loans by the year of origination and number of days delinquent:

(dollars in millions)20262025202420232022PriorTotal
September 30, 2026
Performing
Current$8,812 $6,329 $3,256 $1,540 $701 $275 $20,913 
30-59 days past due62 132 89 57 38 23 401 
60-89 days past due31 84 54 35 21 13 238 
Total performing8,905 6,545 3,399 1,632 760 311 21,552 
Nonperforming (Nonaccrual)
90+ days past due38 192 130 83 53 31 527 
Total$8,943 $6,737 $3,529 $1,715 $813 $342 $22,079 
Gross charge-offs *
$17 $440 $475 $318 $181 $101 $1,532 
* Represents gross charge-offs for the nine months ended September 30, 2026.
(dollars in millions)20252024202320222021PriorTotal
December 31, 2025
Performing
Current$10,149 $5,335 $2,759 $1,372 $439 $146 $20,200 
30-59 days past due101 120 85 60 29 12 407 
60-89 days past due63 82 53 36 17 7 258 
Total performing10,313 5,537 2,897 1,468 485 165 20,865 
Nonperforming (Nonaccrual)
90+ days past due99 191 135 86 38 16 565 
Total$10,412 $5,728 $3,032 $1,554 $523 $181 $21,430 
Gross charge-offs *
$15 $363 $469 $337 $152 $62 $1,398 
* Represents gross charge-offs for the nine months ended September 30, 2025.

The following tables below are a summary of our auto finance loans by the year of origination and number of days delinquent:

(dollars in millions)20262025202420232022PriorTotal
September 30, 2026
Performing
Current$1,048 $801 $470 $215 $88 $25 $2,647 
30-59 days past due21 36 24 12 6 3 102 
60-89 days past due6 9 6 3 1 1 26 
Total performing1,075 846 500 230 95 29 2,775 
Nonperforming (Nonaccrual)
90+ days past due5 14 9 4 3 1 36 
Total$1,080 $860 $509 $234 $98 $30 $2,811 
Gross charge-offs *
$6 $44 $40 $22 $12 $4 $128 
* Represents gross charge-offs for the nine months ended September 30, 2026.

(dollars in millions)20252024202320222021PriorTotal
December 31, 2025
Performing
Current$1,095 $667 $329 $152 $48 $9 $2,300 
30-59 days past due34 34 21 13 6 1 109 
60-89 days past due8 10 5 3 1 — 27 
Total performing1,137 711 355 168 55 10 2,436 
Nonperforming (Nonaccrual)
90+ days past due8 12 6 3 2 — 31 
Total$1,145 $723 $361 $171 $57 $10 $2,467 
Gross charge-offs *
$5 $36 $30 $21 $7 $2 $101 
* Represents gross charge-offs for the nine months ended September 30, 2025.
The following is a summary of credit cards by number of days delinquent:
(dollars in millions)September 30, 2026December 31, 2025
Current
$1,237 $820 
30-59 days past due
38 26 
60-89 days past due
32 24 
90+ days past due
76 66 
Total
$1,383 $936 
Schedule of Information Regarding Modified Finance Receivables
The period-end carrying value of net finance receivables modified during the period was as follows:
Three Months Ended September 30,
20262025
(dollars in millions)Personal Loans
Auto
 Finance
Personal Loans
Auto
 Finance
Interest rate reduction and term extension$96$13$89 $9
Interest rate reduction and principal forgiveness1201116 1
Total modifications to borrowers experiencing financial difficulties$216$14$205 $10
Modifications as a percent of net finance receivables by class
0.98 %0.47 %0.96 %0.40 %
Nine Months Ended September 30,
20262025
(dollars in millions)Personal Loans
Auto
 Finance
Personal Loans
Auto
 Finance
Interest rate reduction and term extension$278$28$248$19
Interest rate reduction and principal forgiveness27423171
Total modifications to borrowers experiencing financial difficulties$552$30$565$20
Modifications as a percent of net finance receivables by class
2.50 %1.06 %2.66 %0.85 %
The financial effect of modifications made during the period was as follows:
Three Months Ended September 30,
20262025
(dollars in millions)Personal Loans
Auto
Finance
Personal Loans
Auto
Finance
Net finance receivables
Weighted-average interest rate reduction22.07 %13.17 %19.35 %12.24 %
Weighted-average term extension (months)29152313
Principal/interest forgiveness$12$—$11 $—
Nine Months Ended September 30,
20262025
(dollars in millions)Personal Loans
Auto
Finance
Personal Loans
Auto
Finance
Net finance receivables
Weighted-average interest rate reduction21.55 %13.61 %17.95 %12.79 %
Weighted-average term extension (months)29172415
Principal/interest forgiveness$31$1$28 $1

The performance of finance receivables modified within the previous 12 months by delinquency status was as follows:
September 30, 2026 (a)September 30, 2025 (b)
(dollars in millions)Personal Loans
Auto
Finance
Personal Loans
Auto
Finance
Current
$520 $26 $507 $18 
30-59 days past due
53 4 60 3 
60-89 days past due36 2 45 2 
90+ days past due
80 3 87 2 
Total
$689 $35 $699 $25 
(a) Excludes $65 million of personal loan receivables that were modified and subsequently charged off within the previous 12 months. Auto finance receivables that were modified and subsequently charged off within the previous 12 months were immaterial.
(b) Excludes $86 million of personal loan receivables that were modified and subsequently charged off within the previous 12 months. Auto finance receivables that were modified and subsequently charged off within the previous 12 months were immaterial.
The period-end carrying value of finance receivables that defaulted during the period to cause the receivable to be considered nonperforming (90 days or more contractually past due) and had been modified within the 12 months preceding the default was as follows:
Three Months Ended September 30,
20262025
(dollars in millions)
Personal
Loans
Auto
 Finance
Personal Loans
Auto
 Finance
Interest rate reduction and term extension$37 $2 $37 $2 
Interest rate reduction and principal forgiveness16 — 20 — 
Total
$53 $2 $57 $2 
Nine Months Ended September 30,
20262025
(dollars in millions)
Personal
Loans
Auto
 Finance
Personal Loans
Auto
 Finance
Interest rate reduction and term extension$55 $4 $55 $2 
Interest rate reduction and principal forgiveness23 — 26 — 
Total
$78 $4 $81 $2