v3.26.3
Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Income Statement [Abstract]        
Interest income $ 1,491 $ 1,392 $ 4,294 $ 4,039
Interest expense 345 320 993 949
Net interest income 1,146 1,072 3,301 3,090
Provision for finance receivable losses 615 488 1,689 1,454
Net interest income after provision for finance receivable losses 531 584 1,612 1,636
Other revenues:        
Insurance 113 112 337 332
Investment 24 26 72 76
Gain on sales of finance receivables 16 17 49 50
Net loss on repurchases and repayments of debt 0 (39) (5) (65)
Other 59 47 163 133
Total other revenues 212 163 616 526
Other expenses:        
Salaries and benefits 244 234 727 683
Other operating expenses 213 202 628 577
Insurance policy benefits and claims 53 48 148 150
Total other expenses 510 484 1,503 1,410
Income before income taxes 233 263 725 752
Income taxes 48 64 162 173
Net income $ 185 $ 199 $ 563 $ 579
Weighted average number of shares outstanding:        
Basic (in shares) 114,864,912 118,759,941 115,643,942 119,037,486
Diluted (in shares) 115,483,795 119,420,044 116,170,553 119,594,192
Earnings per share:        
Basic (in dollars per share) $ 1.61 $ 1.67 $ 4.87 $ 4.86
Diluted (in dollars per share) $ 1.60 $ 1.67 $ 4.85 $ 4.84