v3.26.3
Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
Sep. 30, 2026
Sep. 30, 2025
Cash flows from operating activities        
Net income $ 185 $ 199 $ 563 $ 579
Reconciling adjustments:        
Provision for finance receivable losses 615 488 1,689 1,454
Depreciation and amortization     228 214
Deferred income tax charge (benefit)     (23) 10
Net loss on repurchases and repayments of debt 0 39 5 65
Share-based compensation expense, net of forfeitures     30 28
Gain on sales of finance receivables (16) (17) (49) (50)
Other     (5) (3)
Cash flows due to changes in other assets and other liabilities     (91) (30)
Net cash provided by operating activities     2,347 2,267
Cash flows from investing activities        
Net principal originations and purchases of finance receivables     (4,086) (3,125)
Proceeds from sales of finance receivables     1,118 830
Available-for-sale securities purchased     (236) (248)
Available-for-sale securities called, sold, and matured     216 245
Other securities purchased     (12) (6)
Other securities called, sold, and matured     14 17
Other, net     (70) (67)
Net cash used for investing activities     (3,056) (2,354)
Cash flows from financing activities        
Proceeds from issuance and borrowings of long-term debt, net of issuance costs     5,724 6,298
Repayments and repurchases of long-term debt     (4,381) (5,492)
Cash dividends     (371) (376)
Common stock repurchased     (173) (70)
Treasury stock issued     3 3
Withholding tax on share-based compensation     (19) (12)
Net cash provided by financing activities     783 351
Net change in cash and cash equivalents and restricted cash and restricted cash equivalents     74 264
Cash and cash equivalents and restricted cash and restricted cash equivalents at beginning of period     1,613 1,142
Cash and cash equivalents and restricted cash and restricted cash equivalents at end of period 1,687 1,406 1,687 1,406
Supplemental cash flow information        
Cash and cash equivalents 936 658 936 658
Restricted cash and restricted cash equivalents 751 748 751 748
Total cash and cash equivalents and restricted cash and restricted cash equivalents $ 1,687 $ 1,406 $ 1,687 $ 1,406