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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Operating activities:    
Income (loss) from continuing operations, net of tax $ 334,000,000 $ 3,654,000,000
Loss from discontinued operations, net of tax (15,000,000) 0
Net income 319,000,000 3,654,000,000
Adjustments to reconcile net income to net cash from operating activities:    
Provision for credit losses 16,513,000,000 9,074,000,000
Depreciation and amortization, net 3,655,000,000 2,423,000,000
Deferred tax benefit (1,404,000,000) (501,000,000)
Net securities losses 0 35,000,000
Loss (gain) on sales of loans 2,000,000 27,000,000
Stock-based compensation expense 576,000,000 425,000,000
Other fair value adjustments 101,000,000 37,000,000
Loans held for sale:    
Originations and purchases (3,687,000,000) (2,603,000,000)
Proceeds from sales and paydowns 3,264,000,000 2,887,000,000
Changes in operating assets and liabilities:    
Changes in interest receivable 2,000,000 (99,000,000)
Changes in other assets (640,000,000) 913,000,000
Changes in interest payable (187,000,000) 56,000,000
Changes in other liabilities 1,359,000,000 (617,000,000)
Net change from discontinued operations 14,000,000 0
Net cash from (used in) operating activities 19,887,000,000 15,711,000,000
Securities available for sale:    
Purchases (12,585,000,000) (11,677,000,000)
Proceeds from paydowns and maturities 13,287,000,000 8,732,000,000
Proceeds from sales 1,000,000 175,000,000
Proceeds from sales of securities related to the Transaction 9,696,000,000 0
Net changes in loans originated as held for investment (20,849,000,000) (9,984,000,000)
Principal recoveries of loans previously charged off 3,647,000,000 2,197,000,000
Changes in premises and equipment (1,134,000,000) (848,000,000)
Net cash received in the Transaction 16,465,000,000 0
Net cash used in other investing activities (1,163,000,000) (756,000,000)
Net cash from (used in) investing activities 7,365,000,000 (12,161,000,000)
Financing activities:    
Changes in deposits (1,046,000,000) 4,987,000,000
Issuance of securitized debt obligations 1,495,000,000 997,000,000
Maturities and paydowns of securitized debt obligations (8,097,000,000) (3,434,000,000)
Issuance of senior and subordinated notes 4,481,000,000 3,985,000,000
Maturities and paydowns of senior and subordinated notes (6,307,000,000) (2,911,000,000)
Changes in other borrowings 48,000,000 (21,000,000)
Common stock:    
Net proceeds from issuances 295,000,000 251,000,000
Dividends paid (1,008,000,000) (700,000,000)
Preferred stock:    
Net proceeds from issuances 0 0
Dividends paid (179,000,000) (171,000,000)
Redemptions (500,000,000) 0
Purchases of treasury stock (1,579,000,000) (573,000,000)
Proceeds from share-based payment activities 1,000,000 4,000,000
Net cash from (used in) financing activities (12,396,000,000) 2,414,000,000
Changes in cash, cash equivalents and restricted cash for securitization investors 14,856,000,000 5,964,000,000
Cash, cash equivalents and restricted cash for securitization investors, beginning of the period 43,671,000,000 43,755,000,000
Cash, cash equivalents and restricted cash for securitization investors, end of the period 58,527,000,000 49,719,000,000
Supplemental cash flow information:    
Interest paid 10,828,000,000 9,831,000,000
Income tax paid 494,000,000 563,000,000
Reissuance of treasury stock, issuance of preferred stock and stock-based compensation awards related to the Transaction $ 51,790,000,000 $ 0