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v3.25.3

Segment Information (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of Segment Reporting Information, by Segment | Financial information for our reportable operating segments is summarized as follows.
Three months ended September 30, ($ in millions) |  | Automotive Finance operations |  | Insurance operations |  | Corporate Finance operations |  | Corporate and Other |  | Consolidated (a)
2025 |  |  |  |  |  |  |  |  |  |
Net financing revenue and other interest income |  |  |  |  |  |  |  |  |  |
Total financing revenue and other interest income |  | $ | 2,666 |  |  | $ | 49 |  |  | $ | 238 |  |  | $ | 434 |  |  | $ | 3,387 |
Total interest expense |  | 1,128 |  |  | 16 |  |  | 127 |  |  | 307 |  |  | 1,578 |
Net depreciation expense on operating lease assets |  | 225 |  |  | — |  |  | — |  |  | — |  |  | 225 |
Net financing revenue and other interest income |  | 1,313 |  |  | 33 |  |  | 111 |  |  | 127 |  |  | 1,584 |
Other revenue |  | 96 |  |  | 420 |  |  | 25 |  |  | 43 |  |  | 584 |
Total net revenue |  | 1,409 |  |  | 453 |  |  | 136 |  |  | 170 |  |  | 2,168 |
Provision for credit losses |  | 410 |  |  | — |  |  | 8 |  |  | (3) |  |  | 415 |
Noninterest expense |  |  |  |  |  |  |  |  |  |
Compensation and benefits expense |  | 172 |  |  | 29 |  |  | 19 |  |  | 227 |  |  | 447 |
Insurance losses and loss adjustment expenses |  | — |  |  | 141 |  |  | — |  |  | — |  |  | 141 |
Other operating expenses |  |  |  |  |  |  |  |  |  |
Technology and communications expenses |  | 31 |  |  | 5 |  |  | 2 |  |  | 70 |  |  | 108 |
Other (b) |  | 375 |  |  | 199 |  |  | 12 |  |  | (42) |  |  | 544 |
Total other operating expenses |  | 406 |  |  | 204 |  |  | 14 |  |  | 28 |  |  | 652 |
Total noninterest expense |  | 578 |  |  | 374 |  |  | 33 |  |  | 255 |  |  | 1,240 |
Income (loss) from continuing operations before income tax expense (benefit) |  | $ | 421 |  |  | $ | 79 |  |  | $ | 95 |  |  | $ | (82) |  |  | $ | 513 |
Total assets |  | $ | 113,726 |  |  | $ | 9,848 |  |  | $ | 11,343 |  |  | $ | 56,794 |  |  | $ | 191,711 |
2024 |  |  |  |  |  |  |  |  |  |
Net financing revenue and other interest income |  |  |  |  |  |  |  |  |  |
Total financing revenue and other interest income |  | $ | 2,637 |  |  | $ | 43 |  |  | $ | 248 |  |  | $ | 646 |  |  | $ | 3,574 |
Total interest expense |  | 1,101 |  |  | 13 |  |  | 139 |  |  | 632 |  |  | 1,885 |
Net depreciation expense on operating lease assets |  | 169 |  |  | — |  |  | — |  |  | — |  |  | 169 |
Net financing revenue and other interest income |  | 1,367 |  |  | 30 |  |  | 109 |  |  | 14 |  |  | 1,520 |
Other revenue |  | 85 |  |  | 437 |  |  | 37 |  |  | 56 |  |  | 615 |
Total net revenue |  | 1,452 |  |  | 467 |  |  | 146 |  |  | 70 |  |  | 2,135 |
Provision for credit losses |  | 579 |  |  | — |  |  | 11 |  |  | 55 |  |  | 645 |
Noninterest expense |  |  |  |  |  |  |  |  |  |
Compensation and benefits expense |  | 165 |  |  | 27 |  |  | 17 |  |  | 226 |  |  | 435 |
Insurance losses and loss adjustment expenses |  | — |  |  | 135 |  |  | — |  |  | — |  |  | 135 |
Other operating expenses |  |  |  |  |  |  |  |  |  |
Technology and communications expenses |  | 32 |  |  | 5 |  |  | 1 |  |  | 72 |  |  | 110 |
Other (b) |  | 321 |  |  | 198 |  |  | 12 |  |  | 14 |  |  | 545 |
Total other operating expenses |  | 353 |  |  | 203 |  |  | 13 |  |  | 86 |  |  | 655 |
Total noninterest expense |  | 518 |  |  | 365 |  |  | 30 |  |  | 312 |  |  | 1,225 |
Income (loss) from continuing operations before income tax expense (benefit) |  | $ | 355 |  |  | $ | 102 |  |  | $ | 105 |  |  | $ | (297) |  |  | $ | 265 |
Total assets |  | $ | 113,583 |  |  | $ | 9,455 |  |  | $ | 10,398 |  |  | $ | 59,234 |  |  | $ | 192,670 |
(a)Net financing revenue and other interest income after the provision for credit losses totaled $1.2 billion and $875 million for the three months ended September 30, 2025, and 2024, respectively. (b)Primarily consists of insurance commissions, advertising and marketing, and property and equipment depreciation expenses. Refer to Note 6 for additional information.
Nine months ended September 30, ($ in millions) |  | Automotive Finance operations |  | Insurance operations |  | Corporate Finance operations |  | Corporate and Other |  | Consolidated (a)
2025 |  |  |  |  |  |  |  |  |  |
Net financing revenue and other interest income |  |  |  |  |  |  |  |  |  |
Total financing revenue and other interest income |  | $ | 7,840 |  |  | $ | 138 |  |  | $ | 692 |  |  | $ | 1,435 |  |  | $ | 10,105 |
Total interest expense |  | 3,286 |  |  | 45 |  |  | 369 |  |  | 1,146 |  |  | 4,846 |
Net depreciation expense on operating lease assets |  | 681 |  |  | — |  |  | — |  |  | — |  |  | 681 |
Net financing revenue and other interest income |  | 3,873 |  |  | 93 |  |  | 323 |  |  | 289 |  |  | 4,578 |
Other revenue |  | 290 |  |  | 1,206 |  |  | 73 |  |  | (356) |  |  | 1,213 |
Total net revenue |  | 4,163 |  |  | 1,299 |  |  | 396 |  |  | (67) |  |  | 5,791 |
Provision for credit losses |  | 1,231 |  |  | — |  |  | 20 |  |  | (261) |  |  | 990 |
Noninterest expense |  |  |  |  |  |  |  |  |  |
Compensation and benefits expense |  | 521 |  |  | 85 |  |  | 63 |  |  | 713 |  |  | 1,382 |
Insurance losses and loss adjustment expenses |  | — |  |  | 505 |  |  | — |  |  | — |  |  | 505 |
Goodwill impairment |  | — |  |  | — |  |  | — |  |  | 305 |  |  | 305 |
Other operating expenses |  |  |  |  |  |  |  |  |  |
Technology and communications expenses |  | 90 |  |  | 14 |  |  | 4 |  |  | 204 |  |  | 312 |
Other (b) |  | 1,053 |  |  | 586 |  |  | 42 |  |  | (49) |  |  | 1,632 |
Total other operating expenses |  | 1,143 |  |  | 600 |  |  | 46 |  |  | 155 |  |  | 1,944 |
Total noninterest expense |  | 1,664 |  |  | 1,190 |  |  | 109 |  |  | 1,173 |  |  | 4,136 |
Income (loss) from continuing operations before income tax expense (benefit) |  | $ | 1,268 |  |  | $ | 109 |  |  | $ | 267 |  |  | $ | (979) |  |  | $ | 665 |
Total assets |  | $ | 113,726 |  |  | $ | 9,848 |  |  | $ | 11,343 |  |  | $ | 56,794 |  |  | $ | 191,711 |
2024 |  |  |  |  |  |  |  |  |  |
Net financing revenue and other interest income |  |  |  |  |  |  |  |  |  |
Total financing revenue and other interest income |  | $ | 7,819 |  |  | $ | 123 |  |  | $ | 769 |  |  | $ | 1,983 |  |  | $ | 10,694 |
Total interest expense |  | 3,176 |  |  | 40 |  |  | 428 |  |  | 2,029 |  |  | 5,673 |
Net depreciation expense on operating lease assets |  | 516 |  |  | — |  |  | — |  |  | — |  |  | 516 |
Net financing revenue and other interest income |  | 4,127 |  |  | 83 |  |  | 341 |  |  | (46) |  |  | 4,505 |
Other revenue |  | 275 |  |  | 1,159 |  |  | 90 |  |  | 126 |  |  | 1,650 |
Total net revenue |  | 4,402 |  |  | 1,242 |  |  | 431 |  |  | 80 |  |  | 6,155 |
Provision for credit losses |  | 1,410 |  |  | — |  |  | 13 |  |  | 186 |  |  | 1,609 |
Noninterest expense |  |  |  |  |  |  |  |  |  |
Compensation and benefits expense |  | 503 |  |  | 81 |  |  | 61 |  |  | 751 |  |  | 1,396 |
Insurance losses and loss adjustment expenses |  | — |  |  | 428 |  |  | — |  |  | — |  |  | 428 |
Other operating expenses |  |  |  |  |  |  |  |  |  |
Technology and communications expenses |  | 95 |  |  | 14 |  |  | 4 |  |  | 206 |  |  | 319 |
Other (b) |  | 975 |  |  | 587 |  |  | 39 |  |  | 75 |  |  | 1,676 |
Total other operating expenses |  | 1,070 |  |  | 601 |  |  | 43 |  |  | 281 |  |  | 1,995 |
Total noninterest expense |  | 1,573 |  |  | 1,110 |  |  | 104 |  |  | 1,032 |  |  | 3,819 |
Income (loss) from continuing operations before income tax expense (benefit) |  | $ | 1,419 |  |  | $ | 132 |  |  | $ | 314 |  |  | $ | (1,138) |  |  | $ | 727 |
Total assets |  | $ | 113,583 |  |  | $ | 9,455 |  |  | $ | 10,398 |  |  | $ | 59,234 |  |  | $ | 192,670 |
(a)Net financing revenue and other interest income after the provision for credit losses totaled $3.6 billion and $2.9 billion for the nine months ended September 30, 2025, and 2024, respectively. (b)Primarily consists of insurance commissions, advertising and marketing, and property and equipment depreciation expenses. Refer to Note 6 for additional information.

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