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CarMax Auto Finance (Tables) | 9 Months Ended
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Nov. 30, 2025
CarMax Auto Finance Income [Abstract] |
Components Of CarMax Auto Finance Income | Components of CAF Income
| Three Months Ended November 30 |  | Nine Months Ended November 30
(In millions) | 2025 |  | 2024 |  | 2025 |  | 2024
Interest margin: |  |  |  |  |  |  |
Interest and fee income | $ | 448.0 |  |  | $ | 469.2 |  |  | $ | 1,423.2 |  |  | $ | 1,386.2 |
Interest expense | (188.3) |  |  | (193.2) |  |  | (585.0) |  |  | (569.2) |
Total interest margin | 259.7 |  |  | 276.0 |  |  | 838.2 |  |  | 817.0 |
Provision for loan losses | (73.4) |  |  | (72.6) |  |  | (317.3) |  |  | (266.4) |
Total interest margin after provision for loan losses | 186.3 |  |  | 203.4 |  |  | 520.9 |  |  | 550.6 |
Servicing income | 5.0 |  |  | — |  |  | 5.0 |  |  | — |
Direct expenses: |  |  |  |  |  |  |
Payroll and fringe benefit expense | (20.5) |  |  | (19.0) |  |  | (61.0) |  |  | (56.6) |
Depreciation and amortization | (4.5) |  |  | (4.3) |  |  | (13.2) |  |  | (12.8) |
Other direct expenses | (18.6) |  |  | (20.2) |  |  | (59.7) |  |  | (58.8) |
Total direct expenses | (43.6) |  |  | (43.5) |  |  | (133.9) |  |  | (128.2) |
Gain on sale of auto loans | 27.0 |  |  | — |  |  | 27.0 |  |  | — |
CarMax Auto Finance income | $ | 174.7 |  |  | $ | 159.9 |  |  | $ | 419.0 |  |  | $ | 422.4 |

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- Definition Auto Finance Income [Abstract] + References No definition available. + Details
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- Definition Schedule Of Components Of Net Income Loss From Financing [Table Text Block] + References No definition available. + Details
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