Provides automobile loans and leases to vehicle buyers, commercial loans to dealerships, and vehicle service contracts through qualified dealers.
10-K for FY2025, filed Jan 27, 2026General General Motors Financial Company, Inc. (sometimes referred to as we, us, our, the Company, or GM Financial), the wholly-owned…View ↗
North America Segment Our North America Segment includes operations in the U.S. and Canada. We have been operating in the automobile…View ↗
We are primarily an indirect auto finance provider, and we focus our marketing activities on automobile dealers. We pursue franchised…View ↗
Service Contracts We market, sell and administer vehicle service protection and other related finance and insurance contracts through GM…View ↗
Commercial Finance We provide commercial lending products to our dealer customers that include floorplan financing, also known as wholesale…View ↗
Earns interest on vehicle and dealer loans over time and rental income from vehicles leased to customers throughout each lease term.
10-K for FY2025, filed Jan 27, 2026Revenue Recognition Finance charge income earned on finance receivables is recognized using the effective interest method. Fees and…View ↗
Rental income earned on leased vehicles, which includes lease origination fees, net of lease origination costs, is recognized on a…View ↗
We also make loans to finance parts and accessories as well as improvements to dealership facilities, to provide working capital and to…View ↗
10-K for FY2025, filed Jan 27, 2026
FY2025 revenue by reportable segment ↗$17.1B
10-K for FY2025, filed Jan 27, 2026
$17.1B ↗| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
North America
Recurring
10-K for FY2025, filed Jan 27, 2026 |
90%
FY2022: 92%
|
North America, FY2025
$15.4B Sources
|
Recurring |
|
International
Recurring
10-K for FY2025, filed Jan 27, 2026 |
9.6%
FY2022: 7.8%
|
International, FY2025
$1.6B Sources
|
Recurring |
|
Other Operating Segment
|
0.3%
FY2022: <0.1%
|
Other Operating Segment, FY2025
$54M Sources
|
Consumers arrange loans and leases through franchised and select independent dealers; GM-franchised dealers and affiliates obtain inventory and other business loans directly from GM Financial. Qualified dealers sell vehicle service contracts.
10-K for FY2025, filed Jan 27, 2026We are primarily an indirect auto finance provider, and we focus our marketing activities on automobile dealers. We pursue franchised…View ↗
Service Contracts We market, sell and administer vehicle service protection and other related finance and insurance contracts through GM…View ↗
Commercial Finance We provide commercial lending products to our dealer customers that include floorplan financing, also known as wholesale…View ↗
We support the financing of new and used vehicle inventory primarily for GM-franchised dealerships and their affiliates before sale or…View ↗
Yes. It kept 12 cents of every revenue dollar as net income in FY2025 and turned 46 cents into free cash flow.
10-Q for Q3 FY2026, filed Oct 20, 2026
Open tableView ↗
Growing. Revenue grew 27% in 4 years, from $13.4B in FY2021 to $17.1B in FY2025, about 6% a year.
Commercial lending products
The latest report describes loans to commercial vehicle upfitters and advances to certain GM subsidiaries; the older report describes financing for dealer fleets and storage centers.
10-K for FY2022, filed Jan 31, 2023 10-K for FY2025, filed Jan 27, 2026Commercial Finance We provide commercial lending products to our dealer customers that include floorplan financing, also known as wholesale…View ↗
Commercial Finance We provide commercial lending products to our dealer customers that include floorplan financing, also known as wholesale…View ↗
Loading...
