Investment securities (includes available-for-sale securities with a fair value and an amortized cost basis of 1.6 billion and 1.7 billion in 2026, respectively, and 1.5billion and 1.6billion in 2025, respectively)
1,649
1,614
1,590
1,657
Gross finance receivables
24,763
24,081
24,449
24,109
Unearned fees
300
293
300
295
Accrued finance charges and fees
392
385
410
388
Deferred origination costs
290
274
274
263
Net finance receivables (includes loans of consolidated vies of 14.1 billion in 2026 and 13.4 billion in 2025)
25,145
24,447
24,833
24,465
Unearned insurance premium and claim reserves
792
771
791
783
Allowance for finance receivable losses (includes allowance of consolidated vies of 1.6 billion in 2026 and 1.6 billion in 2025)
2,923
2,819
2,865
2,815
Net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses
21,430
20,857
21,177
20,867
Restricted cash and restricted cash equivalents (includes restricted cash and restricted cash equivalents of consolidated vies of 724 million in 2026 and 690 million in 2025)
738
728
699
748
Goodwill
1,474
1,474
1,474
1,474
Other intangible assets
279
281
282
284
Other assets
1,287
1,230
1,252
1,297
Total assets
27,424
27,018
27,388
26,985
Long-term debt (includes debt of consolidated vies of 12.0 billion in 2026 and 11.5 billion in 2025)
22,769
22,396
22,694
22,338
Insurance claims and policyholder liabilities
552
566
576
578
Deferred and accrued taxes
16
55
35
42
Other liabilities (includes other liabilities of consolidated vies of 31 million in 2026 and 30million in 2025)
704
624
682
649
Total liabilities
24,041
23,641
23,987
23,607
Common stock, par value 0.01 per share 2,000,000,000 shares authorized, 115,082,807 and 117,196,792 shares issued and outstanding at june 30, 2026 and december 31, 2025, respectively
1
1
1
1
Additional paid-in capital
1,758
1,750
1,757
1,750
Accumulated other comprehensive loss
-54
-53
-41
-47
Retained earnings
2,710
2,680
2,579
2,500
Treasury stock, at cost 20,954,574 and 18,514,904 shares at june 30, 2026 and december 31, 2025, respectively
1,032
1,001
895
826
Total shareholders equity
3,383
3,377
3,401
3,378
Total liabilities and shareholders equity
27,424
27,018
27,388
26,985
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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