Segment Information (Tables)

9 Months Ended

Sep. 30, 2025

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.