Segment Reporting

9 Months Ended

Sep. 30, 2016

Segment Reporting [Abstract]

Segment Reporting

Segment Reporting

We offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two operating segments: the North America Segment (consisting of operations in the U.S. and Canada) and the International Segment (consisting of operations in all other countries). Our chief operating decision maker evaluates the operating results and performance of our business based on these operating segments. The management of each segment is responsible for executing our strategies.

For segment reporting purposes only, interest expense related to the senior notes has been allocated based on targeted leverage for each segment. Interest expense in excess of the targeted overall leverage is reflected in the "Corporate" column below. In addition, the interest income on intercompany loans provided to the international operations is presented in the "Corporate" column as revenue. Key financial data for our operating segments were as follows:

	Three Months Ended September 30, 2016
	North America		International		Corporate		Eliminations		Total
Total revenue	$	2,092	$	407	$	—	$	—	$	2,499
Operating expenses	240		152		—		—		392
Leased vehicle expenses	1,194		8		—		—		1,202
Provision for loan losses	147		25		—		—		172
Interest expense	383		158		—		—		541
Equity income	—		36		—		—		36
Income before income taxes	$	128	$	100	$	—	$	—	$	228

	Three Months Ended September 30, 2015
	North America		International		Corporate			Eliminations			Total
Total revenue	$	1,302	$	405	$	2		$	(2	)	$	1,707
Operating expenses	185		135		—			—			320
Leased vehicle expenses	626		3		—			—			629
Provision for loan losses	106		38		—			—			144
Interest expense	214		175		25			(2		)	412
Equity income	—		29		—			—			29
Income (loss) before income taxes	$	171	$	83	$	(23	)	$	—		$	231

	Nine Months Ended September 30, 2016
	North America		International		Corporate			Eliminations		Total
Total revenue	$	5,666	$	1,200	$	(1	)	$	1	$	6,866
Operating expenses	656		413		—			—		1,069
Leased vehicle expenses	3,143		20		—			—		3,163
Provision for loan losses	449		70		—			—		519
Interest expense	1,025		479		—			1		1,505
Equity income	—		109		—			—		109
Income (loss) before income taxes	$	393	$	327	$	(1	)	$	—	$	719

	Nine Months Ended September 30, 2015
	North America		International		Corporate			Eliminations			Total
Total revenue	$	3,293	$	1,283	$	13		$	(13	)	$	4,576
Operating expenses	530		415		—			—			945
Leased vehicle expenses	1,416		7		—			—			1,423
Provision for loan losses	335		105		—			—			440
Interest expense	572		564		60			(13		)	1,183
Equity income	—		85		—			—			85
Income (loss) before income taxes	$	440	$	277	$	(47	)	$	—		$	670

	September 30, 2016						December 31, 2015
	North America		International		Total		North America		International		Total
Finance receivables, net	$	25,366	$	15,766	$	41,132	$	21,558	$	15,223	$	36,781
Leased vehicles, net	$	31,570	$	205	$	31,775	$	20,086	$	86	$	20,172
Total assets	$	62,596	$	19,515	$	82,111	$	47,419	$	18,485	$	65,904