Segment Reporting (Tables)

9 Months Ended

Sep. 30, 2025

Segment Reporting [Abstract]

Schedule of Segment Reporting Information, by Segment

The following tables present certain income statement information by segment:

	Three Months Ended September 30, 2025
	North America		International		Total
Revenue from reportable segments	$	3,901	$	421	$	4,322
Reconciliation of revenue
Other revenue(a)					14
Total revenue					$	4,337
Costs and expenses(b)
Salaries and benefits	258		40
Leased vehicle depreciation	1,216		22
(Gain) loss on termination of leased vehicles	(148)		2
Provision for loan losses	202		42
Interest expense	1,464		187
GM Protection claim losses	17		—
Other segment items(c)	140		67
Equity income	—		9
Reportable segment income before income taxes	$	753	$	71	$	824
Reconciliation to income before income taxes
Other loss(d)					(20)
Income before income taxes					$	804

	Three Months Ended September 30, 2024
	North America		International		Total
Revenue from reportable segments	$	3,661	$	364	$	4,025
Reconciliation of revenue
Other revenue(a)					6
Total revenue					$	4,031
Costs and expenses(b)
Salaries and benefits	251		37
Leased vehicle depreciation	1,190		18
(Gain) loss on termination of leased vehicles	(188)		—
Provision for loan losses	277		21
Interest expense	1,385		165
GM Protection claim losses	8		—
Other segment items(c)	116		56
Equity income	—		10
Reportable segment income before income taxes	$	623	$	77	$	700
Reconciliation to income before income taxes
Other loss(d)					(13)
Income before income taxes					$	687

	Nine Months Ended September 30, 2025
	North America		International		Total
Revenue from reportable segments	$	11,531	$	1,189	$	12,720
Reconciliation of revenue
Other revenue(a)					35
Total revenue					$	12,755
Costs and expenses(b)
Salaries and benefits	781		116
Leased vehicle depreciation	3,616		60
(Gain) loss on termination of leased vehicles	(495)		2
Provision for loan losses	808		118
Interest expense	4,350		536
GM Protection claim losses	39		—
Other segment items(c)	413		168
Equity income	—		37
Reportable segment income before income taxes	$	2,018	$	227	$	2,244
Reconciliation to income before income taxes
Other loss(d)					(52)
Income before income taxes					$	2,193

	Nine Months Ended September 30, 2024
	North America		International		Total
Revenue from reportable segments	$	10,603	$	1,145	$	11,748
Reconciliation of revenue
Other revenue(a)					12
Total revenue					$	11,760
Costs and expenses(b)
Salaries and benefits	748		114
Leased vehicle depreciation	3,577		56
Gain on termination of leased vehicles	(606)		—
Provision for loan losses	598		77
Interest expense	3,930		502
GM Protection claim losses	20		—
Other segment items(c)	334		170
Equity income	—		55
Reportable segment income before income taxes	$	2,003	$	281	$	2,284
Reconciliation to income before income taxes
Other loss(d)					(38)
Income before income taxes					$	2,246

________________

(a)Revenue from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.

(b)The significant expense categories and amounts align with the segment-level information that is regularly provided to the chief operating decision-maker.

(c)Other segment items for each reportable segment primarily include professional fees, supplies and equipment, occupancy costs, depreciation and amortization, and commission expense.

(d)Income/loss from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.

The following table presents certain balance sheet information by segment:

	September 30, 2025						December 31, 2024
	North America		International		Total		North America		International		Total
Finance receivables, net	$	82,763	$	7,440	$	90,202	$	87,084	$	6,426	$	93,510
Leased vehicles, net	$	33,126	$	482	$	33,609	$	31,236	$	350	$	31,586
Assets from reportable segments	$	131,976	$	10,551	$	142,527	$	131,643	$	9,254	$	140,897
Other assets(a)					152		.				134
Total assets					$	142,680	.				$	141,030

______________

(a)Assets from our other operating segment that does not meet any of the quantitative thresholds for determining reportable segments.