CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Revenue
Finance charge income	$ 2,060	$ 1,965	$ 6,132	$ 5,627
Leased vehicle income	1,968	1,828	5,810	5,431
Other income	309	238	813	702
Total revenue	4,337	4,031	12,755	11,760
Costs and expenses
Operating expenses	545	478	1,581	1,416
Leased vehicle expenses	1,101	1,027	3,206	3,046
Provision for loan losses (Note 4)	244	298	926	676
Interest expense	1,651	1,550	4,886	4,431
Total costs and expenses	3,542	3,354	10,599	9,569
Equity income (loss) (Note 6)	9	10	37	55
Income (loss) before income taxes	804	687	2,193	2,246
Income tax expense (benefit) (Note 12)	215	189	594	601
Net income (loss)	589	499	1,598	1,646
Less: cumulative dividends on preferred stock	30	30	89	89
Net income (loss) attributable to common shareholder	$ 560	$ 469	$ 1,510	$ 1,557