CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Revenue
Finance charge income	$ 8,173	$ 7,669	$ 6,204
Leased vehicle income	7,800	7,297	7,266
Other income	1,086	909	754
Total revenue	17,059	15,875	14,224
Costs and expenses
Operating expenses	2,206	1,802	1,818
Leased vehicle expenses	4,391	4,113	4,047
Provision for loan losses (Note 4)	1,207	1,029	826
Interest expense	6,492	6,030	4,685
Total costs and expenses	14,296	12,974	11,376
Equity income (loss) (Note 7)	39	64	138
Impairment of investment in nonconsolidated affiliate (Note 7)	0	(320)	0
Income (loss) before income taxes	2,802	2,645	2,985
Income tax expense (benefit) (Note 15)	744	784	741
Net income (loss)	2,058	1,860	2,245
Less: cumulative dividends on preferred stock	119	119	119
Net income (loss) attributable to common shareholder	$ 1,940	$ 1,742	$ 2,126