# EDGAR Filing Document

**Accession Number:** 0000804269
**File Stem:** 0000804269-25-000049
**Filing Date:** 2025-10
**Character Count:** 16284
**Document Hash:** 807640906c5f84dce6b888483dca1aa3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000804269-25-000049.hdr.sgml**: 20251021

**ACCESSION NUMBER**: 0000804269-25-000049

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20251021

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251021

**DATE AS OF CHANGE**: 20251021

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** General Motors Financial Company, Inc.
- **CENTRAL INDEX KEY:** 0000804269
- **STANDARD INDUSTRIAL CLASSIFICATION:** FINANCE SERVICES [6199]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 752291093
- **STATE OF INCORPORATION:** TX
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-10667
- **FILM NUMBER:** 251405363

**BUSINESS ADDRESS:**
- **STREET 1:** 801 CHERRY STREET
- **STREET 2:** SUITE 3500
- **CITY:** FORT WORTH
- **STATE:** TX
- **ZIP:** 76102
- **BUSINESS PHONE:** 8173027000

**MAIL ADDRESS:**
- **STREET 1:** 801 CHERRY ST
- **STREET 2:** SUITE 3500
- **CITY:** FORT WORTH
- **STATE:** TX
- **ZIP:** 76102

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AMERICREDIT CORP
- **DATE OF NAME CHANGE:** 19930930

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** URCARCO INC
- **DATE OF NAME CHANGE:** 19920703

?xml version='1.0' encoding='ASCII'? acf-20251021

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d)**

**of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported): October 21, 2025**

**General Motors Financial Company, Inc.**

**(Exact name of registrant as specified in its charter)**

---

| | | |
|:---|:---|:---|
| **Texas** | **1-10667** | **75-2291093** |
| **(State or other jurisdiction<br>of incorporation)** | **(Commission<br>File Number)** | **(IRS Employer<br>Identification No.)** |

---

**801 Cherry Street, Suite 3500, Fort Worth, Texas 76102**

**(Address of principal executive offices, including Zip Code)**

**(817) 302-7000**

**(Registrant's telephone number, including area code)**

**(Not Applicable)**

**(Former name or former address, if changed since last report)**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol** | **Name of each exchange on which registered** |
| **5.250% Senior Notes due 2026** | **GM/26** | **New York Stock Exchange** |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

------

Item 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On October 21, 2025, General Motors Financial Company, Inc. (the "Company") issued a press release announcing the results of operations for the quarter ended September 30, 2025. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K.

In lieu of a conference call, the presentation slides and the press release will be posted to the Company's website on October 21, 2025 by 7:00 a.m. central time. Materials can be accessed via the Investor Center section of the website at www.gmfinancial.com.

Item 9.01 FINANCIAL STATEMENTS AND EXHIBITS

---

| | |
|:---|:---|
| <u>Exhibit No.</u> | <u>Description of Exhibit</u> |
| <u>[99.1](october2025quarterearnings.htm)</u> | <u>[Press Release dated](october2025quarterearnings.htm)[October 21](october2025quarterearnings.htm)[, 2025, entitled "GM Financial Reports](october2025quarterearnings.htm)[Thi](october2025quarterearnings.htm)[rd](october2025quarterearnings.htm)[Quarter 2025 Operating Results"](october2025quarterearnings.htm)</u> |

---

------

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | | General Motors Financial Company, Inc. |
| | | (Registrant) |
| Date: October 21, 2025 | By: | /S/&nbsp;&nbsp;&nbsp;&nbsp;RICHARD A. GOKENBACH, JR. |
|  |  | **Richard A. Gokenbach, Jr.** |
|  |  | **Executive Vice President and<br>Chief Financial Officer** |

---

## Exhibit 99.1

**Exhibit 99.1**

![gmfinancial_horizxbluexrgb.jpg](gmfinancial_horizxbluexrgb.jpg)

**GM FINANCIAL REPORTS THIRD QUARTER 2025**

**OPERATING RESULTS**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Third quarter net income of $589 million**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Third quarter retail loan and operating lease originations of $13.8 billion**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Earning assets of $126.5 billion at September 30, 2025** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**• Available liquidity of $37.2 billion at September 30, 2025**

**FORT WORTH, TEXAS October 21, 2025** – **GENERAL MOTORS FINANCIAL COMPANY, INC.** 

("GM Financial" or the "Company") announced net income of $589 million for the quarter ended September 30, 2025, compared to $499 million for the quarter ended September 30, 2024. Net income was $1.6 billion for both the nine months ended September 30, 2025 and September 30, 2024.

Retail loan originations were $8.8 billion for the quarter ended September 30, 2025, compared to $9.5 billion for the quarter ended June 30, 2025, and $9.4 billion for the quarter ended September 30, 2024. Retail loan originations for the nine months ended September 30, 2025 were $27.9 billion, compared to $26.3 billion for the nine months ended September 30, 2024. The outstanding balance of retail finance receivables was $75.9 billion at September 30, 2025, compared to $77.8 billion at June 30, 2025 and $74.4 billion at September 30, 2024.

Operating lease originations were $5.0 billion for the quarter ended September 30, 2025, compared to $5.4 billion for the quarter ended June 30, 2025 and $4.9 billion for the quarter ended September 30, 2024. Operating lease originations for the nine months ended September 30, 2025 were $15.3 billion, compared to $14.1 billion for the nine months ended September 30, 2024. Leased vehicles, net was $33.6 billion at September 30, 2025, compared to $33.2 billion at June 30, 2025 and $31.0 billion at September 30, 2024.

The outstanding balance of commercial finance receivables was $17.1 billion at September 30, 2025, compared to $16.7 billion at June 30, 2025 and $19.0 billion at September 30, 2024.

Retail finance receivables 31-60 days delinquent were 2.3% of the portfolio at both September 30, 2025 and September 30, 2024. Accounts more than 60 days delinquent were 0.9% of the portfolio at September 30, 2025 and 0.8% at September 30, 2024.

Annualized net charge-offs were 1.2% of average retail finance receivables for both the quarters ended September 30, 2025 and September 30, 2024. For the nine months ended September 30, 2025, annualized retail net charge-offs were 1.2%, compared to 1.1% for the nine months ended September 30, 2024.

The Company had total available liquidity of $37.2 billion at September 30, 2025, consisting of $7.8 billion of cash and cash equivalents, $25.4 billion of borrowing capacity on unpledged eligible assets, $0.9 billion of borrowing capacity on committed unsecured lines of credit, $1.0 billion of borrowing capacity on the Junior Subordinated Revolving Credit Facility from GM, and $2.0 billion of borrowing capacity on the GM Revolving 364-Day Credit Facility.

------

**<u>About GM Financial</u>**

General Motors Financial Company, Inc. is the wholly owned captive finance subsidiary of General Motors Company and is headquartered in Fort Worth, Texas. Additional materials addressing the Company's results of operations for the quarter ended September 30, 2025 can be accessed via the Investor Relations section of the Company's website at <u>https://investor.gmfinancial.com</u>.

------

General Motors Financial Company, Inc.

Condensed Consolidated Statements of Income

(Unaudited, in millions)

---

| | | | | |
|:---|:---|:---|:---|:---|
| | Three Months Ended September 30, | Three Months Ended September 30, | Nine Months Ended September 30, | Nine Months Ended September 30, |
| | 2025 | 2024 | 2025 | 2024 |
| **Revenue** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Finance charge income | $2060 | $1965 | $6132 | $5627 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Leased vehicle income | 1968 | 1828 | 5810 | 5431 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other income | 309 | 238 | 813 | 702 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total revenue | 4337 | 4031 | 12755 | 11760 |
| **Costs and expenses** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating expenses | 545 | 478 | 1581 | 1416 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Leased vehicle expenses | 1101 | 1027 | 3206 | 3046 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provision for loan losses | 244 | 298 | 926 | 676 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest expense | 1651 | 1550 | 4886 | 4431 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total costs and expenses | 3542 | 3354 | 10599 | 9569 |
| Equity income (loss) | 9 | 10 | 37 | 55 |
| Income (loss) before income taxes | 804 | 687 | 2193 | 2246 |
| Income tax expense (benefit) | 215 | 189 | 594 | 601 |
| **Net income (loss)** | 589 | 499 | 1598 | 1646 |
| Less: cumulative dividends on preferred stock | 30 | 30 | 89 | 89 |
| **Net income (loss) attributable to common shareholder** | $560 | $469 | $1510 | $1557 |

---

Amounts may not add due to rounding.

------

Condensed Consolidated Balance Sheets

(Unaudited, in millions)

---

| | | |
|:---|:---|:---|
|  | September 30, 2025 | December 31, 2024 |
| **ASSETS** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | $7820 | $5094 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Finance receivables, net of allowance for loan losses of $2,736 and $2,458 | 90202 | 93510 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Leased vehicles, net  | 33609 | 31586 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill and intangible assets | 1178 | 1169 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Equity in net assets of nonconsolidated affiliates | 1095 | 1206 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Related party receivables | 613 | 473 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other assets | 8164 | 7992 |
| **Total assets** | $142680 | $141030 |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |
| **Liabilities** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Secured debt  | $49394 | $49573 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unsecured debt | 66994 | 64691 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred income | 2535 | 2389 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Related party payables | 317 | 106 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other liabilities | 7635 | 9079 |
| **Total liabilities** | 126876 | 125838 |
| **Total shareholders' equity** | 15804 | 15193 |
| **Total liabilities and shareholders' equity** | $142680 | $141030 |

---

Amounts may not add due to rounding.

------

Operational and Financial Data

(Unaudited, Dollars in millions)

Amounts may not add due to rounding

---

| | | | | |
|:---|:---|:---|:---|:---|
| | Three Months Ended September 30, | Three Months Ended September 30, | Nine Months Ended September 30, | Nine Months Ended September 30, |
| **<u>Originations</u>** | 2025 | 2024 | 2025 | 2024 |
| Retail finance receivables originations | $8812 | $9371 | $27910 | $26323 |
| Lease originations | 4956 | 4874 | 15338 | 14146 |
| Total originations | $13768 | $14245 | $43248 | $40469 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | Three Months Ended September 30, | Three Months Ended September 30, | Nine Months Ended September 30, | Nine Months Ended September 30, |
| **<u>Average Earning Assets</u>** | 2025 | 2024 | 2025 | 2024 |
| Average retail finance receivables | $76799 | $73944 | $77098 | $73455 |
| Average commercial finance receivables | 16589 | 17449 | 17138 | 15770 |
| Average finance receivables | 93388 | 91393 | 94236 | 89225 |
| Average leased vehicles, net | 33377 | 30624 | 32698 | 30414 |
| Average earning assets | $126765 | $122017 | $126934 | $119638 |

---

---

| | | |
|:---|:---|:---|
| **<u>Ending Earning Assets</u>** | September 30, 2025 | December 31, 2024 |
| Retail finance receivables | $75857 | $76066 |
| Commercial finance receivables | 17081 | 19901 |
| Leased vehicles, net | 33609 | 31586 |
| Ending earning assets | $126547 | $127554 |

---

---

| | | |
|:---|:---|:---|
| **<u>Finance Receivables</u>** | September 30, 2025 | December 31, 2024 |
| *Retail* |  |  |
| Retail finance receivables | $75857 | $76066 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: allowance for loan losses | (2651) | (2400) |
| &nbsp;&nbsp;&nbsp;&nbsp;Total retail finance receivables, net | 73206 | 73667 |
| *Commercial* |  |  |
| Commercial finance receivables | 17081 | 19901 |
| &nbsp;&nbsp;&nbsp;&nbsp;Less: allowance for loan losses | (85) | (58) |
| &nbsp;&nbsp;&nbsp;&nbsp;Total commercial finance receivables, net | 16996 | 19843 |
| Total finance receivables, net | $90202 | $93510 |

---

&nbsp;&nbsp;&nbsp;&nbsp;

------

---

| | | |
|:---|:---|:---|
| **<u>Allowance for Loan Losses</u>** | September 30, 2025 | December 31, 2024 |
| Allowance for loan losses as a percentage of retail finance receivables | 3.5% | 3.2% |
| Allowance for loan losses as a percentage of commercial finance receivables | 0.5% | 0.3% |

---

---

| | | |
|:---|:---|:---|
| **<u>Delinquencies</u>** | September 30, 2025 | September 30, 2024 |
| Loan delinquency as a percentage of retail finance receivables: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;31 - 60 days | 2.3% | 2.3% |
| &nbsp;&nbsp;&nbsp;&nbsp;Greater than 60 days | 0.9 | 0.8 |
| Total | 3.2% | 3.1% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| | Three Months Ended September 30, | Three Months Ended September 30, | Nine Months Ended September 30, | Nine Months Ended September 30, |
| **<u>Charge-offs and Recoveries</u>** | 2025 | 2024 | 2025 | 2024 |
| Charge-offs | $494 | $439 | $1461 | $1255 |
| Less: recoveries | (257) | (217) | (778) | (652) |
| Net charge-offs | $237 | $222 | $683 | $604 |
| Net charge-offs as an annualized percentage of average retail finance receivables | 1.2% | 1.2% | 1.2% | 1.1% |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| | Three Months Ended September 30, | Three Months Ended September 30, | Nine Months Ended September 30, | Nine Months Ended September 30, |
| **<u>Operating Expenses</u>** | 2025 | 2024 | 2025 | 2024 |
| Operating expenses as an annualized percentage of average earning assets | 1.7% | 1.6% | 1.7% | 1.6% |

---

Investor Relations contact:

Meagan Trampe

Vice President, Investor Relations

(817) 302-7385

Investors@gmfinancial.com

<br>