Second quarter net income of $510 million

Second quarter retail loan and operating lease originations of $14.9 billion

Earning assets of $127.8 billion at June 30, 2025

Available liquidity of $38.0 billion at June 30, 2025

FORT WORTH, Texas, July 22, 2025–(BUSINESS WIRE)–GENERAL MOTORS FINANCIAL COMPANY, INC. (“GM Financial” or the “Company”) announced net income of $510 million for the quarter ended June 30, 2025, compared to $610 million for the quarter ended June 30, 2024. Net income for the six months ended June 30, 2025 was $1.0 billion, compared to $1.1 billion for the six months ended June 30, 2024.

Retail loan originations were $9.5 billion for the quarter ended June 30, 2025, compared to $9.6 billion for the quarter ended March 31, 2025, and $8.6 billion for the quarter ended June 30, 2024. Retail loan originations for the six months ended June 30, 2025 were $19.1 billion, compared to $17.0 billion for the six months ended June 30, 2024. The outstanding balance of retail finance receivables was $77.8 billion at June 30, 2025, compared to $77.0 billion at March 31, 2025 and $73.3 billion at June 30, 2024.

Operating lease originations were $5.4 billion for the quarter ended June 30, 2025, compared to $5.0 billion for both the quarters ended March 31, 2025 and June 30, 2024. Operating lease originations for the six months ended June 30, 2025 were $10.4 billion, compared to $9.3 billion for the six months ended June 30, 2024. Leased vehicles, net was $33.2 billion at June 30, 2025, compared to $32.2 billion at March 31, 2025 and $30.3 billion at June 30, 2024.

The outstanding balance of commercial finance receivables was $16.7 billion at June 30, 2025, compared to $16.9 billion at March 31, 2025 and $17.1 billion at June 30, 2024.

Retail finance receivables 31-60 days delinquent were 2.1% of the portfolio at both June 30, 2025 and June 30, 2024. Accounts more than 60 days delinquent were 0.8% of the portfolio at June 30, 2025 and 0.7% at June 30, 2024.

Annualized net charge-offs were 1.1% of average retail finance receivables for the quarter ended June 30, 2025 and 1.0% for the quarter ended June 30, 2024. For the six months ended June 30, 2025, annualized retail net charge-offs were 1.2%, compared to 1.0% for the six months ended June 30, 2024.

The Company had total available liquidity of $38.0 billion at June 30, 2025, consisting of $8.4 billion of cash and cash equivalents, $25.7 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.