What is Caterpillar's financial products — available credit?

Caterpillar (CAT) reported financial products — available credit of $5.89B in Q4 2025.

What does financial products — available credit mean?

This metric represents the total undrawn portion of all credit facilities available to the financial products segment. It is a comprehensive measure of the immediate liquidity available to the division to support its financing activities. It is a key indicator of the company's ability to withstand short-term market disruptions.

Caterpillar CAT Financial Products — Available credit

Other product segments

Machinery, Power & Energy

$3.77B—

Similar metrics at other companies

HTGCNumber of available credit facilities

20.0%

CNHFinancial Services — Credit facility

$1.3B+8.3%

LGIHIncrease available

$75M—

MNSBBorrowed Funds Total Credit Availability

$731.77M+6.3%

FISILine of Credit Remaining Borrowing Capacity

$155M—

TFSLLine of Credit Remaining Borrowing Capacity

$2.47B-19.3%

Other financials

Income statement

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Revenue$17.4B+22.2%

Gross profit$6.1B+15.6%

Operating income$3.1B+19.6%

Net income$2.5B+27.2%

EPS (diluted)$5.47+30.2%

Balance sheet

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Cash & equivalents$4.1B+14.3%

Total debt$36.9B+14.2%

Total equity$21.3B+9.4%

Total assets$95.6B+12.4%

Cash flow

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Operating cash flow$1.9B+45.1%

CapEx$728.0M+2.5%

Free cash flow$1.1B+97.2%

Valuation

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Market cap$409.34B+101%

P/E43.4×+21.8×

P/S5.8×+2.6×

Profitability

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Gross margin96.6%-4.4pp

Operating margin16.5%-2.7pp

Net margin13.3%-2.4pp

FCF margin13.4%-0.9pp

Returns & leverage

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Return on equity43.5%-11.8pp

Debt / equity1.7×+0.1×

Current ratio1.4×0.0×

Where this comes from

Reported directly by Caterpillar in its filing.

Tagged under the XBRL concept us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity.

The official record: Caterpillar’s 10-K, filed February 13, 2026, on SEC EDGAR. View the filing →

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What is Caterpillar's financial products — available credit?: Caterpillar (CAT) reported financial products — available credit of $5.89B in Q4 2025.
What does financial products — available credit mean?: This metric represents the total undrawn portion of all credit facilities available to the financial products segment. It is a comprehensive measure of the immediate liquidity available to the division to support its financing activities. It is a key indicator of the company's ability to withstand short-term market disruptions.