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General Motors GM Cruise — Financing receivable

Similar metrics at other companies

Paccar logo
PCARFinancial Services — Notes Receivable Gross
$19.35B-4.1%
Paccar logo
PCARFinancial Services — Financing Receivable Nonaccrual No Allowance
$33.4M-59.0%
Capital One Financial logo
COFCredit Card — Financing Receivable, before Allowance for Credit Loss
$275.41B+2.1%
Capital One Financial logo
COFCommercial Banking — Financing Receivable, before Allowance for Credit Loss
$91.29B+3.3%
Capital One Financial logo
COFConsumer Banking — Financing Receivable, before Allowance for Credit Loss
$90.47B+11.4%
Ready Capital logo
RCFinancing Receivable Nonaccrual Percent Past Due1
$0.22+93.0%

Other financials

Income statement

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Revenue$48.0B+1.9%
Gross profit$6.6B
Operating income$1.5B-31.4%
Net income$1.3B-31.1%
EPS (diluted)$1.41-26.2%

Balance sheet

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Cash & equivalents$23.6B-8.6%
Total debt$266.0M+4.7%
Total equity$62.0B-6.6%
Total assets$282.74B-2.3%

Cash flow

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Operating cash flow$6.4B-8.0%
CapEx$1.9B-9.1%
Free cash flow$4.4B-7.5%

Valuation

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Market cap$76.85B+50.1%
P/E10.7×+0.1×
P/S0.4×+0.1×

Profitability

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Gross margin20.8%
Operating margin4.3%-2.4pp
Net margin6.1%+0.2pp
FCF margin7.8%0.0pp

Returns & leverage

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Return on equity15.2%+0.9pp
Debt / equity0.0×
Current ratio1.1×-0.1×

Where this comes from

Reported directly by General Motors in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableGross.

The source filing: General Motors’s 10-K, filed January 27, 2026.

Filed
Jan 27, 2026, 4:08 PM EST
Fiscal year
FY2025
Accession
0001467858-26-000013
Line itemDecember 31, 2025December 31, 2024
Consolidated Balance Sheets(a)
Commercial finance receivables due from GM consolidated dealers$395$279
Commercial finance receivables due from Cruise$395
Subvention receivable from GM(b)$452$360
Commercial loan funding payable to GM$94$100

Item 8. Financial Statements and Supplementary Data

FAQ

What is General Motors's cruise — financing receivable?
General Motors (GM) reported cruise — financing receivable of $0 in Q4 2025.
What does cruise — financing receivable mean?
Represents the total amount of outstanding credit extended to customers or partners within the autonomous vehicle segment. This metric tracks the portion of financing assets specifically tied to the development or deployment of self-driving technology services. It reflects the credit risk and capital tied up in financing arrangements unique to the autonomous mobility business model.

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