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General Motors GM GM Financial — Finance charge income

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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$76.29B+52.7%
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:InterestAndFeeIncomeLoansConsumer.

The source filing: General Motors’s 10-Q, filed July 21, 2026.

Filed
Jul 21, 2026, 4:16 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001467858-26-000051
Line itemThree Months Ended June 30, 2026 / GMNAThree Months Ended June 30, 2026 / GMIThree Months Ended June 30, 2026 / CorporateThree Months Ended June 30, 2026 / Total AutomotiveThree Months Ended June 30, 2026 / GM FinancialThree Months Ended June 30, 2026 / Eliminations/ReclassificationsTotal
Used vehicles62111632632
Services and other1,229284341,5471,547
Automotive net sales and revenue39,9113,69115943,76243,762
Leased vehicle income1,9701,970
Finance charge income2,0062,006
Other income291(3)289
GM Financial net sales and revenue4,267(3)4,264
Net sales and revenue$39,912$3,691$159$43,762$4,267$(3)$48,026

Item 1. Condensed Consolidated Financial Statements

FAQ

What is General Motors's GM financial — finance charge income?
General Motors (GM) reported GM financial — finance charge income of $2.01B in Q2 2026.
How has General Motors's GM financial — finance charge income changed year-over-year?
General Motors's GM financial — finance charge income decreased by 2.1% year-over-year, from $2.05B to $2.01B.
What is the long-term trend for General Motors's GM financial — finance charge income?
Over 4 years (2021 to 2025), General Motors's GM financial — finance charge income has grown at a 18.8% compound annual growth rate (CAGR), from $4.1B to $8.17B.
What does GM financial — finance charge income mean?
Interest income earned from retail and wholesale automotive financing contracts provided to customers and dealers. It represents the core interest spread generated by the captive finance segment on its loan portfolio.

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