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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$43.6B-0.9%
Gross profit$6.6B—
Operating income$2.9B-12.7%
Net income$2.6B-5.6%
EPS (diluted)$2.82-15.8%

Balance sheet

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Cash & equivalents$24.1B+0.1%
Total debt$266.0M+4.7%
Total equity$62.7B-2.7%
Total assets$280.97B-0.4%

Cash flow

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Operating cash flow$3.0B-51.3%
CapEx$1.5B-16.7%
Free cash flow$1.4B-66.1%

Valuation

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Market cap$71.19B+53.6%
P/E8.3×0.0×
P/S0.4×+0.1×

Profitability

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Gross margin20.8%—
Operating margin4.3%-2.4pp
Net margin6.1%+0.2pp
FCF margin8%+1.0pp

Returns & leverage

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Return on equity15.2%+0.9pp
Debt / equity0×0.0×
Current ratio1.2×-0.1×

Where this comes from

Reported directly by General Motors in its filing.

Tagged under the XBRL concept us-gaap:InterestAndFeeIncomeLoansConsumer.

The official record: General Motors’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is General Motors's GM financial — finance charge income?
General Motors (GM) reported GM financial — finance charge income of $1.97B in Q1 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 2.9% year-over-year, from $2.03B to $1.97B.
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.