GM Financial — Finance charge income
General Motors GM Financial — Finance charge income decreased by 3.6% to $1.97B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 2.9%, from $2.03B to $1.97B. Over 4 years (FY 2021 to FY 2025), GM Financial — Finance charge income shows an upward trend with a 18.8% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
Higher income reflects growth in the loan portfolio or higher interest rate spreads, whereas lower income may signal reduced lending activity or compressed margins.
Detailed definition
Interest income earned from retail and wholesale automotive financing contracts provided to customers and dealers. It re...
Peer comparison
Standard interest income metric for automotive captive finance divisions across the industry.
gm_segment_gm_financial_finance_charge_incomeHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.04B | $1.04B | $1.02B | $1.01B | $1.06B | $1.16B | $1.29B | $1.37B | $1.49B | $1.62B | $1.73B | $1.79B | $1.88B | $1.97B | $2.04B | $2.03B | $2.05B | $2.06B | $2.04B | $1.97B |
| QoQ Change | — | -0.1% | -1.8% | -0.6% | +5.1% | +9.0% | +11.5% | +6.0% | +8.9% | +8.8% | +6.4% | +3.5% | +5.0% | +4.7% | +3.9% | -0.8% | +1.1% | +0.6% | -1.0% | -3.6% |
| YoY Change | — | — | — | — | +2.5% | +11.9% | +27.1% | +35.4% | +40.3% | +40.0% | +33.6% | +30.6% | +25.9% | +21.2% | +18.4% | +13.4% | +9.2% | +4.8% | -0.1% | -2.9% |
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Frequently Asked Questions
- 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 $4.10B to $8.17B.
- What does gm financial — finance charge income mean?
- Interest earned from providing vehicle loans to customers and dealers.