Private company

AMERICAN HONDA FINANCE CORP

AMERICAN HONDA FINANCE CORP is an American personal credit institutions company based in Torrance.2

Last updated Oct 20, 2026.

Overview

$1.1BNet income, fiscal 20263
  • IndustryPersonal Credit Institutions2
  • HeadquartersTorrance, United States2
  • Incorporated inCA4
  • Business address1919 Torrance Blvd., Torrance, Ca 905014
  • Filer categoryNon-accelerated filer4
  • Legal formFor-Profit Corporation General Stock2
  • LEIB6Q2VFHD1797Q7NZ3E432
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O CSC - LAWYERS INCORPORATING SERVICE, 95833-3505 Sacramento, United States2
  • Registered withSecretary of State, 9514922

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American Honda Finance Corporation (AHFC) is a California corporation that was incorporated on February 6, 1980. Unless otherwise indicated by the context, all references to the “Company”, “we”, “us”, and “our” in this report include AHFC and its consolidated subsidiaries, and references to “AHFC” refer solely to American Honda Finance Corporation (excluding its subsidiaries). AHFC is a wholly-owned subsidiary of American Honda Motor Co., Inc. (AHM or the Parent). Honda Canada Finance Inc. (HCFI) is a majority-owned subsidiary of AHFC. Noncontrolling interest in HCFI is held by Honda Canada Inc. (HCI), an affiliate of AHFC. AHM is a wholly-owned subsidiary and HCI is an indirect wholly-owned subsidiary of Honda Motor Co., Ltd. (HMC). AHM and HCI are the sole authorized distributors of Honda and Acura products, including motor vehicles, parts, and accessories in the United States and Cana…5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

6.5%Return on equity3
3.91×Debt to equity3

Financial statements

Net income673$1.1B in 2026−39% since 2022
0$500.0M$1.0B$1.5B$2.0B2022: $1.8B$1.8B20222023: $1.1B$1.1B2023−40%2024: $1.0B$1.0B2024−2%2025: $1.1B$1.1B2025+8%2026: $1.1B$1.1B2026−3%
Fiscal year20222023202420252026
Operating expenses$574.0M6$956.0M7$952.0M3$1.2B3$1.5B3
Interest$713.0M6$887.0M6$1.7B6
Income before tax$2.6B6$1.5B7$1.5B3$1.6B3$1.5B3
Income tax$675.0M6$403.0M7$439.0M3$415.0M3$268.0M3
Net income$1.8B6$1.1B7$1.0B3$1.1B3$1.1B3

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Corporate structure

AMERICAN HONDA FINANCE CORP is part of a group headed by Honda. 47 entities, 12 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries, stakes and holdings from Wikidata (CC0). Each entity in the chart links to its source.

What it owns

What AMERICAN HONDA FINANCE CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Operating-lease assets (leased space)$39.0M3 Mar 31, 2026$46.0M3 Mar 31, 2025−15.2%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$2.5B3 Mar 31, 2026$4.1B3 Mar 31, 2025−38.6%
Loans, net of allowance$54.3B3 Mar 31, 2026$52.5B3 Mar 31, 2025+3.5%

Properties, in its own words

Our headquarters are located in Torrance, California. Our United States operations have three customer and dealer services centers located in California, Texas, and Georgia. HCFI’s headquarters are located in Markham, Ontario, Canada and our Canadian operations have regional offices and national servicing centers located in Quebec and Ontario. All premises are occupied pursuant to lease agreements.

We believe that our properties are suitable to meet the requirements of our business.

Item 2 of the 10-K filed Jun 18, 2026.5

Subsidiaries and ownership

Parent company (GLEIF)

Ultimate parent

Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record.

Timeline

  1. Mar 27, 20268-K Entered a material agreement13
  2. Mar 3, 20268-K Other events14
  3. Feb 24, 20268-K Entered a material agreement; Ended a material agreement; New debt or obligation15
  4. Aug 8, 20258-K Other events16
  5. Mar 25, 20258-K Entered a material agreement17
  6. Feb 24, 20258-K Entered a material agreement; New debt or obligation18
  7. Dec 27, 20248-K Other events19
  8. Aug 8, 20248-K Other events20
  9. Jul 3, 20248-K Financial statements and exhibits21
  10. Mar 28, 20248-K Entered a material agreement; New debt or obligation22
  11. Feb 27, 20248-K Entered a material agreement; New debt or obligation23
  12. Mar 24, 20238-K Other events24
  13. Sep 18, 2018Parent Directly consolidated by AMERICAN HONDA MOTOR CO., INC.2
  14. Feb 6, 1980Founded AMERICAN HONDA FINANCE CORP is founded2

Filings

231 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 16 major events, 195 other. The latest 20:

  1. Oct 6, 2026424B2 EDGAR
  2. Oct 5, 2026FWP EDGAR
  3. Oct 5, 2026FWP EDGAR
  4. Oct 5, 2026FWP EDGAR
  5. Aug 11, 2026424B5 EDGAR
  6. Aug 11, 202610-Q EDGAR
  7. Jul 7, 2026424B2 EDGAR
  8. Jul 6, 2026FWP EDGAR
  9. Jul 6, 2026FWP EDGAR
  10. Jul 6, 2026FWP EDGAR
  11. Jun 18, 202610-K EDGAR
  12. May 29, 202625-NSE EDGAR
  13. Apr 29, 202625-NSE EDGAR
  14. Apr 24, 202625-NSE EDGAR
  15. Apr 10, 2026424B2 EDGAR
  16. Apr 8, 2026FWP EDGAR
  17. Apr 8, 2026FWP EDGAR
  18. Apr 8, 2026FWP EDGAR
  19. Apr 8, 2026FWP EDGAR
  20. Mar 27, 20268-K EDGAR

The 231 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

SEC filer profile

How AMERICAN HONDA FINANCE CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARAMERICAN HONDA FINANCE CORP1
  • CIK0000864270
  • Employer ID (EIN)95-34727155
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
  • Incorporated inCalifornia5
  • Fiscal year endsMarch 311
  • Industry code (SIC)6141 Personal Credit Institutions1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1919 Torrance Blvd., Torrance, CA 905011
  • Phone310-972-25551
  • Shares outstanding13,660,000 as of Jul 31, 202610
  • Public float$0 as of Sep 30, 20253
  • AuditorKPMG LLP, Los Angeles, CA PCAOB ID 185; no auditor attestation of internal control over financial reporting5
  • On EDGAR sinceFeb 2, 20121
  • Filings504 in all: FWP (190), 424B2 (114), 8-K (43), 10-Q (39), 424B5 (22), 8-A12B (21), CERT (16), ABS-15G (15)1
    All 18 form types

    10-K (13), 25-NSE (13), CERTNYS (5), S-3ASR (5), 10-12G/A (2), UPLOAD (2), 10-12G (1), 10-K/A (1), 424B4 (1), CORRESP (1)

  • Latest filingsAnnual report (10-K) Jun 18, 2026
    Quarterly report (10-Q) Aug 11, 2026
    Latest 8-K (8-K) Mar 27, 2026

Securities registered for trading

ClassSymbolExchange
0.750% Medium-Term Notes, Series A Due November 25, 2026HMC/26ANew York Stock Exchange
1.500% Medium-Term Notes, Series A Due October 19, 2027HMC/27ANew York Stock Exchange
3.750% Medium-Term Notes, Series A Due October 25, 2027HMC/27BNew York Stock Exchange
Floating Rate Medium-Term Notes, Series A Due May 28, 2027HMC/27FNew York Stock Exchange
0.300% Medium-Term Notes, Series A Due July 7, 2028HMC/28ANew York Stock Exchange
2.850% Medium-Term Notes, Series A Due June 27, 2028HMC/28GNew York Stock Exchange
3.300% Medium-Term Notes, Series A Due March 21, 2029HMC/29CNew York Stock Exchange
5.600% Medium-Term Notes, Series A Due September 6, 2030HMC/30ANew York Stock Exchange
3.650% Medium-Term Notes, Series A Due April 23, 2031HMC/31BNew York Stock Exchange
3.500% Medium-Term Notes, Series A Due June 27, 2031HMC/31DNew York Stock Exchange
5.050% Medium-Term Notes, Series A Due August 20, 2031HMC/31ENew York Stock Exchange
3.950% Medium-Term Notes, Series A Due March 19, 2032HMC/32New York Stock Exchange

From the cover page of the 10-K filed Jun 18, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

The risks AMERICAN HONDA FINANCE CORP names in Item 1A of its 10-K filed Jun 18, 2026: 20 risks under these headings, as written.5

  • Operational Risks Relating To Our Business
  • Our results of operations, cash flows, and financial condition are substantially dependent upon HMC and the sale of Honda and Acura products and any decline in the financial condition of HMC or the sales of Honda and Acura products could have a materially adverse impact on our financial condition, cash flows, and results of operations.
  • Declines in general business and economic conditions can have a significant adverse impact on our results of operations, cash flows, and financial condition.
  • If we are unable to compete successfully or if competition continues to increase in the businesses in which we operate, our results of operations, cash flows, and financial condition could be materially and adversely affected.
  • We are exposed to residual value risk on the vehicles we lease.
  • Vehicle recalls and other announcements may impact our business.
  • Adverse economic conditions or changes in laws in states or provinces in which we have customer concentrations may negatively affect our results of operations, cash flows, and financial condition.
  • The U.S. Government implemented and proposed a range of new tariffs applicable to the automotive industry. Such tariffs, and similar tariffs imposed by other governments, could have a material adverse effect on our financial condition and results of operations.
  • Financial Risks Relating To Our Business
  • Our results of operations, cash flows, and financial condition may be adversely affected because of currency risk.
  • We need substantial capital to finance our operations and a disruption in our funding sources and access to the capital markets would have an adverse effect on our results of operations, cash flows, and financial condition.
  • Fluctuations in interest rates could have an adverse impact on our results of operations, cash flows, and financial condition.
The other 10 risks
  • Our borrowing costs and access to the debt capital markets depend significantly on our credit ratings, the credit ratings of HMC and the Keep Well Agreements.
  • We are subject to consumer and dealer credit risk, which could adversely impact our results of operations, cash flows, and financial condition.
  • We are required to apply significant judgments and assumptions in the preparation of our financial statements, and actual results may vary from those assumed in our judgments and assumptions.
  • The failure or commercial soundness of our counterparties and other financial institutions may have an adverse effect on our results of operations, cash flows, or financial condition.
  • Our results of operations may be adversely affected by the rate of prepayment of our financing and leasing contracts.
  • Our defined benefit plan costs and those of AHM and HCI may affect our financial condition, cash flows, and results of operations.
  • Regulatory Risks Relating To Our Business
  • Changes in laws and regulations, or the application thereof, may adversely affect our business, results of operations, cash flows, and financial condition.
  • Financial or consumer regulations may adversely affect our business, results of operations, cash flows and financial condition.
  • General Risk Factors
  • A failure or interruption in our operations could adversely affect our results of operations and financial condition.
  • A security breach or a cyber-attack may adversely affect our business, results of operations and financial condition.

Legal proceedings

For information on our material legal proceedings, see Note 9—Commitments and Contingencies—Legal Proceedings and Regulatory Matters of Notes to Consolidated Financial Statements, which is incorporated by reference herein.

The opening of Item 3, Legal Proceedings.5

Sources

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    SEC EDGAROther events
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    SEC EDGAROther events