Private company

General Motors Financial Company, Inc.

General Motors Financial Company, Inc. is an American finance services company based in Fort Worth, incorporated in Texas.2

Last updated Oct 20, 2026.

Overview

  • IndustryFinance Services2
  • HeadquartersFort Worth, United States2
  • Incorporated inTX3
  • Business address801 Cherry Street, Suite 3500, Fort Worth, Tx 761023
  • Filer categoryNon-accelerated filer3
  • Legal formFor-Profit Corporation2
  • LEI5493008B6JBRUJ90QL972
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O CORPORATION SERVICE COMPANY D/B/A CSC-LAWYERS INCO, 78701 Austin, United States2
  • Registered withCorporations Section (Texas Secretary of State), 01077351002

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General General Motors Financial Company, Inc. (sometimes referred to as we, us, our, the Company, or GM Financial), the wholly-owned captive finance subsidiary of General Motors Company (GM), is a global provider of automobile finance solutions. Under the AmeriCredit, GM Financial, and GMAC trade names, we offer substantially similar products and services throughout many different regions, subject to local regulations and market conditions. We evaluate our business in two reportable segments: North America (the North America Segment) and International (the International Segment).4 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 2025

12.1%Net margin5
7.5%Revenue growth, 20255
13.0%Return on equity5
7.21×Debt to equity5
$7.9BFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs84¢$14.3B
  • Income tax4¢$744.0M
  • Profit12¢$2.1B

Out of $17.1B in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending1¢$51.0M
  • Dividends paid20¢$1.6B
  • Kept or used elsewhere79¢$6.3B

Out of $8.0B of cash from operations.5

Financial statements

Revenue67895$17.1B in 2025+17% since 2019
0$5.0B$10.0B$15.0B$20.0B2019: $14.6B$14.6B20192020: $13.8B$13.8B2020−5%2021: $13.4B$13.4B2021−3%2022: $12.8B$12.8B2022−5%2023: $14.2B$14.2B2023+11%2024: $15.9B$15.9B2024+12%2025: $17.1B$17.1B2025+7%
Net income67895$2.1B in 2025+31% since 2019
0$1.0B$2.0B$3.0B$4.0B2019: $1.6B$1.6B20192020: $2.0B$2.0B2020+28%2021: $3.8B$3.8B2021+89%2022: $3.1B$3.1B2022−19%2023: $2.2B$2.2B2023−27%2024: $1.9B$1.9B2024−17%2025: $2.1B$2.1B2025+11%
Fiscal year2019202020212022202320242025
Revenue$14.6B6$13.8B7$13.4B8$12.8B9$14.2B5$15.9B5$17.1B5
Operating expenses$1.6B8$1.7B9$1.8B5$1.8B5$2.2B5
Interest$3.6B6$3.0B7$2.5B8$2.9B8$4.7B8
Income before tax$5.0B8$4.1B9$3.0B5$2.6B5$2.8B5
Income tax$537.0M6$693.0M7$1.2B8$992.0M9$741.0M5$784.0M5$744.0M5
Net income$1.6B6$2.0B7$3.8B8$3.1B9$2.2B5$1.9B5$2.1B5

Compare General Motors Financial Company, Inc. with another company

Corporate structure

General Motors Financial Company, Inc. is part of a group headed by General Motors. 362 entities, 42 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

  • General Motors Detroit, Michigan, United States
    • General Motors do Brasil Sao Caetano do Sul, Brazil
    • General Motors Financial Company, Inc. Fort Worth, Texas, United States
      • AMERICREDIT FINANCIAL SERVICES, INC. Subsidiary · Fort Worth, Texas, United States
      • AMERICREDIT SYNDICATED WAREHOUSE TRUST Subsidiary · Wilmington, Delaware, United States
      • Banco Monex Inst BCA Mul Monex GPO Finan Div Fid F2965 Subsidiary · Mexico City, Mexico
      • Cibanco SA IBM FID 00251 Subsidiary · Mexico City, Mexico
      • General Motors Financial of Canada, Ltd. Subsidiary · Toronto, Ontario, Canada
      • GM Financial Automobile Leasing Trust 2016-PP6 Subsidiary · Fort Worth, Texas, United States
      • GM FINANCIAL AUTOMOBILE LEASING TRUST 2016-PP7 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2017-PP1 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2017-PP2 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2017-PP3 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2017-PP4 Subsidiary · Fort Worth, Texas, United States
      • GM FINANCIAL AUTOMOBILE LEASING TRUST 2017-PP5 Subsidiary · Fort Worth, Texas, United States
      • GM FINANCIAL AUTOMOBILE LEASING TRUST 2018-PP1 Subsidiary · Fort Worth, Texas, United States
      • GM FINANCIAL AUTOMOBILE LEASING TRUST 2018-PP10 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP2 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP3 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP4 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP5 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP6 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP7 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP8 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2018-PP9 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2019-PP1 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2019-PP2 Subsidiary · Fort Worth, Texas, United States
      • GM Financial Automobile Leasing Trust 2019-PP3 Subsidiary · Fort Worth, Texas, United States
      • and 107 more
    • ACDelco Subsidiary · Warren
    • Allison Engine Company Subsidiary · Indianapolis
    • BrightDrop Subsidiary · Detroit
    • Buick Subsidiary · Detroit
    • Cadillac Subsidiary · Detroit
    • Cartercar Subsidiary · Pontiac
    • Chevrolet Subsidiary · Detroit
      • Chevrolet China Subsidiary
    • Chevrolet Europe Subsidiary · Zurich
    • Chevrolet-Saturn of Harlem Subsidiary
    • Delco Electronics Subsidiary · Kokomo
    • Elmore Subsidiary · Elmore
    • Fremont Assembly Subsidiary · Fremont
    • General Motors de Chile Subsidiary · Santiago
    • General Motors de México Subsidiary · Mexico City
    • General Motors Diesel Division Subsidiary · Detroit
    • General Motors Egypt Subsidiary · Maadi
    • General Motors India Private Limited Subsidiary · Gurgaon, India
    • General Motors OBB Subsidiary
    • General Motors of Argentina Subsidiary · Buenos Aires
    • General Motors Peninsular Subsidiary · Barcelona, Spain
    • General Motors Specialty Vehicles Subsidiary · Adelaide
    • General Motors Thailand Subsidiary · Bangkok, Thailand
    • Ghandhara Industries Subsidiary · Karachi
    • and 198 more

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; subsidiaries, stakes and holdings from Wikidata (CC0). Each entity in the chart links to its source.

What it owns

What General Motors Financial Company, Inc. 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
Accumulated depreciation$485.0M5 Dec 31, 2025$464.0M5 Dec 31, 2024+4.5%
Operating-lease assets (leased space)$113.0M5 Dec 31, 2025$90.0M5 Dec 31, 2024+25.6%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$5.8B5 Dec 31, 2025$5.1B5 Dec 31, 2024+14.4%
Debt securities available for sale$569.0M5 Dec 31, 2025
Stakes in other companies (equity method)$1.1B5 Dec 31, 2025$1.2B5 Dec 31, 2024−7.4%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$1.2B5 Dec 31, 2025$1.2B5 Dec 31, 2024+0.7%

Properties, in its own words

Our executive offices are located in Fort Worth, Texas. We operate credit centers, collections and customer service centers and administrative offices, primarily in North America and Latin America.

Item 2 of the 10-K filed Jan 27, 2026.4

Leadership

Who has led General Motors Financial Company, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Daniel E. Berce2006

Chair

  1. Clifton H. Morris Jr.2006–2010

President

  1. Daniel E. Berce2006–2010

Chief financial officer

  1. Chris A. Choate2006–2010

Chief operating officer

  1. Steven M. Floyd2006–2008
  2. Preston A. Miller2006–2007
2010201520202025
Board members and other officers (12)

Subsidiaries and ownership

Parent company (GLEIF)

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

Former names

  • AMERICREDIT CORPSep 28, 1994 to Oct 6, 20103

Timeline

  1. Jul 21, 20268-K Results of operations31
  2. Jun 11, 20268-K Other events32
  3. Apr 28, 20268-K Results of operations33
  4. Apr 6, 20268-K Other events34
  5. Mar 23, 20268-K Entered a material agreement; New debt or obligation35
  6. Jan 27, 20268-K Results of operations36
  7. Jan 8, 20268-K Other events37
  8. Oct 27, 20258-K Other events38
  9. Oct 21, 20258-K Results of operations39
  10. Jul 22, 20258-K Results of operations40
  11. May 30, 20258-K Other events41
  12. Apr 29, 20258-K Results of operations42
  13. Jun 2, 2006New chief executive Daniel E. Berce becomes CEO13
  14. May 20, 1988Parent Directly consolidated by General Motors2
  15. May 18, 1988Founded General Motors Financial Company, Inc. is founded2

Calendar

When it reported results

  1. Jul 21, 2026Reported quarterly or annual results31
  2. Apr 28, 2026Reported quarterly or annual results33
  3. Jan 27, 2026Reported quarterly or annual results36
  4. Oct 21, 2025Reported quarterly or annual results39
  5. Jul 22, 2025Reported quarterly or annual results40
  6. Apr 29, 2025Reported quarterly or annual results42
  7. Jan 28, 2025Reported quarterly or annual results43
  8. Oct 22, 2024Reported quarterly or annual results44

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

211 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 47 major events, 144 other. The latest 20:

  1. Oct 2, 2026FWP EDGAR
  2. Oct 2, 2026424B3 EDGAR
  3. Jul 21, 202610-Q EDGAR
  4. Jul 21, 20268-K EDGAR
  5. Jul 10, 2026424B3 EDGAR
  6. Jun 11, 20268-K EDGAR
  7. Jun 9, 2026424B2 EDGAR
  8. Jun 8, 2026FWP EDGAR
  9. Jun 8, 2026424B5 EDGAR
  10. Apr 28, 202610-Q EDGAR
  11. Apr 28, 20268-K EDGAR
  12. Apr 6, 20268-K EDGAR
  13. Apr 2, 2026424B2 EDGAR
  14. Apr 1, 2026FWP EDGAR
  15. Apr 1, 2026424B5 EDGAR
  16. Mar 23, 20268-K EDGAR
  17. Mar 2, 202625-NSE EDGAR
  18. Jan 27, 202610-K EDGAR
  19. Jan 27, 20268-K EDGAR
  20. Jan 16, 2026424B3 EDGAR

The 211 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 General Motors Financial Company, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARGeneral Motors Financial Company, Inc.1
  • CIK0000804269
  • Employer ID (EIN)75-22910934
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inTexas4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6199 Finance Services1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address801 Cherry Street, Suite 3500, Fort Worth, TX 761021
  • Mailing address801 Cherry St, Suite 3500, Fort Worth, TX 761021
  • Phone81730270001
  • Shares outstanding5,050,000 as of Jul 20, 202611
  • Public float$0 as of Jun 30, 20255
  • AuditorErnst & Young LLP, Fort Worth, Texas PCAOB ID 42; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceFeb 10, 19941
  • Filings1,562 in all: 8-K (318), 4 (285), 424B2 (210), FWP (115), 10-Q (98), SC 13G/A (70), 424B5 (59), 424B3 (42)1
    All 50 form types

    10-K (32), 4/A (24), SC 13D/A (24), SC 13G (23), S-8 POS (22), EFFECT (19), CORRESP (16), S-3ASR (16), S-8 (16), UPLOAD (16), 424B7 (15), DEF 14A (15), POS AM (13), S-4/A (12), 3 (10), S-3 (10), S-3/A (9), 8-K/A (8), S-4 (8), SC 13D (8), 10-Q/A (5), 10-K405 (4), 305B2 (4), CT ORDER (4), DEFA14A (4), 424B8 (3), 8-A12B (3), 10-K/A (2), 15-12B (2), 25-NSE (2), 424B1 (2), POSASR (2), PRE 14A (2), SC TO-I/A (2), 10-K405/A (1), 10-KT (1), CERT (1), CERTNYS (1), DEFM14A (1), NO ACT (1), PREM14A (1), SC TO-I (1)

  • Latest filingsAnnual report (10-K) Jan 27, 2026
    Quarterly report (10-Q) Jul 21, 2026
    Proxy statement (DEF 14A) Sep 16, 2009
    Latest 8-K (8-K) Jul 21, 2026

Securities registered for trading

ClassSymbolExchange
5.250% Senior Notes due 2026GM/26New York Stock Exchange
6.150% Senior Notes due 2035GM/35BNew York Stock Exchange

From the cover page of the 10-K filed Jan 27, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks General Motors Financial Company, Inc. names in Item 1A of its 10-K filed Jan 27, 2026: 18 risks under these headings, as written.4

  • Risks related to our business
  • The profitability and financial condition of our operations are dependent upon the operations of our parent, GM.
  • We operate in a highly competitive industry, and competitive pressures could have a significant negative effect on our pricing, market share and results of operations.
  • Tariffs applicable to the automotive industry continue to evolve, including in the U.S., where the government has signaled tariff policy may shift in the future. Such tariffs could have a material adverse effect on our financial condition and results of operations.
  • Our profitability is dependent upon retail demand for automobiles, related automobile financing and the ability of customers to repay loans and leases. Our business and results of operations may be negatively affected during times of low automobile sales, fluctuating wholesale prices and leased vehicle residual values, and other economic conditions.
  • Defaults and prepayments on loans and leases purchased or originated by us could adversely affect our operations.
  • Our operations are heavily reliant on automotive dealers, and our profitability could be adversely affected by a change in dealers’ relationships with us or in their financial condition.
  • Our ability to continue to fund our business and service our debt is dependent on a number of financing sources and requires a significant amount of cash.
  • Our substantial indebtedness could adversely affect our financial health and prevent us from fulfilling our obligations under existing indebtedness.
  • Our hedging strategies may not be successful in minimizing risks from unfavorable changes in interest rates and foreign currency exchange rates.
  • Our operations outside the U.S. expose us to additional risks.
  • We do not control the operations of our investments in joint ventures, and we are subject to the risks of operating in China.
The other 7 risks
  • Pandemics, epidemics, disease outbreaks and other public health crises have disrupted our business and operations, and future public health crises could materially adversely impact our business, financial condition, liquidity and results of operations.
  • Risks related to cybersecurity, information technology and data management practices
  • Security breaches, cyberattacks and other disruptions to information technology systems and networks owned or maintained by us or third parties, such as vendors or suppliers, could materially compromise our operations and/or sensitive customer data and proprietary information.
  • Our enterprise data practices, including the collection, use, sharing and security of the personal information of our customers, employees and vendors, are subject to increasingly complex and restrictive regulations in all key market regions.
  • Risks related to government regulations and litigation
  • Compliance with laws and regulations can significantly increase our costs and affect how we do business.
  • We could be materially adversely affected by significant litigation, governmental investigations or other proceedings.
  • Climate-related events and climate change legislation could adversely affect our operations.
  • We may incur additional tax expense, become subject to additional tax exposure, or fail to fully realize available tax incentives.

Legal proceedings

Refer to Note 11 to our consolidated financial statements for information relating to legal proceedings.

The opening of Item 3, Legal Proceedings.4

Sources

The numbers on this page point here. Each one links to the record it came from.

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    SEC EDGAROther events
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    SEC EDGAROther events
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    SEC EDGAROther events
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