General Motors Financial Company, Inc.
Financials · Finance Services · TX · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $17.06B | $15.88B | $14.22B | $12.77B | $13.42B | $13.83B |
| Operating income | — | — | — | — | — | — |
| Net income | $2.06B | $1.86B | $2.25B | $3.08B | $3.79B | $2.01B |
| Total assets | $140.48B | $141.03B | $132.01B | $122.55B | $113.79B | $113.83B |
| Total liabilities | $124.66B | $125.84B | $116.47B | $107.53B | $99.99B | $100.23B |
| Equity | $15.81B | $15.19B | $15.54B | $15.01B | $13.79B | $13.60B |
| EPS (diluted) | — | — | — | — | — | — |
| Shares out. | 5.0M | 5.0M | 5.0M | 5.0M | 5.0M | 5.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 12.1%
- Return on equity
- 13.0%
- Return on assets
- 1.5%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.7%
- Debt / equity
- 7.88×
- Book value / share
- $3131.29
- Revenue growth (YoY)
- 7.5%
- Net income growth (YoY)
- 10.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −4.2%clean
- Piotroski F-Score
- 7/7strong
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Wheeler Justin RexDirector | Oct 1, 2010 | Option exercise | 18,200 | — |
| Cumming Ian M.Director | Oct 1, 2010 | U | 33.9M | $24.50 |
| Birch Kyle R.Officer — Executive Vice President | Oct 1, 2010 | Option exercise | 6,000 | $0.00 |
| Bowman SteveOfficer — Executive Vice President | Oct 1, 2010 | Option exercise | 17,333 | $0.00 |
| Mock Brian S.Officer — Executive Vice President | Oct 1, 2010 | Option exercise | 6,000 | $0.00 |
| Dike A RDirector | Oct 1, 2010 | Option exercise | 44,000 | $0.00 |
| Jones Kenneth H JrDirector | Oct 1, 2010 | Option exercise | 44,000 | $24.50 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Results of operationsApr 28, 2026
- Other material eventApr 6, 2026
- Entered a material agreement · New financial obligationMar 23, 2026
- Results of operationsJan 27, 2026
- Other material eventJan 8, 2026
- Other material eventOct 27, 2025
- Results of operationsOct 21, 2025
- Results of operationsJul 22, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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