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CNH Industrial Capital LLC earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 3, 2026
Q2 2026 Revenue down 2% year over year to $325M · 19¢ of every $1 of revenue kept as net profit · operating margin 24.6%
CNH Industrial Capital LLC made $325M in Q2 2026 (-2% Y/Y). Operating margin 24.6%, net earnings $60.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 3, 2026.
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What changed this quarter
Revenue was $325.0M in Q2 2026, down 2% year over year and up 2% from the previous quarter.
Operating profit was $80.1M, a 24.6% margin (up 1.0 points year over year). Total costs fell 3% while revenue fell 2%. Net earnings were $60.6M, down 1% year over year. The effective tax rate was 24.4%.
Operating cash flow was $135.2M (up 43% year over year), 223% of net earnings. Non-cash charges added back $50.3M of depreciation and amortization. Working capital and other items added $24.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 3, 2026 | $325M | -2% | 24.6% | $60.6M | $135M |
| Q1 2026 | 10-Q | Apr 30, 2026 | $318M | -2% | 21.5% | $52.4M | $153M |
| Q4 2025 | 10-K | Feb 26, 2026 | $331M | -4% | 25.8% | $60.6M | $60.9M |
| Q3 2025 | 10-Q | Nov 7, 2025 | $337M | -0.9% | 23.0% | $58.7M | $107M |
| Q2 2025 | 10-Q | Aug 4, 2025 | $332M | +3% | 23.7% | $60.9M | $94.5M |
| Q1 2025 | 10-Q | May 6, 2025 | $324M | +6% | 23.2% | $56.6M | $242M |
| Q4 2024 | 10-K | Feb 28, 2025 | $347M | +9% | 24.8% | $70.2M | $48.6M |
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About CNH Industrial Capital LLC
CNH Industrial Capital LLC (together with its consolidated subsidiaries, “CNH Capital,” the “Company” or “we”) is an indirect wholly-owned subsidiary of CNH Industrial N.V. (“CNH N.V.” and together with its consolidated subsidiaries, “CNH”) and is headquartered in Waterford, Wisconsin. As a captive finance company, our primary business is to underwrite and manage financing products for end-use customers and dealers of CNH Industrial America LLC (“CNH America”) and CNH Industrial Canada Ltd. (“CNH Canada” and, together with CNH America, “CNH North America”) and provide other related financial products and services to support the sale of agricultural and construction equipment sold by CNH North America.
In its own words, from its 10-K, filed Feb 26, 2026.
CNH Industrial Capital LLC against its Miscellaneous Business Credit Institution peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +10%. Operating margin: 24.6% against the peers' median 24.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CNH Industrial Capital LLC | Q2 2026 | $325M | -2% | 24.6% |
| Ford Motor Credit Co LLC | Q3 2026 | $3.6B | +2% | 84.7% |
| Caterpillar Financial Services | Q3 2026 | $1.0B | +10% | 19.8% |
| SPFX Standard Premium Finance Holdings | Q2 2026 | $3.5M | +11% | 14.2% |
Source: CNH Industrial Capital LLC 10-Q on SEC EDGAR · CIK 1552493 · Miscellaneous Business Credit Institution