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Ford Motor Credit Co LLC earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 29, 2026
Q3 2026 Revenue up 2% year over year to $3.6B · 19¢ of every $1 of revenue kept as net profit · operating margin 84.7%
Ford Motor Credit Co LLC made $3.6B in Q3 2026 (+2% Y/Y). Operating margin 84.7%, net earnings $688M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 29, 2026.
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What changed this quarter
Revenue was $3.6B in Q3 2026, up 2% year over year and up 1% from the previous quarter.
Operating profit was $3.1B, a 84.7% margin (up 2.1 points year over year). Of the extra revenue versus Q3 2025, 210% reached operating profit, above the 83% margin then. Total costs fell 10% while revenue rose 2%. Net earnings were $0.69B, up 22% year over year. The effective tax rate was 14.3%.
Operating cash flow was $1.2B (up 33% year over year), 173% of net earnings. Working capital and other items added $0.50B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 29, 2026 | $3.6B | +2% | 84.7% | $688M | $1.2B |
| Q2 2026 | 10-Q | Jul 29, 2026 | $3.6B | +3% | 84.7% | $1.1B | $912M |
| Q1 2026 | 10-Q | Apr 30, 2026 | $3.6B | +5% | 84.9% | $675M | $1.3B |
| Q4 2025 | 10-K | Feb 11, 2026 | $3.6B | +4% | 84.3% | $642M | $947M |
| Q3 2025 | 10-Q | Oct 24, 2025 | $3.6B | +6% | 82.6% | $566M | $893M |
| Q2 2025 | 10-Q | Jul 31, 2025 | $3.5B | +6% | 82.7% | $543M | $1.2B |
| Q1 2025 | 10-Q | May 6, 2025 | $3.4B | +10% | 85.1% | $424M | $804M |
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About Ford Motor Credit Co LLC
In some countries outside the United States, some of our subsidiaries, including FCE and Ford Bank, are regulated and/or licensed banking institutions and are required, among other things, to maintain minimum capital and liquidity. FCE is authorized by the U.K. Prudential Regulation Authority (“PRA”) and regulated by the U.K. Financial Conduct Authority and the PRA to carry on a range of regulated activities within the United Kingdom. Ford Bank is authorized by the European Central Bank and regulated by both the German Bundesbank and the German Federal Supervisory Authority. In many locations where we operate, governmental authorities require us to obtain equivalent licenses or appropriate permissions to conduct our business.
In its own words, from its 10-K, filed Feb 11, 2026.
Ford Motor Credit Co 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: 84.7% against the peers' median 24.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| Ford Motor Credit Co LLC | Q3 2026 | $3.6B | +2% | 84.7% |
| Caterpillar Financial Services | Q3 2026 | $1.0B | +10% | 19.8% |
| CNH Industrial Capital LLC | Q2 2026 | $325M | -2% | 24.6% |
| SPFX Standard Premium Finance Holdings | Q2 2026 | $3.5M | +11% | 14.2% |
Source: Ford Motor Credit Co LLC 10-Q on SEC EDGAR · CIK 38009 · Miscellaneous Business Credit Institution