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Ford Motor Credit Co LLC cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$1.2B in Q3 2026 · $4.3B over twelve months

Operating cash flow$1.2B
Free cash flow+$1.2B
Cash / net income1.7×

Analysis

In Q3 2026, Ford Motor Credit Co LLC generated $1.2B of operating cash flow. That is $296M more than in Q3 2025 ($893M).

Over the twelve months to Sep 30, 2026, operating cash flow was $4.3B; the largest uses were other financing ($3.3B), other investing ($3.0B); besides operations, cash came from net borrowing (+) / repaid (−) ($1.5B); the cash balance fell by $516M.

Operating cash flow was $1.2B against net income of $688M — 1.7× profit, cash ran ahead of reported earnings. The largest differences: other liabilities −$41.0M, other operating capital −$31.0M, prepaid and other assets +$5.0M.

Free cash flow

Ford Motor Credit Co LLC: free cash flow by quarterFord Motor Credit Co LLC: free cash flow by quarter$1.1BQ4 2024$804MQ1 2025$1.2BQ2 2025$893MQ3 2025$947MQ4 2025$1.3BQ1 2026$912MQ2 2026$1.2BQ3 2026
Operating cash flow less capital spending.
Ford Motor Credit Co LLC: operating cash flow against capital spendingFord Motor Credit Co LLC: operating cash flow against capital spendingOperating cash flowCapital spending$1.1B$0Q4 2024$804M$0Q1 2025$1.2B$0Q2 2025$893M$0Q3 2025$947M$0Q4 2025$1.3B$0Q1 2026$912M$0Q2 2026$1.2B$0Q3 2026
Latest (Q3 2026): Operating cash flow $1.2B, Capital spending $0.

Capital allocation, year by year

Ford Motor Credit Co LLC: where the cash came from (up) and went (down), by fiscal yearFord Motor Credit Co LLC: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingFY2021: Operating cash flow $5.0BFY2021: Net borrowing −$17.7B$5.0BFY2021FY2022: Operating cash flow $3.5BFY2022: Net borrowing $5.8B$9.3BFY2022FY2023: Operating cash flow $2.3BFY2023: Net borrowing $8.5B$10.8BFY2023FY2024: Operating cash flow $3.1BFY2024: Net borrowing $10.9B$14.0BFY2024FY2025: Operating cash flow $3.8BFY2025: Net borrowing −$748M$3.8BFY2025
Over these 5 years operating cash flow totalled $17.8B; the largest uses were net borrowing ($18.4B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$8.3B
Debt$139.4B
Net debt$131.1B

Ford Motor Credit Co LLC funds itself: free cash flow was $4.3B over the last twelve months, and $8.3B of cash and investments stands against $139.4B of debt.

Where the cash came from and went

Ford Motor Credit Co LLC: sources (+) and uses (−) of cash, Q3 2026Ford Motor Credit Co LLC: sources (+) and uses (−) of cash, Q3 2026Other investing−$3.7BNet borrowing (+) / repaid (−)$3.1BOperating cash flow$1.2BOther financing−$776MCash drawn (+) / kept (−)$177MExchange rates−$2.0M
Ford Motor Credit Co LLC: sources (+) and uses (−) of cash, TTM to Q3 2026Ford Motor Credit Co LLC: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$4.3BOther financing−$3.3BOther investing−$3.0BNet borrowing (+) / repaid (−)$1.5BCash drawn (+) / kept (−)$516MNot reconciled−$39.0M

From profit to cash

Ford Motor Credit Co LLC: net income to operating cash flow, Q3 2026Ford Motor Credit Co LLC: net income to operating cash flow, Q3 2026Net income$688MPrepaid and other assets$5.0MOther liabilities−$41.0MOther operating capital−$31.0MOperating cash flow$1.2B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$1.2B$3.1B$177M$1.2B
Q2 2026$912M$363M−$495M$912M
Q1 2026$1.3B−$2.9B$1.3B$1.3B
Q4 2025$947M$937M−$506M$947M
Q3 2025$893M$3.1B−$303M$893M
Q2 2025$1.2B$121M−$1.0B$1.2B
Q1 2025$804M−$4.9B$1.8B$804M
Q4 2024$1.1B$4.4B−$781M$1.1B

Ford Motor Credit Co LLC: income statement and cash flow

Ford Motor Credit Co LLC, Q3 2026: revenue $3.6B (+2% year over year), operating margin 84.7%. The chart follows the revenue to costs, profit and cash.

Ford Motor Credit Co LLC: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.