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Paccar Financial earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 28, 2026
Q3 2026 Revenue down 0% year over year to $235M · 19¢ of every $1 of revenue kept as net profit · operating margin 25.6%
Paccar Financial made $235M in Q3 2026 (-0.3% Y/Y). Operating margin 25.6%, net earnings $45.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 28, 2026.
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What changed this quarter
Revenue was $235.2M in Q3 2026, roughly flat year over year and up 7% from the previous quarter.
Operating profit was $60.1M, a 25.6% margin (up 4.7 points year over year). Total costs fell 6% while revenue was flat. The fastest-growing cost line was Cost of revenue (+535%). Net earnings were $45.4M, up 23% year over year. The effective tax rate was 24.5%.
Operating cash flow was $92.6M, 204% of net earnings. Non-cash charges added back $23.6M of depreciation and amortization. Working capital and other items added $23.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 28, 2026 | $235M | -0.3% | 25.6% | $45.4M | $92.6M |
| Q2 2026 | 10-Q | Jul 29, 2026 | $221M | -6% | 22.1% | $37.0M | $62.5M |
| Q1 2026 | 10-Q | Apr 29, 2026 | $217M | -10% | 20.9% | $34.0M | $93.4M |
| Q4 2025 | 10-K | Feb 18, 2026 | $228M | -2% | 17.3% | $30.3M | $58.6M |
| Q3 2025 | 10-Q | Oct 30, 2025 | $236M | +3% | 20.8% | $37.0M | −$55.8M |
| Q2 2025 | 10-Q | Jul 31, 2025 | $235M | +13% | 20.4% | $36.4M | −$2.6M |
| Q1 2025 | 10-Q | May 1, 2025 | $243M | +15% | 21.7% | $40.5M | $132M |
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About Paccar Financial
PACCAR Financial Corp. (the “Company”), a Washington corporation, was incorporated in 1961 as a wholly owned subsidiary of PACCAR Inc (“PACCAR”) to finance the sale of PACCAR products. The Company principally provides financing and leasing of PACCAR manufactured trucks and other transportation equipment sold through the Kenworth and Peterbilt independent dealer networks in the United States. The Company also finances dealer inventories of new and used transportation equipment. PACCAR Leasing Company, a division of the Company operating as “PacLease”, franchises Kenworth and Peterbilt dealerships to engage in full-service and finance leasing. In selected markets, PacLease directly engages in full-service leasing with its customers through Company-owned stores and through Kenworth and Peterbilt dealerships.
In its own words, from its 10-K, filed Feb 18, 2026.
Paccar Financial against its Short-Term Business Credit Institutions peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -0.3% against the peers' median +5%. Operating margin: 25.6% against the peers' median 30.0%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| Paccar Financial | Q3 2026 | $235M | -0.3% | 25.6% |
| Deere John Capital | Q3 FY26 | $1.2B | -3% | 18.0% |
| ECPG Encore Capital Group | Q3 2026 | $545M | +18% | 42.3% |
| PRAA PRA Group | Q3 2026 | $286M | -8% | 30.0% |
| JCAP Jefferson Capital | Q2 2026 | $178M | +16% | 45.9% |
| PLBC Plumas Bancorp | Q3 2026 | $29.3M | +7% | 47.8% |
| SWRD Stewards | Q2 2026 | $3.5M | +5% | -114.5% |
Source: Paccar Financial 10-Q on SEC EDGAR · CIK 731288 · Short-Term Business Credit Institutions