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Paccar Financial cash flow, quarter by quarter

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

Free cash flow$92.6M in Q3 2026 · $307M over twelve months

Operating cash flow$92.6M
Free cash flow+$92.6M
Cash / net income2.0×

Analysis

In Q3 2026, Paccar Financial generated $92.6M of operating cash flow. That is $148M more than in Q3 2025 (−$55.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $307M; the largest uses were net borrowing (+) / repaid (−) ($845M), other investing ($12.5M); besides operations, cash came from other financing ($392M), asset & business sales ($148M); the cash balance fell by $10.5M.

Operating cash flow was $92.6M against net income of $45.4M — 2.0× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$23.6M, other liabilities +$17.3M, deferred taxes +$11.9M.

Free cash flow

Paccar Financial: free cash flow by quarterPaccar Financial: free cash flow by quarter$38.2MQ4 2024$132MQ1 2025−$2.6MQ2 2025−$55.8MQ3 2025$58.6MQ4 2025$93.4MQ1 2026$62.5MQ2 2026$92.6MQ3 2026
Operating cash flow less capital spending.
Paccar Financial: operating cash flow against capital spendingPaccar Financial: operating cash flow against capital spendingOperating cash flowCapital spending$38.2M$0Q4 2024$132M$0Q1 2025−$2.6M$0Q2 2025−$55.8M$0Q3 2025$58.6M$0Q4 2025$93.4M$0Q1 2026$62.5M$0Q2 2026$92.6M$0Q3 2026
Latest (Q3 2026): Operating cash flow $92.6M, Capital spending $0.

Capital allocation, year by year

Paccar Financial: where the cash came from (up) and went (down), by fiscal yearPaccar Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesDividendsFY2021: Operating cash flow $285MFY2021: Net borrowing −$219MFY2021: Asset sales $300MFY2021: Dividends −$100M$585MFY2021FY2022: Operating cash flow $553MFY2022: Net borrowing $574MFY2022: Asset sales $214MFY2022: Dividends −$100M$1.3BFY2022FY2023: Operating cash flow $394MFY2023: Net borrowing $1.2BFY2023: Asset sales $176MFY2023: Dividends −$250M$1.8BFY2023FY2024: Operating cash flow $395MFY2024: Net borrowing $767MFY2024: Asset sales $188MFY2024: Dividends −$50.0M$1.4BFY2024FY2025: Operating cash flow $132MFY2025: Net borrowing −$861MFY2025: Asset sales $181M$312MFY2025
Over these 5 years operating cash flow totalled $1.8B; the largest uses were net borrowing ($1.1B) and dividends ($500M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$38.9M
Debt$2.5B
Net debt$2.4B

Paccar Financial funds itself: free cash flow was $307M over the last twelve months, and $38.9M of cash and investments stands against $2.5B of debt.

Paccar Financial: debt maturities by year (FY2025)Paccar Financial: debt maturities by year (FY2025)$1.9BYear 2$2.0BYear 3$1.0BYear 4
Principal due in each year as disclosed in the annual report, against $38.9M of cash and investments now.

Where the cash came from and went

Paccar Financial: sources (+) and uses (−) of cash, Q3 2026Paccar Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$534MOther financing$247MNet borrowing (+) / repaid (−)$141MOperating cash flow$92.6MAsset & business sales$44.0MCash drawn (+) / kept (−)$9.9M
Paccar Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Paccar Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Net borrowing (+) / repaid (−)−$845MOther financing$392MOperating cash flow$307MAsset & business sales$148MOther investing−$12.5MCash drawn (+) / kept (−)$10.5M

From profit to cash

Paccar Financial: net income to operating cash flow, Q3 2026Paccar Financial: net income to operating cash flow, Q3 2026Net income$45.4MDepreciation & amortization$23.6MDeferred taxes$11.9MOther liabilities$17.3MOperating cash flow$92.6M
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$92.6M$141M$9.9M$92.6M
Q2 2026$62.5M−$118M$20.7M$62.5M
Q1 2026$93.4M−$304M$18.2M$93.4M
Q4 2025$58.6M−$565M−$38.3M$58.6M
Q3 2025−$55.8M$164M$7.7M−$55.8M
Q2 2025−$2.6M−$214M−$22.0M−$2.6M
Q1 2025$132M−$246M$48.0M$132M
Q4 2024$38.2M$684M−$43.1M$38.2M

Paccar Financial: income statement and cash flow

Paccar Financial, Q3 2026: revenue $235M (-0.3% year over year), operating margin 25.6%. The chart follows the revenue to costs, profit and cash.

Paccar Financial: 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.