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General Motors Financial Company cash flow, quarter by quarter

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

Free cash flow$1.4B in Q3 2026 · $6.9B over twelve months

Operating cash flow$1.4B
Free cash flow+$1.4B
Cash / net income2.8×

Analysis

In Q3 2026, General Motors Financial Company generated $1.4B of operating cash flow. That is $639M less than in Q3 2025 ($2.0B).

Over the twelve months to Sep 30, 2026, operating cash flow was $6.9B; the largest uses were other investing ($5.1B), net borrowing (+) / repaid (−) ($2.8B), dividends ($1.7B); the cash balance fell by $2.8B.

Operating cash flow was $1.4B against net income of $487M — 2.8× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$1.3B, prepaid and other assets −$607M, other non-cash +$124M.

Free cash flow

General Motors Financial Company: free cash flow by quarterGeneral Motors Financial Company: free cash flow by quarter$1.3BQ4 2024$1.9BQ1 2025$2.2BQ2 2025$2.0BQ3 2025$1.9BQ4 2025$1.6BQ1 2026$1.9BQ2 2026$1.4BQ3 2026
Operating cash flow less capital spending.
General Motors Financial Company: operating cash flow against capital spendingGeneral Motors Financial Company: operating cash flow against capital spendingOperating cash flowCapital spending$1.3B$0Q4 2024$1.9B$0Q1 2025$2.2B$0Q2 2025$2.0B$0Q3 2025$1.9B$0Q4 2025$1.6B$0Q1 2026$1.9B$0Q2 2026$1.4B$0Q3 2026
Latest (Q3 2026): Operating cash flow $1.4B, Capital spending $0.

Capital allocation, year by year

General Motors Financial Company: where the cash came from (up) and went (down), by fiscal yearGeneral Motors Financial Company: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingDividendsFY2021: Operating cash flow $7.3BFY2021: Net borrowing $2.7BFY2021: Capital spending −$26.0MFY2021: Dividends −$3.6B$10.0BFY2021FY2022: Operating cash flow $5.5BFY2022: Net borrowing $6.0BFY2022: Capital spending −$44.0MFY2022: Dividends −$1.8B$11.4BFY2022FY2023: Operating cash flow $6.7BFY2023: Net borrowing $7.8BFY2023: Capital spending −$24.0MFY2023: Dividends −$1.9B$14.5BFY2023FY2024: Operating cash flow $6.4BFY2024: Net borrowing $11.0BFY2024: Capital spending −$24.0MFY2024: Dividends −$1.9B$17.5BFY2024FY2025: Operating cash flow $8.0BFY2025: Net borrowing −$2.8BFY2025: Capital spending −$51.0MFY2025: Dividends −$1.6B$8.0BFY2025
Over these 5 years operating cash flow totalled $33.8B; the largest uses were dividends ($10.9B) and net borrowing ($2.8B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$4.4B
Debt$112.9B
Net debt$108.5B

General Motors Financial Company funds itself: free cash flow was $6.9B over the last twelve months, and $4.4B of cash and investments stands against $112.9B of debt.

Where the cash came from and went

General Motors Financial Company: sources (+) and uses (−) of cash, Q3 2026General Motors Financial Company: sources (+) and uses (−) of cash, Q3 2026Other investing−$3.1BNet borrowing (+) / repaid (−)$1.9BOperating cash flow$1.4BDividends−$310MCash drawn (+) / kept (−)$152MOther financing−$19.0MExchange rates−$8.0M
General Motors Financial Company: sources (+) and uses (−) of cash, TTM to Q3 2026General Motors Financial Company: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$6.9BOther investing−$5.1BCash drawn (+) / kept (−)$2.8BNet borrowing (+) / repaid (−)−$2.8BDividends−$1.7BOther financing−$117MExchange rates$5.0MNot reconciled−$1.0M

From profit to cash

General Motors Financial Company: net income to operating cash flow, Q3 2026General Motors Financial Company: net income to operating cash flow, Q3 2026Net income$487MDepreciation & amortization$1.3BDeferred taxes$104MOther non-cash$124MPrepaid and other assets−$607MOther liabilities$122MOperating cash flow$1.4B
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$1.4B−$310M$1.9B$152M$1.4B
Q2 2026$1.9B−$250M−$84.0M$901M$1.9B
Q1 2026$1.6B−$709M−$2.1B−$163M$1.6B
Q4 2025$1.9B−$430M−$2.5B$1.9B$1.9B
Q3 2025$2.0B−$410M−$2.3B$694M$2.0B
Q2 2025$2.2B−$350M$59.0M$30.0M$2.2B
Q1 2025$1.9B−$409M$1.9B−$3.6B$1.9B
Q4 2024$1.3B−$450M$4.7B−$380M$1.3B

General Motors Financial Company: income statement and cash flow

General Motors Financial Company, Q3 2026: revenue $4.3B (-0.6% year over year), operating margin 15.3%. The chart follows the revenue to costs, profit and cash.

General Motors Financial Company: 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.