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How Snap-on (SNA) makes money

Snap-on (SNA) made $1.3B of revenue in the third quarter 2026 (Q3 2026), -0.7% from a year earlier. Product and Services, Excluding Financial Services brought in $1.2B (92%); Financial services revenue brought in $98.6M (8%). Of every dollar of revenue, 25¢ was left as operating profit, 19¢ was left as net earnings.

Drawing the Sankey…

Snap-on revenue by segment, Q3 2026Snap-on revenue by segment, Q3 2026Product and Services, Excluding F…$1.2BFinancial services revenue$98.6M
Snap-on: revenue by line, Q1 2026 to Q3 2026Snap-on: revenue by line, Q1 2026 to Q3 2026Product and Services,…Financial services re…Product and Services, Excluding Financial Services: $1.2B latest$1.2BFinancial services revenue: $98.6M latest$98.6MQ1 2026Q2 2026Q3 2026
The mix barely moved between Q1 2026 and Q3 2026.
Snap-on revenue by quarterSnap-on revenue by quarter$1.2BQ1 2025$1.3BQ2 2025$1.3BQ3 2025$1.3BQ4 2025$1.3BQ1 2026$1.3BQ2 2026$1.3BQ3 2026
Snap-on: where each dollar of revenue goesSnap-on: where each dollar of revenue goesOperating profit25¢Income tax5¢Net earnings19¢Operating cash flow19¢Free cash flow17¢

Revenue by segment, Q3 2026

SegmentRevenueShareQ/QY/Y
Product and Services, Excluding Financial Services$1.2B92.3%-4%-0.6%
Financial services revenue$98.6M7.7%-1%-2%

Where each dollar of revenue goes

LineQ3 2026% of revenue
Revenue$1.3B100.0%
Operating profit$316M24.7%
Income tax$69.7M5.4%
Net earnings$243M19.0%
Operating cash flow$248M19.3%
Free cash flow$223M17.4%

Revenue, quarter by quarter

QuarterRevenueY/Y
Q3 2026$1.3B-0.7%
Q2 2026$1.3B+4%
Q1 2026$1.3B+5%
Q4 2025$1.3B+3%
Q3 2025$1.3B+4%
Q2 2025$1.3B+0.1%
Q1 2025$1.2B-3%

From Snap-on's 10-Q filed Oct 22, 2026 (on EDGAR).

Questions

How does Snap-on make money?

Snap-on (SNA) made $1.3B of revenue in the third quarter 2026 (Q3 2026), -0.7% from a year earlier. Product and Services, Excluding Financial Services brought in $1.2B (92%); Financial services revenue brought in $98.6M (8%). Of every dollar of revenue, 25¢ was left as operating profit, 19¢ was left as net earnings.

What is Snap-on's biggest business?

Product and Services, Excluding Financial Services: $1.2B in the third quarter 2026, 92% of revenue, -0.6% from a year earlier.

What is Snap-on's profit margin?

Net earnings were $243M, 19.0% of revenue, in the third quarter 2026; the operating margin was 24.7%.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.