| Assets | — | — |
| Cash and cash equivalents | 458a | 1,014a |
| Investment securities (includes available-for-sale securities with a fair value and an amortized cost basis of $1.5 billion and $1.6 billion in 2024, respectively, and $1.6 billion and $1.8 billion in 2023, respectively) | 1,607a | 1,719a |
| Net finance receivables (includes loans of consolidated VIEs of $14.0 billion in 2024 and $12.8 billion in 2023) | 23,554a | 21,349a |
| Unearned insurance premium and claim reserves | -766a | -771a |
| Allowance for finance receivable losses (includes allowance of consolidated VIEs of $1.6 billion in 2024 and $1.4 billion in 2023) | -2,705a | -2,480a |
| Net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses | 20,083a | 18,098a |
| Restricted cash and restricted cash equivalents (includes restricted cash and restricted cash equivalents of consolidated VIEs of $662 million in 2024 and $523 million in 2023) | 684a | 534a |
| Goodwill | 1,474a | 1,437a |
| Other intangible assets | 286a | 260a |
| Other assets | 1,318a | 1,232a |
| Total assets | 25,910a | 24,294a |
| Liabilities and shareholders’ equity | — | — |
| Long-term debt (includes debt of consolidated VIEs of $12.4 billion in 2024 and $11.6 billion in 2023) | 21,438a | 19,813a |
| Insurance claims and policyholder liabilities | 575a | 615a |
| Deferred and accrued taxes | 20a | 9a |
| Other liabilities (includes other liabilities of consolidated VIEs of $31 million in 2024 and $26 million in 2023) | 686a | 671a |
| Total liabilities | 22,719a | 21,108a |
| Shareholders’ equity | — | — |
| Common stock, par value $0.01 per share; 2,000,000,000 shares authorized, 119,360,509 and 119,757,277 shares issued and outstanding at December 31, 2024 and December 31, 2023, respectively | 1a | 1a |
| Additional paid-in capital | 1,734a | 1,715a |
| Accumulated other comprehensive loss | -81a | -87a |
| Retained earnings | 2,296a | 2,285a |
| Treasury stock, at cost; 16,060,384 and 15,383,804 shares at December 31, 2024 and December 31, 2023, respectively | -759a | -728a |
| Total shareholders’ equity | 3,191a | 3,186a |
| Total liabilities and shareholders’ equity | 25,910a | 24,294a |
| Cash and cash equivalents | 424a | 1,011a |
| Investment securities (includes available-for-sale securities with a fair value and an amortized cost basis of $1.5 billion and $1.6 billion in 2024, respectively, and $1.6 billion and $1.8 billion in 2023, respectively) | 1,607a | 1,719a |
| Net finance receivables (includes loans of consolidated VIEs of $14.0 billion in 2024 and $12.8 billion in 2023) | 23,554a | 21,349a |
| Unearned insurance premium and claim reserves | -766a | -771a |
| Allowance for finance receivable losses (includes allowance of consolidated VIEs of $1.6 billion in 2024 and $1.4 billion in 2023) | -2,705a | -2,480a |
| Net finance receivables, less unearned insurance premium and claim reserves and allowance for finance receivable losses | 20,083a | 18,098a |
| Restricted cash and restricted cash equivalents (includes restricted cash and restricted cash equivalents of consolidated VIEs of $662 million in 2024 and $523 million in 2023) | 684a | 534a |
| Goodwill | 1,474a | 1,437a |
| Other intangible assets | 286a | 260a |
| Other assets | 1,317a | 1,230a |
| Total assets | 25,875a | 24,289a |
| Liabilities and shareholder’s equity | — | — |
| Long-term debt (includes debt of consolidated VIEs of $12.4 billion in 2024 and $11.6 billion in 2023) | 21,438a | 19,813a |
| Insurance claims and policyholder liabilities | 575a | 615a |
| Deferred and accrued taxes | 20a | 9a |
| Other liabilities (includes other liabilities of consolidated VIEs of $31 million in 2024 and $26 million in 2023) | 687a | 672a |
| Total liabilities | 22,720a | 21,109a |
| Shareholder’s equity | — | — |
| Common stock, par value $0.50 per share; 25,000,000 shares authorized, 10,160,021 shares issued and outstanding at December 31, 2024 and December 31, 2023 | 5a | 5a |
| Additional paid-in capital | 1,978a | 1,959a |
| Accumulated other comprehensive loss | -81a | -87a |
| Retained earnings | 1,253a | 1,303a |
| Total shareholder’s equity | 3,155a | 3,180a |
| Total liabilities and shareholder’s equity | 25,875a | 24,289a |