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Automotive Finance Leased Vehicle Revenue Mix

Automotive finance leased vehicle revenue mix is leased vehicle income as a percentage of captive-finance revenue under the issuer's stated revenue mix.

By Lee BaileyPublished Sep 24, 2026
Research context

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Research date
Sep 24, 2026Use the dated article and cited sources for the definition, examples, and stated limitations.
Operating-model context
20 connected conceptsPart of the reviewed Automotive Manufacturing Economics; issuer definitions remain distinct where disclosed.
Company examples
1 reviewed companyRelationships reflect supported examples, not a normalized cross-company KPI ranking.
  1. The reported 46% lease mix reconciles to the revenue table
  2. Lease revenue carries a different risk than loan interest
  3. Do not map revenue mix directly to originations
  4. Part of the Automotive Manufacturing Economics
  5. See It in Company Research
  6. Continue Research

Automotive finance leased vehicle revenue mix measures leased-vehicle income as a share of GM Financial revenue.

GM Financial reported $7.8 billion of leased-vehicle income on $17.060 billion of 2025 net sales and revenue.

The reported 46% lease mix reconciles to the revenue table

Dividing $7.8 billion by $17.060 billion gives about 45.7%, which rounds to GM's reported 46% leased-vehicle revenue mix.

GM also described retail finance charge income as 41% of revenue and commercial finance charge income as 7%, leaving a smaller residual for other income categories.

Lease revenue carries a different risk than loan interest

Leased-vehicle income depends on depreciation and residual-value assumptions in addition to customer credit performance. A 46% mix therefore says more than "almost half the revenue is financing."

Read it with used-vehicle prices and Automotive Finance Prime Origination Mix.

Do not map revenue mix directly to originations

Revenue mix reflects income recognized from the existing earning-asset portfolio. Automotive Finance Retail Sales Penetration describes current vehicle-financing penetration, a different denominator and time horizon.

Primary source: General Motors 2025 Form 10-K.

Part of the Automotive Manufacturing Economics

Connect manufacturer wholesales, dealer inventory, pricing, fleet exposure, regional profitability, cash generation, and captive-finance economics to understand automotive manufacturing performance.

Browse the full operating model in Company Analysis →
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Compare public companies

Compare captive-finance revenue mix while separating lease residual economics from loan and dealer-finance income.

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