Commercial truck financial services finance margin is interest and fee revenue less interest and other borrowing expenses in a captive vehicle-finance business.
PACCAR Financial Services reported a $166.3M finance margin in Q2 2026, up from $157.3M a year earlier.
Finance margin is a spread measure, not total segment profit
PACCAR's finance margin benefited from lower average debt balances and borrowing rates, while lower finance-receivable balances and yields were offsets. Currency translation and other items also affected the bridge.
Read finance margin with commercial truck financial services revenue and commercial truck financial services pretax profit. Lease economics, credit costs, operating expenses, and other items sit outside this spread measure.
Primary source: PACCAR Q2 2026 Form 10-Q filed with the SEC.
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Compare captive-finance spreads
Compare interest-and-fee revenue after borrowing expense without treating the spread as total segment profit.
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