Segment & Geographic Data
Quant-Grade Normalized (live API)
API & CSV Delivery
Ford Motor Credit Llc's Business Segments
Ford Motor Credit Llc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q2 FY2026
Reportable Segments
3
Largest Segment
United States and Canada
Total Revenue
$ 3,578
Regions Reported
-
Revenue Share by Reportable Segment - Q2 FY2026
- United States and Canada86.9%
- Europe10.8%
- Other Operating2.3%
Revenue by Reportable Segment - Q2 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| United States and Canada | $ 3,109 | 86.9% |
| Europe | $ 388 | 10.8% |
| Other Operating | $ 81 | 2.3% |
Description of Ford Motor Credit Llc
Ford Motor Credit Company LLC was incorporated in Delaware in 1959 and converted
to a limited liability company in 2007. We are an indirect, wholly owned subsidiary
of Ford Motor Company (“Ford”). Our principal executive offices are
located at One American Road, Dearborn, Michigan 48126, and our telephone number
is (313) 322-3000.
Products and Services. We offer a wide variety of automotive financing products to and through automotive dealers throughout the world. The predominant share of our business consists of financing Ford and Lincoln vehicles and supporting the dealers of those brands. We earn our revenue primarily from:
Payments made under retail installment sale and lease contracts that we originate
and purchase;
Interest rate supplements and other support payments from Ford and affiliated
companies; and
Payments made under dealer financing programs.
As a result of our financing activities, we have a large portfolio of finance receivables and operating leases which we classify into two segments: “consumer” and “non-consumer.”
Ford Motor Credit Co LLC (Ford Credit) offers a comprehensive suite of automotive financing products and services designed to meet the diverse needs of both consumers and automotive dealers globally. The companys offering is a critical part of Ford Motor Companys overall strategy, as it aims to facilitate vehicle sales and enhance customer satisfaction. Below is an extensive description of the segments, products, and services Ford Credit provides.
Segments
Ford Credits operations are broadly categorized into two main segments:
1. Consumer Financing: This segment focuses on financing products offered to individual consumers and businesses that purchase Ford and Lincoln vehicles. The consumer financing segment encompasses a wide array of products targeted to meet various financing needs.
2. Non-Consumer Financing: This segment primarily serves automotive dealers and includes financing products designed to support the operational and inventory-related needs of these dealerships.
Products and Services
Consumer Financing
1. Retail Installment Sale Contracts: These contracts enable consumers to finance the purchase of new and used Ford and Lincoln vehicles. Customers make scheduled payments over a certain period, culminating in full ownership of the vehicle.
2. Leasing Programs: Ford Credit provides direct financing leases for new vehicles to retail consumers, businesses, and various commercial customers. Leasing offers flexibility with lower monthly payments compared to traditional retail financing, making it an attractive option for many buyers.
3. Direct Financing Leases: For businesses and government entities, Ford Credit offers direct financing leases that facilitate the acquisition of vehicles for operational purposes.
4. Fleet Financing: Special financing packages for fleet vehicles cater to businesses needing to acquire multiple vehicles for operational use. This can include tailored terms and conditions to meet specific business needs.
5. Daily Rental Financing: Ford Credit also provides financing solutions to daily rental companies, allowing them to maintain a competitive edge in their operations through easy access to the latest Ford and Lincoln models.
Non-Consumer Financing
1. Wholesale Financing (Floorplan Financing): This financial product helps dealerships finance their vehicle inventory. Floorplan financing allows dealers to borrow money to purchase vehicles from Ford, with the understanding that they will sell the vehicles and repay the loan over time.
2. Working Capital Loans: Dealers can access loans that support their operational needs, covering expenses from hiring staff to increasing inventory levels.
3. Facility Improvement Financing: Ford Credit offers financial solutions to assist dealerships in making improvements to their facilities, which can enhance customer experience and operational efficiency.
4. Real Estate Financing: The company also provides loans specifically for dealerships wishing to purchase or improve dealership real estate.
5. Inventory Financing for Dealers: This includes loans to dealers for purchasing vehicle inventory and may also encompass various vehicle programs that help support dealership operations.
6. Receivables Purchases: Ford Credit purchases certain receivables from Ford and its affiliates, which may include parts and accessories sold to dealers and loans associated with used vehicles from rental fleets.
Additional Services
- Servicing Finance Receivables and Leases: Ford Credit actively manages the finance receivables and operating leases it generates, providing ongoing support to customers and dealers through service offerings.
- Insurance Services: In conjunction with its financing programs, Ford Credit also offers insurance services tailored to the needs of its customers, adding an additional layer of support during the vehicle financing process.
Geographic Scope of Operations
Ford Credit operates on a global scale, with two primary geographic segments:
1. North America: This segment includes operations in the United States and Canada. Under the brand names Ford Credit and Lincoln Automotive Financial Services, Ford Credit provides a wide array of financing services to dealerships across North America.
2. International: This segment spans various regions, including Europe, Asia Pacific, and Latin America. Notably, Ford Credit operates through subsidiaries like FCE Bank plc in Europe, which serves multiple countries. In the Asia Pacific region, operations are present in significant markets such as China and India. Latin America operations include Mexico, Brazil, and Argentina, often involving joint ventures with local financial institutions.
Conclusion
Ford Motor Credit Co LLC plays a vital role in providing supportive financial products and services that drive vehicle sales and enhance dealer and customer experiences. Through its robust financing solutions tailored for both consumers and non-consumers, Ford Credit helps facilitate the acquisition of Ford and Lincoln vehicles worldwide while contributing significantly to the overall automotive retail ecosystem.
Segments
Ford Credits operations are broadly categorized into two main segments:
1. Consumer Financing: This segment focuses on financing products offered to individual consumers and businesses that purchase Ford and Lincoln vehicles. The consumer financing segment encompasses a wide array of products targeted to meet various financing needs.
2. Non-Consumer Financing: This segment primarily serves automotive dealers and includes financing products designed to support the operational and inventory-related needs of these dealerships.
Products and Services
Consumer Financing
1. Retail Installment Sale Contracts: These contracts enable consumers to finance the purchase of new and used Ford and Lincoln vehicles. Customers make scheduled payments over a certain period, culminating in full ownership of the vehicle.
2. Leasing Programs: Ford Credit provides direct financing leases for new vehicles to retail consumers, businesses, and various commercial customers. Leasing offers flexibility with lower monthly payments compared to traditional retail financing, making it an attractive option for many buyers.
3. Direct Financing Leases: For businesses and government entities, Ford Credit offers direct financing leases that facilitate the acquisition of vehicles for operational purposes.
4. Fleet Financing: Special financing packages for fleet vehicles cater to businesses needing to acquire multiple vehicles for operational use. This can include tailored terms and conditions to meet specific business needs.
5. Daily Rental Financing: Ford Credit also provides financing solutions to daily rental companies, allowing them to maintain a competitive edge in their operations through easy access to the latest Ford and Lincoln models.
Non-Consumer Financing
1. Wholesale Financing (Floorplan Financing): This financial product helps dealerships finance their vehicle inventory. Floorplan financing allows dealers to borrow money to purchase vehicles from Ford, with the understanding that they will sell the vehicles and repay the loan over time.
2. Working Capital Loans: Dealers can access loans that support their operational needs, covering expenses from hiring staff to increasing inventory levels.
3. Facility Improvement Financing: Ford Credit offers financial solutions to assist dealerships in making improvements to their facilities, which can enhance customer experience and operational efficiency.
4. Real Estate Financing: The company also provides loans specifically for dealerships wishing to purchase or improve dealership real estate.
5. Inventory Financing for Dealers: This includes loans to dealers for purchasing vehicle inventory and may also encompass various vehicle programs that help support dealership operations.
6. Receivables Purchases: Ford Credit purchases certain receivables from Ford and its affiliates, which may include parts and accessories sold to dealers and loans associated with used vehicles from rental fleets.
Additional Services
- Servicing Finance Receivables and Leases: Ford Credit actively manages the finance receivables and operating leases it generates, providing ongoing support to customers and dealers through service offerings.
- Insurance Services: In conjunction with its financing programs, Ford Credit also offers insurance services tailored to the needs of its customers, adding an additional layer of support during the vehicle financing process.
Geographic Scope of Operations
Ford Credit operates on a global scale, with two primary geographic segments:
1. North America: This segment includes operations in the United States and Canada. Under the brand names Ford Credit and Lincoln Automotive Financial Services, Ford Credit provides a wide array of financing services to dealerships across North America.
2. International: This segment spans various regions, including Europe, Asia Pacific, and Latin America. Notably, Ford Credit operates through subsidiaries like FCE Bank plc in Europe, which serves multiple countries. In the Asia Pacific region, operations are present in significant markets such as China and India. Latin America operations include Mexico, Brazil, and Argentina, often involving joint ventures with local financial institutions.
Conclusion
Ford Motor Credit Co LLC plays a vital role in providing supportive financial products and services that drive vehicle sales and enhance dealer and customer experiences. Through its robust financing solutions tailored for both consumers and non-consumers, Ford Credit helps facilitate the acquisition of Ford and Lincoln vehicles worldwide while contributing significantly to the overall automotive retail ecosystem.