8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): April 21, 2016

General Motors Financial Company, Inc.

(Exact name of registrant as specified in its charter)

Texas	1-10667	75-2291093
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

801 Cherry Street, Suite 3500, Fort Worth, Texas 76102

(Address of principal executive offices, including Zip Code)

(817) 302-7000

(Registrant’s telephone number, including area code)

(Not Applicable)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On April 21, 2016, General Motors Financial Company, Inc. (the “Company”) issued a press release announcing the results of operations for the quarter ended March 31, 2016. A copy of the press release is attached as Exhibit 99.1 to this Current Report on Form 8-K.

In lieu of a conference call, management recorded remarks addressing the results and this recording, along with the presentation slides and quarterly press release, will be posted to the Company’s website. Materials can be accessed via the Investor Relations section of the website at www.gmfinancial.com.

Item 9.01 FINANCIAL STATEMENTS AND EXHIBITS

Exhibit No.	Description of Exhibit
99.1	Press Release dated April 21, 2016, entitled “GM Financial Reports March Quarter 2016 Operating Results”

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

		General Motors Financial Company, Inc.
		(Registrant)
Date: April 21, 2016	By:	/s/ CHRIS A. CHOATE
		Chris A. Choate
		Executive Vice President and Chief Financial Officer

EX-99.1

Exhibit 99.1

GM FINANCIAL REPORTS MARCH QUARTER 2016

OPERATING RESULTS

• March quarter net income of $164 million

• Consumer loan and lease originations of$10.9 billion for the March quarter

• End of period earning assets of $64.0 billion

• Available liquidity of $12.7 billion at quarter end

FORT WORTH, TEXAS April 21, 2016 – GENERAL MOTORS FINANCIAL COMPANY, INC.

(“GM Financial” or the “Company”) announced net income of $164 million for the quarter ended March 31, 2016, compared to $150 million for the quarter ended March 31, 2015.

Retail loan originations were $4.1 billion for the quarter ended March 31, 2016, compared to $4.4 billion for the quarter ended December 31, 2015, and $4.1 billion for the quarter ended March 31, 2015. The outstanding balance of retail finance receivables was $30.3 billion at March 31, 2016.

Operating lease originations were $6.8 billion for the quarter ended March 31, 2016, compared to $5.4 billion for the quarter ended December 31, 2015, and $3.0 billion for the quarter ended March 31, 2015. Leased vehicles, net was $24.5 billion at March 31, 2016.

The outstanding balance of commercial finance receivables was$9.2 billionatMarch 31, 2016compared to$8.4 billionat December 31, 2015 and$7.6 billion atMarch 31, 2015.

Retail finance receivables 31-60 days delinquent were3.1%of the portfolio atMarch 31, 2016and3.4% at March 31, 2015. Accounts more than 60 days delinquent were1.4%of the portfolio atMarch 31, 2016and 2015.

Annualized net credit losses were1.9%of average retail finance receivables for the quarter endedMarch 31, 2016and1.8% for the quarter ended March 31, 2015.

The Company had total available liquidity of $12.7 billion at March 31, 2016, consisting of $2.9 billion of cash and cash equivalents, $8.4 billion of borrowing capacity on unpledged eligible assets, $0.4 billion of borrowing capacity on committed unsecured lines of credit and $1.0 billion of borrowing capacity on a Junior Subordinated Revolving Credit Facility from GM.

Additionally, earnings resulting from the Company's equity investment in SAIC-GMAC, a joint venture that conducts auto finance operations in China, were $36 million for the three months ended March 31, 2016 compared to $28 million for the three months ended March 31, 2015.

About GM Financial

General Motors Financial Company, Inc. is the wholly-owned captive finance subsidiary of General Motors Company and is headquartered in Fort Worth, Texas. For more information, visit www.gmfinancial.com.

Forward-Looking Statements

Except for the historical information contained herein, the matters discussed in this news release include forward-looking statements which are our current views with respect to future events and financial performance. These forward-looking statements are subject to many assumptions, risks and uncertainties that could cause actual results to differ significantly from historical results or from those anticipated. The most significant risks are detailed from time to time in our filings and reports with the Securities and Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2015. Such risks include – but are not limited to – changes in general economic and business conditions; GM’s ability to sell new vehicles that we finance in the markets we serve in North America, Europe, Latin America and China; interest rate and currency fluctuations; our financial condition and liquidity, as well as future cash flows and earnings; competition; the effect, interpretation or application of new or existing laws, regulations, court decisions and accounting pronouncements; the availability and cost of sources of financing; the level of net charge-offs, delinquencies and prepayments on the loans and leases we originate; vehicle return rates and the residual value performance on vehicles we lease; the viability of GM-franchised dealers that are commercial loan customers; the prices at which used cars are sold in the wholesale markets; and changes in business strategy, including expansion of product lines and credit risk appetite, and acquisitions. If one or more of these risks or uncertainties materialize, or if underlying assumptions prove incorrect, actual events or results may differ materially. It is advisable not to place undue reliance on any forward-looking statements. We undertake no obligation to, and do not, publicly update or revise any forward-looking statements, except as required by federal securities laws, whether as a result of new information, future events or otherwise.

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General Motors Financial Company, Inc.

Consolidated Statements of Income

(Unaudited, Dollars in millions)

	Three Months Ended March 31,
	2016		2015
Revenue
Finance charge income	$	818	$	854
Leased vehicle income	1,184		431
Other income	73		69
Total revenue	2,075		1,354
Costs and expenses
Operating expenses	334		306
Leased vehicle expenses	893		327
Provision for loan losses	196		155
Interest expense	463		380
Total costs and expenses	1,886		1,168
Equity income	36		28
Income before income taxes	225		214
Income tax provision	61		64
Net income	$	164	$	150

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Consolidated Balance Sheets

(Unaudited, Dollars in millions)

	March 31, 2016		December 31, 2015
Assets
Cash and cash equivalents	$	2,898	$	3,061
Finance receivables, net	38,658		36,781
Leased vehicles, net	24,538		20,172
Restricted cash	2,130		1,941
Goodwill	1,195		1,189
Equity in net assets of non-consolidated affiliates	989		986
Property and equipment, net of accumulated depreciation	230		219
Deferred income taxes	251		231
Related party receivables	1,076		573
Other assets	799		751
Total assets	$	72,764	$	65,904
Liabilities and Shareholder's Equity
Liabilities
Secured debt	$	32,733	$	30,689
Unsecured debt	27,638		23,657
Accounts payable and accrued expenses	1,236		1,218
Deferred income	1,783		1,454
Deferred income taxes	161		129
Related party payables	448		362
Other liabilities	390		343
Total liabilities	64,389		57,852
Shareholder's equity	8,375		8,052
Total liabilities and shareholder's equity	$	72,764	$	65,904

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Operational and Financial Data

(Unaudited, Dollars in millions)

	Three Months Ended March 31,
	2016									2015
	North America			International			Total			North America			International			Total
Retail finance receivables originations	$	2,580		$	1,563		$	4,143		$	2,273		$	1,805		$	4,078
GM lease originations	$	6,720		$	32		$	6,752		$	3,007		$	17		$	3,024
GM new vehicle loans and leases as a percent of total loan and lease originations	89.1		%	86.5		%	88.7		%	73.8		%	85.6		%	76.8		%

	Three Months Ended March 31,
	2016						2015
	North America		International		Total		North America		International		Total
Average retail finance receivables	$	18,622	$	10,963	$	29,585	$	13,860	$	11,847	$	25,707
Average commercial finance receivables	4,109		4,510		8,619		3,140		4,497		7,637
Average finance receivables	22,731		15,473		38,204		17,000		16,344		33,344
Average leased vehicles, net	22,190		97		22,287		7,825		36		7,861
Average earning assets	$	44,921	$	15,570	$	60,491	$	24,825	$	16,380	$	41,205

	March 31, 2016						March 31, 2015
	North America		International		Total		North America		International		Total
Retail finance receivables	$	18,806	$	11,466	$	30,272	$	14,333	$	11,299	$	25,632
Commercial finance receivables	4,427		4,802		9,229		3,260		4,347		7,607
Leased vehicles	24,422		116		24,538		8,898		41		8,939
Ending earning assets	$	47,655	$	16,384	$	64,039	$	26,491	$	15,687	$	42,178

	March 31, 2016									December 31, 2015
	North America			International			Total			North America			International			Total
Retail
Retail finance receivables, net of fees(a,b)	$	18,806		$	11,466		$	30,272		$	18,148		$	10,976		$	29,124
Less: allowance for loan losses	(673		)	(123		)	(796		)	(618		)	(117		)	(735		)
Total retail finance receivables, net	18,133			11,343			29,476			17,530			10,859			28,389
Commercial
Commercial finance receivables, net of fees	4,427			4,802			9,229			4,051			4,388			8,439
Less: allowance for loan losses	(25		)	(22		)	(47		)	(23		)	(24		)	(47		)
Total commercial finance receivables, net	4,402			4,780			9,182			4,028			4,364			8,392
Total finance receivables, net	$	22,535		$	16,123		$	38,658		$	21,558		$	15,223		$	36,781

(a) Includes $1.2 billion and $1.1 billionof direct-financing leases atMarch 31, 2016 and December 31, 2015.

(b) Net of unearned income, unamortized premiums and discounts, and deferred fees and costs of $195 million and $179 million at March 31, 2016 and December 31, 2015.

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	March 31, 2016						December 31, 2015
	North America		International		Total		North America		International		Total
Allowance for loan losses as a percentage of retail finance receivables, net of fees	3.6	%	1.1	%	2.6	%	3.4	%	1.1	%	2.5	%
Allowance for loan losses as a percentage of commercial finance receivables, net of fees	0.6	%	0.5	%	0.5	%	0.6	%	0.5	%	0.6	%

	March 31, 2016						March 31, 2015
	North America		International		Total		North America		International		Total
Loan delinquency as a percent of ending retail finance receivables:
31 - 60 days	4.5	%	1.0	%	3.1	%	5.4	%	1.0	%	3.4	%
Greater than 60 days	1.6	%	0.9	%	1.4	%	1.8	%	0.9	%	1.4	%
Total	6.1	%	1.9	%	4.5	%	7.2	%	1.9	%	4.8	%

	Three Months Ended March 31,
	2016									2015
	North America			International			Total			North America			International			Total
Charge-offs	$	259		$	34		$	293		$	200		$	34		$	234
Adjustments to reflect write-offs of the contractual amounts on loans acquired with deteriorated credit quality	2			—			2			7			1			8
Total credit losses	$	261		$	34		$	295		$	207		$	35		$	242
Less: recoveries	(144		)	(11		)	(155		)	(119		)	(12		)	(131		)
Net credit losses	$	117		$	23		$	140		$	88		$	23		$	111
Net annualized credit losses as a percent of average retail finance receivables	2.5		%	0.8		%	1.9		%	2.6		%	0.8		%	1.8		%
Recoveries as a percentage of gross repossession credit losses(a)	54.1		%							57.7		%

(a) Credit losses for the International Segment primarily include the write-down of receivables to net realizable value. As a result, a calculation of recoveries as a percentage of gross credit losses is not meaningful.

	Three Months Ended March 31,
	2016						2015
	North America		International		Total		North America		International		Total
Annualized operating expenses as a percent of average earning assets(a)	1.8	%	3.5	%	2.2	%	2.6	%	3.6	%	3.0	%

(a) Excludes leased vehicle expenses.

Investor Relations contact:

Stephen Jones

Vice President, Investor Relations

(817) 302-7119

Investors@gmfinancial.com

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