General Motors Financial (ACF) 8-K GM Financial Reports September Quarter 2015 Operating Results

Exhibit 99.1

GM FINANCIAL REPORTS SEPTEMBER QUARTER 2015 OPERATING RESULTS

• September quarter net income of $179 million

• Consumer loan and lease originations of $10.9 billion

• End of period earning assets of $52.7 billion

• Available liquidity of $11.6 billion at quarter end

FORT WORTH, TEXASOctober 21, 2015 –GENERAL MOTORS FINANCIAL COMPANY, INC.(“GM Financial” or the “Company”) announced net income of $179 million for the quarter ended September 30, 2015, compared to $158 million for the quarter ended September 30, 2014. Earnings for the nine months ended September 30, 2015 were $515 million, compared to $478 million for the nine months ended September 30, 2014.

Consumer loan originations were $4.7 billion for the quarter ended September 30, 2015, compared to $4.3 billion for the quarter ended June 30, 2015, and $4.1 billion for the quarter ended September 30, 2014. Consumer loan originations for the nine months ended September 30, 2015 were $13.1 billion, compared to $11.1 billion for the nine months ended September 30, 2014. The outstanding balance of consumer finance receivables was $28.0 billion at September 30, 2015.

Operating lease originations were $6.2 billion for the quarter ended September 30, 2015, compared to $5.6 billion for the quarter ended June 30, 2015, and $1.8 billion for the quarter ended September 30, 2014. Operating lease originations for the nine months ended September 30, 2015 were $14.8 billion, compared to $4.1 billion for the nine months ended September 30, 2014. Leased vehicles, net was $16.9 billion at September 30, 2015.

The outstanding balance of commercial finance receivables was $7.8 billion at September 30, 2015 compared to $7.2 billion at September 30, 2014.

Consumer finance receivables 31-to-60 days delinquent were 4.0% of the portfolio at September 30, 2015, compared to 3.9% at September 30, 2014. Accounts more than 60 days delinquent were 1.6% of the portfolio at September 30, 2015, compared to 1.7% at September 30, 2014.

Annualized net credit losses were 1.9% of average consumer finance receivables for the quarter ended September 30, 2015, compared to 2.0% for the quarter ended September 30, 2014. For the nine months ended September 30, 2015, annualized consumer net credit losses were 1.7%, compared to 1.8% for the nine months ended September 30, 2014.

The Company had total available liquidity of $11.6 billion at September 30, 2015, consisting of $1.6 billion of cash and cash equivalents, $8.0 billion of borrowing capacity on unpledged eligible assets, $1.0 billion of borrowing capacity on unsecured lines of credit and $1.0 billion of borrowing capacity on a Junior Subordinated Revolving Credit Facility from GM.

On January 2, 2015, the Company completed the acquisition of Ally Financial Inc.’s 40% equity interest in SAIC-GMAC Automotive Finance Company Limited (“SAIC-GMAC”). Also on January 2, 2015, the Company sold a 5% equity interest in SAIC-GMAC to Shanghai Automotive Group Finance Company Ltd. As a result of these transactions, the Company owns a 35% equity interest in SAIC-GMAC. Income from our equity investment in SAIC-GMAC is included in our results beginning January 2, 2015.

About GM Financial

General Motors Financial Company, Inc. is the captive finance company for and a wholly-owned 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, 2014. 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 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

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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, in millions)

	Three Months Ended September 30,				Nine Months Ended September 30,
	2015		2014		2015		2014
Revenue
Finance charge income	$	842	$	883	$	2,544	$	2,595
Leased vehicle income		797		297		1,827		735
Other income		68		81		205		219
Total revenue		1,707		1,261		4,576		3,549
Costs and expenses
Operating expenses		320		297		945		846
Leased vehicle expenses		629		228		1,423		563
Provision for loan losses		144		160		440		408
Interest expense		412		368		1,183		1,037
Total costs and expenses		1,505		1,053		3,991		2,854
Equity income		29		—		85		—
Income before income taxes		231		208		670		695
Income tax provision		52		50		155		217
Net income	$	179	$	158	$	515	$	478

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Consolidated Balance Sheets

(Unaudited, in millions)

	September 30, 2015		December 31, 2014
Assets
Cash and cash equivalents	$	1,602	$	2,974
Finance receivables, net		35,074		33,000
Leased vehicles, net		16,915		7,060
Restricted cash		1,928		2,071
Goodwill		1,243		1,244
Equity in net assets of non-consolidated affiliates		978		—
Property and equipment, net of accumulated depreciation		207		172
Deferred income taxes		236		341
Related party receivables		589		384
Other assets		774		478
Total assets	$	59,546	$	47,724
Liabilities and Shareholder’s Equity
Liabilities
Secured debt	$	28,284	$	25,214
Unsecured debt		19,975		12,217
Accounts payable and accrued expenses		1,094		1,002
Deferred income		1,205		392
Deferred income taxes		84		20
Related party taxes payable		649		636
Related party payables		527		433
Other liabilities		324		418
Total liabilities		52,142		40,332
Shareholder’s equity		7,404		7,392
Total liabilities and shareholder’s equity	$	59,546	$	47,724

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Operational and Financial Data

(Unaudited, in millions)

	Three Months Ended September 30,
	2015									2014
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	3,155		$	1,586		$	4,741		$	1,957		$	2,127		$	4,084
GM lease originations	$	6,161		$	19		$	6,180		$	1,742		$	13		$	1,755
GM new vehicle loans and leases as a percent of total loan and lease originations		87.8	%		84.5	%		87.3	%		65.5	%		87.7	%		73.6	%
	Nine Months Ended September 30,
	2015									2014
	North America			International			Total			North America			International			Total
Consumer finance receivables originations	$	8,070		$	5,037		$	13,107		$	4,874		$	6,255		$	11,129
GM lease originations	$	14,755		$	56		$	14,811		$	4,064		$	13		$	4,077
GM new vehicle loans and leases as a percent of total loan and lease originations		83.0	%		84.8	%		83.3	%		62.7	%		87.6	%		73.0	%
	Three Months Ended September 30,
	2015									2014
	North America			International			Total			North America			International			Total
Average consumer finance receivables	$	16,435		$	11,396		$	27,831		$	12,383		$	12,943		$	25,326
Average commercial finance receivables		3,475			4,258			7,733			2,404			4,519			6,923
Average finance receivables		19,910			15,654			35,564			14,787			17,462			32,249
Average leased vehicles, net		14,875			66			14,941			5,299			5			5,304
Average earning assets	$	34,785		$	15,720		$	50,505		$	20,086		$	17,467		$	37,553

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	Nine Months Ended September 30,
	2015									2014
	North America			International			Total			North America			International			Total
Average consumer finance receivables	$	15,084		$	11,650		$	26,734		$	11,924		$	12,585		$	24,509
Average commercial finance receivables		3,312			4,358			7,670			2,235			4,649			6,884
Average finance receivables		18,396			16,008			34,404			14,159			17,234			31,393
Average leased vehicles, net		11,236			50			11,286			4,352			3			4,355
Average earning assets	$	29,632		$	16,058		$	45,690		$	18,511		$	17,237		$	35,748
	September 30, 2015									September 30, 2014
	North America			International			Total			North America			International			Total
Consumer finance receivables	$	16,994		$	10,993		$	27,987		$	12,674		$	12,604		$	25,278
Commercial finance receivables		3,503			4,342			7,845			2,513			4,638			7,151
Leased vehicles		16,843			72			16,915			5,785			11			5,796
Ending earning assets	$	37,340		$	15,407		$	52,747		$	20,972		$	17,253		$	38,225
	September 30, 2015									December 31, 2014
	North America			International			Total			North America			International			Total
Consumer
Consumer finance receivables, net of fees(a)	$	16,994		$	10,993		$	27,987		$	13,361		$	12,262		$	25,623
Less: allowance for loan losses		(623	)		(95	)		(718	)		(577	)		(78	)		(655	)
Total consumer finance receivables, net		16,371			10,898			27,269			12,784			12,184			24,968
Commercial
Commercial finance receivables, net of fees		3,503			4,342			7,845			3,180			4,892			8,072
Less: allowance for loan losses		(21	)		(19	)		(40	)		(21	)		(19	)		(40	)
Total commercial finance receivables, net		3,482			4,323			7,805			3,159			4,873			8,032
Total finance receivables, net	$	19,853		$	15,221		$	35,074		$	15,943		$	17,057		$	33,000

(a) Amounts reported in the International Segment include $1.1 billion and $1.0 billion of direct-financing leases at September 30, 2015 and December 31, 2014.

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	September 30, 2015									December 31, 2014
	North America			International			Total			North America			International			Total
Allowance for loan losses as a percentage of consumer finance receivables, net of fees		3.7	%		0.9	%		2.6	%		4.4	%		0.6	%		2.6	%
Allowance for loan losses as a percentage of commercial finance receivables, net of fees		0.6	%		0.4	%		0.5	%		0.7	%		0.4	%		0.5	%
	September 30, 2015									September 30, 2014
	North America			International			Total			North America			International			Total
Loan delinquency as a percent of ending consumer finance receivables:
31 - 60 days		6.1	%		0.9	%		4.0	%		6.8	%		0.9	%		3.9	%
Greater than 60 days		2.1	%		0.8	%		1.6	%		2.4	%		1.0	%		1.7	%
Total		8.2	%		1.7	%		5.6	%		9.2	%		1.9	%		5.6	%
	Three Months Ended September 30,
	2015									2014
	North America			International(a)			Total			North America			International(a)			Total
Charge-offs	$	221		$	35		$	256		$	194		$	36		$	230
Adjustments to reflect write-offs of the contractual amounts on loans acquired with deteriorated credit quality		4			—			4			13			2			15
Total Credit Losses	$	225		$	35		$	260		$	207		$	38		$	245
Less: recoveries		(117	)		(13	)		(130	)		(106	)		(12	)		(118	)
Net credit losses	$	108		$	22		$	130		$	101		$	26		$	127
Net annualized credit losses as a percent of average consumer finance receivables:		2.6	%		0.8	%		1.9	%		3.2	%		0.8	%		2.0	%
Recoveries as a percentage of gross repossession credit losses:		56.2	%								56.6	%

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

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	Nine Months Ended September 30,
	2015									2014
	North America			International(a)			Total			North America			International(a)			Total
Charge-offs	$	609		$	101		$	710		$	543		$	102		$	645
Adjustments to reflect write-offs of the contractual amounts on loans acquired with deteriorated credit quality		15			1			16			52			7			59
Total Credit Losses	$	624		$	102		$	726		$	595		$	109		$	704
Less: recoveries		(342	)		(36	)		(378	)		(339	)		(45	)		(384	)
Net credit losses	$	282		$	66		$	348		$	256		$	64		$	320
Net annualized credit losses as a percent of average consumer finance receivables:		2.5	%		0.8	%		1.7	%		2.9	%		0.7	%		1.8	%
Recoveries as a percentage of gross repossession credit losses:		57.5	%								59.0	%

(a) Credit losses for the International Segment primarily include the write-down of defaulted 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 September 30,
	2015									2014
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.1	%		3.4	%		2.5	%		2.8	%		3.6	%		3.1	%
	Nine Months Ended September 30,
	2015									2014
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.4	%		3.5	%		2.8	%		2.8	%		3.6	%		3.2	%

(a) Excludes leased vehicle expenses.

Investor Relations contact:

Stephen Jones

Vice President, Investor Relations

(817) 302-7119

Investors@gmfinancial.com

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