General Motors Financial (ACF) 8-K GM Financial Reports Full Year and December Quarter 2015

Exhibit 99.1

GM FINANCIAL REPORTS FULL YEAR AND DECEMBER QUARTER 2015

OPERATING RESULTS

• Full year net income of $646 million; December quarter net income of $131 million

• Full year retail loan and lease originations of $37.7 billion; $9.8 billion for the December quarter

• End of period earning assets of $57.7 billion

• Available liquidity of $14.7 billion at year end

FORT WORTH, TEXAS February 3, 2016 – GENERAL MOTORS FINANCIAL COMPANY, INC.

(“GM Financial” or the “Company”) announced net income of $131 million for the quarter ended December 31, 2015, compared to $59 million for the quarter ended December 31, 2014. Earnings for the year ended December 31, 2015 were $646 million, compared to $537 million for the year ended December 31, 2014.

Retail loan originations were $4.4 billion for the quarter ended December 31, 2015, compared to $4.7 billion for the quarter ended September 30, 2015, and $4.0 billion for the quarter ended December 31, 2014. Retail loan originations for the year ended December 31, 2015 were $17.5 billion, compared to $15.1 billion for the year ended December 31, 2014. The outstanding balance of retail finance receivables was $29.1 billion at December 31, 2015.

Operating lease originations were $5.4 billion for the quarter ended December 31, 2015, compared to $6.2 billion for the quarter ended September 30, 2015, and $2.1 billion for the quarter ended December 31, 2014. Operating lease originations for the year ended December 31, 2015 were $20.2 billion, compared to $6.2 billion for the year ended December 31, 2014. Leased vehicles, net was $20.2 billion at December 31, 2015.

The outstanding balance of commercial finance receivables was $8.4 billion at December 31, 2015 compared to $8.1 billion at December 31, 2014.

Retail finance receivables 31-to-60 days delinquent were 4.2% of the portfolio at December 31, 2015, and 2014. Accounts more than 60 days delinquent were 1.6% of the portfolio at December 31, 2015, compared to 1.7% at December 31, 2014.

Annualized net credit losses were 2.2% of average retail finance receivables for the quarter ended December 31, 2015 and 2014. For the year ended December 31, 2015 and 2014, annualized retail net credit losses were 1.9%.

The Company had total available liquidity of $14.7 billion at December 31, 2015, consisting of $3.1 billion of cash and cash equivalents, $9.7 billion of borrowing capacity on unpledged eligible assets, $0.9 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.

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, 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 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

2

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.

3

General Motors Financial Company, Inc.

Consolidated Statements of Income

(Dollars in millions)

	Three Months Ended December 31,				Year Ended December 31,
	2015		2014		2015		2014
Revenue
Finance charge income	$	837	$	880	$	3,381	$	3,475
Leased vehicle income		980		355		2,807		1,090
Other income		61		70		266		289
Total revenue		1,878		1,305		6,454		4,854
Costs and expenses
Operating expenses		348		316		1,293		1,162
Leased vehicle expenses		777		284		2,200		847
Provision for loan losses		184		196		624		604
Interest expense		433		389		1,616		1,426
Total costs and expenses		1,742		1,185		5,733		4,039
Equity income		31		—		116		—
Income before income taxes		167		120		837		815
Income tax provision		36		61		191		278
Net income	$	131	$	59	$	646	$	537

4

Consolidated Balance Sheets

(Dollars in millions)

	December 31, 2015		December 31, 2014
Assets
Cash and cash equivalents	$	3,061	$	2,974
Finance receivables, net		36,781		33,000
Leased vehicles, net		20,172		7,060
Restricted cash		1,941		2,071
Goodwill		1,189		1,244
Equity in net assets of non-consolidated affiliates		986		—
Property and equipment, net of accumulated depreciation		219		172
Deferred income taxes		231		341
Related party receivables		573		384
Other assets		751		362
Total assets	$	65,904	$	47,608
Liabilities and Shareholder’s Equity
Liabilities
Secured debt	$	30,689	$	25,173
Unsecured debt		23,657		12,142
Accounts payable and accrued expenses		1,218		1,002
Deferred income		1,454		392
Deferred income taxes		129		20
Related party taxes payable		—		636
Related party payables		362		433
Other liabilities		343		418
Total liabilities		57,852		40,216
Shareholder’s equity		8,052		7,392
Total liabilities and shareholder’s equity	$	65,904	$	47,608

5

Operational and Financial Data

(Unaudited, Dollars in millions)

	Three Months Ended December 31,
	2015									2014
	North America			International			Total			North America			International			Total
Retail finance receivables originations	$	2,861		$	1,569		$	4,430		$	1,934		$	2,022		$	3,956
GM lease originations	$	5,366		$	22		$	5,388		$	2,068		$	24		$	2,092
GM new vehicle loans and leases as a percent of total loan and lease originations		88.0	%		86.8	%		87.8	%		69.3	%		86.6	%		75.2	%
	Year Ended December 31,
	2015									2014
	North America			International			Total			North America			International			Total
Retail finance receivables originations	$	10,931		$	6,606		$	17,537		$	6,808		$	8,277		$	15,085
GM lease originations	$	20,121		$	78		$	20,199		$	6,132		$	37		$	6,169
GM new vehicle loans and leases as a percent of total loan and lease originations		84.3	%		85.3	%		84.5	%		64.8	%		87.3	%		73.6	%
	Three Months Ended December 31,
	2015									2014
	North America			International			Total			North America			International			Total
Average retail finance receivables	$	17,479		$	11,029		$	28,508		$	13,038		$	12,515		$	25,553
Average commercial finance receivables		3,857			4,374			8,231			2,789			4,663			7,452
Average finance receivables		21,336			15,403			36,739			15,827			17,178			33,005
Average leased vehicles, net		18,478			78			18,556			6,385			21			6,406
Average earning assets	$	39,814		$	15,481		$	55,295		$	22,212		$	17,199		$	39,411

6

	Year Ended December 31,
	2015						2014
	North America		International		Total		North America		International		Total
Average retail finance receivables	$	15,688	$	11,509	$	27,197	$	12,205	$	12,568	$	24,773
Average commercial finance receivables		3,465		4,364		7,829		2,384		4,653		7,037
Average finance receivables		19,153		15,873		35,026		14,589		17,221		31,810
Average leased vehicles, net		13,033		57		13,090		4,867		7		4,874
Average earning assets	$	32,186	$	15,930	$	48,116	$	19,456	$	17,228	$	36,684

	December 31, 2015						December 31, 2014
	North America		International		Total		North America		International		Total
Retail finance receivables(a)	$	18,148	$	10,976	$	29,124	$	13,409	$	12,263	$	25,672
Commercial finance receivables		4,051		4,388		8,439		3,180		4,892		8,072
Leased vehicles		20,086		86		20,172		7,029		31		7,060
Ending earning assets	$	42,285	$	15,450	$	57,735	$	23,618	$	17,186	$	40,804

(a) December 31, 2014 retail finance receivables include the outstanding balance of the pre-acquisition portfolio

	December 31, 2015									December 31, 2014
	North America			International			Total			North America			International			Total
Retail
Retail finance receivables, net of fees(a,b)	$	18,148		$	10,976		$	29,124		$	13,361		$	12,262		$	25,623
Less: allowance for loan losses		(618	)		(117	)		(735	)		(577	)		(78	)		(655	)
Total retail finance receivables, net		17,530			10,859			28,389			12,784			12,184			24,968
Commercial
Commercial finance receivables, net of fees		4,051			4,388			8,439			3,180			4,892			8,072
Less: allowance for loan losses		(23	)		(24	)		(47	)		(21	)		(19	)		(40	)
Total commercial finance receivables, net		4,028			4,364			8,392			3,159			4,873			8,032
Total finance receivables, net	$	21,558		$	15,223		$	36,781		$	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 December 31, 2015 and 2014.

(b) Net of unamortized premiums and discounts, and deferred fees and costs of $179 million and $245 million at December 31, 2015 and 2014

7

	December 31, 2015									December 31, 2014
	North America			International			Total			North America			International			Total
Allowance for loan losses as a percentage of retail finance receivables, net of fees		3.4	%		1.1	%		2.5	%		4.4	%		0.6	%		2.6	%
Allowance for loan losses as a percentage of commercial finance receivables, net of fees		0.6	%		0.5	%		0.6	%		0.7	%		0.4	%		0.5	%

	December 31, 2015									December 31, 2014
	North America			International			Total			North America			International			Total
Loan delinquency as a percent of ending retail finance receivables:
31 - 60 days		6.3	%		0.8	%		4.2	%		7.4	%		0.7	%		4.2	%
Greater than 60 days		2.2	%		0.8	%		1.6	%		2.5	%		0.8	%		1.7	%
Total		8.5	%		1.6	%		5.8	%		9.9	%		1.5	%		5.9	%

	Three Months Ended December 31,
	2015									2014
	North America			International(a)			Total			North America			International(a)			Total
Charge-offs	$	250		$	36		$	286		$	233		$	36		$	269
Adjustments to reflect write-offs of the contractual amounts on loans acquired with deteriorated credit quality		3			—			3			11			(1	)		10
Total credit losses	$	253		$	36		$	289		$	244		$	35		$	279
Less: recoveries		(123	)		(11	)		(134	)		(126	)		(11	)		(137	)
Net credit losses	$	130		$	25		$	155		$	118		$	24		$	142
Net annualized credit losses as a percent of average retail finance receivables:		3.0	%		0.9	%		2.2	%		3.6	%		0.8	%		2.2	%
Recoveries as a percentage of gross repossession credit losses:		53.4	%								53.1	%

(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.

8

	Year Ended December 31,
	2015									2014
	North America			International(a)			Total			North America			International(a)			Total
Charge-offs	$	859		$	137		$	996		$	776		$	138		$	914
Adjustments to reflect write-offs of the contractual amounts on loans acquired with deteriorated credit quality		18			1			19			63			6			69
Total credit losses	$	877		$	138		$	1,015		$	839		$	144		$	983
Less: recoveries		(465	)		(47	)		(512	)		(465	)		(56	)		(521	)
Net credit losses	$	412		$	91		$	503		$	374		$	88		$	462
Net annualized credit losses as a percent of average retail finance receivables:		2.6	%		0.8	%		1.9	%		3.1	%		0.7	%		1.9	%
Recoveries as a percentage of gross repossession credit losses:		56.4	%								57.3	%

(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 December 31,
	2015									2014
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.0	%		3.6	%		2.5	%		2.7	%		3.8	%		3.2	%

	Year Ended December 31,
	2015									2014
	North America			International			Total			North America			International			Total
Annualized operating expenses as a percent of average earning assets(a)		2.3	%		3.5	%		2.7	%		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

9