Debt and Pension


Ford Motor Company reports consolidated income statement and balance sheet data in its Securities and Exchanges Commission (SEC) form 10-K and 10-Q reports, reflecting data from both the Automotive and Financial Services segments of our operations.

Automotive Segment

Automotive segment operations include designing, manufacturing, marketing and servicing a full line of Ford cars, trucks, SUVs, and electrified vehicles, as well as Lincoln luxury vehicles.

Financial Services Segment

The Financial Services segment primarily consists of Ford Credit, an indirect, wholly owned subsidiary of Ford. Ford Credit offers a wide variety of automotive financing products to and through automotive dealers throughout the world. The predominant share of its business consists of financing Ford and Lincoln vehicles and supporting the dealers of those brands.

Ford Credit is a self-funding operation and its debt, which is used to fund its financing operations, is evaluated separately from Automotive segment debt both internally and by the major credit rating agencies. Ford Credit is a stand-alone registrant that files independent Form 10-K and 10-Q reports with the SEC.

The Automotive and Financial segments are managed independently, with separate balance sheets and leverage metrics. We believe that this separation best reflects the true scope of our operations.

For more information about Ford Credit, please visit credit.ford.com.