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Private company

TOYOTA MOTOR CREDIT CORP

TOYOTA MOTOR CREDIT CORP is an American personal credit institutions company based in Plano, active since 1982.2

Last updated Oct 21, 2026.

Overview

$2.3BNet income, fiscal 20263
  • IndustryPersonal Credit Institutions2
  • HeadquartersPlano, United States2
  • Incorporated inCA4
  • Business address6565 Headquarters Drive, W2-3D, Plano, Tx 750244
  • Filer categoryNon-accelerated filer4
  • Legal formFor-Profit Corporation General Stock2
  • LEIZ2VZBHUMB7PWWJ63I0082
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O C T CORPORATION SYSTEM, 91203 Glendale, United States2
  • Registered withSecretary of State, 11239462

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2026

12.9%Return on equity3

Financial statements

Net income563$2.3B in 2026−9% since 2022
0$1.0B$2.0B$3.0B2022: $2.5B$2.5B20222023: $979.0M$979.0M2023−61%2024: $1.5B$1.5B2024+49%2025: $1.7B$1.7B2025+17%2026: $2.3B$2.3B2026+35%
Fiscal year20222023202420252026
Operating expenses$2.3B5$3.0B6$3.4B3$3.2B3$3.2B3
Interest$1.4B5$3.1B6$4.7B3$5.8B3$5.5B3
Income before tax$3.3B5$1.3B6$1.9B3$2.2B3$3.0B3
Income tax$789.0M5$329.0M6$442.0M3$522.0M3$713.0M3
Net income$2.5B5$979.0M6$1.5B3$1.7B3$2.3B3

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Corporate structure

TOYOTA MOTOR CREDIT CORP sits at the top of its group. 16 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • TOYOTA MOTOR CREDIT CORP Plano, Texas, United States
    • Toyota Auto Conduit Trust 2024-3 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2024-4 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2024-5 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2025-1 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2025-2 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2025-3 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2025-4 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2026-1 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2026-2 Subsidiary · Plano, Texas, United States
    • TOYOTA AUTO CONDUIT TRUST 2026-3 Subsidiary · Plano, Texas, United States
    • TOYOTA LEASE CONDUIT TRUST 2025-1 Subsidiary · Plano, Texas, United States
    • TOYOTA LEASE CONDUIT TRUST 2025-2 Subsidiary · Plano, Texas, United States
    • TOYOTA LEASE CONDUIT TRUST 2025-3 Subsidiary · Plano, Texas, United States
    • TOYOTA LEASE CONDUIT TRUST 2026-1 Subsidiary · Plano, Texas, United States
    • TOYOTA MOTOR INSURANCE SERVICES, INC. Subsidiary · Plano, Texas, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0). Each entity in the chart links to its source.

What it owns

What TOYOTA MOTOR CREDIT CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$7.7B3 Mar 31, 2026$10.8B3 Mar 31, 2025−28.3%
Debt securities available for sale$1.7B3 Mar 31, 2026$1.6B3 Mar 31, 2025+7.0%
Equity securities at fair value$3.3B3 Mar 31, 2026$3.0B3 Mar 31, 2025+10.9%

Properties, in its own words

Our headquarters operations are located in Plano, Texas. Additional operations for both finance and voluntary protection products are located in three regional Experience Centers. The Central Region Experience Center is co-located with our headquarters in Plano, Texas. The Western Region Experience Center is located in Chandler, Arizona. The Eastern Region Experience Center is located in Alpharetta, Georgia. Our dealer lending function is centralized at the Central Region Experience Center. We also have a sales and operations office in Puerto Rico. All premises are occupied under lease.

We believe that our properties are suitable to meet the current requirements of our business.

Item 2 of the 10-K filed Jun 2, 2026.12

Timeline

  1. Sep 14, 20268-K Entered a material agreement; New debt or obligation13
  2. Aug 18, 20268-K Regulation FD disclosure14
  3. Jul 31, 20268-K Financial statements and exhibits15
  4. Jun 25, 20268-K Other events16
  5. Jun 22, 20268-K Regulation FD disclosure17
  6. Jun 2, 20268-K Regulation FD disclosure18
  7. May 18, 20268-K Regulation FD disclosure19
  8. Apr 3, 20268-K Other events20
  9. Apr 1, 20268-K Entered a material agreement; Ended a material agreement; New debt or obligation21
  10. Feb 18, 20268-K Regulation FD disclosure22
  11. Jan 30, 20268-K Other events23
  12. Nov 19, 20258-K Regulation FD disclosure24
  13. Oct 4, 1982Founded TOYOTA MOTOR CREDIT CORP is founded2

Filings

345 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 58 major events, 267 other. The latest 20:

  1. Oct 6, 2026424B2 EDGAR
  2. Oct 5, 2026FWP EDGAR
  3. Sep 21, 2026FWP EDGAR
  4. Sep 21, 2026424B2 EDGAR
  5. Sep 14, 20268-K EDGAR
  6. Aug 18, 20268-K EDGAR
  7. Aug 11, 2026424B2 EDGAR
  8. Aug 10, 2026FWP EDGAR
  9. Aug 4, 202610-Q EDGAR
  10. Jul 31, 20268-K EDGAR
  11. Jul 7, 2026424B2 EDGAR
  12. Jul 7, 2026FWP EDGAR
  13. Jul 7, 2026FWP EDGAR
  14. Jul 7, 2026FWP EDGAR
  15. Jun 25, 20268-K EDGAR
  16. Jun 22, 20268-K EDGAR
  17. Jun 10, 2026424B2 EDGAR
  18. Jun 9, 2026FWP EDGAR
  19. Jun 2, 202610-K EDGAR
  20. Jun 2, 20268-K FORM 8K EDGAR

The 345 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

SEC filer profile

How TOYOTA MOTOR CREDIT CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARTOYOTA MOTOR CREDIT CORP1
  • CIK0000834071
  • Employer ID (EIN)95-377581612
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company12
  • Incorporated inCalifornia12
  • Fiscal year endsMarch 311
  • Industry code (SIC)6141 Personal Credit Institutions1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address6565 Headquarters Drive, W2-3D, Plano, TX 750241
  • Phone(469) 486-90131
  • Shares outstanding91,500 as of Jul 31, 20269
  • Public float$0 as of Mar 31, 20263
  • AuditorPricewaterhouseCoopers LLP, Dallas, Texas PCAOB ID 238; no auditor attestation of internal control over financial reporting12
  • On EDGAR sinceJan 7, 19941
  • Filings2,739 in all: 424B3 (847), FWP (790), 424B2 (415), 8-K (317), 10-Q (98), 424B5 (57), 10-K (36), S-3/A (24)1
    All 43 form types

    ABS-15G (16), S-3 (16), UPLOAD (13), IRANNOTICE (12), CORRESP (11), 10-Q/A (9), 8-A12B (8), 8-K/A (7), S-3ASR (7), 15-15D (6), S-1/A (6), EFFECT (5), 10-K/A (4), CERTNYS (3), SC 13G (3), 10-K405 (2), 15-12G (2), 25 (2), 25-NSE (2), 8-A12G (2), DEL AM (2), NT 10-Q (2), POS AM (2), S-1 (2), 10-D (1), 10-KT (1), 15-12B (1), 305B2 (1), 424B1 (1), 424B4 (1), 8A12BEF (1), AW (1), CERT (1), POSASR (1), SC 13G/A (1)

  • Latest filingsAnnual report (10-K) Jun 2, 2026
    Quarterly report (10-Q) Aug 4, 2026
    Latest 8-K (8-K) Sep 14, 2026

Securities registered for trading

ClassSymbolExchange
Medium-Term Notes, Series BStated Maturity Date January 11, 2028TM/28New York Stock Exchange

From the cover page of the 10-K filed Jun 2, 2026 (Section 12(b) of the Exchange Act).12

Risk factors and legal proceedings

The risks TOYOTA MOTOR CREDIT CORP names in Item 1A of its 10-K filed Jun 2, 2026: 25 risks under these headings, as written.12

  • INDUSTRY AND BUSINESS RISK
  • General business, economic, and geopolitical conditions, as well as other market events, may adversely affect our business, results of operations and financial condition.
  • Changes in interest rates and credit spreads may adversely affect our business, results of operations and financial condition.
  • Our results of operations and financial condition are substantially dependent upon the sale of Toyota and Lexus vehicles, as well as our ability to offer competitive financing and voluntary protection products.
  • Changes in consumer behavior could affect the automotive industry, TMNA and TMC, and, as a result, our business, results of operations and financial condition.
  • Recalls and other related announcements by TMNA or private label companies could affect our business, results of operations and financial condition.
  • If we are unable to compete successfully or if competition increases in the businesses in which we operate, our results of operations could be negatively affected.
  • A failure or interruption in our operations could adversely affect our results of operations and financial condition.
  • Our private label financial services for third-party automotive and mobility companies may expose us to additional risks that could adversely affect our business, results of operations and financial condition.
  • FINANCIAL MARKET AND ECONOMIC RISKS
  • Our borrowing costs and access to the unsecured debt capital markets depend significantly on the credit ratings of TMCC and its parent companies and our credit support arrangements.
  • A disruption in our funding sources and access to the capital markets would have an adverse effect on our liquidity.
The other 15 risks
  • Our allowance for credit losses may not be adequate to cover actual losses, which may adversely affect our results of operations and financial condition.
  • Our business and operations make extensive use of quantitative models, estimates and assumptions. If our design, implementation or use of models is not adequate or if actual results differ from our estimates or assumptions, our results of operations and financial condition could be materially and adversely affected.
  • Fluctuations in the valuation of investment securities or significant fluctuations in investment market prices could negatively affect our Net financing revenues and results of operations.
  • A decrease in the residual values of our off-lease vehicles and a higher number of returned lease assets could negatively affect our results of operations and financial condition.
  • We are exposed to customer and dealer credit risk, which could negatively affect our results of operations and financial condition.
  • Our results of operations, financial condition and cash flows may be adversely affected by market risks related to changes in interest rates, foreign currency exchange rates and market prices.
  • The failure or commercial soundness of our counterparties and other financial institutions may have an effect on our liquidity, results of operations or financial condition.
  • Our voluntary protection operations could suffer losses if our reserves are insufficient to absorb actual losses.
  • We are exposed to risk transfer credit risk which could negatively impact our voluntary protection operations.
  • REGULATORY, LEGAL AND OTHER RISKS
  • A failure or interruption of our information systems could adversely affect our business, results of operations and financial condition.
  • A security breach or a cyber-attack could adversely affect our business, results of operations and financial condition.
  • Our enterprise data practices, including the collection, use, sharing, disposal and security of personal and financial information of our customers, employees, and third-party individuals are subject to increasingly complex, restrictive, and punitive laws and regulations which could adversely affect our business, results of operations and financial condition.
  • The regulatory environment in which we operate could have a material adverse effect on our business and results of operations.
  • Consumer Finance Regulation
  • Other Federal Regulation
  • Environmental, Sustainability and Other Social Related Regulation
  • Adverse economic conditions or changes in state laws in states in which we have customer concentrations may negatively affect our results of operations and financial condition.

Legal proceedings

For a discussion of legal proceedings, see Note 9 – Commitments and Contingencies of the Notes to Consolidated Financial Statements - Litigation and Governmental Proceedings.

The opening of Item 3, Legal Proceedings.12

Sources

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    SEC EDGAROther events
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    SEC EDGAROther events
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    SEC EDGAROther events
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