$CAT Q4’25 EARNINGS HIGHLIGHTS 🔹 Revenue: $19.1B (Est. $17.85B) 🟢 🔹 EPS: $5.16 (Est. $4.70) 🟢 🔹 Cat Financial: $949M; UP +7% YoY 🔹 Cat Financial Profit: $139M; DOWN -61% YoY 🔹 Cat Financial Retail New Business Volume: $4.07B; UP +10% YoY Other Metrics: 🔹 Allowance for credit losses (12/31/25): $284M (0.86% of finance receivables) 🔹 Write-offs, net of recoveries (2025): $101M (vs $115M in 2024) 🔹 Cat Financial Total Assets: $38.313B; UP +12% YoY Commentary: 🔸 “Cat Financial closed the year with strong retail new business volume and past dues at historical lows,”