Ford Finance stock edged 1.3% higher today, closing at $12.78, buoyed by stronger-than-expected Q4 auto loan growth. Analysts are watching debt-to-equity levels, currently at 4.7, which remain elevated compared to the sector median. Ford said it is growing its U.S. Mobile Service fleet. In the third quarter it grew to more than 4,200 units, a 12% year-over-year gain. That means in the quarter, Ford's dealers completed over 950,000 remote service experiences, bringing the 2025 total to about 2.8 million remote services, which the automaker said offers its owners more convenience. "[BYD has] full support from the Chinese government ... they've been at this for 20 years," he said, adding the company has "a lot of good" intellectual property. Ford Finance benefited from favorable currency exchange rates in overseas operations, bolstering Q4 bottom-line performance. This factor supports current upward revisions.