Sector-wide credit tightening is less impactful for Honda Service Finance due to its diversified borrower base. Analysts expect continued margin expansion in 2024–2025 if auto sales rebound as projected. He said: “Before [the ruling] I thought this was going to be the second biggest mis-selling scandal that the country has ever seen, second only to PPI. Now I think it’s getting much closer and it has the potential to be larger. We surveyed thousands of customers about their auto warranty experiences in order to get a deeper understanding of how customers feel about each company, what's most important in the purchasing process, and more. Honda Service Finance's ADR volatility is contained at 1.1%, less than half the sector average. This attracts pension funds and asset managers seeking predictable total returns.