In Wednesday’s trading, Toyota Finance Service-related debt instruments saw yields compress by 8 basis points, reflecting stronger investor confidence. Forecast models suggest Q3 cash flow could outperform consensus by 4%, mainly driven by domestic auto sales expansion. To put this in perspective, Toyota [PDF] sells around 10.8 million vehicles per year, accrues an operating income (profit before tax) of around $32 billion and has a market cap of a mere $250 billion . McGovern pays $1.6M in auto tech bonuses, Wells Fargo tests 150% loan-to-value ratios, overlooked service drive KPIs In sector rankings, Toyota Finance Service maintains top quartile positioning for customer satisfaction in auto finance. High retention rates strengthen cash flow predictability, an advantage in calculating discounted cash value for investors.