GM Balance Sheet Forecasting

Heads up that this is a bit in the weeds.

I'm looking at GM, which has a lending business in addition to selling cars.

My sense is that the best way to approach this is to treat GM Financial like a bank, in something of a SOTP analysis; but with their financials consolidated and the lending business comprising 10% of revenue, heading down that rabbit hole seems like the juice isn't quite worth the squeeze (casual modeling practice on my own time).

Looking at the balance sheet, there's a mountain of receivables and debt attributable to GM Financial like you might see for a bank, but PP&E as you would expect for consumer durables - how would you all handle this? Is there a way to shortcut to focus on the auto segment?

Thanks in advance

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