Valuation of manufacturer with finance division

Hi, I am preparing a valuation of Deere & Compnay, ag equipment manufacturer. The thing is that the company has two key revenue streams - finance (leasing its equipment to customers, instead of outright sales) and regular sales of equipment it produces. The gains on the finance activity appears as a regular revenue line. This nature of business impacts the statements materially, as there are huge finance receivables on balance sheet, as well as huge amount of debt, almost exclusively related to the finance business, not the traditional one.

What I am wondering about is whether making a typical DCF model, with unlevered DCF including the cash from the finance activity is appropriate. One of the things is that due to the huge amount of debt and low cost of debt, WACC comes at very low level, ~3%. I am also wondering whether discounting the cash flow from both business lines at that combined WACC is correct. Unfortunately, there are not 2 separate P&Ls for both business lines, hence I cannot really run two separate DCFs.

Thanks in advance.

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