HILTON GRAND VACATIONS INC., 10-K filed on 2/26/2026
Annual Report
v3.25.4
Cover - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Feb. 19, 2026
Jun. 30, 2025
Cover [Abstract]      
Document Type 10-K    
Document Annual Report true    
Document Period End Date Dec. 31, 2025    
Current Fiscal Year End Date --12-31    
Document Transition Report false    
Entity File Number 001-37794    
Entity Registrant Name Hilton Grand Vacations Inc.    
Entity Incorporation, State or Country Code DE    
Entity Tax Identification Number 81-2545345    
Entity Address, Address Line One 6355 MetroWest Boulevard    
Entity Address, Address Line Two Suite 180    
Entity Address, City or Town Orlando    
Entity Address, State or Province FL    
Entity Address, Postal Zip Code 32835    
City Area Code 407    
Local Phone Number 613-3100    
Title of 12(b) Security Common Stock, $0.01 par value per share    
Trading Symbol HGV    
Security Exchange Name NYSE    
Entity Well-known Seasoned Issuer Yes    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Interactive Data Current Yes    
Entity Filer Category Large Accelerated Filer    
Entity Small Business false    
Entity Emerging Growth Company false    
ICFR Auditor Attestation Flag true    
Document Financial Statement Error Correction false    
Entity Shell Company false    
Entity Public Float     $ 3,607
Entity Common Stock, Shares Outstanding   81,423,992  
Documents Incorporated by Reference The registrant has incorporated by reference into Part III of this report certain portions of its proxy statement for its 2026 annual meeting of stockholders, which is expected to be filed pursuant to Regulation 14A within 120 days after the end of the registrant’s fiscal year ended December 31, 2025.    
Entity Central Index Key 0001674168    
Document Fiscal Year Focus 2025    
Document Fiscal Period Focus FY    
Amendment Flag false    
v3.25.4
Audit Information
12 Months Ended
Dec. 31, 2025
Auditor [Abstract]  
Auditor Firm ID 42
Auditor Name Ernst & Young LLP
Auditor Location Orlando, Florida
v3.25.4
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and cash equivalents $ 239 $ 328
Restricted cash 332 438
Accounts receivable, net 270 315
Timeshare financing receivables, net 3,115 3,006
Inventory 2,522 2,244
Property and equipment, net 859 792
Operating lease right-of-use assets, net 72 84
Investments in unconsolidated affiliates 63 73
Goodwill 1,985 1,985
Intangible assets, net 1,670 1,787
Other assets 410 390
TOTAL ASSETS (variable interest entities - $2,601 in 2025 and $2,192 in 2024) 11,537 11,442
LIABILITIES AND EQUITY    
Accounts payable, accrued expenses and other 1,018 1,125
Advanced deposits 228 226
Debt, net 4,545 4,601
Non-recourse debt, net 2,716 2,318
Operating lease liabilities 89 100
Deferred revenues 637 252
Deferred income tax liabilities 864 925
Total liabilities (variable interest entities - $2,824 in 2025 and $2,318 in 2024) 10,097 9,547
Commitments and contingencies - see Note 23
Equity:    
Preferred stock, $0.01 par value; 300,000,000 authorized shares, none issued or outstanding as of December 31, 2025 and 2024 0 0
Common stock, $0.01 par value; 3,000,000,000 authorized shares, 83,133,678 shares issued and outstanding as of December 31, 2025, and 96,720,179 shares issued and outstanding as of December 31, 2024 1 1
Additional paid-in capital 1,276 1,399
Accumulated retained earnings 34 352
Accumulated other comprehensive loss (22) 0
Total stockholders' equity 1,289 1,752
Noncontrolling interest 151 143
Total equity 1,440 1,895
TOTAL LIABILITIES AND EQUITY $ 11,537 $ 11,442
v3.25.4
CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
ASSETS    
Total assets $ 11,537 $ 11,442
LIABILITIES AND EQUITY    
Total liabilities $ 10,097 $ 9,547
Equity:    
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, shares authorized (in shares) 300,000,000 300,000,000
Preferred stock, shares issued (in shares) 0 0
Preferred stock, shares outstanding (in shares) 0 0
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, shares authorized (in shares) 3,000,000,000 3,000,000,000
Common stock, shares issued (in shares) 83,133,678 96,720,179
Common stock, shares outstanding (in shares) 83,133,678 96,720,179
Variable Interest Entities    
ASSETS    
Total assets $ 2,601 $ 2,192
LIABILITIES AND EQUITY    
Total liabilities $ 2,824 $ 2,318
v3.25.4
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Revenues      
Total revenues $ 5,047 $ 4,981 $ 3,978
Expenses      
General and administrative 215 199 194
Depreciation and amortization 273 268 213
Impairment expense 3 2 3
Total operating expenses 4,587 4,523 3,365
Interest expense (311) (329) (178)
Equity in earnings from unconsolidated affiliates 19 18 12
Other gain (loss), net 7 (11) 2
Income before income taxes 175 136 449
Income tax expense (76) (76) (136)
Net income 99 60 313
Net income attributable to noncontrolling interest 18 13 0
Net income attributable to stockholders $ 81 $ 47 $ 313
Earnings per share attributable to stockholders:      
Basic (in dollars per share) $ 0.90 $ 0.46 $ 2.84
Diluted (in dollars per share) $ 0.89 $ 0.45 $ 2.80
Sales of VOIs, net      
Revenues      
Total revenues $ 1,812 $ 1,909 $ 1,416
Fee-for-service commissions, package sales and other fees      
Revenues      
Total revenues 664 637 634
Financing      
Revenues      
Total revenues 513 464 307
Expenses      
Expenses 215 188 99
Resort and club management      
Revenues      
Total revenues 778 722 569
Expenses      
Expenses 227 211 177
Rental and ancillary services      
Revenues      
Total revenues 746 733 666
Expenses      
Expenses 785 724 612
Cost reimbursements      
Revenues      
Total revenues 534 516 386
Expenses      
Expenses 534 516 386
Cost of VOI sales      
Expenses      
Expenses 152 239 194
Sales and marketing      
Expenses      
Expenses 1,871 1,768 1,281
Acquisition and integration-related expense      
Expenses      
Expenses 98 237 68
License fee expense      
Expenses      
Expenses $ 214 $ 171 $ 138
v3.25.4
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Statement of Comprehensive Income [Abstract]      
Net income $ 99 $ 60 $ 313
Derivative instrument adjustments, net of tax (14) (4) (16)
Foreign currency translation adjustments, net of tax (8) (13) (6)
Other comprehensive loss, net of tax (22) (17) (22)
Comprehensive income 77 43 291
Comprehensive income attributable to noncontrolling interest 18 13 0
Comprehensive income attributable to stockholders $ 59 $ 30 $ 291
v3.25.4
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Operating Activities      
Net income $ 99 $ 60 $ 313
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation and amortization 273 268 213
Amortization of deferred financing costs, acquisition premiums and other 73 83 33
Provision for loan losses 442 377 171
Impairment expense 3 2 3
Other (gain) loss, net (7) 11 (2)
Share-based compensation 64 47 40
Deferred income tax benefit (56) (29) (23)
Equity in earnings from unconsolidated affiliates (19) (18) (12)
Return on investment in unconsolidated affiliates 28 16 16
Net changes in assets and liabilities, net of effects of acquisitions:      
Accounts receivable, net 57 224 10
Timeshare financing receivables (669) (563) (315)
Inventory (120) (78) (64)
Purchases and development of real estate for future conversion to inventory (96) (127) (39)
Other assets (54) (8) (8)
Accounts payable, accrued expenses and other (105) 21 (86)
Advanced deposits 2 6 29
Deferred revenues 385 17 33
Net cash provided by operating activities 300 309 312
Investing Activities      
Acquisitions, net of cash, cash equivalents and restricted cash acquired 0 (1,444) (74)
Capital expenditures for property and equipment (excluding inventory) (70) (42) (31)
Software capitalization costs (76) (84) (44)
Other 0 (1) (9)
Net cash used in investing activities (146) (1,571) (158)
Financing Activities      
Proceeds from debt 2,789 2,758 758
Proceeds from non-recourse debt 3,738 1,849 868
Repayment of debt (2,907) (1,353) (373)
Repayment of non-recourse debt (3,334) (1,590) (694)
Payment of debt issuance costs (27) (62) (7)
Repurchase and retirement of common stock (600) (432) (368)
Payment of withholding taxes on vesting of restricted stock units (9) (21) (14)
Proceeds from employee stock plan purchases 15 12 8
Proceeds from stock option exercises 13 7 9
Distributions to noncontrolling interest holder (10) (10) 0
Other (6) (2) (4)
Net cash (used in) provided by financing activities (338) 1,156 183
Effect of changes in exchange rates on cash, cash equivalents and restricted cash (11) (13) (7)
Net (decrease) increase in cash, cash equivalents and restricted cash (195) (119) 330
Cash, cash equivalents and restricted cash, beginning of year 766 885 555
Cash, cash equivalents and restricted cash, end of year 571 766 885
Less: Restricted cash 332 438 296
Cash and cash equivalents $ 239 $ 328 $ 589
v3.25.4
CONSOLIDATED STATEMENTS OF EQUITY - USD ($)
$ in Millions
Total
Common Stock
Additional Paid-in Capital
Accumulated Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Noncontrolling Interest
Beginning balance (in shares) at Dec. 31, 2022   113,000,000        
Beginning balance at Dec. 31, 2022 $ 2,151 $ 1 $ 1,582 $ 529 $ 39 $ 0
Increase (Decrease) in Equity [Roll Forward]            
Net income 313     313    
Activity related to share-based compensation (in shares)   1,000,000        
Activity related to share-based compensation 35   35      
Employee stock plan issuance 8   8      
Foreign currency translation adjustments, net of tax (6)       (6)  
Derivative instrument adjustments, net of tax (16)       (16)  
Repurchase and retirement of common stock (in shares)   (8,000,000)        
Repurchase and retirement of common stock (370)   (121) (249)    
Ending balance (in shares) at Dec. 31, 2023   106,000,000        
Ending balance at Dec. 31, 2023 2,115 $ 1 1,504 593 17 0
Increase (Decrease) in Equity [Roll Forward]            
Net income 60     47   13
Acquisition of noncontrolling interest 140         140
Distributions to noncontrolling interest holder (10)         (10)
Activity related to share-based compensation (in shares)   1,000,000        
Activity related to share-based compensation 32   32      
Employee stock plan issuance 12   12      
Foreign currency translation adjustments, net of tax (13)       (13)  
Derivative instrument adjustments, net of tax (4)       (4)  
Repurchase and retirement of common stock (in shares)   (10,000,000)        
Repurchase and retirement of common stock $ (437)   (149) (288)    
Ending balance (in shares) at Dec. 31, 2024 96,720,179 97,000,000        
Ending balance at Dec. 31, 2024 $ 1,895 $ 1 1,399 352 0 143
Increase (Decrease) in Equity [Roll Forward]            
Net income 99     81   18
Distributions to noncontrolling interest holder (10)         (10)
Activity related to share-based compensation (in shares)   1,000,000        
Activity related to share-based compensation 68   68      
Employee stock plan issuance 15   15      
Foreign currency translation adjustments, net of tax (8)       (8)  
Derivative instrument adjustments, net of tax (14)       (14)  
Repurchase and retirement of common stock (in shares)   (15,000,000)        
Repurchase and retirement of common stock $ (605)   (206) (399)    
Ending balance (in shares) at Dec. 31, 2025 83,133,678 83,000,000        
Ending balance at Dec. 31, 2025 $ 1,440 $ 1 $ 1,276 $ 34 $ (22) $ 151
v3.25.4
ORGANIZATION AND BASIS OF PRESENTATION
12 Months Ended
Dec. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
ORGANIZATION AND BASIS OF PRESENTATION ORGANIZATION AND BASIS OF PRESENTATION
Our Business
We are a global timeshare company engaged in developing, marketing, selling, managing and operating timeshare resorts, timeshare plans and ancillary reservation services, primarily under the Hilton Grand Vacations brands. On January 17, 2024 (“Bluegreen Acquisition Date”), we completed the acquisition of Bluegreen Vacations Holding Corporation (“Bluegreen”) (the “Bluegreen Acquisition”). Our operations primarily consist of selling vacation ownership intervals and vacation ownership interests (collectively, “VOIs” or “VOI”) for us and third parties; financing and servicing loans provided to consumers for their timeshare purchases; operating resorts and timeshare plans; and managing our exchange programs through which members may receive HGV Max benefits. Together our timeshare plans and exchange programs are collectively referred to as “Clubs”.
As of December 31, 2025, we had over 200 properties located in the United States (“U.S.”), Europe, Canada, the Caribbean, Mexico, and Asia. A significant number of our properties and VOIs are concentrated in Florida, Europe, Hawaii, South Carolina, California, Arizona, Nevada, and Virginia.
Basis of Presentation
The consolidated financial statements presented herein include all of our assets, liabilities, revenues, expenses and cash flows as well as all entities in which we have a controlling financial interest. The determination of a controlling financial interest is based upon the terms of the governing agreements of the respective entities, including the evaluation of rights held by other interests. If the entity is considered to be a variable interest entity (“VIE”), we determine whether we are the primary beneficiary, and then consolidate those VIEs for which we have determined we are the primary beneficiary. If the entity in which we hold an interest does not meet the definition of a VIE, we evaluate whether we have a controlling financial interest through our voting interests in the entity. We consolidate entities when we own more than 50% of the voting shares of a company or otherwise have a controlling financial interest, including Bluegreen/Big Cedar Vacations LLC (“Big Cedar”), a joint venture in which we are deemed to hold a controlling financial interest based on its 51% equity interest, its active role as the day-to-day manager of its activities, and majority voting control of its management committee. We acquired our equity interest in Big Cedar as part of the Bluegreen Acquisition. All material intercompany transactions and balances have been eliminated in consolidation. Our accompanying consolidated financial statements reflect all adjustments, including normal recurring items, considered necessary for a fair presentation.
During the first quarter of 2025, we renamed the line item “Sales, marketing, brand and other fees” as previously shown on the consolidated statements of income, and used elsewhere within our filing, to “Fee-for-service commissions, package sales and other fees” to better align with the underlying activity. This change did not result in any reclassification of revenues and had no impact on our consolidated results for any of the periods presented.
The consolidated financial statements reflect our financial position, results of operations and cash flows as prepared in conformity with U.S. generally accepted accounting principles (“U.S. GAAP”).
Use of Estimates
The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported and, accordingly, ultimate results could differ from those estimates.
v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Revenue Recognition
We account for revenue in accordance with Accounting Standards Codification (“ASC”) Topic 606. Revenue is recognized upon the transfer of control of promised goods or services to customers in an amount that reflects the consideration we expect to receive in exchange for those products or services. To achieve the core principle of the guidance, we take the following steps: (i) identify the contract with the customer; (ii) determine whether the promised goods or services are separate performance obligations in the contract; (iii) determine the transaction price, including considering the constraint on variable consideration; (iv) allocate the transaction price to the performance obligations in the contract based on the standalone selling price or estimated standalone selling price of the good or service; and (v) recognize revenue when (or as) we satisfy each performance obligation.
Contracts with Multiple Performance Obligations
A performance obligation is a promise in a contract to transfer a distinct good or service to the customer and is the unit of account in ASC 606. For arrangements that contain multiple goods or services, we determine whether such goods or
services are distinct performance obligations that should be accounted for separately in the arrangement, and allocate the transaction price based on the relative standalone sales price of the performance obligations. We then recognize the revenue allocated to each performance obligation as the related performance obligation is satisfied as discussed below.
Sales of VOIs, net — Customers who purchase our vacation ownership products, whether paid in cash or financed, enter into multiple contracts, which we combine and account for as a single contract. Revenue from VOI sales is recognized at the point in time when control of the VOI is transferred to the customer which is when the customer has executed a binding sales contract, collectability is reasonably assured and the applicable statutory rescission period has expired. Revenue from sales of VOIs under construction is deferred until the point in time when construction activities are deemed to be completed, occupancy of the development is permissible, and the above criteria has been met. For financed sales, we estimate the variable consideration to be received under such contracts and recognize revenue net of amounts deemed uncollectible, as the VOI is returned to inventory upon customer default. The variable consideration is estimated based on the expected value method, which is based on historical default rates, to the extent that it is probable that a significant reversal is not expected to occur. Variable consideration which has not been included within the transaction price is presented as a reserve on the financing receivable. See Note 7: Timeshare Financing Receivables for additional information regarding our estimate of variable consideration.
Vacation ownership product sales include revenue from the sale of VOIs, which in the case of the trust products, are represented by an annual or biennial allotment of points that can be utilized for vacations at resorts in our network for varying lengths of stay. Typical contracts include the sale of VOIs, certain sales incentives primarily in the form of additional points for use over a specified period of time (“Bonus Points”), and generally membership of the Clubs, each of which represent a separate and distinct performance obligation for which consideration is allocated based on the estimated stand-alone selling price of the sales incentives and membership dues. We recognize revenue related to our VOIs when collectability is reasonably assured and control passes to the customer, which occurs after the expiration of the applicable statutory rescission period.
Bonus Points are valid for a specified period of time (generally for a period between 18 and 30 months) and may be used for stays at properties within our resort network, or converted to use for hotel reservations within Hilton’s system and VOI interval exchanges with other third-party vacation ownership exchanges. At the time of the VOI sale, we estimate the fair value of sales incentives to be redeemed, including an adjustment for estimated breakage, to determine the standalone selling price of these incentives. We defer a portion of the total transaction price for the combined VOI contract as a liability for the incentives and recognize the corresponding revenue at the point in time when the customer receives the benefits of the incentives, which is upon the customer’s redemption of the Bonus Points. At that time, we also determine whether we are principal or agent for the redeemed good or service and recognize revenue on a gross or net basis accordingly.
Fee-for-service commissions, package sales and other fees — We enter into contracts with third-party developers to sell VOIs on their behalf through fee-for-service agreements for which we earn sales commissions and other fees. These commissions are variable as they are based on the sales and marketing results, which are subject to the constraint on variable consideration and resolved on a monthly basis over the contract term. We estimate such commissions to the extent that it is probable that a significant reversal of such revenue will not occur and recognize the commissions as the developer receives and consumes the benefits of the services. Any changes in these estimates would affect revenue and earnings in the period such variances are realized.
Additionally, we enter into contracts to sell prepaid vacation packages. Our obligation in such contracts is satisfied when customers stay at our properties; therefore, we recognize revenue inclusive of an estimate for expected breakage for these packages when they are redeemed.
Resort and club management — As part of our VOI sales, a majority of our customers enter into a Club arrangement which allows the member to exchange points for a number of vacation options. We manage the Clubs, receiving annual dues, transaction fees from member exchanges, and, when applicable, activation fees. The member's first year of annual dues and, when applicable, the activation fee, are payable at the time of the VOI sale.
The Club activation fee relates to a one-time fee paid by the customer at the time a customer joins one of our Clubs. Since our customers are granted the opportunity to renew their membership on an annual basis
for no additional activation fee, we defer and amortize the activation fee on a straight-line basis using a seven-year average club membership.
Annual dues for membership renewals are billed each year, and we recognize revenue from these annual dues over the period services are rendered. A member may elect to enter into an optional exchange transaction at which point the member pays their required transaction fee. This option does not represent a material right as the transactions are priced at their standalone selling price. Revenue related to the transaction is recognized when the services are rendered.
As part of our resort operations, we contract with Homeowner’s Associations (“HOAs”) to provide day-to-day-management services, including housekeeping services, operation of a reservation system, maintenance, and certain accounting and administrative services. We receive compensation for such management services, which is generally based on a percentage of costs to operate the resorts, on a monthly basis. These fees represent a form of variable consideration and are recognized over time as the HOAs receive and consume the benefits of the management services. Management fees earned related to the portion of unsold VOIs at each resort which we own are recognized on a net basis given we retain these VOIs in our inventory.
Rental and ancillary services — Our rental and ancillary services consist primarily of rental revenues on unoccupied vacation ownership units and inventory made available due to ownership exchanges through our club program and ancillary revenues. Rental revenue is recognized when occupancy has occurred. Advance deposits on the rental unit and the corresponding revenue are deferred and recognized upon the customer’s vacation stay. Ancillary revenues consist of food and beverage, retail, spa offerings and other items. We recognize ancillary revenue when goods have been provided and/or services have been rendered.
We account for rental operations of unsold VOIs, including accommodations provided through the use of our vacation sampler programs, as incidental operations. In all periods presented, incremental carrying costs exceeded incremental revenues, and all revenues and expenses are recognized in the period earned or incurred.
Cost reimbursements — As part of our management agreements with HOAs and fee-for-service developers, we receive cost reimbursements for performing the day-to-day management services, including direct and indirect costs that HOAs and developers reimburse to us. These costs primarily consist of insurance, payroll and payroll related costs for management of the HOAs and other services we provide where we are the employer and provide insurance. Cost reimbursements are based upon actual expenses with no added margin, and are billed to the HOA on a monthly basis. We recognize cost reimbursements when we incur the related reimbursable costs as the HOA receives and consumes the benefits of the management services.
We capitalize all incremental costs incurred to obtain a contract when such costs would not have been incurred if the contract had not been obtained. We elect to expense costs incurred to obtain a contract when the deferral period would be one year or less. These contract costs are recognized at the point in time that the revenue related to the incremental cost is recognized. Commissions for VOI sales for resorts under construction are expensed when the associated VOI revenue is recognized which is upon completion of the resort. These commissions are classified as Sales and marketing expense in our consolidated statements of income.
We expense indirect sales and marketing costs we incur to sell VOIs and vacation packages when incurred. Deferred selling expenses, which are direct selling costs related to a contract for which revenue has not yet been recognized, were $85 million and $24 million as of December 31, 2025 and 2024 and were included in Other assets on our consolidated balance sheets. For the year ended December 31, 2025, we recognized $5 million of expense related to costs deferred as of December 31, 2024. For the year ended December 31, 2024, we recognized $11 million of expense related to costs deferred as of December 31, 2023. For the year ended December 31, 2023, we recognized $7 million of expense related to costs deferred as of December 31, 2022.
Other than the United States, there were no countries that individually represented more than 10% of total revenues for the years ended December 31, 2025, 2024 and 2023.
For the years ended December 31, 2025, 2024 and 2023, we did not earn more than 10% of our total revenue from one customer.
We are required to collect certain taxes and fees from customers on behalf of government agencies and remit these back to the applicable governmental agencies on a periodic basis. We have a legal obligation to act as a collection agent
with respect to these taxes and fees. We do not retain these taxes and fees and, therefore, they are not included in revenues. We record a liability when the amounts are collected and relieve the liability when payments are made to the applicable taxing authority or other appropriate governmental agency.
See Note 4: Revenue from Contracts with Customers for additional information.
Business Combinations
We account for our business combinations in accordance with the acquisition method of accounting. We allocate the purchase price of an acquisition to the tangible and intangible assets acquired, liabilities assumed and noncontrolling interest based on their estimated fair values at the acquisition date. For each acquisition, we recognize goodwill as the amount in which consideration transferred for the acquired entity exceeds the fair values of net assets plus noncontrolling interest. The fair value of net assets is the fair value assigned to the assets acquired reduced by the fair value assigned to liabilities assumed. In determining the fair values of assets acquired, liabilities assumed and noncontrolling interest, we use various recognized valuation methods including discounted cash flow models, and the income, cost and market approaches. We utilize independent valuation specialists under our supervision for certain of our assignments of fair value. We record the net assets, noncontrolling interest and results of operations of an acquired entity in our consolidated financial statements from the acquisition date through period-end. We expense acquisition-related expenses as incurred and include such expenses within Acquisition and integration-related expense on our consolidated statements of income. See Note 3: Bluegreen Acquisition for additional information.
Acquired Financial Assets with Credit Deterioration
When financial assets are acquired, whether in connection with a business combination or an asset acquisition, we evaluate whether those acquired financial assets have experienced a more-than-insignificant deterioration in credit quality since origination. Financial assets that were acquired with evidence of such credit deterioration are referred to as purchased credit deteriorated (“PCD”) assets and reflect the acquirer’s assessment at the acquisition date. The evaluation of PCD assets is a qualitative assessment requiring management judgment. We consider indicators such as delinquency, FICO score deterioration, purchased credit impaired status from prior acquisition, certain account status codes which we believe are indicative of credit deterioration, foreign currency exchange risks, as well as certain loan activity such as modifications and downgrades. In addition, we consider the impact of current and forward-looking economic conditions relative to the conditions which would have existed at origination.
Acquired PCD assets are recorded at the purchase price, represented by the acquisition date fair value, and subsequently “grossed-up” by the acquirer’s acquisition date assessment of the allowance for credit losses. The purchase price and the initial allowance for credit losses collectively represent the PCD asset’s initial amortized cost basis. While the initial allowance for credit losses of PCD assets does not impact period earnings, the Company remeasures the allowance for credit losses for PCD assets during each subsequent reporting period; changes in the allowance are recognized as provision expense within period earnings. The difference over which par value of the acquired PCD assets exceeds the purchase price plus the initial allowance for credit losses is reflected as a non-credit discount (or premium) and is accreted into interest income (or as a reduction to interest income) under the effective interest method.
Acquired financial assets which are not PCD assets are also recorded at the purchase price but are not similarly “grossed-up”. The acquirer recognizes an allowance for credit losses as of the acquisition date, which is recognized with a corresponding provision expense impact within earnings. The allowance is remeasured within each subsequent reporting period in the same manner as for PCD assets, with any change in the allowance recognized as provision expense in period earnings.
We acquired PCD assets as part of the Diamond Acquisition, the Grand Islander Acquisition and the Bluegreen Acquisition, and such PCD assets are referred to as “Legacy-Diamond”, “Legacy-Grand Islander”, and “Legacy-Bluegreen”. See Note 7: Timeshare Financing Receivables for additional information.
Investments in Unconsolidated Affiliates
We account for investments in unconsolidated affiliates under the equity method of accounting when we exercise significant influence, but do not maintain a controlling financial interest over the affiliates and are not the primary beneficiary of the VIE. We evaluate our investments in affiliates for impairment when there are indicators that the fair value of our investment may be less than our carrying value. See Note 11: Investments in Unconsolidated Affiliates for additional information.
Cash and Cash Equivalents
Cash and cash equivalents include all highly liquid investments with original maturities of three months or less.
Restricted Cash
Restricted cash includes deposits received on VOI sales that are held in escrow until legal requirements of the local jurisdictions are met with regards to project construction or contract status and cash reserves required by our non-recourse debt agreements. Restricted cash also includes certain amounts collected on behalf of HOAs. See Note 5: Restricted Cash for additional information.
Accounts Receivable and Allowance for Credit Losses
Accounts receivable primarily consists of trade receivables and is reported as the customers’ outstanding balances, less any allowance for credit losses. The expected credit losses are measured using an expected-loss model that reflects the risk of loss and considers the losses expected over the outstanding period of the receivable. See Note 6: Accounts Receivable for additional information.
Cloud Computing Arrangements
We capitalize certain costs associated with cloud computing arrangements (“CCAs”). These costs are included in Other assets in our consolidated balance sheets and are expensed in the same line as the hosting arrangement in our consolidated statements of income using the straight-line method over the assets’ estimated useful lives, which is generally three to five years. We review the CCAs for impairment when circumstances indicate that their carrying amounts may not be recoverable. If the carrying value of an asset group is not recoverable, we recognize an impairment loss for the excess of carrying value over the fair value in our consolidated statements of income.
Derivative Instruments
We use derivative instruments as part of our overall strategy to manage our exposure to market risks primarily associated with fluctuations in interest rates and do not use derivatives for trading or speculative purposes. We record the derivative instrument at fair value either as an asset or liability. We assess the effectiveness of our hedging instruments quarterly and record changes in fair value in Accumulated other comprehensive loss for the effective portion of the hedge and record the ineffectiveness of a hedge immediately in earnings in our consolidated statement of income. We release the derivative’s gain or loss from accumulated other comprehensive income or loss to match the timing of the underlying hedged item's effect on earnings. See Note 15: Debt and Non-recourse Debt for additional information.
Timeshare Financing Receivables and Allowance for Financing Receivables Losses
Our timeshare financing receivables consist of loans that are secured by the underlying timeshare properties. We have two timeshare financing receivables portfolios: (i) originated and (ii) acquired. Our originated portfolio represents timeshare financing receivables that originated by the businesses that we acquired from Diamond, Grand Islander, and Bluegreen subsequent to each respective acquisition date and all HGV timeshare financing receivables. Our acquired portfolio includes all of the Legacy-Diamond, Legacy-Grand Islander and Legacy-Bluegreen timeshare financing receivables that existed as of the respective acquisition dates. We evaluate each portfolio collectively, since each holds a large group of homogeneous timeshare financing receivables, which are individually immaterial. We monitor the collectability of our receivables on an ongoing basis. There are no significant concentrations of collection risk with any individual counterparty or groups of counterparties. We use a technique referred to as static pool analysis as the basis for estimating expected defaults and determining our allowance for financing receivable losses on our timeshare financing receivables. The static pool analysis includes several years of default data through which we stratify our portfolio using certain key dimensions such as FICO scores and equity percentage at the time of sale. The adequacy of the related allowance is determined by management through analysis of the specific risk characteristics of the portfolio including assumed default rates, aging and historical write-offs of these receivables. For our originated portfolio, we record an estimate of variable consideration as a reduction of revenue from financed VOI sales at the time revenue is recognized. We record the difference between the timeshare financing receivable and the variable consideration included in the transaction price for the sale of the related VOI as an allowance for financing receivables and record the receivable net of the allowance. For our acquired portfolio, any changes to the estimates of our allowance are recorded within Financing expense on our consolidated statements of income in the period in which the change occurs. In addition, for our acquired portfolio we also develop an inventory recovery assumption to reflect the recovery value of VOIs from future potential defaults. Our estimate of inventory recovery is principally based upon the fair value of underlying VOIs and assumed default rates and is reflected as a reduction to the estimated gross allowance. Once a timeshare financing receivable within the acquired portfolio is charged-off, the loan's corresponding inventory recovery amount is reclassified from the allowance into inventory. The allowance is maintained at a level deemed adequate by management based on a periodic analysis of the mortgage portfolio.
We determine our timeshare financing receivables to be past due based on the contractual terms of the individual mortgage loans. We recognize interest income on our timeshare financing receivables as earned. The interest rate charged
on the notes correlates to the risk profile of the borrower at the time of purchase and the percentage of the purchase that is financed, among other factors. We apply payments we receive for loans, including those in non-accrual status, to amounts due in the following order: servicing fees; interest; principal; and late charges. Once a loan is 91 days past due, we cease accruing interest and reverse the accrued interest recognized up to that point. We resume interest accrual for loans for which we had previously ceased accruing interest once the loan is less than 91 days past due. We fully reserve for a timeshare financing receivable in the month following the date that the loan is 121 days past due and, subsequently, we write off the uncollectible note against the reserve once the foreclosure process, which is governed by product type and law, is complete. See Note 7: Timeshare Financing Receivables for additional information.
Inventory and Cost of Sales
Inventory includes unsold, completed VOIs and VOIs under construction. We carry our completed VOI inventory at the lower of cost or estimated fair value, less costs to sell, which can result in impairment losses and/or recoveries of previous impairments. Projects under development are under a held and use impairment model and are reviewed for indicators of impairment quarterly.
We capitalize costs directly associated with the acquisition, development and construction of a real estate project when it is probable that the project will move forward. We capitalize salary and related costs only to the extent they directly relate to the project. We capitalize interest expense, taxes and insurance costs when activities that are necessary to get the property ready for its intended use are underway. We cease capitalization of costs during prolonged gaps in development when substantially all activities are suspended or when projects are considered substantially complete. For the years ended December 31, 2025, 2024 and 2023, capitalized interest was $10 million, $10 million and $3 million.
We account for our VOI inventory and cost of VOI sales using the relative sales value method. We do not reduce inventory for the cost of VOI sales related to anticipated defaults, and accordingly, no adjustment is made when inventory is reacquired upon default of the related receivable. This results in changes in estimates within the relative sales value calculations to be accounted for as real estate inventory true-ups, which we refer to as cost of sales true-ups, and are included in Cost of VOI sales in our consolidated statements of income to retrospectively adjust the margin previously recognized subject to those estimates. Significant assumptions include future VOI sales prices, timing and volume of VOI sales, and provisions for financing receivables losses on financed sales of VOIs. Other assumptions include sales incentives, projected future cost and volume of recoveries. See Note 8: Inventory for additional information.
Property and Equipment
Property and equipment are recorded at cost and include land, buildings and leasehold improvement and furniture and equipment at our corporate offices, sales centers and management offices. Additionally, certain property and equipment is held for future conversion into inventory. Construction in progress primarily relates to development activities. Costs that are capitalized related to development activities are classified as property and equipment until they are registered for sale. Costs of improvements that extend the economic life or improve service potential are also capitalized. Capitalized costs are depreciated over their estimated useful lives. Costs for normal repairs and maintenance are expensed as incurred. Other than the United States, there were no countries that individually represented over 10% of total property and equipment, net as of December 31, 2025 and 2024.
Depreciation is recorded using the straight-line method over the assets’ estimated useful lives, which are generally as follows: buildings and improvements (eight to forty years); furniture and equipment (three to fifteen years, including our corporate jet); and computer equipment and acquired software (three years). Leasehold improvements are depreciated over the shorter of the estimated useful life, based on the estimates above, or the lease term.
We evaluate the carrying value of our property and equipment if there are indicators of potential impairment. We perform an analysis to determine the recoverability of the asset’s carrying value by comparing the expected undiscounted future cash flows to the net book value of the asset. If it is determined that the expected undiscounted future cash flows are less than the net book value of the asset, we calculate the asset’s fair value. The impairment loss recognized is equal to the amount that the net book value is in excess of fair value. Fair value is generally estimated using valuation techniques that consider the discounted cash flows of the asset using discount and capitalization rates deemed reasonable for the type of asset, as well as prevailing market conditions, appraisals, recent similar transactions in the market and, if appropriate and available, current estimated net sales proceeds from pending offers. See Note 9: Property and Equipment for additional information.
Leases
We lease sales centers, office space and equipment under lease agreements. We determine if an arrangement is a lease at inception. Amounts related to operating leases are included in Operating lease right-of-use (“ROU”) assets, net and Operating lease liabilities in our consolidated balance sheets. ROU assets are adjusted for lease incentives received.
ROU assets and operating lease liabilities are recognized based on the present value of lease payments over the lease term as of the commencement date. Because most of our leases do not provide an explicit or implicit rate of return, we use our incremental borrowing rate based on the information available at the commencement date in determining the present value of lease payments on an individual lease basis. Our incremental borrowing rate for a lease is the rate of interest we would have to pay on a collateralized basis to borrow an amount equal to the lease payments for the asset under similar terms.
We have lease agreements with lease and non-lease components, which are accounted for as a single lease component. Our operating leases may require minimum rent payments, contingent rent payments based on a percentage of revenue or income, or rental payments adjusted periodically for inflation or rent payments equal to the greater of a minimum rent or contingent rent. Our leases do not contain any residual value guarantees or material restrictive covenants. Leases with an initial term of 12 months or less are not recorded on the consolidated balance sheets and lease expense is recognized on a straight-line basis over the lease term.
We monitor events or changes in circumstances that change the timing or amount of future lease payments which results in the remeasurement of a lease liability, with a corresponding adjustment to the ROU asset. ROU assets for operating and finance leases are periodically reviewed for impairment losses under ASC 360-10, Property, Plant, and Equipment, to determine whether a ROU asset is impaired, and if so, the amount of the impairment loss to recognize. See Note 17: Leases for additional information.
Goodwill
Goodwill acquired in business combinations is assigned to the reporting units expected to benefit from the combination as of the acquisition date. We do not amortize goodwill. We evaluate goodwill for potential impairment at least annually, on October 1, or more frequently if an event or other circumstance indicates that it is more-likely-than-not that we may not be able to recover the carrying amount (book value) of the net assets of the related reporting unit. The review is based on either a qualitative assessment or a two-step impairment test. When evaluating goodwill for impairment, we may perform the optional qualitative assessment by considering factors including macroeconomic conditions, industry and market conditions, overall financial performance of our reporting units, and other relevant entity-specific events. If we bypass the qualitative assessment, or if we conclude that it is more likely than not that the fair value of a reporting unit is less than its carrying value, then we perform a quantitative impairment test by comparing the fair value of a reporting unit with its carrying amount. We recognize an impairment on goodwill if the estimated fair value of a reporting unit is less than its carrying value, in an amount not to exceed the carrying value of the reporting unit's goodwill. No goodwill impairment charges were recognized during the years ended December 31, 2025, 2024 and 2023, and there is no accumulated impairment of goodwill for any period presented in the consolidated financial statements. During the years ended December 31, 2024 and 2023, the changes in goodwill were limited to increases in goodwill resulting from the Grand Islander and Bluegreen Acquisitions and increases or decreases resulting from any related measurement period adjustments. There were no changes to goodwill or measurement period adjustments during the year ended December 31, 2025.
Intangible Assets
Our intangible assets consist of trade name, management contracts, club member relationships, marketing agreements, and other contract-related intangible assets. Additionally, we capitalize costs incurred to develop internal-use computer software, including costs incurred in connection with development of upgrades or enhancements that result in additional functionality. These capitalized costs are included in Intangible assets, net in our consolidated balance sheets. Intangible assets with finite useful lives are amortized using the straight-line method over their respective useful lives, which varies for each type of intangible, unless another amortization method is deemed to be more appropriate. In our consolidated statements of income, the amortization of these intangible assets is included in Depreciation and amortization expense.
In estimating the useful life of acquired assets, we reviewed the expected use of the assets acquired, factors that may limit the useful life of an acquired asset or may enable the extension of the useful life of an acquired asset without substantial cost, the effects of obsolescence, demand, competition and other economic factors, and the level of maintenance expenditures required to obtain the expected future cash flows from the asset.
We review all finite life intangible assets for impairment when circumstances indicate that their carrying amounts may not be recoverable. If the carrying value of an asset group is not recoverable, we recognize an impairment loss for the excess of the carrying value over the fair value in our consolidated statements of income. As of December 31, 2025 and 2024, other than goodwill, we do not have any indefinite life intangible assets. See Note 12: Intangible Assets for additional information.
Deferred Financing Costs
Deferred financing costs, including legal fees and upfront lender fees, related to the Company’s debt and non-recourse debt are deferred and amortized over the life of the respective debt using the effective interest method. The capitalized costs related to the Timeshare Facility and the Revolver are included in Other assets while the remaining capitalized costs related to all other debt instruments are included in Debt, net and Non-recourse debt, net in our consolidated balance sheets. The amortization of deferred financing costs is included in Interest expense in our consolidated statements of income. See Note 15: Debt & Non-recourse debt for additional information.
Fair Value Measurements—Valuation Hierarchy
Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants on the measurement date (an exit price). We use the three-level valuation hierarchy for classification of fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. Inputs refer broadly to the assumptions that market participants would use in pricing an asset or liability. Inputs may be observable or unobservable. Observable inputs are inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources. Unobservable inputs are inputs that reflect our own assumptions about the data market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The three-level hierarchy of inputs is summarized below:
Level 1—Valuation is based upon quoted prices (unadjusted) for identical assets or liabilities in active markets;
Level 2—Valuation is based upon quoted prices for similar assets and liabilities in active markets, or other inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the instrument; and
Level 3—Valuation is based upon unobservable inputs that are significant to the fair value measurement.
The classification of assets and liabilities within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement in its entirety. See Note 15: Debt and non-recourse debt and Note 16: Fair Value Measurements for additional information.
Currency Translation and Remeasurement
The United States dollar (“USD”) is our reporting currency and is the functional currency of the majority of our operations. For operations whose functional currency is not the USD, assets and liabilities measured in foreign currencies are translated into USD at the prevailing exchange rates in effect as of the financial statement date, and the related gains and losses are reflected within Accumulated other comprehensive loss in our consolidated balance sheets. Related income and expense accounts are translated at the average exchange rate for the period. Gains and losses from foreign exchange rate changes related to transactions denominated in a currency other than an entity’s functional currency or transactions related to intercompany receivables and payables denominated in a currency other than an entity’s functional currency that are not of a long-term investment nature are recognized as gains or losses on foreign currency transactions. These gains or losses are included in Other gain (loss), net in our consolidated statements of income.
Share-Based Compensation
Certain of our employees participated in our 2023 Omnibus Incentive Plan which compensates eligible employees and directors. The measurement objective for these equity awards is the estimated fair value at the grant date of the equity instruments that we are obligated to issue when employees have rendered the requisite service and satisfied any other conditions necessary to earn the right to benefit from the instruments. Compensation expense is based on the share-based awards granted to our employees and recognized ratably over the requisite service period and the corresponding change is recognized in Additional paid-in capital in our consolidated balance sheets. The requisite service period is the period during which an employee is required to provide service in exchange for an award. We recognize forfeitures of awards as they occur. See Note 19: Share-based Compensation for additional information.
Income Taxes
We account for income taxes using the asset and liability method. The objectives of accounting for income taxes are to recognize the amount of taxes payable or refundable for the current year and to recognize the deferred tax assets and liabilities that relate to tax consequences in future years. Deferred tax assets and liabilities result from differences between the respective tax basis of assets and liabilities and their financial reporting amounts, and tax loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which the respective temporary differences or operating loss or tax credit carryforwards are expected to be recovered or settled. The
realization of deferred tax assets is contingent upon the generation of future taxable income and other restrictions that may exist under the tax laws of the jurisdiction in which a deferred tax asset exists. Valuation allowances are provided to reduce such deferred tax assets to amounts more likely than not to be ultimately realized.
We use a prescribed recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken in a tax return. For all income tax positions, we first determine whether it is “more-likely-than-not” that a tax position will be sustained upon examination, including resolution of any related appeals or litigation processes, based on the technical merits of the position. If it is determined that a position meets the more-likely-than-not recognition threshold, the benefit recognized in the financial statements is measured as the largest amount of benefit that is greater than 50% likely of being realized upon settlement. Interest and penalties related to unrecognized tax benefits are recognized as a component of income tax expense in the accompanying consolidated statement of income. Accrued interest and penalties are included on the related tax liability line in the consolidated balance sheet.
We made an accounting policy election related to accounting for the tax effects of Net Controlled Foreign Corporation Tested Income (“NCTI”, formerly known as Global Intangible Low Taxed Income or “GILTI”) that was implemented as part of the Tax Cuts and Jobs Act of 2017 (the “Tax Act”). With regard to NCTI, we have elected to recognize any current tax as an expense in the period it is incurred. See Note 18: Income Taxes for additional information.
Earnings Per Share
Basic earnings per share (“EPS”) is calculated by dividing the earnings attributable to stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS is calculated to give effect to all potentially dilutive common shares that were outstanding during the reporting period. When there is a loss, potential common shares should not be included in the computation of diluted EPS; hence, diluted EPS would equal basic EPS in a period of loss. See Note 20: Earnings Per Share for additional information.
Defined Contribution Plan
We administer and maintain a defined contribution plan for the benefit of all employees meeting certain eligibility requirements who elect to participate in the plan. Contributions are determined based on a specified percentage of salary and bonus deferrals by participating employees. We recognized compensation expense for our participating employees totaling $37 million, $34 million and $23 million for the years ended December 31, 2025, 2024 and 2023.
Noncontrolling Interest
Noncontrolling interest reflects a third party’s ownership interest in Big Cedar that is consolidated in our consolidated financial statements but is less than 100% owned by HGV. The noncontrolling interest is recognized as equity in our consolidated balance sheet and presented separately from the equity attributable to stockholders.
    The amounts of consolidated net income and comprehensive income attributable to stockholders and noncontrolling interest are separately presented in the consolidated statements of income and comprehensive income.
Recently Issued Accounting Pronouncements
Adopted Accounting Standards
For the year ended December 31, 2025, we adopted the Financial Accounting Standards Board (“FASB”) Accounting Standards Update 2023-09 (“ASU 2023-09”), Income Taxes (Topic 740): Improvements to Income Tax Disclosures. ASU 2023-09 states that an entity must provide greater disaggregation of its effective tax rate reconciliation disclosure. The ASU also states that an entity must separately disclose net cash taxes paid between federal, state, and foreign jurisdictions. The guidance is to be applied prospectively. The impact of adoption of ASU 2023-09 was in disclosure only and did not have an impact on our consolidated balance sheets and statements of income. See Note 18: Income Taxes for additional information.
Accounting Standards Not Yet Adopted
In November 2024, the FASB issued Accounting Standards Update 2024-03 (“ASU 2024-03”), Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. ASU 2024-03 provides amendments to improve disclosure requirements of specified information about certain costs and expenses, both on an interim and annual basis. The guidance is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. The guidance should be applied either (1) prospectively or (2) retrospectively to any or all prior periods presented. The impact of adoption of
ASU 2024-03 is expected to impact disclosures only and not have a material impact on our consolidated balance sheet and statement of income.
In July 2025, the FASB issued Accounting Standards Update 2025-05 (“ASU 2025-05”), Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets. ASU 2025-05 provides a practical expedient that allows entities to estimate expected credit losses for current accounts receivable and contract assets without needing to predict future economic conditions. The guidance is to be applied prospectively and is effective for fiscal years beginning after December 15, 2025, and interim periods within those fiscal years. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
In September 2025, the FASB issued Accounting Standards Update 2025-06 (“ASU 2025-06”), Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. ASU 2025-06 provides amendments to modernize the accounting for software costs. The guidance may be applied either (1) prospectively, (2) retrospectively, or (3) using a modified transition approach with early adoption permitted. ASU 2025-06 is effective for fiscal years beginning after December 15, 2027, and interim periods within those fiscal years. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
In November 2025, the FASB issued Accounting Standards Update 2025-08 (“ASU 2025-08”), Financial Instruments—Credit Losses (Topic 326): Purchased Loans. ASU 2025-08 provides amendments that require purchased seasoned loans be accounted for using the gross-up approach at acquisition. The guidance is to be applied prospectively and is effective for fiscal years beginning after December 15, 2026 and interim periods within those fiscal years. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
In December 2025, the FASB issued Accounting Standards Update 2025-11 (“ASU 2025-11”) Interim Reporting (Topic 270): Narrow-Scope Improvements. ASU 2025-11 provides amendments to improve the navigability of the required interim disclosures and clarify when that guidance is applicable. ASU 2025-11 is effective for interim periods within annual reporting periods beginning after December 15, 2027. The guidance may be applied either (1) prospectively or (2) retrospectively to any or all prior periods presented. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
v3.25.4
BLUEGREEN ACQUISITION
12 Months Ended
Dec. 31, 2025
Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]  
BLUEGREEN ACQUISITION BLUEGREEN ACQUISITION
On January 17, 2024, we completed the Bluegreen Acquisition in an all-cash transaction, with total consideration of $1.6 billion. We accounted for the Bluegreen Acquisition as a business combination and finalized our purchase price accounting as of December 31, 2024. Please refer to our annual report on Form 10-K filed with the SEC on March 3, 2025 for additional information related to the Bluegreen Acquisition.
The following unaudited pro forma information presents the combined results of operations of HGV and Bluegreen as if we had completed the Bluegreen Acquisition on January 1, 2023, the first day of our 2023 fiscal year, but using the fair values of assets and liabilities as of the Bluegreen Acquisition Date. These unaudited pro forma results do not reflect any synergies from operating efficiencies. Accordingly, these unaudited pro forma results are presented for informational purposes only and are not necessarily indicative of what the actual results of operations of the combined company would have been if the Bluegreen Acquisition had occurred at the beginning of the period presented, nor are they indicative of future results of operations.
Year Ended December 31,
($ in millions)
2024
2023
Revenue$5,028 $5,013 
Net income
66 224 
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS
12 Months Ended
Dec. 31, 2025
Revenue from Contract with Customer [Abstract]  
REVENUE FROM CONTRACTS WITH CUSTOMERS REVENUE FROM CONTRACTS WITH CUSTOMERS
Disaggregation of Revenue
The following tables show our disaggregated revenues by product and segment from contracts with customers. We operate our business in the following two reportable segments: (i) Real estate sales and financing and (ii) Resort operations and club management. See Note 22: Business Segments for more information related to our segments.
($ in millions)
Year Ended December 31,
Real Estate Sales and Financing Segment202520242023
Sales of VOIs, net$1,812 $1,909 $1,416 
Fee-for-service commissions, package sales and other fees
664 637 634 
Interest income473 425 273 
Other financing revenue40 39 34 
Real estate sales and financing segment revenues$2,989 $3,010 $2,357 
($ in millions)
Year Ended December 31,
Resort Operations and Club Management Segment202520242023
Club management$321 $303 $240 
Resort management457 419 329 
Rental(1)
692 682 623 
Ancillary services54 51 43 
Resort operations and club management segment revenues$1,524 $1,455 $1,235 
(1)Excludes intersegment eliminations. See Note 22: Business Segments for additional information.
Receivables from Contracts with Customers and Contract Liabilities
Our accounts receivable that relates to our contracts with customers includes amounts associated with our contractual right to consideration for completed performance obligations and are settled when the related cash is received. Accounts receivable are recorded when the right to consideration becomes unconditional and is only contingent on the passage of time. Our timeshare financing receivables consist of loans related to our financing of VOI sales that are secured by the underlying timeshare properties. See Note 7: Timeshare financing receivables for additional information.
The following table provides information on our contracts with customers which are included in Accounts Receivable, net and Timeshare financing receivables, net on our consolidated balance sheets:
($ in millions)
December 31,
Receivables from contracts with customers:
20252024
Accounts receivable, net$200 $219 
Timeshare financing receivables, net(1)
3,115 3,006 
Total
$3,315 $3,225 
(1) Includes $528 million and $878 million of acquired timeshare financing receivables, net, as of December 31, 2025 and 2024.
Contract liabilities include payments received or due in advance of satisfying our performance obligations. Such contract liabilities include advance deposits received on prepaid vacation packages for future stays at our resorts, deferred revenues related to sales of VOIs of projects under construction, Club activation fees and annual dues, the liability for bonus points awarded to our customers for purchase of VOIs at our properties or properties under our fee-for-service arrangements that may be redeemed in the future and other deferred revenue.
The following table presents the composition of our contract liabilities:
($ in millions)
December 31,
Contract liabilities:20252024
Advanced deposits$228 $226 
Deferred sales of VOIs of projects under construction46092
Club activation fees and annual dues
7470
Bonus Point incentive liability(1)
113104
Other
4238
(1)This balance includes $52 million of bonus point incentive liabilities included in Accounts payable, accrued expenses and other on our consolidated balance sheets as of both December 31, 2025 and 2024. This liability is for incentives from VOI sales and sales and marketing expenses in conjunction with our fee-for-service arrangements.
Revenue earned for the year ended December 31, 2025, that was included in the contract liabilities balance at December 31, 2024 was $242 million. Revenue earned for the year ended December 31, 2024, that was included in the contract liabilities balance at December 31, 2023 was $194 million.
Transaction Price Allocated to Remaining Performance Obligations
Transaction price allocated to remaining performance obligations represents contract revenue that has not yet been recognized.
Deferred VOI sales primarily include the deferred revenues of sales associated with projects under construction. The following table presents the deferred revenue, deferred cost of VOI sales and deferred direct selling costs from sales of VOIs related to projects under construction:
December 31,
($ in millions)20252024
Sales of VOIs, net$460 $92 
Cost of VOI sales133 28 
Sales and marketing expense74 13 
During the year ended December 31, 2025, we deferred $368 million of Sales of VOI, net related to projects under construction. We expect to recognize the revenue, costs of VOI sales and direct selling costs related to the projects under construction as of December 31, 2025, upon their completion in 2026.
The following table includes the remaining transaction price related to our contract liabilities as of December 31, 2025:
($ in millions)Remaining
Transaction Price
Recognition PeriodRecognition Method
Advanced deposits$228 18 monthsUpon customer stays
Club activation fees73 7 yearsStraight-line basis over average inventory holding period
Bonus Points incentive liability
113 
18 - 30 months
Upon redemption
Annual club dues
1 year
Straight-line basis
Other
42 1 year
Straight-line basis
Revenue allocated to remaining performance obligations for HOA management fees, which includes unearned revenue and amounts expected to be invoiced and recognized as revenue over the next 12 months, was $306 million as of December 31, 2025.
v3.25.4
RESTRICTED CASH
12 Months Ended
Dec. 31, 2025
Cash and Cash Equivalents [Abstract]  
RESTRICTED CASH RESTRICTED CASH
Restricted cash was as follows:
December 31,
($ in millions)20252024
Escrow deposits on VOI sales$160 $204 
Reserves related to non-recourse debt(1)
142 193 
Other(2)
30 41 
Total$332 $438 
(1)See Note 15: Debt and Non-recourse Debt for additional information.
(2)Other restricted cash primarily includes cash collected on behalf of HOAs, deposits related to servicer arrangements and other deposits.
v3.25.4
ACCOUNTS RECEIVABLE
12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
ACCOUNTS RECEIVABLE ACCOUNTS RECEIVABLE
Accounts receivable within the scope of ASC 326 are measured at amortized cost. The following table represents our accounts receivable, net of allowance for credit losses:
December 31,
($ in millions)20252024
Fee-for-service commissions$18 $48 
Real estate and financing40 34 
Resort and club operations142 137 
Tax receivables66 89 
Other receivables
Total$270 $315 
Our accounts receivable are generally due within one year of origination. We use delinquency status and economic factors such as credit quality indicators to monitor our receivables within the scope of ASC 326 and use these as a basis for how we develop our expected loss estimates.
The changes in our allowance during the year ended December 31, 2025 were as follows:
($ in millions)
Fee-for-service commissions
Real estate and financing
Resort and club operations
Total
Balance as of December 31, 2024
$24 $49 $$74 
Current period provision for expected credit losses11 41 14 66 
Write-offs charged against the allowance(5)(28)(14)(47)
Balance at December 31, 2025
$30 $62 $$93 
v3.25.4
TIMESHARE FINANCING RECEIVABLES
12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
TIMESHARE FINANCING RECEIVABLES TIMESHARE FINANCING RECEIVABLES
We define our timeshare financing receivables portfolios as (i) originated and (ii) acquired. The following table presents the components of each portfolio by class of timeshare financing receivables:
OriginatedAcquired
($ in millions)December 31,
2025
December 31,
2024
December 31,
2025
December 31,
2024
Securitized$1,734 $1,168 $373 $641 
Unsecuritized(1)
1,931 1,764 276 443 
Timeshare financing receivables, gross$3,665 $2,932 $649 $1,084 
Unamortized non-credit acquisition premium
— — 34 62 
Less: allowance for financing receivables losses(1,078)(804)(155)(268)
Timeshare financing receivables, net$2,587 $2,128 $528 $878 
(1)Includes amounts used as collateral to secure a non-recourse revolving timeshare receivable credit facility (“Timeshare Facility”) as well as amounts held as future collateral for securitization activities.
In June 2025, we completed a securitization of $300 million of gross timeshare financing receivables and issued $166 million of 4.88% notes, $87 million of 5.18% notes, and $47 million of 5.52% notes due May 2042. The securitization transaction did not qualify as a sale and, accordingly, no gain or loss was recognized. The transaction is considered a secured borrowing, and the notes from the transaction are presented as non-recourse debt. The proceeds were used to pay down in part some of the existing debt and for other general corporate purposes.
In July 2025, we completed a securitization of ¥9.5 billion, or $65 million, of gross timeshare financing receivables with a coupon rate of 1.41% due January 2039. The collateralized timeshare notes are domiciled in Japan. The securitization transaction did not qualify as a sale and, accordingly, no gain or loss was recognized. The transaction is considered a secured borrowing, and the notes from the transaction are presented as non-recourse debt. The proceeds were used for general corporate purposes.
In August 2025, we completed a securitization of $400 million of gross timeshare financing receivables and issued $210 million of 4.54% notes, $125 million of 4.73% notes and $65 million of 5.12% notes due May 2044. The securitization transaction did not qualify as a sale and, accordingly, no gain or loss was recognized. The transaction is considered a secured borrowing, and the notes from the transaction are presented as non-recourse debt. The proceeds were used to pay down in part some of the existing debt and for other general corporate purposes.
In December 2025, we completed a securitization of $400 million of gross timeshare financing receivables and issued $141 million of 4.56% notes, $147 million of 4.90% notes, $81 million of 5.39% notes, and $31 million of 7.38% notes due October 2044. The securitization transaction did not qualify as a sale and, accordingly, no gain or loss was recognized. The transaction is considered a secured borrowing, and the notes from the transaction are presented as non-recourse debt. The proceeds were used to pay down debt and for other general corporate purposes.
See Note 10: Consolidated Variable Interest Entities and Note 15: Debt and Non-recourse Debt for additional information on our securitizations.
As of December 31, 2025 and 2024, we had timeshare financing receivables of $710 million and $455 million securing the Timeshare Facility.
We recognize interest income on our timeshare financing receivables as earned. As of December 31, 2025 and 2024, we had interest receivable outstanding of $26 million and $22 million on our originated timeshare financing receivables. As of both December 31, 2025 and 2024, we had interest receivable outstanding of $4 million and $7 million on our acquired timeshare financing receivables. Interest receivable is included in Other Assets within our consolidated balance sheets. The interest rate charged on the notes correlates to the risk profile of the customer at the time of purchase and the percentage of the purchase that is financed, among other factors. As of December 31, 2025, our originated timeshare financing receivables had interest rates ranging from 1.5% to 25.8%, a weighted-average interest rate of 14.6%, a weighted-average remaining term of 8.9 years and maturities through 2041. Our acquired timeshare financing receivables had interest rates ranging from 2.0% to 25.0%, a weighted-average interest rate of 15.0%, a weighted-average remaining term of 6.1 years and maturities through 2036.
Allowance for Financing Receivables Losses
The changes in our allowance for financing receivables losses were as follows:
($ in millions)
Originated
Acquired
Balance as of December 31, 2022$404 $338 
Provision for financing receivables losses(1)
171 (1)
Initial allowance for purchased credit deteriorated financing receivables acquired during the period(2)
— 30 
Write-offs(73)(116)
Inventory recoveries— 26 
Upgrades(3)
(2)
Balance as of December 31, 2023$500 $279 
Provision for financing receivables losses(1)
363 14 
Initial allowance for purchased credit deteriorated financing receivables acquired during the period(2)
— 157 
Write-offs(106)(258)
Inventory recoveries— 123 
Upgrades(3)
47 (47)
Balance as of December 31, 2024$804 $268 
Provision for financing receivables losses(1)
430 20 
Write-offs(187)(186)
Inventory recoveries— 84 
Upgrades(3)
31 (31)
Balance as of December 31, 2025$1,078 $155 
(1) For the Originated portfolio, this amount includes incremental provision for financing receivables losses, net of activity related to the repurchase of defaulted and upgraded timeshare financing receivables. For the Acquired portfolio, this amount includes incremental provision for credit loss expense from Acquired loans.
(2) The initial gross allowance determined for receivables with credit deterioration was $163 million as of the Bluegreen Acquisition Date and $30 million as of the Grand Islander Acquisition Date. We also reduced the initial allowance determined for receivables with credit deterioration for Legacy-Grand Islander by $6 million during the first quarter of 2024.
(3) Represents the initial change in allowance resulting from upgrades of Acquired loans. Upgraded Acquired loans and their related allowance are included in the Originated portfolio.
Originated Timeshare Financing Receivables
Our originated timeshare financing receivables as of December 31, 2025, mature as follows:
Originated Timeshare Financing Receivables
($ in millions)SecuritizedUnsecuritizedTotal
Year
2026$147 $125 $272 
2027159 130 289 
2028169 144 313 
2029178 163 341 
2030190 182 372 
Thereafter891 1,187 2,078 
Total$1,734 $1,931 $3,665 
Acquired Timeshare Financing Receivables with Credit Deterioration
Our acquired timeshare financing receivables were deemed to be purchased credit deteriorated financial assets. These notes receivable were initially recognized at their purchase price, represented by the acquisition date fair value, and subsequently “grossed-up” by our acquisition date assessment of the allowance for credit losses. The difference over which par value of the acquired purchased credit deteriorated assets exceeds the purchase price plus the initial allowance for financing receivable losses is reflected as a non-credit premium and is amortized as a reduction to interest income under the effective interest method.
See Note 2: Summary of Significant Accounting Policies for additional information on the fair value methodology for our acquired timeshare financing receivables and related allowances for credit losses.
Our acquired timeshare financing receivables as of December 31, 2025, mature as follows:
Acquired Timeshare Financing Receivables
($ in millions)SecuritizedUnsecuritizedTotal
Year
2026$61 $37 $98 
202762 38 100 
202858 39 97 
202952 39 91 
203047 36 83 
Thereafter93 87 180 
Total$373 $276 $649 
Credit Quality of Timeshare Financing Receivables
Originated Timeshare Financing Receivables
Our originated gross balances by average FICO score of our originated timeshare financing receivables were as follows:
Originated
December 31, 2025
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
FICO score
700+$1,068 $603 $43 $592 $2,306 
600-699373 340 11 176 900 
<60050 53 12 116 
No score(1)
279 22 37 343 
Total$1,770 $1,018 $92 $785 $3,665 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
Originated
December 31, 2024
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
FICO score
700+$956 $505 $23 $356 $1,840 
600-699336 287 95 723 
<60041 42 — 85 
No score(1)
249 11 21 284 
Total$1,582 $845 $49 $456 $2,932 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
The following table details our gross originated timeshare financing receivables by the origination year and average FICO score as of December 31, 2025:
Originated Timeshare Financing Receivables
($ in millions)20252024202320222021PriorTotal
FICO score
700+$1,186 $567 $239 $169 $68 $77 $2,306 
600-699410 231 115 82 30 32 900 
<60057 24 15 11 116 
No score(1)
148 101 39 20 10 25 343 
Total$1,801 $923 $408 $282 $112 $139 $3,665 
Current period gross write-offs$$46 $44 $61 $24 $10 $187 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
As of December 31, 2025 and 2024, we had ceased accruing interest on originated timeshare financing receivables with an aggregate principal balance of $430 million and $323 million. The following tables detail an aged analysis of our gross timeshare financing receivables balance:
Originated - Securitized
December 31, 2025
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$860 $478 $16 $313 $1,667 
31 - 90 days past due18 15 11 45 
91 - 120 days past due— 16 
121 days and greater past due— — 
Total$890 $499 $17 $328 $1,734 
Originated - Unsecuritized
December 31, 2025
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$655 $357 $68 $402 $1,482 
31 - 90 days past due14 14 11 41 
91 - 120 days past due— 16 
121 days and greater past due206 142 39 392 
Total$880 $519 $75 $457 $1,931 
Originated - Securitized
December 31, 2024
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$714 $279 $$135 $1,130 
31 - 90 days past due12 — 24 
91 - 120 days past due— 
121 days and greater past due— — 
Total$734 $292 $$140 $1,168 
Originated - Unsecuritized
December 31, 2024
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$683 $389 $44 $301 $1,417 
31 - 90 days past due15 15 38 
91 - 120 days past due16 
121 days and greater past due144 143 293 
Total$848 $553 $47 $316 $1,764 
Acquired Timeshare Financing Receivables
Our gross balances by average FICO score of our acquired timeshare financing receivables were as follows:
Acquired
December 31, 2025
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
FICO score
700+$85 $30 $235 $350 
600-69961 128 198 
<60012 — 17 
No score(1)
81 84 
Total$159 $120 $370 $649 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.

Acquired
December 31, 2024
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
FICO score
700+$159 $44 $385 $588 
600-699114 13 203 330 
<60025 — 33 
No score(1)
120 133 
Total$307 $177 $600 $1,084 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
The following tables details our gross acquired timeshare financing receivables by the origination year and average FICO score as of December 31, 2025:
Acquired Timeshare Financing Receivables
($ in millions)20252024202320222021PriorTotal
FICO score
700+$— $$125 $60 $48 $109 $350 
600-699— 52 34 33 75 198 
<600— — 12 17 
No score(1)
— — 19 14 42 84 
Total$— $12 $197 $109 $93 $238 $649 
Current period gross write-offs
$— $— $41 $19 $23 $103 $186 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
As of December 31, 2025 and 2024, we had ceased accruing interest on acquired timeshare financing receivables with an aggregate principal balance of $152 million and $231 million. The following tables detail an aged analysis of our gross timeshare receivables balance:
Acquired - Securitized
December 31, 2025
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$49 $66 $242 $357 
31 - 90 days past due— 
91 - 120 days past due— — 
121 days and greater past due— — 
Total$51 $66 $256 $373 
Acquired - Unsecuritized
December 31, 2025
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$36 $31 $58 $125 
31 - 90 days past due
91 - 120 days past due— 
121 days and greater past due69 22 52 143 
Total$108 $54 $114 $276 

Acquired - Securitized
December 31, 2024
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$104 $84 $418 $606 
31 - 90 days past due17 22 
91 - 120 days past due— 
121 days and greater past due
Total$111 $86 $444 $641 
Acquired - Unsecuritized
December 31, 2024
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$36 $68 $112 $216 
31 - 90 days past due
91 - 120 days past due
121 days and greater past due157 20 37 214 
Total$196 $91 $156 $443 
v3.25.4
INVENTORY
12 Months Ended
Dec. 31, 2025
Inventory Disclosure [Abstract]  
INVENTORY INVENTORY
Inventory was comprised of the following:
December 31,
($ in millions)20252024
Completed unsold VOIs$2,026 $1,898 
Construction in process495 345 
Land, infrastructure and other
Total$2,522 $2,244 
The table below presents cost of sales true-ups relating to VOI products and the related impacts to the carrying value of inventory and cost of VOI sales:
Year Ended December 31,
($ in millions)202520242023
Cost of sales true-up(1)
$40 $23 $61 
(1)Costs of sales true-up decreased cost of VOI sales and increased inventory in all periods presented.
v3.25.4
PROPERTY AND EQUIPMENT
12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
PROPERTY AND EQUIPMENT PROPERTY AND EQUIPMENT
Property and equipment were comprised of the following:
December 31,
($ in millions)20252024
Land$296 $283 
Building and leasehold improvements569 491 
Furniture and equipment191 134 
Construction in progress116 147 
1,172 1,055 
Accumulated depreciation(313)(263)
Total$859 $792 
Depreciation expense on property and equipment was $57 million, $52 million, and $51 million for the years ended December 31, 2025, 2024 and 2023.
v3.25.4
CONSOLIDATED VARIABLE INTEREST ENTITIES
12 Months Ended
Dec. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
CONSOLIDATED VARIABLE INTEREST ENTITIES CONSOLIDATED VARIABLE INTEREST ENTITIES
The activities of our consolidated VIEs are limited to purchasing qualifying non-recourse timeshare financing receivables from us and issuing debt securities and/or borrowing under a debt facility to facilitate such purchases. The timeshare financing receivables held by these entities are not available to our creditors and are not our legal assets, nor is the debt that is securitized through these entities a legal liability to us.
We have determined that we are the primary beneficiaries of the VIEs as we have the power to direct the activities that most significantly affect their economic performance. We are also the servicer of these timeshare financing receivables and often replace or repurchase timeshare financing receivables that are in default at their outstanding principal amounts.
Additionally, we have the right to receive benefits that could be significant to them. Only the assets of our VIEs are available to settle the obligations of the respective entities.
See Note 15: Debt and Non-recourse Debt for additional information regarding acquired VIEs.
Our consolidated balance sheets included the assets and liabilities of these entities, which primarily consisted of the following:
December 31,
($ in millions)20252024
Restricted cash$142 $193 
Timeshare financing receivables, net2,435 1,975 
Non-recourse debt, net2,690 2,285 
The following table shows the interest income and expense recognized as a result of our involvement with these VIEs during 2025. These amounts are included within Financing revenue and Financing expense in the consolidated statement of income.
($ in millions)
Interest income
$355 
Interest expense
100 
Debt issuance cost amortization
15 
Administrative expenses
Cash paid for interest associated with our non-recourse debt was $104 million, $90 million and $44 million for the years ended December 31, 2025, 2024 and 2023. See our consolidated statements of cash flows for additional information related to borrowings and payments on our Non-recourse debt
v3.25.4
INVESTMENTS IN UNCONSOLIDATED AFFILIATES
12 Months Ended
Dec. 31, 2025
Equity Method Investments and Joint Ventures [Abstract]  
INVESTMENTS IN UNCONSOLIDATED AFFILIATES INVESTMENTS IN UNCONSOLIDATED AFFILIATES
As of December 31, 2025 and 2024, we had ownership interests in BRE Ace LLC and 1776 Holding LLC, which are VIEs. We do not consolidate BRE Ace LLC and 1776 Holding LLC because we are not the primary beneficiary. These two unconsolidated affiliates have aggregated debt balances of $400 million and $384 million as of December 31, 2025 and 2024. The debt is secured by their assets and is without recourse to us. Our maximum exposure to loss as a result of our investment interests in these unconsolidated affiliates is primarily limited to (i) the carrying amount of the investments which totaled $63 million and $73 million as of December 31, 2025 and 2024 and (ii) receivables for commission and other fees earned under fee-for-service arrangements. See Note 21: Related Party Transactions for additional information.
During the year ended December 31, 2025, we received cash distributions of $25 million and $3 million from our investments in BRE Ace LLC and 1776 Holding LLC. During each of the years ended December 31, 2024 and 2023, we received cash distributions of $16 million from our investment in BRE Ace LLC.
For these VIEs, our investment interests are included in the consolidated balance sheets as Investments in unconsolidated affiliates, and equity earned is included in the consolidated statements of income as Equity in earnings from unconsolidated affiliates.
v3.25.4
INTANGIBLE ASSETS
12 Months Ended
Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
INTANGIBLE ASSETS INTANGIBLE ASSETS
Intangible assets and related amortization expense were as follows:
December 31, 2025
($ in millions)Gross Carrying Amount
Accumulated Amortization
Net Carrying Amount
Trade name$48 $(27)$21 
Management contracts1,869 (605)1,264 
Club member relationships174 (93)81 
Capitalized software349 (217)132 
Marketing agreements
154 (22)132 
Other contract-related intangible assets
50 (10)40 
Total$2,644 $(974)$1,670 
December 31, 2024
($ in millions)Gross Carrying Amount
Accumulated Amortization
Net Carrying Amount
Trade name$48 $(22)$26 
Management contracts1,819 (479)1,340 
Club member relationships174 (76)98 
Capitalized software302 (167)135 
Marketing agreements
154 (11)143 
Other contract-related intangible assets
50 (5)45 
Total$2,547 $(760)$1,787 
Amortization expense on intangible assets was $216 million, $216 million, and $163 million for the years ended December 31, 2025, 2024 and 2023. As of December 31, 2025, the weighted average life of trade name was 4.6 years, management contracts was 29.9 years, club member relationships was 13.7 years, capitalized software was 3.0 years, marketing agreements was 16.1 years, and other contract-related intangible was 10.0 years.
As of December 31, 2025, our future amortization expense for our amortizing intangible assets is estimated to be as follows:
($ in millions)Future Amortization Expense
2026$215 
2027186 
2028154 
2029122 
2030
111 
Thereafter882 
Total$1,670 
v3.25.4
OTHER ASSETS
12 Months Ended
Dec. 31, 2025
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]  
OTHER ASSETS OTHER ASSETS
Other assets were as follows:
December 31,
($ in millions)20252024
Deferred selling, marketing, general and administrative expenses86 25 
Prepaid expenses71 96 
Cloud computing arrangements27 17 
Interest receivable30 29 
Deferred income tax assets13 12 
Interest rate swaps
18 37 
Other165 174 
Total$410 $390 
v3.25.4
ACCOUNTS PAYABLE, ACCRUED EXPENSES AND OTHER
12 Months Ended
Dec. 31, 2025
Payables and Accruals [Abstract]  
ACCOUNTS PAYABLE, ACCRUED EXPENSES AND OTHER ACCOUNTS PAYABLE, ACCRUED EXPENSES AND OTHER
Accounts payable, accrued expenses and other were as follows:
December 31,
($ in millions)20252024
Accrued employee compensation and benefits$179 $160 
Accounts payable58 180 
Bonus point incentive liability52 52 
Due to Hilton73 53 
Income taxes payable20 83 
Sales and other taxes payable143 158 
Interest payable
51 48 
Accrued legal settlements
Other accrued expenses(1)
434 384 
Total$1,018 $1,125 
(1)Other accrued expenses includes amounts due to HOAs and various accrued liabilities.
v3.25.4
DEBT AND NON-RECOURSE DEBT
12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
DEBT AND NON-RECOURSE DEBT DEBT AND NON-RECOURSE DEBT
Debt
The following table details our outstanding debt balance and its associated interest rates:
December 31,
($ in millions)
 Interest Rate
20252024
Debt(1)
Senior secured credit facility
Term loan A due 2028
5.366 %$400 $400 
Term loan B due 2028
5.716 %851 858 
Term loan B due 2031
5.716 %887 893 
Revolver due 2030(2)
5.493 %130 233 
Senior notes due 2029
5.000 %850 850 
Senior notes due 2031
4.875 %500 500 
Senior notes due 2032
6.625 %900 900 
Other debt
85 38 
Total debt, gross4,603 4,672 
Less: unamortized deferred financing costs and discounts(3)
(58)(71)
Total debt, net$4,545 $4,601 
(1)As of December 31, 2025 and 2024, weighted-average interest rates on Total debt, gross were 5.691% and 6.140%.
(2)Unamortized deferred financing costs of $3 million as of both December 31, 2025 and 2024 related to our revolving facility are included in Other assets in our consolidated balance sheets.
(3)Amount includes unamortized deferred financing costs of $53 million and $64 million as of December 31, 2025 and 2024. This amount also includes unamortized original issuance discounts of $5 million and $7 million as of December 31, 2025 and 2024.
Senior Secured Credit Facilities
On January 31, 2025, we amended our Revolver Credit Facility (“Revolver”) and both our Term Loan B due 2028 and Term Loan B due 2031. The terms of the Revolver were amended to reduce pricing spreads, expand covenants, reset certain incurrence baskets and extend maturity to January 2030. The Term Loan B due 2028 was repriced to SOFR plus 2.00%, down from SOFR plus 2.50%. The Term Loan B due 2031 was repriced to SOFR plus 2.00%, down from SOFR plus 2.25%. Additionally, the Term Loan A due January 2028, was repriced to SOFR plus 1.65%, down from SOFR plus 1.75%.
As of December 31, 2025, we had $61 million of letters of credit outstanding under the revolving credit facility and $1 million outstanding backed by cash collateral. We were in compliance with all applicable maintenance and financial covenants and ratios as of December 31, 2025. As of December 31, 2025, we have $809 million remaining borrowing capacity under the revolver facility.
We primarily use interest rate swaps as part of our interest rate risk management strategy for our variable-rate debt. These interest rate swaps are associated with the SOFR-based senior secured credit facility. As of December 31, 2025, these interest rate swaps convert the SOFR-based variable rate on our Term Loan B due 2028 to average fixed rates of 1.55% per annum with maturities between 2026 and 2028, for the balance on this borrowing up to the notional values of our interest rate swaps. As of December 31, 2025, the aggregate notional values of the interest rate swaps under our Term Loan B due 2028 was $550 million. Our interest rate swaps have been designated and qualify as cash flow hedges of interest rate risk and recorded at their estimated fair value as an asset in Other assets in our consolidated balance sheets. As of December 31, 2025 and 2024, the estimated fair value of our cash flow hedges was $18 million and $37 million. We characterize payments we make in connection with these derivative instruments as interest expense and a reclassification of Accumulated other comprehensive loss for presentation purposes. We classify cash inflows and outflows from derivatives that hedge interest rate risk within operating activities in the consolidated statements of cash flows.
The following table reflects the activity, net of tax, in Accumulated other comprehensive loss related to our derivative instruments during the year ended December 31, 2025:
Net unrealized gain on derivative instruments
Balance as of December 31, 2024$28 
Other comprehensive loss before reclassifications, net
(3)
Reclassifications to net income(11)
Balance as of December 31, 2025$14 
Senior Notes due 2032
The Senior Notes due 2032 are guaranteed on a senior secured basis by certain of our subsidiaries. We were in compliance with all applicable financial covenants as of December 31, 2025.
Senior Notes due 2029 and 2031
The Senior Unsecured Notes are guaranteed on a senior unsecured basis by certain of our subsidiaries. We were in compliance with all applicable financial covenants as of December 31, 2025.
Non-recourse Debt
The following table details our outstanding non-recourse debt balance and associated interest rates:
 December 31,
($ in millions)
Weighted Average Interest Rate
20252024
Non-recourse debt(1)
Timeshare Facility due 2027(2)
5.125 %$615 $428 
Securitized Debt due 2033 - 2044(3)
4.982 %2,106 1,883 
Quorum Purchase Facility due 2034
5.026 %
NBA Receivables Facility due 2031
5.466 %26 33 
Total non-recourse debt, gross2,751 2,350 
Less: unamortized deferred financing costs and discounts(4)
(35)(32)
Total non-recourse debt, net$2,716 $2,318 
(1)As of December 31, 2025, and 2024, weighted-average interest rates were 5.019% and 5.235%.
(2)Unamortized deferred financing costs of $2 million as of December 31, 2024 relating to the Timeshare Facility included in Other Assets in our consolidated balance sheet.
(3)Interest rates as of December 31, 2025 range from 1.410% to 6.419%.
(4)Amount includes unamortized deferred financing costs of $30 million and $21 million as of December 31, 2025, and 2024 and unamortized discounts of $5 million and $11 million as of December 31, 2025, and 2024.
Timeshare Facility
The revolving commitment period of the Timeshare Facility terminates in November 2026; however the repayment maturity date extends 12 months beyond the commitment termination date to November 2027. The Timeshare Facility is a non-recourse obligation payable solely from the pool of timeshare financing receivables pledged as collateral and related assets. As of December 31, 2025, our Timeshare Facility has a remaining borrowing capacity of $235 million. During the year ended December 31, 2025, we repaid $2.4 billion on the Timeshare Facility.
Securitized Debt
In June 2025, we completed a securitization of $300 million of gross timeshare financing receivables and issued $166 million of 4.88% notes, $87 million of 5.18% notes, and $47 million of 5.52% notes due May 2042. The issued notes are backed by pledged assets, consisting of a pool of HGV, Diamond Resorts, and Bluegreen Vacations collateral combined, secured by first mortgages, first deeds of trust, membership interests or timeshare interests (other than a fee simple interest in real estate) and a letter of credit. The notes are a non-recourse obligation and are payable solely from the timeshare financing receivables pledged as collateral for the notes. The proceeds of the notes were used to pay down in part
some of our existing debt and for other general corporate purposes. Additionally, in connection with the securitization, we incurred $6 million in debt issuance costs.
In July 2025, we completed a securitization of ¥9.5 billion, or $65 million, of gross timeshare financing receivables and issued notes with an average coupon rate of 1.41% due January 2039. The issued notes are backed by pledged assets, consisting of a pool of HGV loans domiciled in Japan, secured by first mortgages. The notes are a non-recourse obligation and are payable solely from the timeshare financing receivables pledged as collateral for the note. The proceeds of the notes were used for general corporate purposes. Additionally, in connection with the securitization, we incurred $3 million in debt issuance costs.
In August 2025, we completed a securitization of $400 million of gross timeshare financing receivables and issued $210 million of 4.54% notes, $125 million of 4.73% notes, and $65 million of 5.12% notes due May 2044. The issued notes are backed by pledged assets, consisting of a pool of HGV, Diamond Resorts, and Bluegreen Vacations collateral combined, secured by first mortgages, first deeds of trust, membership interests or timeshare interests (other than a fee simple interest in real estate) and a letter of credit. The notes are a non-recourse obligation and are payable solely from the timeshare financing receivables pledged as collateral for the notes. The proceeds of the notes were used to pay down in part some of our existing debt and for other general corporate purposes. Additionally, in connection with the securitization, we incurred $6 million in debt issuance costs.
In December 2025, we completed a securitization of $400 million of gross timeshare financing receivables and issued $141 million of 4.56% notes, $147 million of 4.90% notes, $81 million of 5.39% notes, and $31 million of 7.38% notes due October 2044. The issued notes are backed by pledged assets, consisting of a pool of HGV, Diamond Resorts, and Bluegreen Vacations collateral combined, secured by first mortgages, first deeds of trust, membership interests or timeshare interests (other than a fee simple interest in real estate) and a letter of credit. The notes are a non-recourse obligation and are payable solely from the timeshare financing receivables pledged as collateral for the notes. The proceeds of the notes were used to pay down debt and for other general corporate purposes. Additionally, in connection with the securitization, we incurred $6 million in debt issuance costs.
During the year ended December 31, 2025, we repaid $945 million on Securitized Debt.
We are required to deposit payments received from customers on the timeshare financing receivables securing the Timeshare Facility and Securitized Debt into depository accounts maintained by third parties. On a monthly basis, the depository accounts are utilized to make required principal, interest and other payments due under the respective loan agreements. The balances in the depository accounts were $142 million and $193 million as of December 31, 2025 and 2024 and were included in Restricted Cash in our consolidated balance sheets.
NBA Receivables Facility
Recourse on the NBA Receivables Facility is generally limited to the greater of 15% of the outstanding borrowings and $5 million, subject to certain exceptions.
Debt Maturities
The contractual maturities of our debt and non-recourse debt as of December 31, 2025, were as follows:
($ in millions)DebtNon-recourse DebtTotal
Year
2026$25 $536 $561 
202723 1,041 1,064 
20281,257 328 1,585 
2029871 254 1,125 
2030148 204 352 
Thereafter2,279 388 2,667 
Total$4,603 $2,751 $7,354 
v3.25.4
FAIR VALUE MEASUREMENTS
12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
FAIR VALUE MEASUREMENTS FAIR VALUE MEASUREMENTS
The carrying amounts and estimated fair values of our financial assets and liabilities, which are required for disclosure, were as follows:
December 31, 2025
Fair Value
($ in millions)
Carrying
Amount
Level 1Level 3
Assets:
Timeshare financing receivables, net
$3,115 $— $3,419 
Liabilities:   
Debt, net
4,545 4,352 233 
Non-recourse debt, net
2,716 2,128 640 
December 31, 2024
Fair Value
($ in millions)
Carrying
Amount
Level 1Level 3
Assets:
Timeshare financing receivables, net
$3,006 $— $3,203 
Liabilities:
Debt, net
4,601 4,309 283 
Non-recourse debt, net
2,318 1,873 446 
Our estimates of the fair values were determined using available market information and appropriate valuation methods. Considerable judgment is necessary to interpret market data and develop the estimated fair values. The table above excludes interest rate swaps discussed below and cash and cash equivalents, restricted cash, accounts receivable, accounts payable, accrued expenses and other and advance deposits, all of which had fair values approximating their carrying amounts due to the short maturities and liquidity of these instruments.
The estimated fair values of our Level 3 originated and acquired timeshare financing receivables were determined using a discounted cash flow model. Our model incorporates default rates, coupon rates, credit quality and loan terms respective to the portfolio based on current market assumptions for similar types of arrangements.
The estimated fair values of our Level 2 derivative financial instruments were determined utilizing projected future cash flows discounted based on an expectation of future interest rates derived from observable market interest rate curves and market volatility. See Note 15: Debt and Non-recourse Debt above.
The estimated fair values of our Level 1 debt and non-recourse debt were based on prices in active debt markets.
The estimated fair value of our Level 3 debt and non-recourse debt were based on the following:
Debt – based on indicative quotes obtained for similar issuances and projected future cash flows
discounted at risk-adjusted rates.
Non-recourse debt – based on projected future cash flows discounted at risk-adjusted rates.
v3.25.4
LEASES
12 Months Ended
Dec. 31, 2025
Leases [Abstract]  
LEASES LEASES
We lease sales centers, office space and equipment under operating leases. Our leases expire at various dates from 2026 through 2056, with varying renewal and termination options. Our lease terms include options to extend or terminate the lease when it is reasonably certain that we will exercise that option.
We recognize rent expense on leases with both contingent and non-contingent lease payment terms. Rent associated with non-contingent lease payments are recognized on a straight-line basis over the lease term. Contingent rental expense includes short term and variable rent. Rent expense for all operating leases was as follows:
Year Ended December 31,
($ in millions)
2025
2024
2023
Minimum rentals$35 $30 $28 
Contingent rentals12 20 11 
Total$47 $50 $39 
Supplemental cash flow information related to operating leases was as follows:
Year Ended December 31,
($ in millions)202520242023
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash outflows from operating leases$30 $30 $27 
Right-of-use assets obtained in exchange for new lease liabilities:  
Operating leases24 26 
Supplemental balance sheet information related to operating leases was as follows:
December 31,
20252024
Weighted-average remaining lease term of operating leases (in years)76
Weighted-average discount rate of operating leases6.13 %4.90 %
The future minimum rent payments under non-cancelable operating leases as of December 31, 2025, are as follows:
($ in millions)
Operating Leases
Year
2026$26 
202718 
202813 
202912 
2030
Thereafter34 
Total future minimum lease payments112 
Less: imputed interest(23)
Present value of lease liabilities$89 
v3.25.4
INCOME TAXES
12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
INCOME TAXES INCOME TAXES
Our tax provision includes federal, state and foreign income taxes payable. The domestic and foreign components of our income before taxes and noncontrolling interests were as follows:
Year Ended December 31,
($ in millions)202520242023
U.S. income (loss) before tax
$90 $(61)$335 
Foreign income before tax85 197 114 
Total income before taxes$175 $136 $449 
The components of our provision for income taxes were as follows:
Year Ended December 31,
($ in millions)202520242023
Current:
Federal$86 $23 $105 
State18 18 
Foreign28 78 36 
Total current132 105 159 
Deferred:
Federal(56)(18)(22)
State(3)(1)
Foreign(2)(8)— 
Total deferred(56)(29)(23)
Total provision for income taxes$76 $76 $136 
Reconciliations of our tax provision at the U.S. statutory rate to the provision for income taxes were as follows:
Year Ended December 31,
2025
($ in millions)
$
%
Statutory U.S. federal income tax provision37 21 %
State and local income taxes, net of federal tax effect(1)
20 12 %
Foreign tax effects
(1)(1)%
Effects of cross-border taxes
Foreign derived intangible income
(2)(1)%
Foreign branch taxes, net of related credits
%
Tax credits
Research and development tax credit(2)
(8)(5)%
Foreign tax credits
(8)(5)%
Change in valuation allowances
%
Nontaxable or nondeductible items
Share-based payment awards, net of IRC §162(m) limitation
%
Non-controlling interest
(4)(2)%
Other
%
Changes in unrecognized tax benefits
%
Other adjustments
Interest on installment sales, net of federal tax effect
%
Bluegreen deferred adjustment
%
Expired domestic loss carryforwards
%
Other
%
Provision for income taxes
76 43 %
(1)Florida, Hawaii and New York comprise the majority of state taxes (greater than 50%) of the tax effect in this category.
(2)The research and development tax credit includes revised estimates upon finalization of prior year tax returns.
Year Ended December 31,
($ in millions)20242023
Statutory U.S. federal income tax provision$29 $94 
State and local income taxes, net of U.S. federal tax benefit17 
Taxes attributable to noncontrolling interest
(3)— 
Impact of foreign operations27 10 
Interest on installment sales, net of U.S. federal tax benefit
Uncertain tax positions
US permanent differences
12 
Share-based compensation, net of IRC §162(m) limitation
Other
Provision for income taxes$76 $136 
Deferred income taxes represent the tax effect of the differences between the book and tax bases of assets and liabilities plus carryforward items.
The compositions of net deferred tax balances were as follows:
December 31,
($ in millions)20252024
Deferred tax assets$13 $12 
Deferred tax liabilities(864)(925)
Net deferred tax liability$(851)$(913)
The tax effects of the temporary differences and carryforwards that give rise to our net deferred tax liability were as follows:
December 31,
($ in millions)20252024
Deferred tax assets:
Compensation$38 $30 
Domestic tax loss and credit carryforwards99 130 
Foreign tax loss carryforwards46 44 
Other reserves375 261 
558 465 
Valuation allowance(150)(174)
Deferred tax assets408 291 
Deferred tax liabilities:
Property and equipment(263)(144)
Amortizable intangible assets(380)(419)
Deferred income(616)(641)
Deferred tax liabilities(1,259)(1,204)
Net deferred tax liability$(851)$(913)
As of December 31, 2025, we have $254 million of federal net operating loss carryforwards, $29 million of federal credit carryforwards, $220 million of state tax net operating loss carryforwards, $6 million of state tax credits, and $175 million foreign net operating loss carryforwards. Most of these tax attributes are fully valued. The majority of our federal and state tax attributes will expire through 2034, while most of our foreign tax losses can be carried forward indefinitely.
We establish valuation allowances for financial reporting purposes to offset certain deferred tax assets due to uncertainty regarding our ability to realize them in the future. The valuation allowance decreased from $174 million as of December 31, 2024, to $150 million as of December 31, 2025, primarily due to the expiration and write-off of domestic tax attributes.
Reconciliations of the amounts of unrecognized tax benefits were as follows:
 December 31,
($ in millions)202520242023
Unrecognized tax benefits at beginning of year$24 $25 $23 
Current period tax position increases— 
Prior period tax position increases— — 
Decreases due to lapse in applicable statute of limitations— (4)(3)
Unrecognized tax benefits at end of year$24 $24 $25 
We recorded $24 million as of both December 31, 2025 and 2024 excluding interest and penalties, which would have favorably impacted the annual effective tax rate if recognized. We record these liabilities in Accounts payable, accrued expenses and other in the consolidated balance sheet. The total liability accrued for interest and penalties was $46 million and $36 million as of December 31, 2025, and 2024.
We file federal, state and foreign income tax returns in jurisdictions with varying statute of limitations. We are currently under audit in several tax jurisdictions. The open tax years for major tax jurisdictions are 2011 through 2025. While there is no assurance as to the results, we believe we are adequately reserved for these audits.
Although the Tax Act generally eliminates U.S. federal income tax on dividends from foreign subsidiaries, foreign withholding taxes may be incurred if these profits are distributed. No income or deferred taxes have been accrued on foreign earnings or other outside basis differences, as we intend to indefinitely reinvest these amounts in our foreign operations. An estimate of these amounts is not practicable due to the inherent complexity of the multi-jurisdictional tax environment in which we operate.
v3.25.4
SHARE-BASED COMPENSATION
12 Months Ended
Dec. 31, 2025
Share-Based Payment Arrangement [Abstract]  
SHARE-BASED COMPENSATION SHARE-BASED COMPENSATION
Stock Plan
The 2023 Omnibus Incentive Plan (“2023 Plan”) authorizes the issuance of various stock-based awards to our employees, directors and other service providers, including restricted stock units (“Service RSUs” or “RSUs”), nonqualified stock options (“Options”), and time and performance-vesting restricted stock units (“Performance RSUs” or “PSUs”). As of December 31, 2025, there were 2,613,147 shares of common stock available for future issuance under the 2023 plan. We recognized share-based compensation expense of $62 million, $45 million and $39 million during the years ended December 31, 2025, 2024 and 2023. The total tax benefit recognized related to this compensation was $10 million, $8 million and $6 million for the years ended December 31, 2025, 2024 and 2023. In addition, we withheld common stock shares associated with net share settlements to cover tax withholding obligations upon the vesting or exercise of awards under our employee equity incentive program. For the years ended December 31, 2025, 2024 and 2023, we withheld approximately 207,000, 445,000 and 264,000 shares at a total cost of $9 million, $21 million and $14 million through net share settlements. Shares withheld to cover tax withholding obligations are retired.
As of December 31, 2025, unrecognized compensation cost for unvested awards was $46 million, which is expected to be recognized over a weighted average period of 1.8 years.
On June 30, 2025, the second tranche of the performance cash awards approved by our Board of Directors on March 5, 2024, in connection with the Bluegreen Acquisition vested for certain executive officers and employees based on the level of achievement of pre-established performance goals relating to run rate cost savings following an 18-month performance period that commenced on the Bluegreen Acquisition Date and ended on June 30, 2025.
Service RSUs
Service RSUs generally vest in annual installments over three years from the date of grant, subject to the individual’s continued employment through the applicable vesting date. Vested Service RSUs generally will be settled for common stock. The grant date fair value is equal to closing stock price on the date of grant. The following table provides information about our Service RSU grants for the last three fiscal years:
Year Ended December 31,
202520242023
Number of shares granted999,680 717,858 537,964 
Weighted average grant date fair value per share$40.93 $44.00 $48.60 
Fair value of shares vested (in millions)$28 $26 $23 
The following table summarizes the activity of our RSUs during the year ended December 31, 2025:
Number of
Shares
Weighted Average Grant Date Fair Value
Outstanding, beginning of period1,226,381 45.24 
Granted999,680 40.93 
Vested(629,800)45.17 
Forfeited(69,002)43.15 
Outstanding, end of period1,527,259 42.54 
Options
Options generally vest over three years in annual installments from the date of grant, subject to the individual’s continued employment through the applicable vesting date and will terminate 10 years from the date of grant or earlier on
the unvested portion of an individual whose service was terminated. The exercise price is equal to the closing price of the common stock on the date of grant. During the year ended December 31, 2025, we did not grant any Options. The following table provides information about our option grants for the last two fiscal years:
Year Ended December 31,
20242023
Number of options granted388,084 301,215 
Weighted average exercise price per share$44.45 $49.14 
Weighted average grant date fair value per share$22.63 $24.78 
The weighted-average grant date fair value of each of these options were determined using the Black-Scholes-Merton option-pricing model with the following assumptions: expected volatility is calculated using the historical volatility of our share price; risk-free rate is based on the Treasury Constant Maturity Rate closest to the expected life as of the grant date; and expected term is estimated using the vesting period and contractual term of the Options:
Year Ended December 31,
20242023
Expected volatility
47.7 %46.8 %
Dividend yield(1)
— %— %
Risk-free rate
4.1% - 4.3%
4.2 %
Expected term (in years)
6.06.0
(1)At the date of grant we had no plans to pay dividends during the expected term of these options.
The following table summarizes the activity of our options during the year ended December 31, 2025:
Number
of Shares
Weighted Average Exercise Price Per Share
Outstanding, beginning of period2,576,978 $38.24 
Granted— — 
Exercised(335,444)33.20 
Forfeited, canceled or expired(42,761)45.70 
Outstanding, end of period2,198,773 38.87 
Exercisable, end of period1,867,039 37.64 
As of December 31, 2025, we had 1,867,039 options outstanding that were exercisable with an aggregate intrinsic value of $14 million and weighted average remaining contractual term of 4.5 years. The intrinsic value of all options exercised during the year was $4.4 million.
Performance RSUs
During the year ended December 31, 2025, we issued 449,308 Performance RSUs with a weighted-average grant date fair value of $41.01. The Performance RSUs are settled at the end of a 3-year performance period, with 50% of the Performance RSUs subject to achievement based on the Company’s adjusted earnings before interest expense, taxes and depreciation and amortization, further adjusted for net deferral and recognition of revenues and related direct expenses related to sales of VOIs of projects under construction. The remaining 50% of the Performance RSUs are subject to the achievement of certain contract sales targets.
Compensation expense will be recorded through the end of the performance period if it is deemed probable that the performance goals will be met. If the performance goals are not met, no compensation cost will be recognized and any previously recognized compensation cost will be reversed. We determined that the performance conditions for our Performance RSUs are probable of achievement and we recognized compensation expense based on the number of Performance RSUs we expect to vest.
The following table provides information about our Performance RSU grants for the last three fiscal years:
Year Ended December 31,
202520242023
Number of shares granted449,308 432,286 119,887 
Weighted average grant date fair value per share$41.01 $44.40 $49.14 
Fair value of shares vested (in millions)$— $29 $
The following table summarizes the activity of our Performance RSUs during the year ended December 31, 2025:
Number of
Shares
Weighted Average Grant Date Fair Value
Outstanding, beginning of period550,009 $45.41 
Granted449,308 41.01 
Vested
— — 
Forfeited, canceled or expired(20,178)44.27 
Outstanding, end of period979,139 43.41 
Employee Stock Purchase Plan
In March 2017, the Board of Directors adopted the Hilton Grand Vacations Inc. Employee Stock Purchase Plan (the “ESPP”), which became effective during 2017 and was subsequently amended in 2022. In connection with the ESPP, we reserved 2.5 million shares of common stock which may be purchased under the ESPP. The ESPP allows eligible employees to purchase shares of our common stock at a price per share not less than 85% of the fair market value per share of common stock on the first day of the Purchase Period or the last day of the Purchase Period, whichever is lower, up to a maximum threshold established by the plan administrator for the offering period. During the years ended December 31, 2025, 2024 and 2023, we issued 404,511, 326,330 and 221,562 shares and recognized $2 million, $2 million and $1 million of compensation expense related to this plan.
v3.25.4
EARNINGS PER SHARE
12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
EARNINGS PER SHARE EARNINGS PER SHARE
The following table presents the calculation of our basic and diluted EPS and the corresponding weighted average shares outstanding referenced in these calculations for the years ended December 31, 2025, 2024, and 2023.
Year Ended December 31,
($ and shares outstanding in millions, except per share amounts)202520242023
Basic EPS:
Numerator:
Net income attributable to stockholders$81 $47 $313 
Denominator:  
Weighted average shares outstanding89.9 101.9 110.1 
Basic EPS(1)
$0.90 $0.46 $2.84 
Diluted EPS:
Numerator:
Net income attributable to stockholders$81 $47 $313 
Denominator:
Weighted average shares outstanding91.5 103.1 111.6 
Diluted EPS(1)
$0.89 $0.45 $2.80 
Basic weighted average shares outstanding89.9 101.9 110.1 
RSUs(2), PSUs(3), Options(4) and ESPP
1.6 1.2 1.5 
Diluted weighted average shares outstanding91.5 103.1 111.6 
(1)Earnings per share amounts are calculated using whole numbers.
(2) Excludes approximately 3,000 shares of RSUs that would have been anti-dilutive to EPS under the treasury stock method for the year ended December 31, 2025. These RSUs could potentially dilute EPS in the future. There were no anti-dilutive RSU for the years ended December 31, 2024 and 2023.
(3) There were no anti-dilutive PSUs for the years ended December 31, 2025, 2024, and 2023.
(4) Excludes approximately 1,134,000, 1,140,000 and 818,000 shares of Options that would have been anti-dilutive to EPS for the years ended December 31, 2025, 2024, and 2023, under the treasury stock method. These Options could potentially dilute EPS in the future.
Share Repurchases
On August 8, 2024, we announced that our Board of Directors approved on August 7, 2024 a share repurchase program authorizing us to repurchase up to an aggregate of $500 million of our outstanding shares of common stock over a two-year period (the “2024 Repurchase Plan”). On July 31, 2025, we announced that our Board of Directors approved on July 29, 2025 a share repurchase program authorizing us to repurchase up to an aggregate of $600 million of our outstanding shares of common stock over a two-year period (the “2025 Repurchase Plan” and together with the 2024 Repurchase Plan, the “Repurchase Plans”), which is in addition to the 2024 Repurchase Plan.
The following table summarizes stock repurchase activity under the current and previous share repurchase programs as of December 31, 2025:
(in millions)SharesCost
As of December 31, 2024
41 $1,549 
Repurchases15 600 
As of December 31, 2025
56 $2,149 
From January 1, 2026 through February 19, 2026, we repurchased 1.9 million shares for $89 million. As of February 19, 2026, we had $339 million of remaining availability under the 2025 Repurchase Plan.
v3.25.4
RELATED PARTY TRANSACTIONS
12 Months Ended
Dec. 31, 2025
Related Party Transactions [Abstract]  
RELATED PARTY TRANSACTIONS RELATED PARTY TRANSACTIONS
BRE Ace LLC and 1776 Holding, LLC
We hold an ownership interest in BRE Ace LLC, a VIE, which owns a timeshare resort property and related operations, commonly known as “Elara, a Hilton Grand Vacations Club.”
We hold an ownership interest in 1776 Holdings, LLC, a VIE, which owns a timeshare resort property and related operations, known as “Liberty Place Charleston, a Hilton Club.”
We record Equity in earnings from our unconsolidated affiliates in our consolidated statements of income. See Note 11: Investments in Unconsolidated Affiliates for additional information. Additionally, we earn commissions and other fees related to fee-for-service agreements with the investees to sell VOIs at Elara, a Hilton Grand Vacations Club and Liberty Place Charleston, a Hilton Club. These amounts are summarized in the following table and are included in Fee-for-service commissions, package sales and other fees on our consolidated statements of income as of the date they became related parties.
Year Ended December 31,
($ in millions)202520242023
Equity in earnings from unconsolidated affiliates$19 $18 $12 
Commissions and other fees164 165 204 
We also had $3 million and $5 million of outstanding receivables related to the fee-for-service agreements included in Accounts receivable, net on our consolidated balance sheets as of December 31, 2025 and 2024.
Apollo Global Management Inc. (Apollo)
As part of the Diamond Acquisition in 2021, Apollo obtained more than 20% of our outstanding common stock at the time of the Diamond Acquisition. On August 12, 2025, we and certain entities managed by affiliates of Apollo Global Management, Inc. (the “Selling Stockholders”) entered into an underwriting agreement (the “Underwriting Agreement”) with Wells Fargo Securities, LLC, as representative of the underwriters named therein, including Apollo Global Securities, LLC, an affiliate of the Selling Stockholders (collectively, the “Underwriters”), in connection with the offer and sale by the Selling Stockholders of 8,050,000 shares of our common stock (including 1,050,000 shares at the option of the Underwriters) (the “Offering”).
As part of the Offering, we repurchased, and subsequently retired, 933,488 shares of our common stock under our Share Repurchase Plans from the Underwriters (the “Share Repurchase”) for an aggregate purchase price of $40 million (or $42.85 per share), which was the same per share price paid by the Underwriters to the Selling Stockholders. The Offering and the Share Repurchase were completed on August 14, 2025.
During the year ended December 31, 2025, we billed Apollo for $2 million of reimbursable expenses, for which payment was received in January 2026. During the year ended December 31, 2024, we received a reimbursement from Apollo of approximately $1 million for expenses incurred on their behalf.
v3.25.4
BUSINESS SEGMENTS
12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
BUSINESS SEGMENTS BUSINESS SEGMENTS
We operate our business through the following two reportable segments based on the nature of the products and services provided:
Real estate sales and financing – We market and sell VOIs that we own. We also source VOIs through fee-for-service agreements with third-party developers. Related to the sales of the VOIs that we own, we provide consumer financing, which includes interest income generated from the origination of consumer loans to customers to finance their purchase of VOIs and revenue from servicing the loans. We also generate fee revenue from servicing the loans provided by third-party developers to purchasers of their VOIs.
Resort operations and club management – We manage the clubs and earn activation fees, annual dues and transaction fees from member exchanges for other vacation products. We also earn fees for managing the timeshare properties. We generate rental revenue from unit rentals of unsold inventory and inventory made available due to ownership exchanges under our club programs. We also earn revenue from food and beverage, retail and spa outlets at our timeshare properties.
Our chief operating decision maker “CODM” is our Chief Executive Officer. The CODM is our primary decision maker and is responsible for allocating resources to the components of the company and assessing company performance. The CODM uses Adjusted EBITDA to allocate resources (including employees and financial or capital resources) in the budgeting and forecasting process as well as assess performance and profitability for each segment. The performance of our operating segments, which are also our reportable segments, is evaluated based on adjusted earnings before interest expense (excluding non-recourse debt), taxes, depreciation and amortization (“EBITDA”). We define Adjusted EBITDA as EBITDA, further adjusted to exclude certain items, including, but not limited to, gains, losses and expenses in connection with: (i) other gains or losses, including asset dispositions and foreign currency transactions; (ii) debt restructurings/
retirements; (iii) non-cash impairment losses; (iv) share-based and other compensation expenses; and (v) other items, including but not limited to costs associated with acquisitions, restructuring, amortization of premiums and discounts resulting from purchase accounting, and other non-cash and one-time charges.
We do not include equity in earnings from unconsolidated affiliates in our measures of segment operating performance.
The table below presents revenues for our reportable segment results which include the acquired Grand Islander and Bluegreen operations, within both segments as of their respective acquisition dates, reconciled to consolidated amounts:
Year Ended December 31,
($ in millions)202520242023
Revenues:
Real estate sales and financing$2,989 $3,010 $2,357 
Resort operations and club management(1)
1,625 1,528 1,291 
Total segment revenues4,614 4,538 3,648 
Cost reimbursements534 516 386 
Intersegment eliminations(1)
(101)(73)(56)
Total revenues$5,047 $4,981 $3,978 
(1)Includes charges to the Real estate sales and financing segment from the Resort operations and club management segment for fulfillment of discounted marketing package stays at resorts. We account for intersegment revenues as if they were sales to third parties at current market prices.
The following tables present Adjusted EBITDA for our reportable segments:
For the year ended December 31, 2025
Real Estate and Financing
Resort Operations and Club Management
Total
Revenues from external customers
$2,989 $1,524 $4,513 
Intersegment revenues
— 101 101 
Total segment revenues2,989 1,625 4,614 
(a)
Less:
Cost of VOI Sales152 — 152 
Selling expense812 — 812 
Marketing expense1,029 — 1,029 
Financing expense215 — 215 
Club expense— 87 87 
Property management expense— 140 140 
Rental expense— 738 738 
Other expenses30 47 77 
Total segment expenses2,238 
(b)
1,012 
(c)
3,250 
Other:
Share-based compensation expense17 25 
Other segment adjustment items40 (1)39 
(d)
Intersegment elimination(101)— (101)
(a)
Segment Adjusted EBITDA$707 $620 $1,327 
For the year ended December 31, 2024
Real Estate and Financing
Resort Operations and Club Management
Total
Revenues from external customers
$3,010 $1,455 $4,465 
Intersegment revenues
— 73 73 
Total segment revenues3,010 1,528 4,538 (a)
Less:
Cost of VOI Sales239 — 239 
Selling expense727 — 727 
Marketing expense914 — 914 
Financing expense188 — 188 
Club expense— 83 83 
Property management expense— 128 128 
Rental expense— 681 681 
Other expenses127 43 170 
Total segment expenses2,195 
(b)
935 
(c)
3,130 
Other:
Share-based compensation expense12 18 
Other segment adjustment items48 53 (d)
Intersegment elimination(73)— (73)(a)
Segment Adjusted EBITDA$802 $604 $1,406 
For the year ended December 31, 2023
Real Estate and Financing
Resort Operations and Club Management
Total
Revenues from external customers
$2,357 $1,235 $3,592 
Intersegment revenues
— 56 56 
Total segment revenues2,357 1,291 3,648 (a)
Less:
Cost of VOI Sales194 — 194 
Selling expense501 — 501 
Marketing expense682 — 682 
Financing expense99 — 99 
Club expense— 60 60 
Property management expense— 117 117 
Rental expense— 573 573 
Other expenses98 39 137 
Total segment expenses1,574 
(b)
789 
(c)
2,363 
Other:
Share-based compensation expense12 15 
Other segment adjustment items15 (1)14 (d)
Intersegment elimination(56)— (56)(a)
Segment Adjusted EBITDA$754 $504 $1,258 
(a) Includes charges to the Real estate sales and financing segment from the Resort operations and club management segment for fulfillment of discounted marketing package stays at resorts. We account for intersegment revenues as if they were sales to third parties at current market prices.
(b) Consists of Costs of VOI sales, Sales and Marketing, and Financing expense on the statements of income.
(c) Consists of Resort and club management and Rental and ancillary services expense on the statements of income.
(d) Consists of costs associated with restructuring, one-time charges, other non-cash items, and for the Real Estate and Financing Segment, amortization of fair value premiums and discounts resulting from purchase accounting.
The following table presents Adjusted EBITDA for our reportable segments reconciled to net income and net income attributable to stockholders:
Year Ended December 31,
($ in millions)202520242023
Adjusted EBITDA:
Real estate sales and financing(1)
$707 $802 $754 
Resort operations and club management(1)
620 604 504 
Segment Adjusted EBITDA1,327 1,406 1,258 
Acquisition and integration-related expense(98)(237)(68)
General and administrative(215)(199)(194)
Depreciation and amortization(273)(268)(213)
License fee expense(214)(171)(138)
Other gain (loss), net
(11)
Interest expense(311)(329)(178)
Income tax expense(76)(76)(136)
Equity in earnings from unconsolidated affiliates19 18 12 
Impairment expense(3)(2)(3)
Other adjustment items(2)
(64)(71)(29)
Net income99 60 313 
Net income attributable to noncontrolling interest
18 13 — 
Net income attributable to stockholders
$81 $47 $313 
(1)Includes intersegment transactions. Refer to our table presenting revenues by reportable segment above for additional discussion.
(2)These amounts include costs associated with share-based compensation, restructuring, one-time charges and other non-cash items included within our reportable segments.
The following table presents total assets for our reportable segments, reconciled to consolidated amounts:
December 31,
($ in millions)20252024
Real estate sales and financing$7,807 $7,349 
Resort operations and club management3,140 3,163 
Total segment assets10,947 10,512 
Corporate590 930 
Total assets$11,537 $11,442 
The following table presents capital expenditures for property and equipment (including inventory and leases) for our reportable segments, reconciled to consolidated amounts:
Year Ended December 31,
($ in millions)202520242023
Real estate sales and financing$137 $152 $61 
Resort operations and club management
Total segment capital expenditures139 154 63 
Corporate57 45 34 
Total capital expenditures$196 $199 $97 
v3.25.4
COMMITMENTS AND CONTINGENCIES
12 Months Ended
Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
COMMITMENTS AND CONTINGENCIES COMMITMENTS AND CONTINGENCIES
Bass Pro Shops Marketing Agreement Commitments
In November 2023, we entered into a 10-year exclusive marketing agreement with Bass Pro Shops (“Bass Pro”), a nationally-recognized retailer of fishing, marine, hunting, camping and sports gear, that provides us with the right to market and sell vacation packages at kiosks in Bass Pro’s and Cabela’s retail locations and through other means. This agreement
became effective on the Bluegreen Acquisition Date. As a part of this agreement, we are required to make certain minimum annual payments and certain variable payments based upon the number of travel packages sold during the year or the number of Bass Pro and Cabela’s retail locations HGV maintains during the year. As of December 31, 2025, HGV had sales and marketing operations at a total of 142 Bass Pro Shops and Cabela’s Stores, including 7 virtual kiosks.
Other Commitments
We have fulfilled certain arrangements with developers where we were committed to purchase vacation ownership units or other real estate at a future date to be marketed and sold under our Hilton Grand Vacations brand. As of December 31, 2025, we were committed to purchase $226 million of inventory over a period of 10 years and $43 million of other commitments in the normal course of business. The actual amount and timing of the acquisitions are subject to change pursuant to the terms of the respective arrangements, which could also allow for cancellation in certain circumstances. During the fourth quarter of 2025, we fulfilled our commitment to exchange parcels of land in Hawaii due to the successful completion of zoning, land use requirements and other applicable regulatory requirements.
During the years ended December 31, 2025, 2024 and 2023, we fulfilled $40 million, $63 million and $156 million, of purchases required under our inventory commitments. As of December 31, 2025, our remaining obligations pursuant to these arrangements were expected to be incurred as follows:
($ in millions)20262027202820292030ThereafterTotal
Marketing and license fee agreements$37 $38 $38 $38 $39 $95 $285 
Inventory purchase obligations(1)(2)(3)
22 53 44 65 34 226 
Other commitments(4)
14 14 43 
Total$73 $50 $95 $86 $107 $143 $554 
(1)Commitments for properties in Missouri, New York and Tennessee.
(2)For the property in New York, the payments are subject to the seller obtaining the inventory and providing clear title.
(3)For the property in Tennessee, we have the option to extend the full purchase of inventory up to 2033 pursuant to the terms of the purchase agreement.
(4)Primarily relates to commitments for information technology and sponsorships.
Litigation Contingencies
We are involved in litigation arising from the normal course of business, some of which includes claims for substantial sums. We evaluate these legal proceedings and claims at each balance sheet date to determine the degree of probability of an unfavorable outcome and, when it is probable that a liability has been incurred, our ability to reasonably estimate the amount of loss. We record a contingent litigation liability when it is determined that it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. As of December 31, 2025 and 2024, we had accrued liabilities of $8 million and $7 million for all legal matters.
On July 22, 2024, an adverse interim award was entered in an arbitration related to a matter that existed as of the Bluegreen Acquisition Date involving Bluegreen Vacations Unlimited, Inc. (“BVU”), a Bluegreen subsidiary, in connection with an alleged breach of a purchase and sale agreement for The Manhattan Club property in New York, New York. Prior to any decision by the arbitration panel on potential damages for breach, the interim award allowed BVU to propose a cure for the breach. We and the opposing party both proposed forms of cure to the arbitration panel. On February 10, 2025, the arbitration panel issued a decision on what is required to cure, which included purchases of inventory and assuming the management agreement at The Manhattan Club. We completed the first steps of cure on February 20, 2025 and February 26, 2025, and intend to continue with cure.
As part of the cure, the management agreement was assumed during the first quarter of 2025 for $47.5 million in exchange for a note payable. Additionally, the cure provided for BVU to purchase $7.5 million of inventory per quarter beginning February 26, 2025 until all missed quarterly purchases of inventory between October 2019 and February 10, 2025 have been completed totaling approximately $39 million, subject to the opposing party being able to obtain the inventory and providing clear title. Once cured, the quarterly inventory purchase commitment will be approximately $1.9 million through May 2035, subject to the opposing party being able to obtain the inventory and providing clear title. The inventory commitment related to this matter is included in the table above within the inventory purchase obligations. There were no legal accruals for this matter as of December 31, 2025.
While we currently believe that the ultimate outcome of these proceedings, individually and in the aggregate, will not have a material effect on the Company’s financial condition, cash flows, or materially adversely affect overall trends in our results of operations, legal proceedings are inherently uncertain and unfavorable rulings could, individually or in aggregate, have a material adverse effect on the Company’s business, financial condition or results of operations.
Surety Bonds
We utilize surety bonds related to the sales of VOIs in order to meet regulatory requirements of certain states. The availability, terms and conditions and pricing of such bonding capacity are dependent on, among other things, continued financial strength and stability of the insurance company affiliates providing the bonding capacity, general availability of such capacity and our corporate credit rating. We have commitments from surety providers in the amount of $439 million as of December 31, 2025, which primarily consist of escrow and subsidy related bonds.
v3.25.4
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
12 Months Ended
Dec. 31, 2025
Supplemental Cash Flow Information [Abstract]  
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Cash paid for interest on our corporate debt, net was $297 million, $354 million and $187 million for the years ended December 31, 2025, 2024 and 2023. Cash paid for income taxes, net of refunds, was $154 million, $36 million and $187 million for the years ended December 31, 2025, 2024 and 2023. The following table summarizes domestic and foreign components of cash taxes paid by material jurisdiction for the year ended December 31, 2025.
Year Ended December 31, 2025
($ in millions)
US Federal
$48 
US States1
18 
Foreign
Japan
48 
Mexico
20 
Other
20 
Total taxes paid
154 
(1)State and local taxes in Florida, Hawaii and New York City comprise the majority (greater than 50 percent) of the net cash taxes paid.
The following non-cash activities were excluded from the consolidated statements of cash flows:
In 2025, we recorded non-cash operating activity transfers, net of $82 million related to the registrations for timeshare units under construction from Property and equipment, net to Inventory, pertaining to properties in Japan and Hawaii.
In 2024, we recorded non-cash operating activity transfers, net of $271 million related to the registrations for timeshare units under construction for from Property and equipment, net to Inventory, pertaining to properties in Hawaii and South Carolina.
In 2023, we completed the acquisition of Grand Islander, by exchanging 100% of the outstanding equity interests of Grand Islander for $117 million. The purchase price of $117 million included cash consideration and $4 million of non-cash consideration attributable to the effective settlement of a pre-existing relationship based on the contract value.
In 2023, we recorded non-cash operating activity transfer of $20 million to Property and equipment, net, related to the purchase of units in South Carolina, of which $17 million was accrued within Accounts payable, accrued expenses and other and the remaining $3 million was an inventory deposit in Other Assets.
In 2023, we recorded non-cash operating activity transfers of $92 million related to the registrations for timeshare units under construction from Property and equipment, net to Inventory, pertaining to properties in Hawaii.
v3.25.4
Insider Trading Arrangements
3 Months Ended
Dec. 31, 2025
Trading Arrangements, by Individual  
Rule 10b5-1 Arrangement Adopted false
Non-Rule 10b5-1 Arrangement Adopted false
Rule 10b5-1 Arrangement Terminated false
Non-Rule 10b5-1 Arrangement Terminated false
v3.25.4
Insider Trading Policies and Procedures
12 Months Ended
Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]  
Insider Trading Policies and Procedures Adopted true
v3.25.4
Cybersecurity Risk Management and Strategy Disclosure
12 Months Ended
Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]  
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]
We recognize the importance of maintaining an integrated cybersecurity risk management system and view our responsibility for cybersecurity management as an enterprise risk, where we have adopted proactive and defensive safeguards. We maintain layered processes that place responsibility for management and mitigation of cybersecurity risks at both the management and Board level, which is modeled after the National Institute of Standards and Technology’s cybersecurity framework, as more fully described below. Such processes have been integrated in HGV's overall risk management processes.
We have not previously experienced a cybersecurity incident that has materially affected HGV, including our business strategy, results of operations, or financial condition. However, we cannot be certain that we will not experience such an incident in the future. For information on risks we face from cybersecurity threats, see “Our increasing reliance on information technology and other systems subjects us to risks associated with cybersecurity. Cyber-attacks or our failure to maintain the security and integrity of company, employee, associate, customer, or third-party data could have a disruptive effect on our business and adversely affect our reputation and financial performance” in Item 1A. Risk Factors.
Cybersecurity Risk Management Processes Integrated [Flag] true
Cybersecurity Risk Management Processes Integrated [Text Block] We recognize the importance of maintaining an integrated cybersecurity risk management system and view our responsibility for cybersecurity management as an enterprise risk, where we have adopted proactive and defensive safeguards. We maintain layered processes that place responsibility for management and mitigation of cybersecurity risks at both the management and Board level, which is modeled after the National Institute of Standards and Technology’s cybersecurity framework, as more fully described below.
Cybersecurity Risk Management Third Party Engaged [Flag] true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag] true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag] false
Cybersecurity Risk Board of Directors Oversight [Text Block]
Board Level Governance
The Audit Committee has primary Board-level responsibility for oversight of our cybersecurity and data protection risks and serves as a liaison between management and the full Board. The Audit Committee receives regular reports from our CTO and CISO regarding the primary cybersecurity risks facing HGV, and the steps management is taking to mitigate such risks. The CISO and the CTO provide comprehensive briefings to the Audit Committee on a regular basis, generally at least once per quarter. These briefings include:
Current cybersecurity landscape and emerging threats;
Status of ongoing cybersecurity initiatives and strategies;
Incident reports and learnings from any cybersecurity incidents, if applicable; and
Compliance with regulatory requirements and industry standards.
The Audit Committee also reviews our cybersecurity management strategy and initiatives on a regular basis with our CTO and CISO. Both the Audit Committee and Board will promptly be made aware of any significant cybersecurity incident, as specified in our cybersecurity incident response plan.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block] Our cybersecurity efforts are led by the Chief Technology Officer (“CTO”) and Chief Information Security Officer (“CISO”). The CISO has primary management-level responsibility for assessing and managing our cybersecurity program. The CISO reports to the CTO, who provides regular feedback to other members of the management team on managing material risks from cybersecurity threats.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]
The Audit Committee has primary Board-level responsibility for oversight of our cybersecurity and data protection risks and serves as a liaison between management and the full Board. The Audit Committee receives regular reports from our CTO and CISO regarding the primary cybersecurity risks facing HGV, and the steps management is taking to mitigate such risks. The CISO and the CTO provide comprehensive briefings to the Audit Committee on a regular basis, generally at least once per quarter. These briefings include:
Current cybersecurity landscape and emerging threats;
Status of ongoing cybersecurity initiatives and strategies;
Incident reports and learnings from any cybersecurity incidents, if applicable; and
Compliance with regulatory requirements and industry standards.
The Audit Committee also reviews our cybersecurity management strategy and initiatives on a regular basis with our CTO and CISO. Both the Audit Committee and Board will promptly be made aware of any significant cybersecurity incident, as specified in our cybersecurity incident response plan.
Cybersecurity Risk Role of Management [Text Block]
Our cybersecurity efforts are led by the Chief Technology Officer (“CTO”) and Chief Information Security Officer (“CISO”). The CISO has primary management-level responsibility for assessing and managing our cybersecurity program. The CISO reports to the CTO, who provides regular feedback to other members of the management team on managing material risks from cybersecurity threats.
Our CISO has over 25 years of experience in the field of cybersecurity. His background includes extensive experience as a technology consultant. His in-depth knowledge and experience are instrumental in developing and executing our cybersecurity strategies.
Our CTO has extensive experience designing, developing, and utilizing technology products for security operation center services. His technical responsibilities spanned product security, privacy controls, data protection, and identity management. He has also overseen security operations, incident response, threat hunting, security intelligence, analytics, and technical fraud functions and worked with legal response teams at numerous companies, including serving as a
Managing Director of a cybersecurity firm. He has advised chief information officers and consulted for boards of directors on cybersecurity related issues and attacks.
Our CISO oversees our governance programs, tests our compliance with standards, remediates known risks, and leads our employee training program on information security. He is also responsible for keeping HGV apprised of the latest developments in cybersecurity, including potential threats and innovative risk management techniques. We believe this ongoing knowledge acquisition is crucial for the effective prevention, detection, mitigation, and remediation of cybersecurity incidents. The CISO implements and oversees processes for the regular monitoring of our information systems. This includes the deployment of advanced security measures and regular system audits to identify potential vulnerabilities. In the event of a cybersecurity incident, the CISO is equipped with a well-defined incident response plan. This plan includes immediate actions designed to mitigate the impact and long-term strategies for remediation and prevention of future incidents.
Cybersecurity Risk Management Positions or Committees Responsible [Flag] true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block] Our cybersecurity efforts are led by the Chief Technology Officer (“CTO”) and Chief Information Security Officer (“CISO”). The CISO has primary management-level responsibility for assessing and managing our cybersecurity program. The CISO reports to the CTO, who provides regular feedback to other members of the management team on managing material risks from cybersecurity threats.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]
Our CISO has over 25 years of experience in the field of cybersecurity. His background includes extensive experience as a technology consultant. His in-depth knowledge and experience are instrumental in developing and executing our cybersecurity strategies.
Our CTO has extensive experience designing, developing, and utilizing technology products for security operation center services. His technical responsibilities spanned product security, privacy controls, data protection, and identity management. He has also overseen security operations, incident response, threat hunting, security intelligence, analytics, and technical fraud functions and worked with legal response teams at numerous companies, including serving as a
Managing Director of a cybersecurity firm. He has advised chief information officers and consulted for boards of directors on cybersecurity related issues and attacks.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]
Our CISO oversees our governance programs, tests our compliance with standards, remediates known risks, and leads our employee training program on information security. He is also responsible for keeping HGV apprised of the latest developments in cybersecurity, including potential threats and innovative risk management techniques. We believe this ongoing knowledge acquisition is crucial for the effective prevention, detection, mitigation, and remediation of cybersecurity incidents. The CISO implements and oversees processes for the regular monitoring of our information systems. This includes the deployment of advanced security measures and regular system audits to identify potential vulnerabilities. In the event of a cybersecurity incident, the CISO is equipped with a well-defined incident response plan. This plan includes immediate actions designed to mitigate the impact and long-term strategies for remediation and prevention of future incidents.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag] true
v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
12 Months Ended
Dec. 31, 2025
Accounting Policies [Abstract]  
Consolidation
The consolidated financial statements presented herein include all of our assets, liabilities, revenues, expenses and cash flows as well as all entities in which we have a controlling financial interest. The determination of a controlling financial interest is based upon the terms of the governing agreements of the respective entities, including the evaluation of rights held by other interests. If the entity is considered to be a variable interest entity (“VIE”), we determine whether we are the primary beneficiary, and then consolidate those VIEs for which we have determined we are the primary beneficiary. If the entity in which we hold an interest does not meet the definition of a VIE, we evaluate whether we have a controlling financial interest through our voting interests in the entity. We consolidate entities when we own more than 50% of the voting shares of a company or otherwise have a controlling financial interest, including Bluegreen/Big Cedar Vacations LLC (“Big Cedar”), a joint venture in which we are deemed to hold a controlling financial interest based on its 51% equity interest, its active role as the day-to-day manager of its activities, and majority voting control of its management committee. We acquired our equity interest in Big Cedar as part of the Bluegreen Acquisition. All material intercompany transactions and balances have been eliminated in consolidation. Our accompanying consolidated financial statements reflect all adjustments, including normal recurring items, considered necessary for a fair presentation.
During the first quarter of 2025, we renamed the line item “Sales, marketing, brand and other fees” as previously shown on the consolidated statements of income, and used elsewhere within our filing, to “Fee-for-service commissions, package sales and other fees” to better align with the underlying activity. This change did not result in any reclassification of revenues and had no impact on our consolidated results for any of the periods presented.
Basis of Presentation The consolidated financial statements reflect our financial position, results of operations and cash flows as prepared in conformity with U.S. generally accepted accounting principles (“U.S. GAAP”).
Use of Estimates
Use of Estimates
The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the amounts reported and, accordingly, ultimate results could differ from those estimates.
Revenue Recognition
Revenue Recognition
We account for revenue in accordance with Accounting Standards Codification (“ASC”) Topic 606. Revenue is recognized upon the transfer of control of promised goods or services to customers in an amount that reflects the consideration we expect to receive in exchange for those products or services. To achieve the core principle of the guidance, we take the following steps: (i) identify the contract with the customer; (ii) determine whether the promised goods or services are separate performance obligations in the contract; (iii) determine the transaction price, including considering the constraint on variable consideration; (iv) allocate the transaction price to the performance obligations in the contract based on the standalone selling price or estimated standalone selling price of the good or service; and (v) recognize revenue when (or as) we satisfy each performance obligation.
Contracts with Multiple Performance Obligations
Contracts with Multiple Performance Obligations
A performance obligation is a promise in a contract to transfer a distinct good or service to the customer and is the unit of account in ASC 606. For arrangements that contain multiple goods or services, we determine whether such goods or
services are distinct performance obligations that should be accounted for separately in the arrangement, and allocate the transaction price based on the relative standalone sales price of the performance obligations. We then recognize the revenue allocated to each performance obligation as the related performance obligation is satisfied as discussed below.
Sales of VOIs, net — Customers who purchase our vacation ownership products, whether paid in cash or financed, enter into multiple contracts, which we combine and account for as a single contract. Revenue from VOI sales is recognized at the point in time when control of the VOI is transferred to the customer which is when the customer has executed a binding sales contract, collectability is reasonably assured and the applicable statutory rescission period has expired. Revenue from sales of VOIs under construction is deferred until the point in time when construction activities are deemed to be completed, occupancy of the development is permissible, and the above criteria has been met. For financed sales, we estimate the variable consideration to be received under such contracts and recognize revenue net of amounts deemed uncollectible, as the VOI is returned to inventory upon customer default. The variable consideration is estimated based on the expected value method, which is based on historical default rates, to the extent that it is probable that a significant reversal is not expected to occur. Variable consideration which has not been included within the transaction price is presented as a reserve on the financing receivable. See Note 7: Timeshare Financing Receivables for additional information regarding our estimate of variable consideration.
Vacation ownership product sales include revenue from the sale of VOIs, which in the case of the trust products, are represented by an annual or biennial allotment of points that can be utilized for vacations at resorts in our network for varying lengths of stay. Typical contracts include the sale of VOIs, certain sales incentives primarily in the form of additional points for use over a specified period of time (“Bonus Points”), and generally membership of the Clubs, each of which represent a separate and distinct performance obligation for which consideration is allocated based on the estimated stand-alone selling price of the sales incentives and membership dues. We recognize revenue related to our VOIs when collectability is reasonably assured and control passes to the customer, which occurs after the expiration of the applicable statutory rescission period.
Bonus Points are valid for a specified period of time (generally for a period between 18 and 30 months) and may be used for stays at properties within our resort network, or converted to use for hotel reservations within Hilton’s system and VOI interval exchanges with other third-party vacation ownership exchanges. At the time of the VOI sale, we estimate the fair value of sales incentives to be redeemed, including an adjustment for estimated breakage, to determine the standalone selling price of these incentives. We defer a portion of the total transaction price for the combined VOI contract as a liability for the incentives and recognize the corresponding revenue at the point in time when the customer receives the benefits of the incentives, which is upon the customer’s redemption of the Bonus Points. At that time, we also determine whether we are principal or agent for the redeemed good or service and recognize revenue on a gross or net basis accordingly.
Fee-for-service commissions, package sales and other fees — We enter into contracts with third-party developers to sell VOIs on their behalf through fee-for-service agreements for which we earn sales commissions and other fees. These commissions are variable as they are based on the sales and marketing results, which are subject to the constraint on variable consideration and resolved on a monthly basis over the contract term. We estimate such commissions to the extent that it is probable that a significant reversal of such revenue will not occur and recognize the commissions as the developer receives and consumes the benefits of the services. Any changes in these estimates would affect revenue and earnings in the period such variances are realized.
Additionally, we enter into contracts to sell prepaid vacation packages. Our obligation in such contracts is satisfied when customers stay at our properties; therefore, we recognize revenue inclusive of an estimate for expected breakage for these packages when they are redeemed.
Resort and club management — As part of our VOI sales, a majority of our customers enter into a Club arrangement which allows the member to exchange points for a number of vacation options. We manage the Clubs, receiving annual dues, transaction fees from member exchanges, and, when applicable, activation fees. The member's first year of annual dues and, when applicable, the activation fee, are payable at the time of the VOI sale.
The Club activation fee relates to a one-time fee paid by the customer at the time a customer joins one of our Clubs. Since our customers are granted the opportunity to renew their membership on an annual basis
for no additional activation fee, we defer and amortize the activation fee on a straight-line basis using a seven-year average club membership.
Annual dues for membership renewals are billed each year, and we recognize revenue from these annual dues over the period services are rendered. A member may elect to enter into an optional exchange transaction at which point the member pays their required transaction fee. This option does not represent a material right as the transactions are priced at their standalone selling price. Revenue related to the transaction is recognized when the services are rendered.
As part of our resort operations, we contract with Homeowner’s Associations (“HOAs”) to provide day-to-day-management services, including housekeeping services, operation of a reservation system, maintenance, and certain accounting and administrative services. We receive compensation for such management services, which is generally based on a percentage of costs to operate the resorts, on a monthly basis. These fees represent a form of variable consideration and are recognized over time as the HOAs receive and consume the benefits of the management services. Management fees earned related to the portion of unsold VOIs at each resort which we own are recognized on a net basis given we retain these VOIs in our inventory.
Rental and ancillary services — Our rental and ancillary services consist primarily of rental revenues on unoccupied vacation ownership units and inventory made available due to ownership exchanges through our club program and ancillary revenues. Rental revenue is recognized when occupancy has occurred. Advance deposits on the rental unit and the corresponding revenue are deferred and recognized upon the customer’s vacation stay. Ancillary revenues consist of food and beverage, retail, spa offerings and other items. We recognize ancillary revenue when goods have been provided and/or services have been rendered.
We account for rental operations of unsold VOIs, including accommodations provided through the use of our vacation sampler programs, as incidental operations. In all periods presented, incremental carrying costs exceeded incremental revenues, and all revenues and expenses are recognized in the period earned or incurred.
Cost reimbursements — As part of our management agreements with HOAs and fee-for-service developers, we receive cost reimbursements for performing the day-to-day management services, including direct and indirect costs that HOAs and developers reimburse to us. These costs primarily consist of insurance, payroll and payroll related costs for management of the HOAs and other services we provide where we are the employer and provide insurance. Cost reimbursements are based upon actual expenses with no added margin, and are billed to the HOA on a monthly basis. We recognize cost reimbursements when we incur the related reimbursable costs as the HOA receives and consumes the benefits of the management services.
We capitalize all incremental costs incurred to obtain a contract when such costs would not have been incurred if the contract had not been obtained. We elect to expense costs incurred to obtain a contract when the deferral period would be one year or less. These contract costs are recognized at the point in time that the revenue related to the incremental cost is recognized. Commissions for VOI sales for resorts under construction are expensed when the associated VOI revenue is recognized which is upon completion of the resort. These commissions are classified as Sales and marketing expense in our consolidated statements of income.
We expense indirect sales and marketing costs we incur to sell VOIs and vacation packages when incurred. Deferred selling expenses, which are direct selling costs related to a contract for which revenue has not yet been recognized, were $85 million and $24 million as of December 31, 2025 and 2024 and were included in Other assets on our consolidated balance sheets. For the year ended December 31, 2025, we recognized $5 million of expense related to costs deferred as of December 31, 2024. For the year ended December 31, 2024, we recognized $11 million of expense related to costs deferred as of December 31, 2023. For the year ended December 31, 2023, we recognized $7 million of expense related to costs deferred as of December 31, 2022.
Other than the United States, there were no countries that individually represented more than 10% of total revenues for the years ended December 31, 2025, 2024 and 2023.
For the years ended December 31, 2025, 2024 and 2023, we did not earn more than 10% of our total revenue from one customer.
We are required to collect certain taxes and fees from customers on behalf of government agencies and remit these back to the applicable governmental agencies on a periodic basis. We have a legal obligation to act as a collection agent
with respect to these taxes and fees. We do not retain these taxes and fees and, therefore, they are not included in revenues. We record a liability when the amounts are collected and relieve the liability when payments are made to the applicable taxing authority or other appropriate governmental agency.
Business Combinations
Business Combinations
We account for our business combinations in accordance with the acquisition method of accounting. We allocate the purchase price of an acquisition to the tangible and intangible assets acquired, liabilities assumed and noncontrolling interest based on their estimated fair values at the acquisition date. For each acquisition, we recognize goodwill as the amount in which consideration transferred for the acquired entity exceeds the fair values of net assets plus noncontrolling interest. The fair value of net assets is the fair value assigned to the assets acquired reduced by the fair value assigned to liabilities assumed. In determining the fair values of assets acquired, liabilities assumed and noncontrolling interest, we use various recognized valuation methods including discounted cash flow models, and the income, cost and market approaches. We utilize independent valuation specialists under our supervision for certain of our assignments of fair value. We record the net assets, noncontrolling interest and results of operations of an acquired entity in our consolidated financial statements from the acquisition date through period-end. We expense acquisition-related expenses as incurred and include such expenses within Acquisition and integration-related expense on our consolidated statements of income.
Acquired Financial Assets with Credit Deterioration
Acquired Financial Assets with Credit Deterioration
When financial assets are acquired, whether in connection with a business combination or an asset acquisition, we evaluate whether those acquired financial assets have experienced a more-than-insignificant deterioration in credit quality since origination. Financial assets that were acquired with evidence of such credit deterioration are referred to as purchased credit deteriorated (“PCD”) assets and reflect the acquirer’s assessment at the acquisition date. The evaluation of PCD assets is a qualitative assessment requiring management judgment. We consider indicators such as delinquency, FICO score deterioration, purchased credit impaired status from prior acquisition, certain account status codes which we believe are indicative of credit deterioration, foreign currency exchange risks, as well as certain loan activity such as modifications and downgrades. In addition, we consider the impact of current and forward-looking economic conditions relative to the conditions which would have existed at origination.
Acquired PCD assets are recorded at the purchase price, represented by the acquisition date fair value, and subsequently “grossed-up” by the acquirer’s acquisition date assessment of the allowance for credit losses. The purchase price and the initial allowance for credit losses collectively represent the PCD asset’s initial amortized cost basis. While the initial allowance for credit losses of PCD assets does not impact period earnings, the Company remeasures the allowance for credit losses for PCD assets during each subsequent reporting period; changes in the allowance are recognized as provision expense within period earnings. The difference over which par value of the acquired PCD assets exceeds the purchase price plus the initial allowance for credit losses is reflected as a non-credit discount (or premium) and is accreted into interest income (or as a reduction to interest income) under the effective interest method.
Acquired financial assets which are not PCD assets are also recorded at the purchase price but are not similarly “grossed-up”. The acquirer recognizes an allowance for credit losses as of the acquisition date, which is recognized with a corresponding provision expense impact within earnings. The allowance is remeasured within each subsequent reporting period in the same manner as for PCD assets, with any change in the allowance recognized as provision expense in period earnings.
We acquired PCD assets as part of the Diamond Acquisition, the Grand Islander Acquisition and the Bluegreen Acquisition, and such PCD assets are referred to as “Legacy-Diamond”, “Legacy-Grand Islander”, and “Legacy-Bluegreen”.
Timeshare Financing Receivables and Allowance for Financing Receivables Losses
Our timeshare financing receivables consist of loans that are secured by the underlying timeshare properties. We have two timeshare financing receivables portfolios: (i) originated and (ii) acquired. Our originated portfolio represents timeshare financing receivables that originated by the businesses that we acquired from Diamond, Grand Islander, and Bluegreen subsequent to each respective acquisition date and all HGV timeshare financing receivables. Our acquired portfolio includes all of the Legacy-Diamond, Legacy-Grand Islander and Legacy-Bluegreen timeshare financing receivables that existed as of the respective acquisition dates. We evaluate each portfolio collectively, since each holds a large group of homogeneous timeshare financing receivables, which are individually immaterial. We monitor the collectability of our receivables on an ongoing basis. There are no significant concentrations of collection risk with any individual counterparty or groups of counterparties. We use a technique referred to as static pool analysis as the basis for estimating expected defaults and determining our allowance for financing receivable losses on our timeshare financing receivables. The static pool analysis includes several years of default data through which we stratify our portfolio using certain key dimensions such as FICO scores and equity percentage at the time of sale. The adequacy of the related allowance is determined by management through analysis of the specific risk characteristics of the portfolio including assumed default rates, aging and historical write-offs of these receivables. For our originated portfolio, we record an estimate of variable consideration as a reduction of revenue from financed VOI sales at the time revenue is recognized. We record the difference between the timeshare financing receivable and the variable consideration included in the transaction price for the sale of the related VOI as an allowance for financing receivables and record the receivable net of the allowance. For our acquired portfolio, any changes to the estimates of our allowance are recorded within Financing expense on our consolidated statements of income in the period in which the change occurs. In addition, for our acquired portfolio we also develop an inventory recovery assumption to reflect the recovery value of VOIs from future potential defaults. Our estimate of inventory recovery is principally based upon the fair value of underlying VOIs and assumed default rates and is reflected as a reduction to the estimated gross allowance. Once a timeshare financing receivable within the acquired portfolio is charged-off, the loan's corresponding inventory recovery amount is reclassified from the allowance into inventory. The allowance is maintained at a level deemed adequate by management based on a periodic analysis of the mortgage portfolio.
We determine our timeshare financing receivables to be past due based on the contractual terms of the individual mortgage loans. We recognize interest income on our timeshare financing receivables as earned. The interest rate charged
on the notes correlates to the risk profile of the borrower at the time of purchase and the percentage of the purchase that is financed, among other factors. We apply payments we receive for loans, including those in non-accrual status, to amounts due in the following order: servicing fees; interest; principal; and late charges. Once a loan is 91 days past due, we cease accruing interest and reverse the accrued interest recognized up to that point. We resume interest accrual for loans for which we had previously ceased accruing interest once the loan is less than 91 days past due. We fully reserve for a timeshare financing receivable in the month following the date that the loan is 121 days past due and, subsequently, we write off the uncollectible note against the reserve once the foreclosure process, which is governed by product type and law, is complete.
Investments in Unconsolidated Affiliates
Investments in Unconsolidated Affiliates
We account for investments in unconsolidated affiliates under the equity method of accounting when we exercise significant influence, but do not maintain a controlling financial interest over the affiliates and are not the primary beneficiary of the VIE. We evaluate our investments in affiliates for impairment when there are indicators that the fair value of our investment may be less than our carrying value.
Cash and Cash Equivalents
Cash and Cash Equivalents
Cash and cash equivalents include all highly liquid investments with original maturities of three months or less.
Restricted Cash
Restricted Cash
Restricted cash includes deposits received on VOI sales that are held in escrow until legal requirements of the local jurisdictions are met with regards to project construction or contract status and cash reserves required by our non-recourse debt agreements. Restricted cash also includes certain amounts collected on behalf of HOAs.
Accounts Receivable and Allowance for Credit Losses
Accounts Receivable and Allowance for Credit Losses
Accounts receivable primarily consists of trade receivables and is reported as the customers’ outstanding balances, less any allowance for credit losses. The expected credit losses are measured using an expected-loss model that reflects the risk of loss and considers the losses expected over the outstanding period of the receivable.
Cloud Computing Arrangements
Cloud Computing Arrangements
We capitalize certain costs associated with cloud computing arrangements (“CCAs”). These costs are included in Other assets in our consolidated balance sheets and are expensed in the same line as the hosting arrangement in our consolidated statements of income using the straight-line method over the assets’ estimated useful lives, which is generally three to five years. We review the CCAs for impairment when circumstances indicate that their carrying amounts may not be recoverable. If the carrying value of an asset group is not recoverable, we recognize an impairment loss for the excess of carrying value over the fair value in our consolidated statements of income.
Derivative Instruments
Derivative Instruments
We use derivative instruments as part of our overall strategy to manage our exposure to market risks primarily associated with fluctuations in interest rates and do not use derivatives for trading or speculative purposes. We record the derivative instrument at fair value either as an asset or liability. We assess the effectiveness of our hedging instruments quarterly and record changes in fair value in Accumulated other comprehensive loss for the effective portion of the hedge and record the ineffectiveness of a hedge immediately in earnings in our consolidated statement of income. We release the derivative’s gain or loss from accumulated other comprehensive income or loss to match the timing of the underlying hedged item's effect on earnings.
Timeshare Financing Receivables and Allowance for Financing Receivables Losses
Acquired Financial Assets with Credit Deterioration
When financial assets are acquired, whether in connection with a business combination or an asset acquisition, we evaluate whether those acquired financial assets have experienced a more-than-insignificant deterioration in credit quality since origination. Financial assets that were acquired with evidence of such credit deterioration are referred to as purchased credit deteriorated (“PCD”) assets and reflect the acquirer’s assessment at the acquisition date. The evaluation of PCD assets is a qualitative assessment requiring management judgment. We consider indicators such as delinquency, FICO score deterioration, purchased credit impaired status from prior acquisition, certain account status codes which we believe are indicative of credit deterioration, foreign currency exchange risks, as well as certain loan activity such as modifications and downgrades. In addition, we consider the impact of current and forward-looking economic conditions relative to the conditions which would have existed at origination.
Acquired PCD assets are recorded at the purchase price, represented by the acquisition date fair value, and subsequently “grossed-up” by the acquirer’s acquisition date assessment of the allowance for credit losses. The purchase price and the initial allowance for credit losses collectively represent the PCD asset’s initial amortized cost basis. While the initial allowance for credit losses of PCD assets does not impact period earnings, the Company remeasures the allowance for credit losses for PCD assets during each subsequent reporting period; changes in the allowance are recognized as provision expense within period earnings. The difference over which par value of the acquired PCD assets exceeds the purchase price plus the initial allowance for credit losses is reflected as a non-credit discount (or premium) and is accreted into interest income (or as a reduction to interest income) under the effective interest method.
Acquired financial assets which are not PCD assets are also recorded at the purchase price but are not similarly “grossed-up”. The acquirer recognizes an allowance for credit losses as of the acquisition date, which is recognized with a corresponding provision expense impact within earnings. The allowance is remeasured within each subsequent reporting period in the same manner as for PCD assets, with any change in the allowance recognized as provision expense in period earnings.
We acquired PCD assets as part of the Diamond Acquisition, the Grand Islander Acquisition and the Bluegreen Acquisition, and such PCD assets are referred to as “Legacy-Diamond”, “Legacy-Grand Islander”, and “Legacy-Bluegreen”.
Timeshare Financing Receivables and Allowance for Financing Receivables Losses
Our timeshare financing receivables consist of loans that are secured by the underlying timeshare properties. We have two timeshare financing receivables portfolios: (i) originated and (ii) acquired. Our originated portfolio represents timeshare financing receivables that originated by the businesses that we acquired from Diamond, Grand Islander, and Bluegreen subsequent to each respective acquisition date and all HGV timeshare financing receivables. Our acquired portfolio includes all of the Legacy-Diamond, Legacy-Grand Islander and Legacy-Bluegreen timeshare financing receivables that existed as of the respective acquisition dates. We evaluate each portfolio collectively, since each holds a large group of homogeneous timeshare financing receivables, which are individually immaterial. We monitor the collectability of our receivables on an ongoing basis. There are no significant concentrations of collection risk with any individual counterparty or groups of counterparties. We use a technique referred to as static pool analysis as the basis for estimating expected defaults and determining our allowance for financing receivable losses on our timeshare financing receivables. The static pool analysis includes several years of default data through which we stratify our portfolio using certain key dimensions such as FICO scores and equity percentage at the time of sale. The adequacy of the related allowance is determined by management through analysis of the specific risk characteristics of the portfolio including assumed default rates, aging and historical write-offs of these receivables. For our originated portfolio, we record an estimate of variable consideration as a reduction of revenue from financed VOI sales at the time revenue is recognized. We record the difference between the timeshare financing receivable and the variable consideration included in the transaction price for the sale of the related VOI as an allowance for financing receivables and record the receivable net of the allowance. For our acquired portfolio, any changes to the estimates of our allowance are recorded within Financing expense on our consolidated statements of income in the period in which the change occurs. In addition, for our acquired portfolio we also develop an inventory recovery assumption to reflect the recovery value of VOIs from future potential defaults. Our estimate of inventory recovery is principally based upon the fair value of underlying VOIs and assumed default rates and is reflected as a reduction to the estimated gross allowance. Once a timeshare financing receivable within the acquired portfolio is charged-off, the loan's corresponding inventory recovery amount is reclassified from the allowance into inventory. The allowance is maintained at a level deemed adequate by management based on a periodic analysis of the mortgage portfolio.
We determine our timeshare financing receivables to be past due based on the contractual terms of the individual mortgage loans. We recognize interest income on our timeshare financing receivables as earned. The interest rate charged
on the notes correlates to the risk profile of the borrower at the time of purchase and the percentage of the purchase that is financed, among other factors. We apply payments we receive for loans, including those in non-accrual status, to amounts due in the following order: servicing fees; interest; principal; and late charges. Once a loan is 91 days past due, we cease accruing interest and reverse the accrued interest recognized up to that point. We resume interest accrual for loans for which we had previously ceased accruing interest once the loan is less than 91 days past due. We fully reserve for a timeshare financing receivable in the month following the date that the loan is 121 days past due and, subsequently, we write off the uncollectible note against the reserve once the foreclosure process, which is governed by product type and law, is complete.
Inventory and Cost of Sales
Inventory and Cost of Sales
Inventory includes unsold, completed VOIs and VOIs under construction. We carry our completed VOI inventory at the lower of cost or estimated fair value, less costs to sell, which can result in impairment losses and/or recoveries of previous impairments. Projects under development are under a held and use impairment model and are reviewed for indicators of impairment quarterly.
We capitalize costs directly associated with the acquisition, development and construction of a real estate project when it is probable that the project will move forward. We capitalize salary and related costs only to the extent they directly relate to the project. We capitalize interest expense, taxes and insurance costs when activities that are necessary to get the property ready for its intended use are underway. We cease capitalization of costs during prolonged gaps in development when substantially all activities are suspended or when projects are considered substantially complete. For the years ended December 31, 2025, 2024 and 2023, capitalized interest was $10 million, $10 million and $3 million.
We account for our VOI inventory and cost of VOI sales using the relative sales value method. We do not reduce inventory for the cost of VOI sales related to anticipated defaults, and accordingly, no adjustment is made when inventory is reacquired upon default of the related receivable. This results in changes in estimates within the relative sales value calculations to be accounted for as real estate inventory true-ups, which we refer to as cost of sales true-ups, and are included in Cost of VOI sales in our consolidated statements of income to retrospectively adjust the margin previously recognized subject to those estimates. Significant assumptions include future VOI sales prices, timing and volume of VOI sales, and provisions for financing receivables losses on financed sales of VOIs. Other assumptions include sales incentives, projected future cost and volume of recoveries.
Property and Equipment
Property and Equipment
Property and equipment are recorded at cost and include land, buildings and leasehold improvement and furniture and equipment at our corporate offices, sales centers and management offices. Additionally, certain property and equipment is held for future conversion into inventory. Construction in progress primarily relates to development activities. Costs that are capitalized related to development activities are classified as property and equipment until they are registered for sale. Costs of improvements that extend the economic life or improve service potential are also capitalized. Capitalized costs are depreciated over their estimated useful lives. Costs for normal repairs and maintenance are expensed as incurred. Other than the United States, there were no countries that individually represented over 10% of total property and equipment, net as of December 31, 2025 and 2024.
Depreciation is recorded using the straight-line method over the assets’ estimated useful lives, which are generally as follows: buildings and improvements (eight to forty years); furniture and equipment (three to fifteen years, including our corporate jet); and computer equipment and acquired software (three years). Leasehold improvements are depreciated over the shorter of the estimated useful life, based on the estimates above, or the lease term.
We evaluate the carrying value of our property and equipment if there are indicators of potential impairment. We perform an analysis to determine the recoverability of the asset’s carrying value by comparing the expected undiscounted future cash flows to the net book value of the asset. If it is determined that the expected undiscounted future cash flows are less than the net book value of the asset, we calculate the asset’s fair value. The impairment loss recognized is equal to the amount that the net book value is in excess of fair value. Fair value is generally estimated using valuation techniques that consider the discounted cash flows of the asset using discount and capitalization rates deemed reasonable for the type of asset, as well as prevailing market conditions, appraisals, recent similar transactions in the market and, if appropriate and available, current estimated net sales proceeds from pending offers.
Leases
Leases
We lease sales centers, office space and equipment under lease agreements. We determine if an arrangement is a lease at inception. Amounts related to operating leases are included in Operating lease right-of-use (“ROU”) assets, net and Operating lease liabilities in our consolidated balance sheets. ROU assets are adjusted for lease incentives received.
ROU assets and operating lease liabilities are recognized based on the present value of lease payments over the lease term as of the commencement date. Because most of our leases do not provide an explicit or implicit rate of return, we use our incremental borrowing rate based on the information available at the commencement date in determining the present value of lease payments on an individual lease basis. Our incremental borrowing rate for a lease is the rate of interest we would have to pay on a collateralized basis to borrow an amount equal to the lease payments for the asset under similar terms.
We have lease agreements with lease and non-lease components, which are accounted for as a single lease component. Our operating leases may require minimum rent payments, contingent rent payments based on a percentage of revenue or income, or rental payments adjusted periodically for inflation or rent payments equal to the greater of a minimum rent or contingent rent. Our leases do not contain any residual value guarantees or material restrictive covenants. Leases with an initial term of 12 months or less are not recorded on the consolidated balance sheets and lease expense is recognized on a straight-line basis over the lease term.
We monitor events or changes in circumstances that change the timing or amount of future lease payments which results in the remeasurement of a lease liability, with a corresponding adjustment to the ROU asset. ROU assets for operating and finance leases are periodically reviewed for impairment losses under ASC 360-10, Property, Plant, and Equipment, to determine whether a ROU asset is impaired, and if so, the amount of the impairment loss to recognize.
Goodwill and Intangible Assets
Goodwill
Goodwill acquired in business combinations is assigned to the reporting units expected to benefit from the combination as of the acquisition date. We do not amortize goodwill. We evaluate goodwill for potential impairment at least annually, on October 1, or more frequently if an event or other circumstance indicates that it is more-likely-than-not that we may not be able to recover the carrying amount (book value) of the net assets of the related reporting unit. The review is based on either a qualitative assessment or a two-step impairment test. When evaluating goodwill for impairment, we may perform the optional qualitative assessment by considering factors including macroeconomic conditions, industry and market conditions, overall financial performance of our reporting units, and other relevant entity-specific events. If we bypass the qualitative assessment, or if we conclude that it is more likely than not that the fair value of a reporting unit is less than its carrying value, then we perform a quantitative impairment test by comparing the fair value of a reporting unit with its carrying amount. We recognize an impairment on goodwill if the estimated fair value of a reporting unit is less than its carrying value, in an amount not to exceed the carrying value of the reporting unit's goodwill. No goodwill impairment charges were recognized during the years ended December 31, 2025, 2024 and 2023, and there is no accumulated impairment of goodwill for any period presented in the consolidated financial statements. During the years ended December 31, 2024 and 2023, the changes in goodwill were limited to increases in goodwill resulting from the Grand Islander and Bluegreen Acquisitions and increases or decreases resulting from any related measurement period adjustments. There were no changes to goodwill or measurement period adjustments during the year ended December 31, 2025.
Intangible Assets
Our intangible assets consist of trade name, management contracts, club member relationships, marketing agreements, and other contract-related intangible assets. Additionally, we capitalize costs incurred to develop internal-use computer software, including costs incurred in connection with development of upgrades or enhancements that result in additional functionality. These capitalized costs are included in Intangible assets, net in our consolidated balance sheets. Intangible assets with finite useful lives are amortized using the straight-line method over their respective useful lives, which varies for each type of intangible, unless another amortization method is deemed to be more appropriate. In our consolidated statements of income, the amortization of these intangible assets is included in Depreciation and amortization expense.
In estimating the useful life of acquired assets, we reviewed the expected use of the assets acquired, factors that may limit the useful life of an acquired asset or may enable the extension of the useful life of an acquired asset without substantial cost, the effects of obsolescence, demand, competition and other economic factors, and the level of maintenance expenditures required to obtain the expected future cash flows from the asset.
We review all finite life intangible assets for impairment when circumstances indicate that their carrying amounts may not be recoverable. If the carrying value of an asset group is not recoverable, we recognize an impairment loss for the excess of the carrying value over the fair value in our consolidated statements of income. As of December 31, 2025 and 2024, other than goodwill, we do not have any indefinite life intangible assets.
Deferred Financing Costs
Deferred Financing Costs
Deferred financing costs, including legal fees and upfront lender fees, related to the Company’s debt and non-recourse debt are deferred and amortized over the life of the respective debt using the effective interest method. The capitalized costs related to the Timeshare Facility and the Revolver are included in Other assets while the remaining capitalized costs related to all other debt instruments are included in Debt, net and Non-recourse debt, net in our consolidated balance sheets. The amortization of deferred financing costs is included in Interest expense in our consolidated statements of income.
Fair Value Measurements-Valuation Hierarchy
Fair Value Measurements—Valuation Hierarchy
Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants on the measurement date (an exit price). We use the three-level valuation hierarchy for classification of fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. Inputs refer broadly to the assumptions that market participants would use in pricing an asset or liability. Inputs may be observable or unobservable. Observable inputs are inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from independent sources. Unobservable inputs are inputs that reflect our own assumptions about the data market participants would use in pricing the asset or liability developed based on the best information available in the circumstances. The three-level hierarchy of inputs is summarized below:
Level 1—Valuation is based upon quoted prices (unadjusted) for identical assets or liabilities in active markets;
Level 2—Valuation is based upon quoted prices for similar assets and liabilities in active markets, or other inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the instrument; and
Level 3—Valuation is based upon unobservable inputs that are significant to the fair value measurement.
The classification of assets and liabilities within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement in its entirety.
Currency Translation and Remeasurement
Currency Translation and Remeasurement
The United States dollar (“USD”) is our reporting currency and is the functional currency of the majority of our operations. For operations whose functional currency is not the USD, assets and liabilities measured in foreign currencies are translated into USD at the prevailing exchange rates in effect as of the financial statement date, and the related gains and losses are reflected within Accumulated other comprehensive loss in our consolidated balance sheets. Related income and expense accounts are translated at the average exchange rate for the period. Gains and losses from foreign exchange rate changes related to transactions denominated in a currency other than an entity’s functional currency or transactions related to intercompany receivables and payables denominated in a currency other than an entity’s functional currency that are not of a long-term investment nature are recognized as gains or losses on foreign currency transactions. These gains or losses are included in Other gain (loss), net in our consolidated statements of income.
Share-Based Compensation
Share-Based Compensation
Certain of our employees participated in our 2023 Omnibus Incentive Plan which compensates eligible employees and directors. The measurement objective for these equity awards is the estimated fair value at the grant date of the equity instruments that we are obligated to issue when employees have rendered the requisite service and satisfied any other conditions necessary to earn the right to benefit from the instruments. Compensation expense is based on the share-based awards granted to our employees and recognized ratably over the requisite service period and the corresponding change is recognized in Additional paid-in capital in our consolidated balance sheets. The requisite service period is the period during which an employee is required to provide service in exchange for an award. We recognize forfeitures of awards as they occur.
Income Taxes
Income Taxes
We account for income taxes using the asset and liability method. The objectives of accounting for income taxes are to recognize the amount of taxes payable or refundable for the current year and to recognize the deferred tax assets and liabilities that relate to tax consequences in future years. Deferred tax assets and liabilities result from differences between the respective tax basis of assets and liabilities and their financial reporting amounts, and tax loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which the respective temporary differences or operating loss or tax credit carryforwards are expected to be recovered or settled. The
realization of deferred tax assets is contingent upon the generation of future taxable income and other restrictions that may exist under the tax laws of the jurisdiction in which a deferred tax asset exists. Valuation allowances are provided to reduce such deferred tax assets to amounts more likely than not to be ultimately realized.
We use a prescribed recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken in a tax return. For all income tax positions, we first determine whether it is “more-likely-than-not” that a tax position will be sustained upon examination, including resolution of any related appeals or litigation processes, based on the technical merits of the position. If it is determined that a position meets the more-likely-than-not recognition threshold, the benefit recognized in the financial statements is measured as the largest amount of benefit that is greater than 50% likely of being realized upon settlement. Interest and penalties related to unrecognized tax benefits are recognized as a component of income tax expense in the accompanying consolidated statement of income. Accrued interest and penalties are included on the related tax liability line in the consolidated balance sheet.
We made an accounting policy election related to accounting for the tax effects of Net Controlled Foreign Corporation Tested Income (“NCTI”, formerly known as Global Intangible Low Taxed Income or “GILTI”) that was implemented as part of the Tax Cuts and Jobs Act of 2017 (the “Tax Act”). With regard to NCTI, we have elected to recognize any current tax as an expense in the period it is incurred.
Earnings Per Share
Earnings Per Share
Basic earnings per share (“EPS”) is calculated by dividing the earnings attributable to stockholders by the weighted average number of common shares outstanding for the period. Diluted EPS is calculated to give effect to all potentially dilutive common shares that were outstanding during the reporting period. When there is a loss, potential common shares should not be included in the computation of diluted EPS; hence, diluted EPS would equal basic EPS in a period of loss.
Defined Contribution Plan
Defined Contribution Plan
We administer and maintain a defined contribution plan for the benefit of all employees meeting certain eligibility requirements who elect to participate in the plan. Contributions are determined based on a specified percentage of salary and bonus deferrals by participating employees. We recognized compensation expense for our participating employees totaling $37 million, $34 million and $23 million for the years ended December 31, 2025, 2024 and 2023.
Noncontrolling Interest
Noncontrolling Interest
Noncontrolling interest reflects a third party’s ownership interest in Big Cedar that is consolidated in our consolidated financial statements but is less than 100% owned by HGV. The noncontrolling interest is recognized as equity in our consolidated balance sheet and presented separately from the equity attributable to stockholders.
    The amounts of consolidated net income and comprehensive income attributable to stockholders and noncontrolling interest are separately presented in the consolidated statements of income and comprehensive income.
Recently Issued Accounting Pronouncements
Recently Issued Accounting Pronouncements
Adopted Accounting Standards
For the year ended December 31, 2025, we adopted the Financial Accounting Standards Board (“FASB”) Accounting Standards Update 2023-09 (“ASU 2023-09”), Income Taxes (Topic 740): Improvements to Income Tax Disclosures. ASU 2023-09 states that an entity must provide greater disaggregation of its effective tax rate reconciliation disclosure. The ASU also states that an entity must separately disclose net cash taxes paid between federal, state, and foreign jurisdictions. The guidance is to be applied prospectively. The impact of adoption of ASU 2023-09 was in disclosure only and did not have an impact on our consolidated balance sheets and statements of income. See Note 18: Income Taxes for additional information.
Accounting Standards Not Yet Adopted
In November 2024, the FASB issued Accounting Standards Update 2024-03 (“ASU 2024-03”), Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses. ASU 2024-03 provides amendments to improve disclosure requirements of specified information about certain costs and expenses, both on an interim and annual basis. The guidance is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. The guidance should be applied either (1) prospectively or (2) retrospectively to any or all prior periods presented. The impact of adoption of
ASU 2024-03 is expected to impact disclosures only and not have a material impact on our consolidated balance sheet and statement of income.
In July 2025, the FASB issued Accounting Standards Update 2025-05 (“ASU 2025-05”), Financial Instruments—Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets. ASU 2025-05 provides a practical expedient that allows entities to estimate expected credit losses for current accounts receivable and contract assets without needing to predict future economic conditions. The guidance is to be applied prospectively and is effective for fiscal years beginning after December 15, 2025, and interim periods within those fiscal years. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
In September 2025, the FASB issued Accounting Standards Update 2025-06 (“ASU 2025-06”), Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. ASU 2025-06 provides amendments to modernize the accounting for software costs. The guidance may be applied either (1) prospectively, (2) retrospectively, or (3) using a modified transition approach with early adoption permitted. ASU 2025-06 is effective for fiscal years beginning after December 15, 2027, and interim periods within those fiscal years. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
In November 2025, the FASB issued Accounting Standards Update 2025-08 (“ASU 2025-08”), Financial Instruments—Credit Losses (Topic 326): Purchased Loans. ASU 2025-08 provides amendments that require purchased seasoned loans be accounted for using the gross-up approach at acquisition. The guidance is to be applied prospectively and is effective for fiscal years beginning after December 15, 2026 and interim periods within those fiscal years. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
In December 2025, the FASB issued Accounting Standards Update 2025-11 (“ASU 2025-11”) Interim Reporting (Topic 270): Narrow-Scope Improvements. ASU 2025-11 provides amendments to improve the navigability of the required interim disclosures and clarify when that guidance is applicable. ASU 2025-11 is effective for interim periods within annual reporting periods beginning after December 15, 2027. The guidance may be applied either (1) prospectively or (2) retrospectively to any or all prior periods presented. We are currently evaluating the effects of this ASU but do not expect a material impact on our financial statements or disclosures.
v3.25.4
BLUEGREEN ACQUISITION (Tables)
12 Months Ended
Dec. 31, 2025
Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]  
Schedule of Acquisition Pro Forma Information
The following unaudited pro forma information presents the combined results of operations of HGV and Bluegreen as if we had completed the Bluegreen Acquisition on January 1, 2023, the first day of our 2023 fiscal year, but using the fair values of assets and liabilities as of the Bluegreen Acquisition Date. These unaudited pro forma results do not reflect any synergies from operating efficiencies. Accordingly, these unaudited pro forma results are presented for informational purposes only and are not necessarily indicative of what the actual results of operations of the combined company would have been if the Bluegreen Acquisition had occurred at the beginning of the period presented, nor are they indicative of future results of operations.
Year Ended December 31,
($ in millions)
2024
2023
Revenue$5,028 $5,013 
Net income
66 224 
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS (Tables)
12 Months Ended
Dec. 31, 2025
Revenue from Contract with Customer [Abstract]  
Schedule of Disaggregated Revenues by Segment from Contracts with Customers
The following tables show our disaggregated revenues by product and segment from contracts with customers. We operate our business in the following two reportable segments: (i) Real estate sales and financing and (ii) Resort operations and club management. See Note 22: Business Segments for more information related to our segments.
($ in millions)
Year Ended December 31,
Real Estate Sales and Financing Segment202520242023
Sales of VOIs, net$1,812 $1,909 $1,416 
Fee-for-service commissions, package sales and other fees
664 637 634 
Interest income473 425 273 
Other financing revenue40 39 34 
Real estate sales and financing segment revenues$2,989 $3,010 $2,357 
($ in millions)
Year Ended December 31,
Resort Operations and Club Management Segment202520242023
Club management$321 $303 $240 
Resort management457 419 329 
Rental(1)
692 682 623 
Ancillary services54 51 43 
Resort operations and club management segment revenues$1,524 $1,455 $1,235 
(1)Excludes intersegment eliminations. See Note 22: Business Segments for additional information.
Schedule of Accounts Receivable from Contracts with Customers and Composition of Contract Liabilities
The following table provides information on our contracts with customers which are included in Accounts Receivable, net and Timeshare financing receivables, net on our consolidated balance sheets:
($ in millions)
December 31,
Receivables from contracts with customers:
20252024
Accounts receivable, net$200 $219 
Timeshare financing receivables, net(1)
3,115 3,006 
Total
$3,315 $3,225 
(1) Includes $528 million and $878 million of acquired timeshare financing receivables, net, as of December 31, 2025 and 2024.
The following table presents the composition of our contract liabilities:
($ in millions)
December 31,
Contract liabilities:20252024
Advanced deposits$228 $226 
Deferred sales of VOIs of projects under construction46092
Club activation fees and annual dues
7470
Bonus Point incentive liability(1)
113104
Other
4238
(1)This balance includes $52 million of bonus point incentive liabilities included in Accounts payable, accrued expenses and other on our consolidated balance sheets as of both December 31, 2025 and 2024. This liability is for incentives from VOI sales and sales and marketing expenses in conjunction with our fee-for-service arrangements.
Schedule of Deferred Revenue Cost of Sales and Direct Selling Costs from Sales of Project Under Construction The following table presents the deferred revenue, deferred cost of VOI sales and deferred direct selling costs from sales of VOIs related to projects under construction:
December 31,
($ in millions)20252024
Sales of VOIs, net$460 $92 
Cost of VOI sales133 28 
Sales and marketing expense74 13 
Schedule of Remaining Transaction Price Related to Advanced Deposits Club Activation Fees and Club Bonus Points
The following table includes the remaining transaction price related to our contract liabilities as of December 31, 2025:
($ in millions)Remaining
Transaction Price
Recognition PeriodRecognition Method
Advanced deposits$228 18 monthsUpon customer stays
Club activation fees73 7 yearsStraight-line basis over average inventory holding period
Bonus Points incentive liability
113 
18 - 30 months
Upon redemption
Annual club dues
1 year
Straight-line basis
Other
42 1 year
Straight-line basis
v3.25.4
RESTRICTED CASH (Tables)
12 Months Ended
Dec. 31, 2025
Cash and Cash Equivalents [Abstract]  
Schedule of Restricted Cash
Restricted cash was as follows:
December 31,
($ in millions)20252024
Escrow deposits on VOI sales$160 $204 
Reserves related to non-recourse debt(1)
142 193 
Other(2)
30 41 
Total$332 $438 
(1)See Note 15: Debt and Non-recourse Debt for additional information.
(2)Other restricted cash primarily includes cash collected on behalf of HOAs, deposits related to servicer arrangements and other deposits.
v3.25.4
ACCOUNTS RECEIVABLE (Tables)
12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Schedule of Accounts Receivable, Net of Allowance for Credit Losses The following table represents our accounts receivable, net of allowance for credit losses:
December 31,
($ in millions)20252024
Fee-for-service commissions$18 $48 
Real estate and financing40 34 
Resort and club operations142 137 
Tax receivables66 89 
Other receivables
Total$270 $315 
Schedule of Changes in Allowance
The changes in our allowance during the year ended December 31, 2025 were as follows:
($ in millions)
Fee-for-service commissions
Real estate and financing
Resort and club operations
Total
Balance as of December 31, 2024
$24 $49 $$74 
Current period provision for expected credit losses11 41 14 66 
Write-offs charged against the allowance(5)(28)(14)(47)
Balance at December 31, 2025
$30 $62 $$93 
v3.25.4
TIMESHARE FINANCING RECEIVABLES (Tables)
12 Months Ended
Dec. 31, 2025
Receivables [Abstract]  
Schedule of Financing Receivable The following table presents the components of each portfolio by class of timeshare financing receivables:
OriginatedAcquired
($ in millions)December 31,
2025
December 31,
2024
December 31,
2025
December 31,
2024
Securitized$1,734 $1,168 $373 $641 
Unsecuritized(1)
1,931 1,764 276 443 
Timeshare financing receivables, gross$3,665 $2,932 $649 $1,084 
Unamortized non-credit acquisition premium
— — 34 62 
Less: allowance for financing receivables losses(1,078)(804)(155)(268)
Timeshare financing receivables, net$2,587 $2,128 $528 $878 
(1)Includes amounts used as collateral to secure a non-recourse revolving timeshare receivable credit facility (“Timeshare Facility”) as well as amounts held as future collateral for securitization activities.
Schedule of Change in Allowance for Financing Receivables Losses
The changes in our allowance for financing receivables losses were as follows:
($ in millions)
Originated
Acquired
Balance as of December 31, 2022$404 $338 
Provision for financing receivables losses(1)
171 (1)
Initial allowance for purchased credit deteriorated financing receivables acquired during the period(2)
— 30 
Write-offs(73)(116)
Inventory recoveries— 26 
Upgrades(3)
(2)
Balance as of December 31, 2023$500 $279 
Provision for financing receivables losses(1)
363 14 
Initial allowance for purchased credit deteriorated financing receivables acquired during the period(2)
— 157 
Write-offs(106)(258)
Inventory recoveries— 123 
Upgrades(3)
47 (47)
Balance as of December 31, 2024$804 $268 
Provision for financing receivables losses(1)
430 20 
Write-offs(187)(186)
Inventory recoveries— 84 
Upgrades(3)
31 (31)
Balance as of December 31, 2025$1,078 $155 
(1) For the Originated portfolio, this amount includes incremental provision for financing receivables losses, net of activity related to the repurchase of defaulted and upgraded timeshare financing receivables. For the Acquired portfolio, this amount includes incremental provision for credit loss expense from Acquired loans.
(2) The initial gross allowance determined for receivables with credit deterioration was $163 million as of the Bluegreen Acquisition Date and $30 million as of the Grand Islander Acquisition Date. We also reduced the initial allowance determined for receivables with credit deterioration for Legacy-Grand Islander by $6 million during the first quarter of 2024.
(3) Represents the initial change in allowance resulting from upgrades of Acquired loans. Upgraded Acquired loans and their related allowance are included in the Originated portfolio.
Schedule of Future Payments Due from Financing Receivables
Our originated timeshare financing receivables as of December 31, 2025, mature as follows:
Originated Timeshare Financing Receivables
($ in millions)SecuritizedUnsecuritizedTotal
Year
2026$147 $125 $272 
2027159 130 289 
2028169 144 313 
2029178 163 341 
2030190 182 372 
Thereafter891 1,187 2,078 
Total$1,734 $1,931 $3,665 
Our acquired timeshare financing receivables as of December 31, 2025, mature as follows:
Acquired Timeshare Financing Receivables
($ in millions)SecuritizedUnsecuritizedTotal
Year
2026$61 $37 $98 
202762 38 100 
202858 39 97 
202952 39 91 
203047 36 83 
Thereafter93 87 180 
Total$373 $276 $649 
Schedule of Financing Receivables by Average FICO Score
Our originated gross balances by average FICO score of our originated timeshare financing receivables were as follows:
Originated
December 31, 2025
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
FICO score
700+$1,068 $603 $43 $592 $2,306 
600-699373 340 11 176 900 
<60050 53 12 116 
No score(1)
279 22 37 343 
Total$1,770 $1,018 $92 $785 $3,665 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
Originated
December 31, 2024
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
FICO score
700+$956 $505 $23 $356 $1,840 
600-699336 287 95 723 
<60041 42 — 85 
No score(1)
249 11 21 284 
Total$1,582 $845 $49 $456 $2,932 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
Our gross balances by average FICO score of our acquired timeshare financing receivables were as follows:
Acquired
December 31, 2025
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
FICO score
700+$85 $30 $235 $350 
600-69961 128 198 
<60012 — 17 
No score(1)
81 84 
Total$159 $120 $370 $649 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.

Acquired
December 31, 2024
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
FICO score
700+$159 $44 $385 $588 
600-699114 13 203 330 
<60025 — 33 
No score(1)
120 133 
Total$307 $177 $600 $1,084 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
Schedule of Details of Financing Receivables by Origination Year and Average FICO Score
The following table details our gross originated timeshare financing receivables by the origination year and average FICO score as of December 31, 2025:
Originated Timeshare Financing Receivables
($ in millions)20252024202320222021PriorTotal
FICO score
700+$1,186 $567 $239 $169 $68 $77 $2,306 
600-699410 231 115 82 30 32 900 
<60057 24 15 11 116 
No score(1)
148 101 39 20 10 25 343 
Total$1,801 $923 $408 $282 $112 $139 $3,665 
Current period gross write-offs$$46 $44 $61 $24 $10 $187 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
The following tables details our gross acquired timeshare financing receivables by the origination year and average FICO score as of December 31, 2025:
Acquired Timeshare Financing Receivables
($ in millions)20252024202320222021PriorTotal
FICO score
700+$— $$125 $60 $48 $109 $350 
600-699— 52 34 33 75 198 
<600— — 12 17 
No score(1)
— — 19 14 42 84 
Total$— $12 $197 $109 $93 $238 $649 
Current period gross write-offs
$— $— $41 $19 $23 $103 $186 
(1)Timeshare financing receivables without a FICO score are primarily related to foreign borrowers.
Schedule of Past Due Financing Receivables The following tables detail an aged analysis of our gross timeshare financing receivables balance:
Originated - Securitized
December 31, 2025
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$860 $478 $16 $313 $1,667 
31 - 90 days past due18 15 11 45 
91 - 120 days past due— 16 
121 days and greater past due— — 
Total$890 $499 $17 $328 $1,734 
Originated - Unsecuritized
December 31, 2025
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$655 $357 $68 $402 $1,482 
31 - 90 days past due14 14 11 41 
91 - 120 days past due— 16 
121 days and greater past due206 142 39 392 
Total$880 $519 $75 $457 $1,931 
Originated - Securitized
December 31, 2024
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$714 $279 $$135 $1,130 
31 - 90 days past due12 — 24 
91 - 120 days past due— 
121 days and greater past due— — 
Total$734 $292 $$140 $1,168 
Originated - Unsecuritized
December 31, 2024
($ in millions)
HGV
Diamond
Grand Islander
Bluegreen
Total
Current$683 $389 $44 $301 $1,417 
31 - 90 days past due15 15 38 
91 - 120 days past due16 
121 days and greater past due144 143 293 
Total$848 $553 $47 $316 $1,764 
The following tables detail an aged analysis of our gross timeshare receivables balance:
Acquired - Securitized
December 31, 2025
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$49 $66 $242 $357 
31 - 90 days past due— 
91 - 120 days past due— — 
121 days and greater past due— — 
Total$51 $66 $256 $373 
Acquired - Unsecuritized
December 31, 2025
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$36 $31 $58 $125 
31 - 90 days past due
91 - 120 days past due— 
121 days and greater past due69 22 52 143 
Total$108 $54 $114 $276 

Acquired - Securitized
December 31, 2024
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$104 $84 $418 $606 
31 - 90 days past due17 22 
91 - 120 days past due— 
121 days and greater past due
Total$111 $86 $444 $641 
Acquired - Unsecuritized
December 31, 2024
($ in millions)
Legacy-Diamond
Legacy-Grand Islander
Legacy-Bluegreen
Total
Current$36 $68 $112 $216 
31 - 90 days past due
91 - 120 days past due
121 days and greater past due157 20 37 214 
Total$196 $91 $156 $443 
v3.25.4
INVENTORY (Tables)
12 Months Ended
Dec. 31, 2025
Inventory Disclosure [Abstract]  
Schedule of Inventory
Inventory was comprised of the following:
December 31,
($ in millions)20252024
Completed unsold VOIs$2,026 $1,898 
Construction in process495 345 
Land, infrastructure and other
Total$2,522 $2,244 
Schedule of Costs of Sales True-ups Relating to VOI Products and Impacts on the Carrying Value of Inventory
The table below presents cost of sales true-ups relating to VOI products and the related impacts to the carrying value of inventory and cost of VOI sales:
Year Ended December 31,
($ in millions)202520242023
Cost of sales true-up(1)
$40 $23 $61 
(1)Costs of sales true-up decreased cost of VOI sales and increased inventory in all periods presented.
v3.25.4
PROPERTY AND EQUIPMENT (Tables)
12 Months Ended
Dec. 31, 2025
Property, Plant and Equipment [Abstract]  
Schedule of Property and Equipment and Related Depreciation Expenses
Property and equipment were comprised of the following:
December 31,
($ in millions)20252024
Land$296 $283 
Building and leasehold improvements569 491 
Furniture and equipment191 134 
Construction in progress116 147 
1,172 1,055 
Accumulated depreciation(313)(263)
Total$859 $792 
v3.25.4
CONSOLIDATED VARIABLE INTEREST ENTITIES (Tables)
12 Months Ended
Dec. 31, 2025
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Schedule of Consolidated Variable Interest Entities
Our consolidated balance sheets included the assets and liabilities of these entities, which primarily consisted of the following:
December 31,
($ in millions)20252024
Restricted cash$142 $193 
Timeshare financing receivables, net2,435 1,975 
Non-recourse debt, net2,690 2,285 
The following table shows the interest income and expense recognized as a result of our involvement with these VIEs during 2025. These amounts are included within Financing revenue and Financing expense in the consolidated statement of income.
($ in millions)
Interest income
$355 
Interest expense
100 
Debt issuance cost amortization
15 
Administrative expenses
v3.25.4
INTANGIBLE ASSETS (Tables)
12 Months Ended
Dec. 31, 2025
Goodwill and Intangible Assets Disclosure [Abstract]  
Schedule of Intangible Assets and Related Amortization Expense
Intangible assets and related amortization expense were as follows:
December 31, 2025
($ in millions)Gross Carrying Amount
Accumulated Amortization
Net Carrying Amount
Trade name$48 $(27)$21 
Management contracts1,869 (605)1,264 
Club member relationships174 (93)81 
Capitalized software349 (217)132 
Marketing agreements
154 (22)132 
Other contract-related intangible assets
50 (10)40 
Total$2,644 $(974)$1,670 
December 31, 2024
($ in millions)Gross Carrying Amount
Accumulated Amortization
Net Carrying Amount
Trade name$48 $(22)$26 
Management contracts1,819 (479)1,340 
Club member relationships174 (76)98 
Capitalized software302 (167)135 
Marketing agreements
154 (11)143 
Other contract-related intangible assets
50 (5)45 
Total$2,547 $(760)$1,787 
Schedule of Estimated Future Amortization Expense
As of December 31, 2025, our future amortization expense for our amortizing intangible assets is estimated to be as follows:
($ in millions)Future Amortization Expense
2026$215 
2027186 
2028154 
2029122 
2030
111 
Thereafter882 
Total$1,670 
v3.25.4
OTHER ASSETS (Tables)
12 Months Ended
Dec. 31, 2025
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]  
Schedule of Other Assets
Other assets were as follows:
December 31,
($ in millions)20252024
Deferred selling, marketing, general and administrative expenses86 25 
Prepaid expenses71 96 
Cloud computing arrangements27 17 
Interest receivable30 29 
Deferred income tax assets13 12 
Interest rate swaps
18 37 
Other165 174 
Total$410 $390 
v3.25.4
ACCOUNTS PAYABLE, ACCRUED EXPENSES AND OTHER (Tables)
12 Months Ended
Dec. 31, 2025
Payables and Accruals [Abstract]  
Schedule of Accounts Payable, Accrued Expenses and Other
Accounts payable, accrued expenses and other were as follows:
December 31,
($ in millions)20252024
Accrued employee compensation and benefits$179 $160 
Accounts payable58 180 
Bonus point incentive liability52 52 
Due to Hilton73 53 
Income taxes payable20 83 
Sales and other taxes payable143 158 
Interest payable
51 48 
Accrued legal settlements
Other accrued expenses(1)
434 384 
Total$1,018 $1,125 
(1)Other accrued expenses includes amounts due to HOAs and various accrued liabilities.
v3.25.4
DEBT AND NON-RECOURSE DEBT (Tables)
12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Schedule of Outstanding Borrowings
The following table details our outstanding debt balance and its associated interest rates:
December 31,
($ in millions)
 Interest Rate
20252024
Debt(1)
Senior secured credit facility
Term loan A due 2028
5.366 %$400 $400 
Term loan B due 2028
5.716 %851 858 
Term loan B due 2031
5.716 %887 893 
Revolver due 2030(2)
5.493 %130 233 
Senior notes due 2029
5.000 %850 850 
Senior notes due 2031
4.875 %500 500 
Senior notes due 2032
6.625 %900 900 
Other debt
85 38 
Total debt, gross4,603 4,672 
Less: unamortized deferred financing costs and discounts(3)
(58)(71)
Total debt, net$4,545 $4,601 
(1)As of December 31, 2025 and 2024, weighted-average interest rates on Total debt, gross were 5.691% and 6.140%.
(2)Unamortized deferred financing costs of $3 million as of both December 31, 2025 and 2024 related to our revolving facility are included in Other assets in our consolidated balance sheets.
(3)Amount includes unamortized deferred financing costs of $53 million and $64 million as of December 31, 2025 and 2024. This amount also includes unamortized original issuance discounts of $5 million and $7 million as of December 31, 2025 and 2024.
The following table details our outstanding non-recourse debt balance and associated interest rates:
 December 31,
($ in millions)
Weighted Average Interest Rate
20252024
Non-recourse debt(1)
Timeshare Facility due 2027(2)
5.125 %$615 $428 
Securitized Debt due 2033 - 2044(3)
4.982 %2,106 1,883 
Quorum Purchase Facility due 2034
5.026 %
NBA Receivables Facility due 2031
5.466 %26 33 
Total non-recourse debt, gross2,751 2,350 
Less: unamortized deferred financing costs and discounts(4)
(35)(32)
Total non-recourse debt, net$2,716 $2,318 
(1)As of December 31, 2025, and 2024, weighted-average interest rates were 5.019% and 5.235%.
(2)Unamortized deferred financing costs of $2 million as of December 31, 2024 relating to the Timeshare Facility included in Other Assets in our consolidated balance sheet.
(3)Interest rates as of December 31, 2025 range from 1.410% to 6.419%.
(4)Amount includes unamortized deferred financing costs of $30 million and $21 million as of December 31, 2025, and 2024 and unamortized discounts of $5 million and $11 million as of December 31, 2025, and 2024.
Schedule of Derivative Instruments Effect on Other Comprehensive Income (Loss)
The following table reflects the activity, net of tax, in Accumulated other comprehensive loss related to our derivative instruments during the year ended December 31, 2025:
Net unrealized gain on derivative instruments
Balance as of December 31, 2024$28 
Other comprehensive loss before reclassifications, net
(3)
Reclassifications to net income(11)
Balance as of December 31, 2025$14 
Schedule of Contractual Maturities of Debt
The contractual maturities of our debt and non-recourse debt as of December 31, 2025, were as follows:
($ in millions)DebtNon-recourse DebtTotal
Year
2026$25 $536 $561 
202723 1,041 1,064 
20281,257 328 1,585 
2029871 254 1,125 
2030148 204 352 
Thereafter2,279 388 2,667 
Total$4,603 $2,751 $7,354 
v3.25.4
FAIR VALUE MEASUREMENTS (Tables)
12 Months Ended
Dec. 31, 2025
Fair Value Disclosures [Abstract]  
Schedule of Carrying and Estimated Fair Value Amounts
The carrying amounts and estimated fair values of our financial assets and liabilities, which are required for disclosure, were as follows:
December 31, 2025
Fair Value
($ in millions)
Carrying
Amount
Level 1Level 3
Assets:
Timeshare financing receivables, net
$3,115 $— $3,419 
Liabilities:   
Debt, net
4,545 4,352 233 
Non-recourse debt, net
2,716 2,128 640 
December 31, 2024
Fair Value
($ in millions)
Carrying
Amount
Level 1Level 3
Assets:
Timeshare financing receivables, net
$3,006 $— $3,203 
Liabilities:
Debt, net
4,601 4,309 283 
Non-recourse debt, net
2,318 1,873 446 
v3.25.4
LEASES (Tables)
12 Months Ended
Dec. 31, 2025
Leases [Abstract]  
Schedule of Rent Expense Rent expense for all operating leases was as follows:
Year Ended December 31,
($ in millions)
2025
2024
2023
Minimum rentals$35 $30 $28 
Contingent rentals12 20 11 
Total$47 $50 $39 
Schedule of Supplemental Cash Flow Information Related to Operating Leases
Supplemental cash flow information related to operating leases was as follows:
Year Ended December 31,
($ in millions)202520242023
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash outflows from operating leases$30 $30 $27 
Right-of-use assets obtained in exchange for new lease liabilities:  
Operating leases24 26 
Schedule of Supplemental Balance Sheet Information Related to Operating Leases
Supplemental balance sheet information related to operating leases was as follows:
December 31,
20252024
Weighted-average remaining lease term of operating leases (in years)76
Weighted-average discount rate of operating leases6.13 %4.90 %
Schedule of Future Minimum Lease Payments Under Non-Cancelable Operating Leases
The future minimum rent payments under non-cancelable operating leases as of December 31, 2025, are as follows:
($ in millions)
Operating Leases
Year
2026$26 
202718 
202813 
202912 
2030
Thereafter34 
Total future minimum lease payments112 
Less: imputed interest(23)
Present value of lease liabilities$89 
v3.25.4
INCOME TAXES (Tables)
12 Months Ended
Dec. 31, 2025
Income Tax Disclosure [Abstract]  
Schedule of Components of Income Before Income Taxes The domestic and foreign components of our income before taxes and noncontrolling interests were as follows:
Year Ended December 31,
($ in millions)202520242023
U.S. income (loss) before tax
$90 $(61)$335 
Foreign income before tax85 197 114 
Total income before taxes$175 $136 $449 
Schedule of Components of Provision for Income Taxes
The components of our provision for income taxes were as follows:
Year Ended December 31,
($ in millions)202520242023
Current:
Federal$86 $23 $105 
State18 18 
Foreign28 78 36 
Total current132 105 159 
Deferred:
Federal(56)(18)(22)
State(3)(1)
Foreign(2)(8)— 
Total deferred(56)(29)(23)
Total provision for income taxes$76 $76 $136 
Schedule of Effective Income Tax Rate Reconciliation
Reconciliations of our tax provision at the U.S. statutory rate to the provision for income taxes were as follows:
Year Ended December 31,
2025
($ in millions)
$
%
Statutory U.S. federal income tax provision37 21 %
State and local income taxes, net of federal tax effect(1)
20 12 %
Foreign tax effects
(1)(1)%
Effects of cross-border taxes
Foreign derived intangible income
(2)(1)%
Foreign branch taxes, net of related credits
%
Tax credits
Research and development tax credit(2)
(8)(5)%
Foreign tax credits
(8)(5)%
Change in valuation allowances
%
Nontaxable or nondeductible items
Share-based payment awards, net of IRC §162(m) limitation
%
Non-controlling interest
(4)(2)%
Other
%
Changes in unrecognized tax benefits
%
Other adjustments
Interest on installment sales, net of federal tax effect
%
Bluegreen deferred adjustment
%
Expired domestic loss carryforwards
%
Other
%
Provision for income taxes
76 43 %
(1)Florida, Hawaii and New York comprise the majority of state taxes (greater than 50%) of the tax effect in this category.
(2)The research and development tax credit includes revised estimates upon finalization of prior year tax returns.
Year Ended December 31,
($ in millions)20242023
Statutory U.S. federal income tax provision$29 $94 
State and local income taxes, net of U.S. federal tax benefit17 
Taxes attributable to noncontrolling interest
(3)— 
Impact of foreign operations27 10 
Interest on installment sales, net of U.S. federal tax benefit
Uncertain tax positions
US permanent differences
12 
Share-based compensation, net of IRC §162(m) limitation
Other
Provision for income taxes$76 $136 
Schedule of Compositions of Net Deferred Tax Balances
The compositions of net deferred tax balances were as follows:
December 31,
($ in millions)20252024
Deferred tax assets$13 $12 
Deferred tax liabilities(864)(925)
Net deferred tax liability$(851)$(913)
Schedule of Tax Effects of Temporary Differences and Carryforwards of Our Net Deferred Tax Liability
The tax effects of the temporary differences and carryforwards that give rise to our net deferred tax liability were as follows:
December 31,
($ in millions)20252024
Deferred tax assets:
Compensation$38 $30 
Domestic tax loss and credit carryforwards99 130 
Foreign tax loss carryforwards46 44 
Other reserves375 261 
558 465 
Valuation allowance(150)(174)
Deferred tax assets408 291 
Deferred tax liabilities:
Property and equipment(263)(144)
Amortizable intangible assets(380)(419)
Deferred income(616)(641)
Deferred tax liabilities(1,259)(1,204)
Net deferred tax liability$(851)$(913)
Schedule of Unrecognized Tax Benefits Roll Forward
Reconciliations of the amounts of unrecognized tax benefits were as follows:
 December 31,
($ in millions)202520242023
Unrecognized tax benefits at beginning of year$24 $25 $23 
Current period tax position increases— 
Prior period tax position increases— — 
Decreases due to lapse in applicable statute of limitations— (4)(3)
Unrecognized tax benefits at end of year$24 $24 $25 
v3.25.4
SHARE-BASED COMPENSATION (Tables)
12 Months Ended
Dec. 31, 2025
Share-Based Payment Arrangement [Abstract]  
Schedule of Restricted Stock Unit Grants The following table provides information about our Service RSU grants for the last three fiscal years:
Year Ended December 31,
202520242023
Number of shares granted999,680 717,858 537,964 
Weighted average grant date fair value per share$40.93 $44.00 $48.60 
Fair value of shares vested (in millions)$28 $26 $23 
Schedule of Restricted Stock Units Activity
The following table summarizes the activity of our RSUs during the year ended December 31, 2025:
Number of
Shares
Weighted Average Grant Date Fair Value
Outstanding, beginning of period1,226,381 45.24 
Granted999,680 40.93 
Vested(629,800)45.17 
Forfeited(69,002)43.15 
Outstanding, end of period1,527,259 42.54 
Schedule of Stock Option Grants The following table provides information about our option grants for the last two fiscal years:
Year Ended December 31,
20242023
Number of options granted388,084 301,215 
Weighted average exercise price per share$44.45 $49.14 
Weighted average grant date fair value per share$22.63 $24.78 
Schedule of Stock Option Valuation Assumptions
The weighted-average grant date fair value of each of these options were determined using the Black-Scholes-Merton option-pricing model with the following assumptions: expected volatility is calculated using the historical volatility of our share price; risk-free rate is based on the Treasury Constant Maturity Rate closest to the expected life as of the grant date; and expected term is estimated using the vesting period and contractual term of the Options:
Year Ended December 31,
20242023
Expected volatility
47.7 %46.8 %
Dividend yield(1)
— %— %
Risk-free rate
4.1% - 4.3%
4.2 %
Expected term (in years)
6.06.0
(1)At the date of grant we had no plans to pay dividends during the expected term of these options.
Schedule of Stock Options Activity
The following table summarizes the activity of our options during the year ended December 31, 2025:
Number
of Shares
Weighted Average Exercise Price Per Share
Outstanding, beginning of period2,576,978 $38.24 
Granted— — 
Exercised(335,444)33.20 
Forfeited, canceled or expired(42,761)45.70 
Outstanding, end of period2,198,773 38.87 
Exercisable, end of period1,867,039 37.64 
Schedule Of Performance Stock Unit Grants
The following table provides information about our Performance RSU grants for the last three fiscal years:
Year Ended December 31,
202520242023
Number of shares granted449,308 432,286 119,887 
Weighted average grant date fair value per share$41.01 $44.40 $49.14 
Fair value of shares vested (in millions)$— $29 $
Schedule of Performance Stock Units Activity
The following table summarizes the activity of our Performance RSUs during the year ended December 31, 2025:
Number of
Shares
Weighted Average Grant Date Fair Value
Outstanding, beginning of period550,009 $45.41 
Granted449,308 41.01 
Vested
— — 
Forfeited, canceled or expired(20,178)44.27 
Outstanding, end of period979,139 43.41 
v3.25.4
EARNINGS PER SHARE (Tables)
12 Months Ended
Dec. 31, 2025
Earnings Per Share [Abstract]  
Schedule of Earnings Per Share, Basic and Diluted
The following table presents the calculation of our basic and diluted EPS and the corresponding weighted average shares outstanding referenced in these calculations for the years ended December 31, 2025, 2024, and 2023.
Year Ended December 31,
($ and shares outstanding in millions, except per share amounts)202520242023
Basic EPS:
Numerator:
Net income attributable to stockholders$81 $47 $313 
Denominator:  
Weighted average shares outstanding89.9 101.9 110.1 
Basic EPS(1)
$0.90 $0.46 $2.84 
Diluted EPS:
Numerator:
Net income attributable to stockholders$81 $47 $313 
Denominator:
Weighted average shares outstanding91.5 103.1 111.6 
Diluted EPS(1)
$0.89 $0.45 $2.80 
Basic weighted average shares outstanding89.9 101.9 110.1 
RSUs(2), PSUs(3), Options(4) and ESPP
1.6 1.2 1.5 
Diluted weighted average shares outstanding91.5 103.1 111.6 
(1)Earnings per share amounts are calculated using whole numbers.
(2) Excludes approximately 3,000 shares of RSUs that would have been anti-dilutive to EPS under the treasury stock method for the year ended December 31, 2025. These RSUs could potentially dilute EPS in the future. There were no anti-dilutive RSU for the years ended December 31, 2024 and 2023.
(3) There were no anti-dilutive PSUs for the years ended December 31, 2025, 2024, and 2023.
(4) Excludes approximately 1,134,000, 1,140,000 and 818,000 shares of Options that would have been anti-dilutive to EPS for the years ended December 31, 2025, 2024, and 2023, under the treasury stock method. These Options could potentially dilute EPS in the future.
Schedule of Stock Repurchase Activity Under the Share Repurchase Program
The following table summarizes stock repurchase activity under the current and previous share repurchase programs as of December 31, 2025:
(in millions)SharesCost
As of December 31, 2024
41 $1,549 
Repurchases15 600 
As of December 31, 2025
56 $2,149 
v3.25.4
RELATED PARTY TRANSACTIONS (Tables)
12 Months Ended
Dec. 31, 2025
Related Party Transactions [Abstract]  
Schedule of Amounts Included in Condensed Consolidated Statements of Operations Related to Fee for Service Arrangement These amounts are summarized in the following table and are included in Fee-for-service commissions, package sales and other fees on our consolidated statements of income as of the date they became related parties.
Year Ended December 31,
($ in millions)202520242023
Equity in earnings from unconsolidated affiliates$19 $18 $12 
Commissions and other fees164 165 204 
v3.25.4
BUSINESS SEGMENTS (Tables)
12 Months Ended
Dec. 31, 2025
Segment Reporting [Abstract]  
Schedule of Segment Operating Performance Reconciled to Consolidated Amounts
The table below presents revenues for our reportable segment results which include the acquired Grand Islander and Bluegreen operations, within both segments as of their respective acquisition dates, reconciled to consolidated amounts:
Year Ended December 31,
($ in millions)202520242023
Revenues:
Real estate sales and financing$2,989 $3,010 $2,357 
Resort operations and club management(1)
1,625 1,528 1,291 
Total segment revenues4,614 4,538 3,648 
Cost reimbursements534 516 386 
Intersegment eliminations(1)
(101)(73)(56)
Total revenues$5,047 $4,981 $3,978 
(1)Includes charges to the Real estate sales and financing segment from the Resort operations and club management segment for fulfillment of discounted marketing package stays at resorts. We account for intersegment revenues as if they were sales to third parties at current market prices.
Schedule of Segment Reporting Information, by Segment
The following tables present Adjusted EBITDA for our reportable segments:
For the year ended December 31, 2025
Real Estate and Financing
Resort Operations and Club Management
Total
Revenues from external customers
$2,989 $1,524 $4,513 
Intersegment revenues
— 101 101 
Total segment revenues2,989 1,625 4,614 
(a)
Less:
Cost of VOI Sales152 — 152 
Selling expense812 — 812 
Marketing expense1,029 — 1,029 
Financing expense215 — 215 
Club expense— 87 87 
Property management expense— 140 140 
Rental expense— 738 738 
Other expenses30 47 77 
Total segment expenses2,238 
(b)
1,012 
(c)
3,250 
Other:
Share-based compensation expense17 25 
Other segment adjustment items40 (1)39 
(d)
Intersegment elimination(101)— (101)
(a)
Segment Adjusted EBITDA$707 $620 $1,327 
For the year ended December 31, 2024
Real Estate and Financing
Resort Operations and Club Management
Total
Revenues from external customers
$3,010 $1,455 $4,465 
Intersegment revenues
— 73 73 
Total segment revenues3,010 1,528 4,538 (a)
Less:
Cost of VOI Sales239 — 239 
Selling expense727 — 727 
Marketing expense914 — 914 
Financing expense188 — 188 
Club expense— 83 83 
Property management expense— 128 128 
Rental expense— 681 681 
Other expenses127 43 170 
Total segment expenses2,195 
(b)
935 
(c)
3,130 
Other:
Share-based compensation expense12 18 
Other segment adjustment items48 53 (d)
Intersegment elimination(73)— (73)(a)
Segment Adjusted EBITDA$802 $604 $1,406 
For the year ended December 31, 2023
Real Estate and Financing
Resort Operations and Club Management
Total
Revenues from external customers
$2,357 $1,235 $3,592 
Intersegment revenues
— 56 56 
Total segment revenues2,357 1,291 3,648 (a)
Less:
Cost of VOI Sales194 — 194 
Selling expense501 — 501 
Marketing expense682 — 682 
Financing expense99 — 99 
Club expense— 60 60 
Property management expense— 117 117 
Rental expense— 573 573 
Other expenses98 39 137 
Total segment expenses1,574 
(b)
789 
(c)
2,363 
Other:
Share-based compensation expense12 15 
Other segment adjustment items15 (1)14 (d)
Intersegment elimination(56)— (56)(a)
Segment Adjusted EBITDA$754 $504 $1,258 
(a) Includes charges to the Real estate sales and financing segment from the Resort operations and club management segment for fulfillment of discounted marketing package stays at resorts. We account for intersegment revenues as if they were sales to third parties at current market prices.
(b) Consists of Costs of VOI sales, Sales and Marketing, and Financing expense on the statements of income.
(c) Consists of Resort and club management and Rental and ancillary services expense on the statements of income.
(d) Consists of costs associated with restructuring, one-time charges, other non-cash items, and for the Real Estate and Financing Segment, amortization of fair value premiums and discounts resulting from purchase accounting.
Schedule of Adjusted EBITDA for our Reportable Segments Reconciled to Net Income and Net Income Attributable to Stockholders
The following table presents Adjusted EBITDA for our reportable segments reconciled to net income and net income attributable to stockholders:
Year Ended December 31,
($ in millions)202520242023
Adjusted EBITDA:
Real estate sales and financing(1)
$707 $802 $754 
Resort operations and club management(1)
620 604 504 
Segment Adjusted EBITDA1,327 1,406 1,258 
Acquisition and integration-related expense(98)(237)(68)
General and administrative(215)(199)(194)
Depreciation and amortization(273)(268)(213)
License fee expense(214)(171)(138)
Other gain (loss), net
(11)
Interest expense(311)(329)(178)
Income tax expense(76)(76)(136)
Equity in earnings from unconsolidated affiliates19 18 12 
Impairment expense(3)(2)(3)
Other adjustment items(2)
(64)(71)(29)
Net income99 60 313 
Net income attributable to noncontrolling interest
18 13 — 
Net income attributable to stockholders
$81 $47 $313 
(1)Includes intersegment transactions. Refer to our table presenting revenues by reportable segment above for additional discussion.
(2)These amounts include costs associated with share-based compensation, restructuring, one-time charges and other non-cash items included within our reportable segments.
Schedule of Assets Reconciled to Consolidated Amounts
The following table presents total assets for our reportable segments, reconciled to consolidated amounts:
December 31,
($ in millions)20252024
Real estate sales and financing$7,807 $7,349 
Resort operations and club management3,140 3,163 
Total segment assets10,947 10,512 
Corporate590 930 
Total assets$11,537 $11,442 
Schedule of Capital Expenditures for Property and Equipment Reconciled to Consolidated Amounts
The following table presents capital expenditures for property and equipment (including inventory and leases) for our reportable segments, reconciled to consolidated amounts:
Year Ended December 31,
($ in millions)202520242023
Real estate sales and financing$137 $152 $61 
Resort operations and club management
Total segment capital expenditures139 154 63 
Corporate57 45 34 
Total capital expenditures$196 $199 $97 
v3.25.4
COMMITMENTS AND CONTINGENCIES (Tables)
12 Months Ended
Dec. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
Schedule of Remaining Purchase Obligations As of December 31, 2025, our remaining obligations pursuant to these arrangements were expected to be incurred as follows:
($ in millions)20262027202820292030ThereafterTotal
Marketing and license fee agreements$37 $38 $38 $38 $39 $95 $285 
Inventory purchase obligations(1)(2)(3)
22 53 44 65 34 226 
Other commitments(4)
14 14 43 
Total$73 $50 $95 $86 $107 $143 $554 
(1)Commitments for properties in Missouri, New York and Tennessee.
(2)For the property in New York, the payments are subject to the seller obtaining the inventory and providing clear title.
(3)For the property in Tennessee, we have the option to extend the full purchase of inventory up to 2033 pursuant to the terms of the purchase agreement.
(4)Primarily relates to commitments for information technology and sponsorships.
v3.25.4
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION (Tables)
12 Months Ended
Dec. 31, 2025
Supplemental Cash Flow Information [Abstract]  
Schedule of Cash Taxes Paid The following table summarizes domestic and foreign components of cash taxes paid by material jurisdiction for the year ended December 31, 2025.
Year Ended December 31, 2025
($ in millions)
US Federal
$48 
US States1
18 
Foreign
Japan
48 
Mexico
20 
Other
20 
Total taxes paid
154 
(1)State and local taxes in Florida, Hawaii and New York City comprise the majority (greater than 50 percent) of the net cash taxes paid.
v3.25.4
ORGANIZATION AND BASIS OF PRESENTATION (Details)
Dec. 31, 2025
property
Restructuring Cost and Reserve [Line Items]  
Number of timeshare properties 200
Big Cedar  
Restructuring Cost and Reserve [Line Items]  
Ownership percentage 51.00%
v3.25.4
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
portfolio_segment
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Club activation fee amortization period 7 years    
Commission expense for certain vacation package sales $ 5 $ 11 $ 7
Number of timeshare financing portfolio segments | portfolio_segment 2    
Number of days, ceased accruing interest 91 days    
Number of days, timeshare financing receivable 121 days    
Capitalized interest expense $ 10 10 3
Impairment charges 0 0 0
Accumulated impairment 0 0  
Deferred selling expenses 85 24  
Adjustments, goodwill 0    
Compensation expense recognized $ 37 $ 34 $ 23
Computer Equipment and Acquired Software      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Property and equipment, estimated useful life 3 years    
Minimum      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Bonus points validation period 18 months    
Minimum | Buildings and Improvements      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Property and equipment, estimated useful life 8 years    
Minimum | Furniture and equipment      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Property and equipment, estimated useful life 3 years    
Minimum | Cloud Computing Arrangements      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Estimated useful life 3 years    
Maximum      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Bonus points validation period 30 months    
Maximum | Buildings and Improvements      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Property and equipment, estimated useful life 40 years    
Maximum | Furniture and equipment      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Property and equipment, estimated useful life 15 years    
Maximum | Cloud Computing Arrangements      
Basis Of Presentation And Summary Of Significant Accounting Policies [Line Items]      
Estimated useful life 5 years    
v3.25.4
BLUEGREEN ACQUISITION - Additional Information (Details)
$ in Billions
Jan. 17, 2024
USD ($)
Bluegreen Vacations Holdings Corporation  
Business Combination [Line Items]  
Total consideration transferred $ 1.6
v3.25.4
BLUEGREEN ACQUISITION - Schedule of Acquisition Pro Forma Information (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Business Combination [Line Items]      
Revenue $ 5,047 $ 4,981 $ 3,978
Net income $ 99 60 313
Bluegreen Vacations Holdings Corporation      
Business Combination [Line Items]      
Revenue   5,028 5,013
Net income   $ 66 $ 224
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS - Additional Information (Details)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
segment
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Disaggregation Of Revenue [Line Items]      
Number of operating segments | segment 2    
Number of reportable segments | segment 2    
Revenue earned that was included in the contract liabilities balance $ 242 $ 194  
Deferred revenues 385 $ 17 $ 33
Remaining performance obligations for HOA management fees 306    
Sales of VOIs      
Disaggregation Of Revenue [Line Items]      
Deferred revenues $ 368    
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS - Schedule of Disaggregated Revenues by Segment from Contracts with Customers (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disaggregation Of Revenue [Line Items]      
Total revenues $ 5,047 $ 4,981 $ 3,978
Real estate and financing      
Disaggregation Of Revenue [Line Items]      
Total revenues 2,989 3,010 2,357
Resort Operations and Club Management      
Disaggregation Of Revenue [Line Items]      
Total revenues 1,524 1,455 1,235
Sales of VOIs, net      
Disaggregation Of Revenue [Line Items]      
Total revenues 1,812 1,909 1,416
Sales of VOIs, net | Real estate and financing      
Disaggregation Of Revenue [Line Items]      
Total revenues 1,812 1,909 1,416
Fee-for-service commissions, package sales and other fees      
Disaggregation Of Revenue [Line Items]      
Total revenues 664 637 634
Fee-for-service commissions, package sales and other fees | Real estate and financing      
Disaggregation Of Revenue [Line Items]      
Total revenues 664 637 634
Interest income | Real estate and financing      
Disaggregation Of Revenue [Line Items]      
Total revenues 473 425 273
Other financing revenue | Real estate and financing      
Disaggregation Of Revenue [Line Items]      
Total revenues 40 39 34
Club management | Resort Operations and Club Management      
Disaggregation Of Revenue [Line Items]      
Total revenues 321 303 240
Resort management | Resort Operations and Club Management      
Disaggregation Of Revenue [Line Items]      
Total revenues 457 419 329
Rental | Resort Operations and Club Management      
Disaggregation Of Revenue [Line Items]      
Total revenues 692 682 623
Ancillary services | Resort Operations and Club Management      
Disaggregation Of Revenue [Line Items]      
Total revenues $ 54 $ 51 $ 43
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS - Schedule of Accounts Receivable from Contracts with Customers (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Disaggregation Of Revenue [Line Items]    
Receivables $ 3,315 $ 3,225
Timeshare financing receivables, net 3,115 3,006
Acquired    
Disaggregation Of Revenue [Line Items]    
Timeshare financing receivables, net 528 878
Accounts receivable, net    
Disaggregation Of Revenue [Line Items]    
Receivables 200 219
Timeshare financing receivables, net    
Disaggregation Of Revenue [Line Items]    
Receivables $ 3,115 $ 3,006
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS - Schedule of Composition of Contract Liabilities (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Disaggregation Of Revenue [Line Items]    
Bonus point incentive liability $ 52 $ 52
Advanced deposits    
Disaggregation Of Revenue [Line Items]    
Contract liabilities 228 226
Deferred sales of VOIs of projects under construction    
Disaggregation Of Revenue [Line Items]    
Contract liabilities 460 92
Club activation fees and annual dues    
Disaggregation Of Revenue [Line Items]    
Contract liabilities 74 70
Bonus Point incentive liability    
Disaggregation Of Revenue [Line Items]    
Contract liabilities 113 104
Other    
Disaggregation Of Revenue [Line Items]    
Contract liabilities $ 42 $ 38
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS - Schedule of Deferred Revenue, Cost of VOI Sales and Direct Selling Costs from Sales of VOIs Related to Project Under Construction (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Disaggregation Of Revenue [Line Items]    
Sales of VOIs, net $ 637 $ 252
Sales of VOIs    
Disaggregation Of Revenue [Line Items]    
Sales of VOIs, net 460 92
Cost of VOI sales 133 28
Sales and marketing expense $ 74 $ 13
v3.25.4
REVENUE FROM CONTRACTS WITH CUSTOMERS - Schedule of Remaining Transaction Price (Details)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
Advanced deposits  
Disaggregation Of Revenue [Line Items]  
Remaining Transaction Price $ 228
Recognition Period 18 months
Club activation fees  
Disaggregation Of Revenue [Line Items]  
Remaining Transaction Price $ 73
Recognition Period 7 years
Bonus Points incentive liability  
Disaggregation Of Revenue [Line Items]  
Remaining Transaction Price $ 113
Bonus Points incentive liability | Minimum  
Disaggregation Of Revenue [Line Items]  
Recognition Period 18 months
Bonus Points incentive liability | Maximum  
Disaggregation Of Revenue [Line Items]  
Recognition Period 30 months
Annual club dues  
Disaggregation Of Revenue [Line Items]  
Remaining Transaction Price $ 1
Recognition Period 1 year
Other  
Disaggregation Of Revenue [Line Items]  
Remaining Transaction Price $ 42
Recognition Period 1 year
v3.25.4
RESTRICTED CASH (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Restricted Cash And Cash Equivalents Items [Line Items]    
Restricted cash $ 332 $ 438
Escrow deposits on VOI sales    
Restricted Cash And Cash Equivalents Items [Line Items]    
Restricted cash 160 204
Reserves related to non-recourse debt    
Restricted Cash And Cash Equivalents Items [Line Items]    
Restricted cash 142 193
Other    
Restricted Cash And Cash Equivalents Items [Line Items]    
Restricted cash $ 30 $ 41
v3.25.4
ACCOUNTS RECEIVABLE - Schedule of Accounts Receivable, Net of Allowance for Credit Losses (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Accounts Notes And Loans Receivable [Line Items]    
Total $ 270 $ 315
Fee-for-service commissions    
Accounts Notes And Loans Receivable [Line Items]    
Total 18 48
Real estate and financing    
Accounts Notes And Loans Receivable [Line Items]    
Total 40 34
Resort and club operations    
Accounts Notes And Loans Receivable [Line Items]    
Total 142 137
Tax receivables    
Accounts Notes And Loans Receivable [Line Items]    
Total 66 89
Other receivables    
Accounts Notes And Loans Receivable [Line Items]    
Total $ 4 $ 7
v3.25.4
ACCOUNTS RECEIVABLE - Schedule of Changes in Allowance (Details)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
Accounts Receivable, Allowance for Credit Loss [Roll Forward]  
Balance as of December 31, 2024 $ 74
Current period provision for expected credit losses 66
Write-offs charged against the allowance (47)
Balance at December 31, 2025 93
Fee-for-service commissions  
Accounts Receivable, Allowance for Credit Loss [Roll Forward]  
Balance as of December 31, 2024 24
Current period provision for expected credit losses 11
Write-offs charged against the allowance (5)
Balance at December 31, 2025 30
Real estate and financing  
Accounts Receivable, Allowance for Credit Loss [Roll Forward]  
Balance as of December 31, 2024 49
Current period provision for expected credit losses 41
Write-offs charged against the allowance (28)
Balance at December 31, 2025 62
Resort and club operations  
Accounts Receivable, Allowance for Credit Loss [Roll Forward]  
Balance as of December 31, 2024 1
Current period provision for expected credit losses 14
Write-offs charged against the allowance (14)
Balance at December 31, 2025 $ 1
v3.25.4
TIMESHARE FINANCING RECEIVABLES - Schedule of Timeshare Financing Receivables (Details)
$ in Millions, ¥ in Billions
Dec. 31, 2025
USD ($)
Aug. 31, 2025
USD ($)
Jul. 31, 2025
USD ($)
Jul. 31, 2025
JPY (¥)
Jun. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Dec. 31, 2022
USD ($)
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, net $ 3,115         $ 3,006    
Originated                
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, gross 3,665         2,932    
Unamortized non-credit acquisition premium 0         0    
Less: allowance for financing receivables losses (1,078)         (804) $ (500) $ (404)
Timeshare financing receivables, net 2,587         2,128    
Acquired                
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, gross 649         1,084    
Unamortized non-credit acquisition premium 34         62    
Less: allowance for financing receivables losses (155)         (268) $ (279) $ (338)
Timeshare financing receivables, net 528         878    
Securitized                
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, gross 400 $ 400 $ 65 ¥ 9.5 $ 300      
Securitized | Originated                
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, gross 1,734         1,168    
Securitized | Acquired                
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, gross 373         641    
Unsecuritized | Originated                
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, gross 1,931         1,764    
Unsecuritized | Acquired                
Accounts Notes And Loans Receivable [Line Items]                
Timeshare financing receivables, gross $ 276         $ 443    
v3.25.4
TIMESHARE FINANCING RECEIVABLES - Additional Information (Details)
$ in Millions, ¥ in Billions
12 Months Ended
Dec. 31, 2025
USD ($)
Aug. 31, 2025
USD ($)
Jul. 31, 2025
USD ($)
Jul. 31, 2025
JPY (¥)
Jun. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Originated            
Accounts Notes And Loans Receivable [Line Items]            
Timeshare financing receivables, gross $ 3,665         $ 2,932
Interest receivable outstanding $ 26         22
Financing receivable, weighted average interest rate 14.60%          
Financing receivable, weighted average remaining term 8 years 10 months 24 days          
Timeshare financing receivable not accruing interest $ 430         323
Originated | Minimum            
Accounts Notes And Loans Receivable [Line Items]            
Financing receivable, stated interest rate 1.50%          
Originated | Maximum            
Accounts Notes And Loans Receivable [Line Items]            
Financing receivable, stated interest rate 25.80%          
Acquired            
Accounts Notes And Loans Receivable [Line Items]            
Timeshare financing receivables, gross $ 649         1,084
Interest receivable outstanding $ 4         7
Financing receivable, weighted average interest rate 15.00%          
Financing receivable, weighted average remaining term 6 years 1 month 6 days          
Timeshare financing receivable not accruing interest $ 152         231
Acquired | Minimum            
Accounts Notes And Loans Receivable [Line Items]            
Financing receivable, stated interest rate 2.00%          
Acquired | Maximum            
Accounts Notes And Loans Receivable [Line Items]            
Financing receivable, stated interest rate 25.00%          
Non-recourse Debt | Asset Pledged as Collateral            
Accounts Notes And Loans Receivable [Line Items]            
Timeshare financing receivables, gross $ 710         455
4.88% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount         $ 166  
Interest Rate         4.88%  
5.18% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount         $ 87  
Interest Rate         5.18%  
5.52% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount         $ 47  
Interest Rate         5.52%  
1.41% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Interest Rate     1.41% 1.41%    
4.54% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount   $ 210        
Interest Rate   4.54%        
4.73% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount   $ 125        
Interest Rate   4.73%        
5.12% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount   $ 65        
Interest Rate   5.12%        
4.56% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount $ 141          
Interest Rate 4.56%          
4.90% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount $ 147          
Interest Rate 4.90%          
5.39% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount $ 81          
Interest Rate 5.39%          
7.38% Timeshare Facility            
Accounts Notes And Loans Receivable [Line Items]            
Debt instrument, face amount $ 31          
Interest Rate 7.38%          
Securitized            
Accounts Notes And Loans Receivable [Line Items]            
Timeshare financing receivables, gross $ 400 $ 400 $ 65 ¥ 9.5 $ 300  
Securitized | Originated            
Accounts Notes And Loans Receivable [Line Items]            
Timeshare financing receivables, gross 1,734         1,168
Securitized | Acquired            
Accounts Notes And Loans Receivable [Line Items]            
Timeshare financing receivables, gross $ 373         $ 641
v3.25.4
TIMESHARE FINANCING RECEIVABLES - Schedule of Change in Allowance For Financing Receivables Losses (Details) - USD ($)
$ in Millions
3 Months Ended 12 Months Ended
Jan. 17, 2024
Dec. 01, 2023
Mar. 31, 2024
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Financing Receivable, Allowance for Credit Losses [Roll Forward]            
Provision for loan losses       $ 442 $ 377 $ 171
Bluegreen Vacations Holdings Corporation            
Financing Receivable, Allowance for Credit Losses [Roll Forward]            
Initial allowance for purchased credit deteriorated financing receivables acquired during the period $ 163          
Grand Islander            
Financing Receivable, Allowance for Credit Losses [Roll Forward]            
Initial allowance for purchased credit deteriorated financing receivables acquired during the period   $ 30        
Legacy-Grand Islander            
Financing Receivable, Allowance for Credit Losses [Roll Forward]            
Decrease in allowance for receivables     $ 6      
Originated            
Financing Receivable, Allowance for Credit Losses [Roll Forward]            
Allowance for financing receivable losses, beginning balance     500 804 500 404
Provision for loan losses       430 363 171
Initial allowance for purchased credit deteriorated financing receivables acquired during the period         0 0
Write-offs       (187) (106) (73)
Inventory recoveries       0 0 0
Upgrades       31 47 (2)
Allowance for financing receivable losses, ending balance       1,078 804 500
Acquired            
Financing Receivable, Allowance for Credit Losses [Roll Forward]            
Allowance for financing receivable losses, beginning balance     $ 279 268 279 338
Provision for loan losses       20 14 (1)
Initial allowance for purchased credit deteriorated financing receivables acquired during the period         157 30
Write-offs       (186) (258) (116)
Inventory recoveries       84 123 26
Upgrades       (31) (47) 2
Allowance for financing receivable losses, ending balance       $ 155 $ 268 $ 279
v3.25.4
TIMESHARE FINANCING RECEIVABLES - Schedule of Maturities of Financing Receivables (Details)
$ in Millions
Dec. 31, 2025
USD ($)
Originated  
Accounts Notes And Loans Receivable [Line Items]  
2026 $ 272
2027 289
2028 313
2029 341
2030 372
Thereafter 2,078
Total 3,665
Acquired  
Accounts Notes And Loans Receivable [Line Items]  
2026 98
2027 100
2028 97
2029 91
2030 83
Thereafter 180
Total 649
Securitized | Originated  
Accounts Notes And Loans Receivable [Line Items]  
2026 147
2027 159
2028 169
2029 178
2030 190
Thereafter 891
Total 1,734
Securitized | Acquired  
Accounts Notes And Loans Receivable [Line Items]  
2026 61
2027 62
2028 58
2029 52
2030 47
Thereafter 93
Total 373
Unsecuritized | Originated  
Accounts Notes And Loans Receivable [Line Items]  
2026 125
2027 130
2028 144
2029 163
2030 182
Thereafter 1,187
Total 1,931
Unsecuritized | Acquired  
Accounts Notes And Loans Receivable [Line Items]  
2026 37
2027 38
2028 39
2029 39
2030 36
Thereafter 87
Total $ 276
v3.25.4
TIMESHARE FINANCING RECEIVABLES - Schedule of Gross Timeshare Financing Receivables Balances by Average FICO Score (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross $ 3,665 $ 2,932
Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 649 1,084
HGV | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 1,770 1,582
Diamond | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 1,018 845
Grand Islander | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 92 49
Bluegreen | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 785 456
Legacy-Diamond | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 159 307
Legacy-Grand Islander | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 120 177
Legacy-Bluegreen | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 370 600
700+ | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 2,306 1,840
700+ | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 350 588
700+ | HGV | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 1,068 956
700+ | Diamond | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 603 505
700+ | Grand Islander | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 43 23
700+ | Bluegreen | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 592 356
700+ | Legacy-Diamond | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 85 159
700+ | Legacy-Grand Islander | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 30 44
700+ | Legacy-Bluegreen | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 235 385
600-699 | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 900 723
600-699 | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 198 330
600-699 | HGV | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 373 336
600-699 | Diamond | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 340 287
600-699 | Grand Islander | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 11 5
600-699 | Bluegreen | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 176 95
600-699 | Legacy-Diamond | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 61 114
600-699 | Legacy-Grand Islander | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 9 13
600-699 | Legacy-Bluegreen | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 128 203
Fico Score Less Than 600 | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 116 85
Fico Score Less Than 600 | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 17 33
Fico Score Less Than 600 | HGV | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 50 41
Fico Score Less Than 600 | Diamond | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 53 42
Fico Score Less Than 600 | Grand Islander | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 1 0
Fico Score Less Than 600 | Bluegreen | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 12 2
Fico Score Less Than 600 | Legacy-Diamond | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 12 25
Fico Score Less Than 600 | Legacy-Grand Islander | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 0 0
Fico Score Less Than 600 | Legacy-Bluegreen | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 5 8
No score | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 343 284
No score | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 84 133
No score | HGV | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 279 249
No score | Diamond | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 22 11
No score | Grand Islander | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 37 21
No score | Bluegreen | Originated    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 5 3
No score | Legacy-Diamond | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 1 9
No score | Legacy-Grand Islander | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross 81 120
No score | Legacy-Bluegreen | Acquired    
Financing Receivable, Recorded Investment [Line Items]    
Timeshare financing receivables, gross $ 2 $ 4
v3.25.4
TIMESHARE FINANCING RECEIVABLES - Schedule of Gross Timeshare Financing Receivables by Origination Year and Average FICO Score (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Originated      
Financing Receivable, Recorded Investment [Line Items]      
2025 $ 1,801    
2024 923    
2023 408    
2022 282    
2021 112    
Prior 139    
FICO score 3,665 $ 2,932  
2025 2    
2024 46    
2023 44    
2022 61    
2021 24    
Prior 10    
Current period gross write-offs 187 106 $ 73
Originated | 700+      
Financing Receivable, Recorded Investment [Line Items]      
2025 1,186    
2024 567    
2023 239    
2022 169    
2021 68    
Prior 77    
FICO score 2,306 1,840  
Originated | 600-699      
Financing Receivable, Recorded Investment [Line Items]      
2025 410    
2024 231    
2023 115    
2022 82    
2021 30    
Prior 32    
FICO score 900 723  
Originated | Fico Score Less Than 600      
Financing Receivable, Recorded Investment [Line Items]      
2025 57    
2024 24    
2023 15    
2022 11    
2021 4    
Prior 5    
FICO score 116 85  
Originated | No score      
Financing Receivable, Recorded Investment [Line Items]      
2025 148    
2024 101    
2023 39    
2022 20    
2021 10    
Prior 25    
FICO score 343 284  
Acquired      
Financing Receivable, Recorded Investment [Line Items]      
2025 0    
2024 12    
2023 197    
2022 109    
2021 93    
Prior 238    
FICO score 649 1,084  
2025 0    
2024 0    
2023 41    
2022 19    
2021 23    
Prior 103    
Current period gross write-offs 186 258 $ 116
Acquired | 700+      
Financing Receivable, Recorded Investment [Line Items]      
2025 0    
2024 8    
2023 125    
2022 60    
2021 48    
Prior 109    
FICO score 350 588  
Acquired | 600-699      
Financing Receivable, Recorded Investment [Line Items]      
2025 0    
2024 4    
2023 52    
2022 34    
2021 33    
Prior 75    
FICO score 198 330  
Acquired | Fico Score Less Than 600      
Financing Receivable, Recorded Investment [Line Items]      
2025 0    
2024 0    
2023 1    
2022 1    
2021 3    
Prior 12    
FICO score 17 33  
Acquired | No score      
Financing Receivable, Recorded Investment [Line Items]      
2025 0    
2024 0    
2023 19    
2022 14    
2021 9    
Prior 42    
FICO score $ 84 $ 133  
v3.25.4
TIMESHARE FINANCING RECEIVABLES - Schedule of Past Due Financing Receivables (Details)
$ in Millions, ¥ in Billions
Dec. 31, 2025
USD ($)
Aug. 31, 2025
USD ($)
Jul. 31, 2025
USD ($)
Jul. 31, 2025
JPY (¥)
Jun. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Securitized            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross $ 400 $ 400 $ 65 ¥ 9.5 $ 300  
Originated            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 3,665         $ 2,932
Originated | HGV            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1,770         1,582
Originated | Diamond            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1,018         845
Originated | Grand Islander            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 92         49
Originated | Bluegreen            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 785         456
Originated | Securitized            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1,734         1,168
Originated | Securitized | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1,667         1,130
Originated | Securitized | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 45         24
Originated | Securitized | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 16         8
Originated | Securitized | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 6         6
Originated | Securitized | HGV            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 890         734
Originated | Securitized | HGV | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 860         714
Originated | Securitized | HGV | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 18         12
Originated | Securitized | HGV | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 7         4
Originated | Securitized | HGV | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 5         4
Originated | Securitized | Diamond            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 499         292
Originated | Securitized | Diamond | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 478         279
Originated | Securitized | Diamond | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 15         8
Originated | Securitized | Diamond | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 5         3
Originated | Securitized | Diamond | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         2
Originated | Securitized | Grand Islander            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 17         2
Originated | Securitized | Grand Islander | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 16         2
Originated | Securitized | Grand Islander | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         0
Originated | Securitized | Grand Islander | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         0
Originated | Securitized | Grand Islander | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         0
Originated | Securitized | Bluegreen            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 328         140
Originated | Securitized | Bluegreen | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 313         135
Originated | Securitized | Bluegreen | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 11         4
Originated | Securitized | Bluegreen | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 4         1
Originated | Securitized | Bluegreen | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         0
Originated | Unsecuritized            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1,931         1,764
Originated | Unsecuritized | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1,482         1,417
Originated | Unsecuritized | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 41         38
Originated | Unsecuritized | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 16         16
Originated | Unsecuritized | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 392         293
Originated | Unsecuritized | HGV            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 880         848
Originated | Unsecuritized | HGV | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 655         683
Originated | Unsecuritized | HGV | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 14         15
Originated | Unsecuritized | HGV | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 5         6
Originated | Unsecuritized | HGV | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 206         144
Originated | Unsecuritized | Diamond            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 519         553
Originated | Unsecuritized | Diamond | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 357         389
Originated | Unsecuritized | Diamond | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 14         15
Originated | Unsecuritized | Diamond | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 6         6
Originated | Unsecuritized | Diamond | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 142         143
Originated | Unsecuritized | Grand Islander            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 75         47
Originated | Unsecuritized | Grand Islander | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 68         44
Originated | Unsecuritized | Grand Islander | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 2         1
Originated | Unsecuritized | Grand Islander | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         1
Originated | Unsecuritized | Grand Islander | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 5         1
Originated | Unsecuritized | Bluegreen            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 457         316
Originated | Unsecuritized | Bluegreen | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 402         301
Originated | Unsecuritized | Bluegreen | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 11         7
Originated | Unsecuritized | Bluegreen | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 5         3
Originated | Unsecuritized | Bluegreen | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 39         5
Acquired            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 649         1,084
Acquired | Legacy-Diamond            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 159         307
Acquired | Legacy-Grand Islander            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 120         177
Acquired | Legacy-Bluegreen            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 370         600
Acquired | Securitized            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 373         641
Acquired | Securitized | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 357         606
Acquired | Securitized | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 9         22
Acquired | Securitized | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 6         9
Acquired | Securitized | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         4
Acquired | Securitized | Legacy-Diamond            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 51         111
Acquired | Securitized | Legacy-Diamond | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 49         104
Acquired | Securitized | Legacy-Diamond | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         4
Acquired | Securitized | Legacy-Diamond | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         1
Acquired | Securitized | Legacy-Diamond | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         2
Acquired | Securitized | Legacy-Grand Islander            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 66         86
Acquired | Securitized | Legacy-Grand Islander | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 66         84
Acquired | Securitized | Legacy-Grand Islander | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         1
Acquired | Securitized | Legacy-Grand Islander | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         0
Acquired | Securitized | Legacy-Grand Islander | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         1
Acquired | Securitized | Legacy-Bluegreen            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 256         444
Acquired | Securitized | Legacy-Bluegreen | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 242         418
Acquired | Securitized | Legacy-Bluegreen | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 8         17
Acquired | Securitized | Legacy-Bluegreen | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 6         8
Acquired | Securitized | Legacy-Bluegreen | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         1
Acquired | Unsecuritized            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 276         443
Acquired | Unsecuritized | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 125         216
Acquired | Unsecuritized | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 6         9
Acquired | Unsecuritized | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 2         4
Acquired | Unsecuritized | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 143         214
Acquired | Unsecuritized | Legacy-Diamond            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 108         196
Acquired | Unsecuritized | Legacy-Diamond | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 36         36
Acquired | Unsecuritized | Legacy-Diamond | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 2         2
Acquired | Unsecuritized | Legacy-Diamond | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         1
Acquired | Unsecuritized | Legacy-Diamond | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 69         157
Acquired | Unsecuritized | Legacy-Grand Islander            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 54         91
Acquired | Unsecuritized | Legacy-Grand Islander | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 31         68
Acquired | Unsecuritized | Legacy-Grand Islander | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         2
Acquired | Unsecuritized | Legacy-Grand Islander | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 0         1
Acquired | Unsecuritized | Legacy-Grand Islander | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 22         20
Acquired | Unsecuritized | Legacy-Bluegreen            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 114         156
Acquired | Unsecuritized | Legacy-Bluegreen | Current            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 58         112
Acquired | Unsecuritized | Legacy-Bluegreen | 31 - 90 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 3         5
Acquired | Unsecuritized | Legacy-Bluegreen | 91 - 120 days past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross 1         2
Acquired | Unsecuritized | Legacy-Bluegreen | 121 days and greater past due            
Financing Receivable, Recorded Investment, Past Due [Line Items]            
Timeshare financing receivables, gross $ 52         $ 37
v3.25.4
INVENTORY - Schedule of Inventory (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Inventory Disclosure [Abstract]    
Completed unsold VOIs $ 2,026 $ 1,898
Construction in process 495 345
Land, infrastructure and other 1 1
Total $ 2,522 $ 2,244
v3.25.4
INVENTORY - Schedule of Costs of Sales True-ups Relating to VOI Products (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Cost of sales true-up      
Inventory [Line Items]      
Expenses $ 40 $ 23 $ 61
v3.25.4
PROPERTY AND EQUIPMENT - Schedule of Property and Equipment (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Property Plant And Equipment [Line Items]    
Property and equipment, gross $ 1,172 $ 1,055
Accumulated depreciation (313) (263)
Total 859 792
Land    
Property Plant And Equipment [Line Items]    
Property and equipment, gross 296 283
Building and leasehold improvements    
Property Plant And Equipment [Line Items]    
Property and equipment, gross 569 491
Furniture and equipment    
Property Plant And Equipment [Line Items]    
Property and equipment, gross 191 134
Construction in progress    
Property Plant And Equipment [Line Items]    
Property and equipment, gross $ 116 $ 147
v3.25.4
PROPERTY AND EQUIPMENT - Additional Information (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Property and Equipment      
Property Plant And Equipment [Line Items]      
Depreciation expense $ 57 $ 52 $ 51
v3.25.4
CONSOLIDATED VARIABLE INTEREST ENTITIES - Schedule of Consolidated Variable Interest Entities (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Variable Interest Entity [Line Items]      
Restricted cash $ 332 $ 438 $ 296
Timeshare financing receivables, net 3,115 3,006  
Variable Interest Entities      
Variable Interest Entity [Line Items]      
Restricted cash 142 193  
Timeshare financing receivables, net 2,435 1,975  
Non-recourse debt, net $ 2,690 $ 2,285  
v3.25.4
CONSOLIDATED VARIABLE INTEREST ENTITIES - Schedule of Interest Income and Interest Expense Disclosure (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Variable Interest Entity [Line Items]      
Interest expense $ 311 $ 329 $ 178
Debt issuance cost amortization 73 83 33
General and administrative 215 $ 199 $ 194
Variable Interest Entities      
Variable Interest Entity [Line Items]      
Interest income 355    
Interest expense 100    
Debt issuance cost amortization 15    
General and administrative $ 8    
v3.25.4
CONSOLIDATED VARIABLE INTEREST ENTITIES - Additional Information (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Variable Interest Entity [Line Items]      
Cash paid for interest $ 297 $ 354 $ 187
Non-recourse Debt      
Variable Interest Entity [Line Items]      
Cash paid for interest $ 104 $ 90 $ 44
v3.25.4
INVESTMENTS IN UNCONSOLIDATED AFFILIATES (Details)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
Affiliate
Dec. 31, 2024
USD ($)
Affiliate
Dec. 31, 2023
USD ($)
Schedule Of Investments [Line Items]      
Number of unconsolidated affiliates | Affiliate 2 2  
Debt, net $ 4,545 $ 4,601  
Investments in unconsolidated affiliates 63 73  
BRE Ace LLC      
Schedule Of Investments [Line Items]      
Debt, net 400 384  
Proceeds from equity method investment, distribution 25 16 $ 16
Two Unconsolidated Affiliates      
Schedule Of Investments [Line Items]      
Investments in unconsolidated affiliates 63 $ 73  
1776 Holding, LLC      
Schedule Of Investments [Line Items]      
Proceeds from equity method investment, distribution $ 3    
v3.25.4
INTANGIBLE ASSETS - Schedule of Intangible Assets and Related Amortization Expense (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Finite Lived Intangible Assets [Line Items]    
Gross Carrying Amount $ 2,644 $ 2,547
Accumulated Amortization (974) (760)
Net Carrying Amount 1,670 1,787
Trade name    
Finite Lived Intangible Assets [Line Items]    
Gross Carrying Amount 48 48
Accumulated Amortization (27) (22)
Net Carrying Amount 21 26
Management contracts    
Finite Lived Intangible Assets [Line Items]    
Gross Carrying Amount 1,869 1,819
Accumulated Amortization (605) (479)
Net Carrying Amount 1,264 1,340
Club member relationships    
Finite Lived Intangible Assets [Line Items]    
Gross Carrying Amount 174 174
Accumulated Amortization (93) (76)
Net Carrying Amount 81 98
Capitalized software    
Finite Lived Intangible Assets [Line Items]    
Gross Carrying Amount 349 302
Accumulated Amortization (217) (167)
Net Carrying Amount 132 135
Marketing agreements    
Finite Lived Intangible Assets [Line Items]    
Gross Carrying Amount 154 154
Accumulated Amortization (22) (11)
Net Carrying Amount 132 143
Other contract-related intangible assets    
Finite Lived Intangible Assets [Line Items]    
Gross Carrying Amount 50 50
Accumulated Amortization (10) (5)
Net Carrying Amount $ 40 $ 45
v3.25.4
INTANGIBLE ASSETS - Additional Information (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Finite Lived Intangible Assets [Line Items]      
Amortization expense on intangible assets $ 216 $ 216 $ 163
Trade name      
Finite Lived Intangible Assets [Line Items]      
Weighted average amortization period 4 years 7 months 6 days    
Management contracts      
Finite Lived Intangible Assets [Line Items]      
Weighted average amortization period 29 years 10 months 24 days    
Club member relationships      
Finite Lived Intangible Assets [Line Items]      
Weighted average amortization period 13 years 8 months 12 days    
Capitalized software      
Finite Lived Intangible Assets [Line Items]      
Weighted average amortization period 3 years    
Marketing agreements      
Finite Lived Intangible Assets [Line Items]      
Weighted average amortization period 16 years 1 month 6 days    
Other contract-related intangible assets      
Finite Lived Intangible Assets [Line Items]      
Weighted average amortization period 10 years    
v3.25.4
INTANGIBLE ASSETS - Schedule of Estimated Future Amortization Expense (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Future Amortization Expense    
2026 $ 215  
2027 186  
2028 154  
2029 122  
2030 111  
Thereafter 882  
Net Carrying Amount $ 1,670 $ 1,787
v3.25.4
OTHER ASSETS (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]    
Deferred selling, marketing, general and administrative expenses $ 86 $ 25
Prepaid expenses 71 96
Cloud computing arrangements 27 17
Interest receivable 30 29
Deferred income tax assets 13 12
Interest rate swaps 18 37
Other 165 174
Total $ 410 $ 390
v3.25.4
ACCOUNTS PAYABLE, ACCRUED EXPENSES AND OTHER (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Related Party Transaction [Line Items]    
Accrued employee compensation and benefits $ 179 $ 160
Bonus point incentive liability 52 52
Income taxes payable 20 83
Sales and other taxes payable 143 158
Interest payable 51 48
Accrued legal settlements 8 7
Other accrued expenses 434 384
Total 1,018 1,125
Nonrelated Party    
Related Party Transaction [Line Items]    
Accounts payable 58 180
Due to Hilton    
Related Party Transaction [Line Items]    
Accounts payable $ 73 $ 53
v3.25.4
DEBT AND NON-RECOURSE DEBT - Schedule of Outstanding Borrowings (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Debt Instrument [Line Items]    
Total debt, net $ 4,545 $ 4,601
Debt instrument, average interest rate 5.691% 6.14%
Revolving Credit Facility    
Debt Instrument [Line Items]    
Debt issuance costs $ 3 $ 3
Senior Notes    
Debt Instrument [Line Items]    
Debt issuance discounts 5 11
Senior Notes and Other Debt    
Debt Instrument [Line Items]    
Total debt, gross 4,603 4,672
Less: unamortized deferred financing costs and discounts (58) (71)
Total debt, net 4,545 4,601
Debt issuance costs 53 64
Debt issuance discounts 5 7
Non-recourse Debt    
Debt Instrument [Line Items]    
Total debt, gross 2,751 2,350
Less: unamortized deferred financing costs and discounts (35) (32)
Total debt, net $ 2,716 $ 2,318
Debt instrument, average interest rate 5.019% 5.235%
Debt issuance costs $ 30 $ 21
Term loan A due 2028 | Line of Credit    
Debt Instrument [Line Items]    
Interest Rate 5.366%  
Total debt, gross $ 400 400
Term loan B due 2028 | Line of Credit    
Debt Instrument [Line Items]    
Interest Rate 5.716%  
Total debt, gross $ 851 858
Term loan B due 2031 | Line of Credit    
Debt Instrument [Line Items]    
Interest Rate 5.716%  
Total debt, gross $ 887 893
Revolver due 2030 | Revolving Credit Facility    
Debt Instrument [Line Items]    
Interest Rate 5.493%  
Total debt, gross $ 130 233
Senior notes due 2029 | Senior Notes    
Debt Instrument [Line Items]    
Interest Rate 5.00%  
Total debt, gross $ 850 850
Senior notes due 2031 | Senior Notes    
Debt Instrument [Line Items]    
Interest Rate 4.875%  
Total debt, gross $ 500 500
Senior notes due 2032 | Senior Notes    
Debt Instrument [Line Items]    
Interest Rate 6.625%  
Total debt, gross $ 900 900
Other debt | Senior Notes    
Debt Instrument [Line Items]    
Total debt, gross 85 38
Timeshare Facility due 2027 | Senior Notes    
Debt Instrument [Line Items]    
Debt issuance costs   2
Timeshare Facility due 2027 | Non-recourse Debt    
Debt Instrument [Line Items]    
Total debt, gross $ 615 428
Debt instrument, average interest rate 5.125%  
Securitized Debt due 2033 - 2044 | Non-recourse Debt    
Debt Instrument [Line Items]    
Total debt, gross $ 2,106 1,883
Debt instrument, average interest rate 4.982%  
Securitized Debt due 2033 - 2044 | Non-recourse Debt | Minimum    
Debt Instrument [Line Items]    
Debt instrument, average interest rate 1.41%  
Securitized Debt due 2033 - 2044 | Non-recourse Debt | Maximum    
Debt Instrument [Line Items]    
Debt instrument, average interest rate 6.419%  
Quorum Purchase Facility due 2034 | Non-recourse Debt    
Debt Instrument [Line Items]    
Total debt, gross $ 4 6
Debt instrument, average interest rate 5.026%  
NBA Receivables Facility due 2031 | Non-recourse Debt    
Debt Instrument [Line Items]    
Total debt, gross $ 26 $ 33
Debt instrument, average interest rate 5.466%  
v3.25.4
DEBT AND NON-RECOURSE DEBT - Additional Information (Details)
$ in Millions, ¥ in Billions
12 Months Ended
Jan. 31, 2025
Jan. 30, 2025
Dec. 31, 2025
USD ($)
Aug. 31, 2025
USD ($)
Jul. 31, 2025
USD ($)
Jul. 31, 2025
JPY (¥)
Jun. 30, 2025
USD ($)
Dec. 31, 2024
USD ($)
Debt Instrument [Line Items]                
Remaining borrowing capacity under the revolver facility     $ 809          
Accumulated other comprehensive loss, qualifying as hedge     18         $ 37
Restricted cash     332         438
Reserves related to non-recourse debt                
Debt Instrument [Line Items]                
Restricted cash     142         193
Securitized                
Debt Instrument [Line Items]                
Timeshare financing receivables, gross     400 $ 400 $ 65 ¥ 9.5 $ 300  
Non-recourse Debt                
Debt Instrument [Line Items]                
Debt issuance costs     $ 30         21
Term loan B due 2028 | Line of Credit                
Debt Instrument [Line Items]                
Interest rate, stated percentage     5.716%          
Term loan A due 2028 | Line of Credit                
Debt Instrument [Line Items]                
Interest rate, stated percentage     5.366%          
Timeshare Facility with an average rate of 6.420%, due 2025 | Non-recourse Debt                
Debt Instrument [Line Items]                
Remaining borrowing capacity     $ 235          
Timeshare Facility                
Debt Instrument [Line Items]                
Debt issuance costs     6 6 $ 3   6  
Debt instrument repaid amount     2,400          
4.88% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount             $ 166  
Interest rate, stated percentage             4.88%  
5.18% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount             $ 87  
Interest rate, stated percentage             5.18%  
5.52% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount             $ 47  
Interest rate, stated percentage             5.52%  
1.41% Timeshare Facility                
Debt Instrument [Line Items]                
Interest rate, stated percentage         1.41% 1.41%    
4.54% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount       $ 210        
Interest rate, stated percentage       4.54%        
4.73% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount       $ 125        
Interest rate, stated percentage       4.73%        
5.12% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount       $ 65        
Interest rate, stated percentage       5.12%        
4.56% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount     $ 141          
Interest rate, stated percentage     4.56%          
4.90% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount     $ 147          
Interest rate, stated percentage     4.90%          
5.39% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount     $ 81          
Interest rate, stated percentage     5.39%          
7.38% Timeshare Facility                
Debt Instrument [Line Items]                
Debt instrument, face amount     $ 31          
Interest rate, stated percentage     7.38%          
Securitized Debt                
Debt Instrument [Line Items]                
Debt instrument repaid amount     $ 945          
NBA Receivables Facility                
Debt Instrument [Line Items]                
Outstanding borrowings, percentage     0.15          
Recourse portion subject to exceptions     $ 5          
Revolving Credit Facility                
Debt Instrument [Line Items]                
Debt issuance costs     3         $ 3
Revolving Credit Facility | Senior Secured Credit Facilities                
Debt Instrument [Line Items]                
Letters of credit outstanding     $ 61          
Revolving Credit Facility | Term loan B due 2028 | Line of Credit                
Debt Instrument [Line Items]                
Interest rate on revolving credit facility 2.00% 2.50%            
Derivative fixed interest rate     1.55%          
Notional amount     $ 550          
Revolving Credit Facility | Term Loan B due 2031 | Line of Credit                
Debt Instrument [Line Items]                
Interest rate on revolving credit facility 2.00% 2.25%            
Revolving Credit Facility | Term loan A due 2028 | Line of Credit                
Debt Instrument [Line Items]                
Interest rate on revolving credit facility 1.65% 1.75%            
Cash Collateral Secured Credit Facilities                
Debt Instrument [Line Items]                
Letters of credit outstanding     $ 1          
v3.25.4
DEBT AND NON-RECOURSE DEBT - Schedule of Derivative Instruments (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
AOCI Related to Derivative instruments [Roll Forward]      
Other comprehensive loss before reclassifications, net $ (14) $ (4) $ (16)
Net unrealized gain on derivative instruments      
AOCI Related to Derivative instruments [Roll Forward]      
Balance as of December 31, 2024 28    
Other comprehensive loss before reclassifications, net (3)    
Reclassifications to net income (11)    
Balance as of December 31, 2025 $ 14    
v3.25.4
DEBT AND NON-RECOURSE DEBT - Schedule of Contractual Maturities of Debt (Details)
$ in Millions
Dec. 31, 2025
USD ($)
Total  
Debt Instrument [Line Items]  
2026 $ 561
2027 1,064
2028 1,585
2029 1,125
2030 352
Thereafter 2,667
Total 7,354
Debt  
Debt Instrument [Line Items]  
2026 25
2027 23
2028 1,257
2029 871
2030 148
Thereafter 2,279
Total 4,603
Non-recourse Debt  
Debt Instrument [Line Items]  
2026 536
2027 1,041
2028 328
2029 254
2030 204
Thereafter 388
Total $ 2,751
v3.25.4
FAIR VALUE MEASUREMENTS (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Level 1    
Assets:    
Timeshare financing receivables, net $ 0 $ 0
Liabilities:    
Debt, net 4,352 4,309
Non-recourse debt, net 2,128 1,873
Level 3    
Assets:    
Timeshare financing receivables, net 3,419 3,203
Liabilities:    
Debt, net 233 283
Non-recourse debt, net 640 446
Carrying Amount    
Assets:    
Timeshare financing receivables, net 3,115 3,006
Liabilities:    
Debt, net 4,545 4,601
Non-recourse debt, net $ 2,716 $ 2,318
v3.25.4
LEASES - Schedule of Rent Expense (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Leases [Abstract]      
Minimum rentals $ 35 $ 30 $ 28
Contingent rentals 12 20 11
Total $ 47 $ 50 $ 39
v3.25.4
LEASES - Schedule of Supplemental Cash Flow Information Related to Operating Leases (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Cash paid for amounts included in the measurement of lease liabilities:      
Operating cash outflows from operating leases $ 30 $ 30 $ 27
Right-of-use assets obtained in exchange for new lease liabilities:      
Operating leases $ 24 $ 26 $ 9
v3.25.4
LEASES - Schedule of Supplemental Balance Sheet Information Related to Operating Leases (Details)
Dec. 31, 2025
Dec. 31, 2024
Leases [Abstract]    
Weighted-average remaining lease term of operating leases (in years) 7 years 6 years
Weighted-average discount rate of operating leases 6.13% 4.90%
v3.25.4
LEASES - Schedule of Future Minimum Lease Payments Under Non-Cancelable Operating Leases (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Operating Leases    
2026 $ 26  
2027 18  
2028 13  
2029 12  
2030 9  
Thereafter 34  
Total future minimum lease payments 112  
Less: imputed interest (23)  
Present value of lease liabilities $ 89 $ 100
v3.25.4
INCOME TAXES - Schedule of Components of Income Before Income Taxes (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Income Tax Disclosure [Abstract]      
U.S. income (loss) before tax $ 90 $ (61) $ 335
Foreign income before tax 85 197 114
Income before income taxes $ 175 $ 136 $ 449
v3.25.4
INCOME TAXES - Schedule of Components of Provision for Income Tax Expense (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Current:      
Federal $ 86 $ 23 $ 105
State 18 4 18
Foreign 28 78 36
Total current 132 105 159
Deferred:      
Federal (56) (18) (22)
State 2 (3) (1)
Foreign (2) (8) 0
Total deferred (56) (29) (23)
Total provision for income taxes $ 76 $ 76 $ 136
v3.25.4
INCOME TAXES - Schedule of Effective Income Tax Rate Reconciliation (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Amount      
Statutory U.S. federal income tax provision $ 37 $ 29 $ 94
State and local income taxes, net of U.S. federal tax benefit 20 1 17
Foreign tax effects (1) 27 10
Effects of cross-border taxes      
Foreign derived intangible income (2)    
Foreign branch taxes, net of related credits 4    
Tax credits      
Research and development tax credit (8)    
Foreign tax credits (8)    
Change in valuation allowances 4    
Nontaxable or nondeductible items      
Share-based payment awards, net of IRC §162(m) limitation 5 3 2
Non-controlling interest (4) (3) 0
Other 2    
Changes in unrecognized tax benefits 7    
Other adjustments      
Interest on installment sales, net of federal tax effect 8 4 3
Bluegreen deferred adjustment 5    
Expired domestic loss carryforwards 5    
Other 2    
Uncertain tax positions   1 5
US permanent differences   12 2
Other   2 3
Total provision for income taxes $ 76 $ 76 $ 136
Percent      
Statutory U.S. federal income tax provision 21.00%    
State and local income taxes, net of federal tax effect 12.00%    
Foreign tax effects (1.00%)    
Effects of cross-border taxes      
Foreign derived intangible income (1.00%)    
Foreign branch taxes, net of related credits 2.00%    
Tax credits      
Research and development tax credit (5.00%)    
Foreign tax credits (5.00%)    
Change in valuation allowances 2.00%    
Nontaxable or nondeductible items      
Share-based payment awards, net of IRC §162(m) limitation 3.00%    
Non-controlling interest (2.00%)    
Other 1.00%    
Changes in unrecognized tax benefits 4.00%    
Other adjustments      
Interest on installment sales, net of federal tax effect 5.00%    
Bluegreen deferred adjustment 3.00%    
Expired domestic loss carryforwards 3.00%    
Other 1.00%    
Provision for income taxes 43.00%    
v3.25.4
INCOME TAXES - Schedule of Compositions of Net Deferred Tax Balances (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Income Tax Disclosure [Abstract]    
Deferred tax assets $ 13 $ 12
Deferred tax liabilities (864) (925)
Net deferred tax liability $ (851) $ (913)
v3.25.4
INCOME TAXES - Schedule of Effects of Temporary Differences and Carryforwards of Our Net Deferred Tax Liability (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Deferred tax assets:    
Compensation $ 38 $ 30
Domestic tax loss and credit carryforwards 99 130
Foreign tax loss carryforwards 46 44
Other reserves 375 261
Deferred tax assets, gross 558 465
Valuation allowance (150) (174)
Deferred tax assets 408 291
Deferred tax liabilities:    
Property and equipment (263) (144)
Amortizable intangible assets (380) (419)
Deferred income (616) (641)
Deferred tax liabilities (1,259) (1,204)
Net deferred tax liability $ (851) $ (913)
v3.25.4
INCOME TAXES - Additional Information (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Income Tax Disclosure [Line Items]        
Foreign tax credit carryforwards $ 29      
State tax credit carryforwards 6      
Valuation allowance 150 $ 174    
Unrecognized tax benefits 24 24 $ 25 $ 23
Total liability accrued for interest and penalties 46 $ 36    
UNITED STATES        
Income Tax Disclosure [Line Items]        
Operating loss carryforwards 254      
State and Local Tax Jurisdiction, Other        
Income Tax Disclosure [Line Items]        
Operating loss carryforwards 220      
Tax credits        
Income Tax Disclosure [Line Items]        
Operating loss carryforwards $ 175      
v3.25.4
INCOME TAXES - Schedule of Reconciliations of the Amounts of Unrecognized Tax Benefits (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Unrecognized Tax Benefits [Roll Forward]      
Unrecognized tax benefits at beginning of year $ 24 $ 25 $ 23
Current period tax position increases 0 3 2
Prior period tax position increases 0 0 3
Decreases due to lapse in applicable statute of limitations 0 (4) (3)
Unrecognized tax benefits at end of year $ 24 $ 24 $ 25
v3.25.4
SHARE-BASED COMPENSATION - Additional Information (Details) - USD ($)
$ / shares in Units, $ in Millions
1 Months Ended 6 Months Ended 12 Months Ended
Mar. 31, 2017
Jun. 30, 2025
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Share-based compensation expense     $ 62.0 $ 45.0 $ 39.0
Total tax benefit recognized to compensation     $ 10.0 $ 8.0 $ 6.0
Stock issued through net share settlements (in shares)     207,000 445,000 264,000
Amount of stock issued through net share settlements     $ 9.0 $ 21.0 $ 14.0
Unrecognized compensation costs for unvested awards     $ 46.0    
Unrecognized compensation costs, weighted average period for recognition     1 year 9 months 18 days    
Stock options exercisable (in shares)     1,867,039    
Intrinsic value of options exercisable     $ 14.0    
Weighted average remaining contractual term     4 years 6 months    
Intrinsic value of options exercised     $ 4.4    
Restricted Stock Units (RSUs)          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Award vesting period     3 years    
Number of shares granted (in shares)     999,680 717,858 537,964
Weighted average grant date fair value (in dollars per share)     $ 40.93 $ 44.00 $ 48.60
Stock Options          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Award vesting period     3 years    
Award termination period from date of grant or earlier     10 years    
Performance Shares          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Award vesting period     3 years    
Number of shares granted (in shares)     449,308 432,286 119,887
Weighted average grant date fair value (in dollars per share)     $ 41.01 $ 44.40 $ 49.14
Performance Shares | Adjusted EBITDA          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Remaining vesting share     50.00%    
Performance Shares | Tranche two          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Remaining vesting share     50.00%    
Performance Shares | Tranche two | Bluegreen Acquisition          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Award vesting period   18 months      
Two Thousand Twenty Three Omnibus Incentive Plan          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Shares of common stock available for future issuance (in shares)     2,613,147    
2017 Employees Stock Purchase Plan          
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]          
Shares of common stock available for future issuance (in shares) 2,500,000        
Share-based compensation expense     $ 2.0 $ 2.0 $ 1.0
Percentage of fair market value per share of common stock 85.00%        
Shares issued in period (in shares)     404,511 326,330 221,562
v3.25.4
SHARE-BASED COMPENSATION - Schedule of Information on RSUs and PSUs Grants (Details) - USD ($)
$ / shares in Units, $ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Restricted Stock Units (RSUs)      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Number of shares granted (in shares) 999,680 717,858 537,964
Weighted average grant date fair value (in dollars per share) $ 40.93 $ 44.00 $ 48.60
Fair value of shares vested (in millions) $ 28 $ 26 $ 23
Performance Shares      
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]      
Number of shares granted (in shares) 449,308 432,286 119,887
Weighted average grant date fair value (in dollars per share) $ 41.01 $ 44.40 $ 49.14
Fair value of shares vested (in millions) $ 0 $ 29 $ 8
v3.25.4
SHARE-BASED COMPENSATION - Schedule of Activity of RSUs PSUs (Details) - $ / shares
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Restricted Stock Units (RSUs)      
Number of Shares      
Number of shares outstanding, beginning of period (in shares) 1,226,381    
Number of shares granted (in shares) 999,680 717,858 537,964
Number of shares, vested (in shares) (629,800)    
Number of shares, forfeited (in shares) (69,002)    
Number of shares outstanding, end of period (in shares) 1,527,259 1,226,381  
Weighted Average Grant Date Fair Value      
Weighted average grant date fair value outstanding, beginning of period (in dollars per share) $ 45.24    
Weighted average grant date fair value (in dollars per share) 40.93 $ 44.00 $ 48.60
Weighted average grant date fair value, vested (in dollars per share) 45.17    
Weighted average grant date fair value, forfeited (in dollars per share) 43.15    
Weighted average grant date fair value outstanding, end of period (in dollars per share) $ 42.54 $ 45.24  
Performance Shares      
Number of Shares      
Number of shares outstanding, beginning of period (in shares) 550,009    
Number of shares granted (in shares) 449,308 432,286 119,887
Number of shares, vested (in shares) 0    
Number of shares, forfeited (in shares) (20,178)    
Number of shares outstanding, end of period (in shares) 979,139 550,009  
Weighted Average Grant Date Fair Value      
Weighted average grant date fair value outstanding, beginning of period (in dollars per share) $ 45.41    
Weighted average grant date fair value (in dollars per share) 41.01 $ 44.40 $ 49.14
Weighted average grant date fair value, vested (in dollars per share) 0    
Weighted average grant date fair value, forfeited (in dollars per share) 44.27    
Weighted average grant date fair value outstanding, end of period (in dollars per share) $ 43.41 $ 45.41  
v3.25.4
SHARE-BASED COMPENSATION - Schedule of Information on Option Grants (Details) - $ / shares
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Share-Based Payment Arrangement [Abstract]      
Number of options granted (in shares) 0 388,084 301,215
Weighted average exercise price per share (in dollars per share) $ 0 $ 44.45 $ 49.14
Weighted average grant date fair value per share (in dollars per share)   $ 22.63 $ 24.78
v3.25.4
SHARE-BASED COMPENSATION - Schedule of Options Assumptions (Details) - Stock Options
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]    
Expected volatility 47.70% 46.80%
Dividend yield 0.00% 0.00%
Risk-free rate   4.20%
Expected term (in years) 6 years 6 years
Minimum    
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]    
Risk-free rate 4.10%  
Maximum    
Share Based Compensation Arrangement By Share Based Payment Award [Line Items]    
Risk-free rate 4.30%  
v3.25.4
SHARE-BASED COMPENSATION - Schedule of Options Activity (Details) - $ / shares
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Number of Shares      
Outstanding, beginning of period (in shares) 2,576,978    
Granted (in shares) 0 388,084 301,215
Exercised (in shares) (335,444)    
Forfeited, canceled or expired (in shares) (42,761)    
Outstanding, end of period (in shares) 2,198,773 2,576,978  
Exercisable (in shares) 1,867,039    
Weighted Average Exercise Price Per Share      
Outstanding, beginning of period (in dollars per share) $ 38.24    
Granted (in dollars per share) 0 $ 44.45 $ 49.14
Exercised (in dollars per share) 33.20    
Forfeited, canceled or expired (in dollars per share) 45.70    
Outstanding, end of period (in dollars per share) 38.87 $ 38.24  
Exercisable (in dollars per share) $ 37.64    
v3.25.4
EARNINGS PER SHARE - Schedule of Earnings Per Share, Basic and Diluted (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Numerator:      
Net income attributable to stockholders $ 81 $ 47 $ 313
Denominator:      
Weighted average shares outstanding (in shares) 89,900 101,900 110,100
Basic EPS (in dollars per share) $ 0.90 $ 0.46 $ 2.84
Denominator:      
Weighted average shares outstanding, diluted (in shares) 91,500 103,100 111,600
Diluted EPS (in dollars per share) $ 0.89 $ 0.45 $ 2.80
Restricted Stock Units (RSUs)      
Denominator:      
Antidilutive securities excluded from computation of EPS (in shares) 3 0 0
Performance Shares      
Denominator:      
Antidilutive securities excluded from computation of EPS (in shares) 0 0 0
Stock Options      
Denominator:      
Antidilutive securities excluded from computation of EPS (in shares) 1,134 1,140 818
Restricted Stock Units, Performance Share Units, Employee Stock And Employee Stock Purchase Plan      
Denominator:      
RSUs, PSUs, Options and ESPP (in shares) 1,600 1,200 1,500
v3.25.4
EARNINGS PER SHARE - Additional Information (Details) - USD ($)
shares in Millions, $ in Millions
2 Months Ended
Jul. 29, 2025
Aug. 07, 2024
Feb. 19, 2026
Subsequent Event      
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]      
Repurchases (in shares)     1.9
Repurchases     $ 89
2024 Repurchase Plan      
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]      
Authorized repurchase amount   $ 500  
Stock repurchase program period   2 years  
2025 Repurchase Plan      
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]      
Authorized repurchase amount $ 600    
Stock repurchase program period 2 years    
2025 Repurchase Plan | Subsequent Event      
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]      
Remaining authorized repurchase amount     $ 339
v3.25.4
EARNINGS PER SHARE - Schedule of Stock Repurchase Activity (Details)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
shares
Shares  
Beginning balance, shares (in shares) | shares 41,000,000
Repurchases (in shares) | shares 15,000,000
Ending balance, shares (in shares) | shares 56,000,000
Cost  
Beginning balance, cost | $ $ 1,549
Repurchases | $ 600
Ending balance, cost | $ $ 2,149
v3.25.4
RELATED PARTY TRANSACTIONS - Schedule of Amounts Included in Condensed Consolidated Statements of Income Related to Fee for Service Arrangement (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Related Party Transaction [Line Items]      
Equity in earnings from unconsolidated affiliates $ 19 $ 18 $ 12
Commissions and other fees 5,047 4,981 3,978
Related Party      
Related Party Transaction [Line Items]      
Equity in earnings from unconsolidated affiliates 19 18 12
Commissions and other fees $ 164 $ 165 $ 204
v3.25.4
RELATED PARTY TRANSACTIONS - Additional Information (Details) - USD ($)
$ / shares in Units, $ in Millions
12 Months Ended
Aug. 12, 2025
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2021
Apollo Global Management | Diamond Acquisition        
Related Party Transaction [Line Items]        
Interest acquired (more than)       20.00%
Due to Hilton        
Related Party Transaction [Line Items]        
Other receivables   $ 3 $ 5  
Apollo Global Management        
Related Party Transaction [Line Items]        
Repurchases (in shares) 933,488      
Repurchases $ 40      
Shares acquired, average cost per share (in dollars per share) $ 42.85      
Reimbursable expenses billed   $ 2    
Reimbursable expenses received     $ 1  
Apollo Global Management | Private Placement        
Related Party Transaction [Line Items]        
Number of shares issued in transaction (in shares) 8,050,000      
Apollo Global Management | Over-Allotment Option        
Related Party Transaction [Line Items]        
Number of shares issued in transaction (in shares) 1,050,000      
v3.25.4
BUSINESS SEGMENTS - Additional Information (Details)
12 Months Ended
Dec. 31, 2025
segment
Segment Reporting [Abstract]  
Number of operating segments 2
Number of reportable segments 2
v3.25.4
BUSINESS SEGMENTS - Schedule of Segment Operating Performance Reconciled to Consolidated Amounts (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues $ 5,047 $ 4,981 $ 3,978
Operating segments      
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues 4,614 4,538 3,648
Intersegment eliminations      
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues (101) (73) (56)
Cost reimbursements      
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues 534 516 386
Real estate and financing      
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues 2,989 3,010 2,357
Real estate and financing | Operating segments      
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues 2,989 3,010 2,357
Resort Operations and Club Management      
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues 1,524 1,455 1,235
Resort Operations and Club Management | Operating segments      
Segment Reporting, Revenue Reconciling Item [Line Items]      
Total revenues $ 1,625 $ 1,528 $ 1,291
v3.25.4
BUSINESS SEGMENTS - Schedule of Adjusted EBITDA for Reportable Segments (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting Information [Line Items]      
Total segment revenues $ 4,513 $ 4,465 $ 3,592
Share-based compensation expense 62 45 39
Segment Adjusted EBITDA 1,327 1,406 1,258
Cost of VOI sales      
Segment Reporting Information [Line Items]      
Total segment expenses 152 239 194
Financing      
Segment Reporting Information [Line Items]      
Total segment expenses 215 188 99
Intersegment eliminations      
Segment Reporting Information [Line Items]      
Total segment revenues (101) (73) (56)
Operating segments      
Segment Reporting Information [Line Items]      
Total segment revenues 4,614 4,538 3,648
Total segment expenses 3,250 3,130 2,363
Share-based compensation expense 25 18 15
Other segment adjustment items 39 53 14
Segment Adjusted EBITDA 1,327 1,406 1,258
Operating segments | Cost of VOI sales      
Segment Reporting Information [Line Items]      
Total segment expenses 152 239 194
Operating segments | Selling expense      
Segment Reporting Information [Line Items]      
Total segment expenses 812 727 501
Operating segments | Marketing expense      
Segment Reporting Information [Line Items]      
Total segment expenses 1,029 914 682
Operating segments | Financing      
Segment Reporting Information [Line Items]      
Total segment expenses 215 188 99
Operating segments | Club expense      
Segment Reporting Information [Line Items]      
Total segment expenses 87 83 60
Operating segments | Property management expense      
Segment Reporting Information [Line Items]      
Total segment expenses 140 128 117
Operating segments | Rental expense      
Segment Reporting Information [Line Items]      
Total segment expenses 738 681 573
Operating segments | Other expenses      
Segment Reporting Information [Line Items]      
Total segment expenses 77 170 137
Real estate and financing      
Segment Reporting Information [Line Items]      
Total segment revenues 2,989 3,010 2,357
Segment Adjusted EBITDA 707 802 754
Real estate and financing | Intersegment eliminations      
Segment Reporting Information [Line Items]      
Total segment revenues (101) (73) (56)
Real estate and financing | Operating segments      
Segment Reporting Information [Line Items]      
Total segment revenues 2,989 3,010 2,357
Total segment expenses 2,238 2,195 1,574
Share-based compensation expense 17 12 12
Other segment adjustment items 40 48 15
Segment Adjusted EBITDA 707 802 754
Real estate and financing | Operating segments | Cost of VOI sales      
Segment Reporting Information [Line Items]      
Total segment expenses 152 239 194
Real estate and financing | Operating segments | Selling expense      
Segment Reporting Information [Line Items]      
Total segment expenses 812 727 501
Real estate and financing | Operating segments | Marketing expense      
Segment Reporting Information [Line Items]      
Total segment expenses 1,029 914 682
Real estate and financing | Operating segments | Financing      
Segment Reporting Information [Line Items]      
Total segment expenses 215 188 99
Real estate and financing | Operating segments | Club expense      
Segment Reporting Information [Line Items]      
Total segment expenses 0 0 0
Real estate and financing | Operating segments | Property management expense      
Segment Reporting Information [Line Items]      
Total segment expenses 0 0 0
Real estate and financing | Operating segments | Rental expense      
Segment Reporting Information [Line Items]      
Total segment expenses 0 0 0
Real estate and financing | Operating segments | Other expenses      
Segment Reporting Information [Line Items]      
Total segment expenses 30 127 98
Resort Operations and Club Management      
Segment Reporting Information [Line Items]      
Total segment revenues 1,524 1,455 1,235
Segment Adjusted EBITDA 620 604 504
Resort Operations and Club Management | Intersegment eliminations      
Segment Reporting Information [Line Items]      
Total segment revenues (101) (73) (56)
Resort Operations and Club Management | Operating segments      
Segment Reporting Information [Line Items]      
Total segment revenues 1,625 1,528 1,291
Total segment expenses 1,012 935 789
Share-based compensation expense 8 6 3
Other segment adjustment items (1) 5 (1)
Segment Adjusted EBITDA 620 604 504
Resort Operations and Club Management | Operating segments | Cost of VOI sales      
Segment Reporting Information [Line Items]      
Total segment expenses 0 0 0
Resort Operations and Club Management | Operating segments | Selling expense      
Segment Reporting Information [Line Items]      
Total segment expenses 0 0 0
Resort Operations and Club Management | Operating segments | Marketing expense      
Segment Reporting Information [Line Items]      
Total segment expenses 0 0 0
Resort Operations and Club Management | Operating segments | Financing      
Segment Reporting Information [Line Items]      
Total segment expenses 0 0 0
Resort Operations and Club Management | Operating segments | Club expense      
Segment Reporting Information [Line Items]      
Total segment expenses 87 83 60
Resort Operations and Club Management | Operating segments | Property management expense      
Segment Reporting Information [Line Items]      
Total segment expenses 140 128 117
Resort Operations and Club Management | Operating segments | Rental expense      
Segment Reporting Information [Line Items]      
Total segment expenses 738 681 573
Resort Operations and Club Management | Operating segments | Other expenses      
Segment Reporting Information [Line Items]      
Total segment expenses $ 47 $ 43 $ 39
v3.25.4
BUSINESS SEGMENTS - Schedule of Adjusted EBITDA for our Reportable Segments Reconciled to Net Income and Net Income Attributable to Stockholders (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting, Reconciling Item for Operating Profit (Loss) from Segment to Consolidated [Line Items]      
Segment Adjusted EBITDA $ 1,327 $ 1,406 $ 1,258
Acquisition and integration-related expense (98) (237) (68)
General and administrative (215) (199) (194)
Depreciation and amortization (273) (268) (213)
Other gain (loss), net 7 (11) 2
Interest expense (311) (329) (178)
Income tax expense (76) (76) (136)
Equity in earnings from unconsolidated affiliates 19 18 12
Impairment expense (3) (2) (3)
Other adjustment items (64) (71) (29)
Net income 99 60 313
Net income attributable to noncontrolling interest 18 13 0
Net income attributable to stockholders 81 47 313
License fee expense      
Segment Reporting, Reconciling Item for Operating Profit (Loss) from Segment to Consolidated [Line Items]      
License fee expense (214) (171) (138)
Real estate and financing      
Segment Reporting, Reconciling Item for Operating Profit (Loss) from Segment to Consolidated [Line Items]      
Segment Adjusted EBITDA 707 802 754
Resort Operations and Club Management      
Segment Reporting, Reconciling Item for Operating Profit (Loss) from Segment to Consolidated [Line Items]      
Segment Adjusted EBITDA $ 620 $ 604 $ 504
v3.25.4
BUSINESS SEGMENTS - Schedule of Assets Reconciled to Consolidated Amounts (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Segment Reporting Asset Reconciling Item [Line Items]    
Assets $ 11,537 $ 11,442
Operating segments    
Segment Reporting Asset Reconciling Item [Line Items]    
Assets 10,947 10,512
Operating segments | Real estate and financing    
Segment Reporting Asset Reconciling Item [Line Items]    
Assets 7,807 7,349
Operating segments | Resort Operations and Club Management    
Segment Reporting Asset Reconciling Item [Line Items]    
Assets 3,140 3,163
Corporate    
Segment Reporting Asset Reconciling Item [Line Items]    
Assets $ 590 $ 930
v3.25.4
BUSINESS SEGMENTS - Schedule of Capital Expenditures for Property and Equipment Reconciled to Consolidated Amounts (Details) - USD ($)
$ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Segment Reporting Capital Expenditure For Property And Equipment Reconciling Item [Line Items]      
Total capital expenditures $ 196 $ 199 $ 97
Operating segments      
Segment Reporting Capital Expenditure For Property And Equipment Reconciling Item [Line Items]      
Total capital expenditures 139 154 63
Operating segments | Real estate and financing      
Segment Reporting Capital Expenditure For Property And Equipment Reconciling Item [Line Items]      
Total capital expenditures 137 152 61
Operating segments | Resort Operations and Club Management      
Segment Reporting Capital Expenditure For Property And Equipment Reconciling Item [Line Items]      
Total capital expenditures 2 2 2
Corporate      
Segment Reporting Capital Expenditure For Property And Equipment Reconciling Item [Line Items]      
Total capital expenditures $ 57 $ 45 $ 34
v3.25.4
COMMITMENTS AND CONTINGENCIES - Additional Information (Details)
$ in Millions
1 Months Ended 3 Months Ended 12 Months Ended
Nov. 30, 2023
Mar. 31, 2025
USD ($)
Dec. 31, 2025
USD ($)
kiosk
store
Dec. 31, 2024
USD ($)
Dec. 31, 2023
USD ($)
Feb. 10, 2025
USD ($)
Long-term Purchase Commitment [Line Items]            
Reasonably estimable of possible losses     $ 8.0 $ 7.0    
Surety Bond            
Long-term Purchase Commitment [Line Items]            
Contractual obligation     $ 439.0      
Bluegreen Vacations Unlimited, Inc. | Settled Litigation            
Long-term Purchase Commitment [Line Items]            
Notes payable   $ 47.5        
Estimated fair value   $ 47.5        
Bass Pro Shops Marketing Agreement            
Long-term Purchase Commitment [Line Items]            
Purchase commitment, period 10 years          
Number of stores | store     142      
Number of virtual kiosks | kiosk     7      
Inventory Purchase Obligation            
Long-term Purchase Commitment [Line Items]            
Purchase commitment, period     10 years      
Purchase commitment     $ 226.0      
Vacation ownership intervals commitment     40.0 $ 63.0 $ 156.0  
Inventory Purchase Obligation | Bluegreen Vacations Unlimited, Inc. | Settled Litigation | Bluegreen            
Long-term Purchase Commitment [Line Items]            
Purchase commitment     39.0      
Long-term purchase commitment, quarterly amount           $ 7.5
Long-term purchase commitment, quarterly amount, after cure     1.9      
Other commitments            
Long-term Purchase Commitment [Line Items]            
Purchase commitment     $ 43.0      
v3.25.4
COMMITMENTS AND CONTINGENCIES - Schedule of Remaining Purchase Obligations (Details)
$ in Millions
Dec. 31, 2025
USD ($)
Long-term Purchase Commitment [Line Items]  
2026 $ 73
2027 50
2028 95
2029 86
2030 107
Thereafter 143
Total 554
Marketing and license fee agreements  
Long-term Purchase Commitment [Line Items]  
2026 37
2027 38
2028 38
2029 38
2030 39
Thereafter 95
Total 285
Inventory purchase obligations  
Long-term Purchase Commitment [Line Items]  
2026 22
2027 8
2028 53
2029 44
2030 65
Thereafter 34
Total 226
Other commitments  
Long-term Purchase Commitment [Line Items]  
2026 14
2027 4
2028 4
2029 4
2030 3
Thereafter 14
Total $ 43
v3.25.4
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION - Additional Information (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 01, 2023
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]        
Cash paid for interest   $ 297 $ 354 $ 187
Cash paid for income taxes   154 36 187
Timeshare units transfer from property and equipment to inventory   $ 82 $ 271 92
Grand Islander        
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]        
Total consideration transferred $ 117      
Business combination, contingent consideration, liability, noncurrent       $ 4
Grand Islander | Common Stock        
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]        
Outstanding equity interests       100.00%
SOUTH CAROLINA        
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]        
Non-operating activity       $ 20
SOUTH CAROLINA | Accounts Payable, Accrued Expenses and Other        
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]        
Non-operating activity       17
SOUTH CAROLINA | Other Assets        
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]        
Non-operating activity       $ 3
v3.25.4
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION - Schedule of Cash Taxes Paid (Details)
$ in Millions
12 Months Ended
Dec. 31, 2025
USD ($)
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]  
US Federal $ 48
US States 18
Total taxes paid 154
Japan  
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]  
Foreign 48
Mexico  
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]  
Foreign 20
Other  
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]  
Foreign $ 20