Honda Auto Receivables 2025-3 Owner Trust
10/28/2026 | Press release | Distributed by Public on 10/28/2026 15:14
Asset-Backed Issuer Distribution Report (Form 10-D)
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
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|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
14 |
Determination Date: 10/16/2026 |
|
|
Actual/360 Days |
30 |
Record Date: 10/20/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/21/2026 |
ORIGINAL DEAL PARAMETERS
|
Dollar Amount |
Number of Receivables |
|||||||||||||||||
|
Total Portfolio Balance |
$ |
2,483,149,121.84 |
105,913 |
|||||||||||||||
|
Accrual Basis |
Dollar Amount |
% of Pool |
Index Rate |
Margin |
Interest Rate |
Final Scheduled |
||||||||
|
Class A-1 Notes |
Actual/360 |
$621,000,000.00 |
25.01% |
4.36200% |
August 21, 2026 |
|||||||||
|
Class A-2a Notes |
30/360 |
$550,020,000.00 |
22.15% |
4.19000% |
March 21, 2028 |
|||||||||
|
Class A-2b Notes |
Actual/360 |
$289,500,000.00 |
11.66% |
3.64783% |
0.350% |
3.99783% |
March 21, 2028 |
|||||||
|
Class A-3 Notes |
30/360 |
$839,520,000.00 |
33.81% |
4.04000% |
February 21, 2030 |
|||||||||
|
Class A-4 Notes |
30/360 |
$121,030,000.00 |
4.87% |
4.10000% |
November 21, 2031 |
|||||||||
|
Certificates |
30/360 |
$62,079,121.84 |
2.50% |
0.00000% |
||||||||||
|
Total Securities Balance |
$2,483,149,121.84 |
|||||||||||||
|
Total Note Balance |
$2,421,070,000.00 |
|||||||||||||
|
Reserve Account Initial Deposit |
$6,207,872.80 |
|||||||||||||
|
Yield Supplement Account Deposit |
$118,472,460.26 |
COLLECTIONS
|
Interest Collections |
||||||||||
|
Simple Interest Collections |
$5,919,928.86 |
|||||||||
|
Interest Related to Repurchased Receivables |
$0.00 |
|||||||||
|
Interest Advance for simple Interest - Net * |
$0.00 |
|||||||||
|
Total Interest Collections |
$5,919,928.86 |
|||||||||
|
* Advances are reimbursed (including outstanding advances of $0.00): |
||||
|
(i) from subsequent payments, liquidation proceeds and servicer repurchase payments in respect of the related obligor, and |
||||
|
(ii) to the extent amounts in clause (i) are insufficient, generally from interest (with respect to interest advances). |
||||
|
Principal Collections |
||||||||||
|
Principal Collections |
$44,744,832.49 |
|||||||||
|
Prepayments in Full |
$19,294,097.04 |
|||||||||
|
Liquidation Proceeds |
$410,903.09 |
|||||||||
|
Principal Related to Repurchased Receivables |
$0.00 |
|||||||||
|
Recoveries from Prior Month Charge Offs |
$167,044.59 |
|||||||||
|
Total Principal Collections |
$64,616,877.21 |
|||||||||
|
Total Interest and Principal Collections |
$70,536,806.07 |
|||||||||
|
Yield Supplement Deposit |
$3,433,096.17 |
|||||||||
|
Collection Account Investment Earnings |
$0.00 |
|||||||||
|
Total Available Amount |
$73,969,902.24 |
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SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
14 |
Determination Date: 10/16/2026 |
|
|
Actual/360 Days |
30 |
Record Date: 10/20/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/21/2026 |
DISTRIBUTIONS
|
Note Percentage |
100.00% |
|||||||||
|
Certificate Percentage |
0.00% |
Amount Due |
Amount Paid |
Shortfall |
||||||
|
Total Servicing Fee |
1.00% |
$1,160,041.55 |
$1,160,041.55 |
$0.00 |
||||||
|
Trustee Fees |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Asset Representations Reviewer Fees (Accrued & Unpaid) |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Interest - Class A-1 Notes |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Interest - Class A-2a Notes |
$845,087.12 |
$845,087.12 |
$0.00 |
|||||||
|
Interest - Class A-2b Notes |
$424,406.35 |
$424,406.35 |
$0.00 |
|||||||
|
Interest - Class A-3 Notes |
$2,826,384.00 |
$2,826,384.00 |
$0.00 |
|||||||
|
Interest - Class A-4 Notes |
$413,519.17 |
$413,519.17 |
$0.00 |
|||||||
|
Total Monthly Interest |
$4,509,396.64 |
$4,509,396.64 |
$0.00 |
|||||||
|
Principal - Class A-1 Notes |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Principal - Class A-2a Notes |
$42,443,679.26 |
$42,443,679.26 |
$0.00 |
|||||||
|
Principal - Class A-2b Notes |
$22,339,996.99 |
$22,339,996.99 |
$0.00 |
|||||||
|
Principal - Class A-3 Notes |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Principal - Class A-4 Notes |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Total Monthly Principal |
$64,783,676.25 |
$64,783,676.25 |
$0.00 |
|||||||
|
Interest - Certificates |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Principal - Certificates |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Available to Deposit |
Reserve Deposit |
Reserve Draw |
Excess Released |
Released to Seller |
||||||
|
Reserve Account Deposit |
$3,516,787.80 |
$0.00 |
$0.00 |
$0.00 |
$3,516,787.80 |
|
Noteholder/Certificateholder Distributions |
Fee |
Interest |
Interest |
Principal |
Principal |
Amount |
||||||
|
Servicing Fee |
$0.47 |
$1,160,041.55 |
||||||||||
|
Trustee Fees |
$0.00 |
|||||||||||
|
Asset Representation Reviewer Fees |
$0.00 |
|||||||||||
|
Class A-1 Notes |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Class A-2a Notes |
$1.54 |
$0.00 |
$77.17 |
$0.00 |
$43,288,766.38 |
|||||||
|
Class A-2b Notes |
$1.47 |
$0.00 |
$77.17 |
$0.00 |
$22,764,403.34 |
|||||||
|
Class A-3 Notes |
$3.37 |
$0.00 |
$0.00 |
$0.00 |
$2,826,384.00 |
|||||||
|
Class A-4 Notes |
$3.42 |
$0.00 |
$0.00 |
$0.00 |
$413,519.17 |
|||||||
|
Certificates |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
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Page 2
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
14 |
Determination Date: 10/16/2026 |
|
|
Actual/360 Days |
30 |
Record Date: 10/20/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/21/2026 |
POOL DATA
|
Proceeding Month |
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|
Carryover Shortfall |
Beginning of Period |
End of Period |
||||||||||
|
Interest |
Principal |
Balance |
Note Factor |
Balance |
Note Factor |
|||||||
|
Class A-1 Notes |
$0.00 |
$0.00 |
$0.00 |
0.0000000 |
$0.00 |
0.0000000 |
||||||
|
Class A-2a Notes |
$0.00 |
$0.00 |
$242,029,724.69 |
0.4400380 |
$199,586,045.43 |
0.3628705 |
||||||
|
Class A-2b Notes |
$0.00 |
$0.00 |
$127,391,013.59 |
0.4400380 |
$105,051,016.60 |
0.3628705 |
||||||
|
Class A-3 Notes |
$0.00 |
$0.00 |
$839,520,000.00 |
1.0000000 |
$839,520,000.00 |
1.0000000 |
||||||
|
Class A-4 Notes |
$0.00 |
$0.00 |
$121,030,000.00 |
1.0000000 |
$121,030,000.00 |
1.0000000 |
||||||
|
Certificates |
$0.00 |
$0.00 |
$62,079,121.84 |
1.0000000 |
$62,079,121.84 |
1.0000000 |
||||||
|
Total Securities |
$1,392,049,860.12 |
0.5605986 |
$1,327,266,183.87 |
0.5345093 |
||||||||
|
Total Notes |
$1,329,970,738.28 |
0.5493318 |
$1,265,187,062.03 |
0.5225735 |
||||||||
|
Portfolio Information |
Original |
Prior Month |
Current Month |
|||
|
Weighted Average Coupon (WAC) |
4.97% |
5.10% |
5.11% |
|||
|
Weighted Average Remaining Maturity (WAM) |
49.36 |
37.61 |
36.85 |
|||
|
Weighted Average Original Maturity (WAOM) |
61.91 |
|||||
|
Remaining Number of Receivables |
105,913 |
80,618 |
78,671 |
|||
|
Portfolio Receivable Balance |
$2,483,149,121.84 |
$1,392,049,860.12 |
$1,327,266,183.87 |
DELINQUENCY AND NET LOSS ACTIVITY
|
Net Loss and Delinquency Account Activity |
Amount |
|||||
|
Gross Principal Balance on Defaulted Receivables |
$744,746.72 |
|||||
|
Liquidation Proceeds |
$410,903.09 |
|||||
|
Recoveries on Previously Defaulted Contracts |
$167,044.59 |
|||||
|
Aggregate Net Losses for Collection Period |
$166,799.04 |
|||||
|
Net Loss Rate for Collection Period's Average Balance (annualized) |
0.15% |
|||||
|
Cumulative Net Losses for all Periods |
$5,308,899.31 |
|||||
|
Delinquent Receivables |
# Units |
% Unit |
Dollar Amount |
% Dollar |
||||
|
31-60 Days Delinquent |
558 |
0.71% |
$11,978,953.09 |
0.90% |
||||
|
61-90 Days Delinquent |
132 |
0.17% |
$2,758,931.35 |
0.21% |
||||
|
91-120 Days Delinquent |
36 |
0.05% |
$771,171.76 |
0.06% |
||||
|
121 Days or More Delinquent |
0 |
0.00% |
$0.00 |
0.00% |
|
Repossession Activity |
# Units |
% Unit |
Dollar Amount |
% Dollar |
||||
|
Vehicles Repossessed During Collection Period |
32 |
0.04% |
$835,756.12 |
0.06% |
||||
|
Total Accumulated Repossessed Vehicles in Inventory |
65 |
0.08% |
$1,847,693.57 |
0.14% |
Page 3
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
14 |
Determination Date: 10/16/2026 |
|
|
Actual/360 Days |
30 |
Record Date: 10/20/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/21/2026 |
DELINQUENCY AND NET LOSS ACTIVITY
|
Net Loss and Delinquency Ratios |
||||||
|
Ratio of Net Losses to the Pool Balance as of Each Collection Period |
||||||
|
Third Preceding Collection Period |
0.25% |
|||||
|
Second Preceding Collection Period |
0.50% |
|||||
|
Preceding Collection Period |
0.25% |
|||||
|
Current Collection Period |
0.15% |
|||||
|
Four Month Average |
0.29% |
|||||
|
Ratio of Number of Contracts Delinquent 61 Days or More to the Outstanding Number of Receivables (includes repossessions in inventory) |
||||||
|
Second Preceding Collection Period |
0.23% |
|||||
|
Preceding Collection Period |
0.27% |
|||||
|
Current Collection Period |
0.30% |
|||||
|
Three Month Average |
0.27% |
|||||
|
Delinquency Trigger |
4.80% |
Delinquency Percentage exceeds Delinquency Trigger: |
No |
|||||
|
Delinquency Percentage - |
0.27% |
|||||||
|
Receivables that are 61 days or more delinquent as a percentage of Current Outstanding Balance of Receivables |
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LOSS AND CUMULATIVE LOSS INFORMATION
|
Current Month |
Cumulative |
|||||||
|
For Assets Experiencing a Loss: |
Units |
Amount |
Units |
Amount |
||||
|
Gross Principal on Defaulted Receivables |
32 |
$688,803.14 |
487 |
$12,681,507.65 |
||||
|
Liquidation Proceeds and Recoveries on Defaulted Receivables |
65 |
$519,157.75 |
424 |
$7,352,380.47 |
||||
|
Net Loss Amount |
32 |
$169,645.39 |
487 |
$5,329,127.18 |
||||
|
Net Loss % of Average Portfolio Balance (Annualized) |
0.15% |
|||||||
|
Cumulative Net Loss % of Initial Balance |
0.21% |
|||||||
|
Average Net Loss of Assets Experiencing a Loss |
$10,942.77 |
|||||||
CREDIT ENHANCEMENT
|
Reconciliation of Reserve Account |
Reconciliation of Yield Supplement Account |
|||||
|
Beginning Reserve Account Balance |
$6,207,872.80 |
Beginning Yield Supplement Account Balance |
$47,079,496.16 |
|||
|
Investment Earnings |
$18,818.88 |
Investment Earnings |
$148,539.14 |
|||
|
Excess Interest Deposited into the Reserve Account |
$0.00 |
Additional Yield Supplement Amounts |
$0.00 |
|||
|
Investment Withdrawal to Seller |
$(18,818.88) |
Yield Supplement Withdrawal Amount |
$(3,433,096.17) |
|||
|
Release of Reserve to Collection Account |
$0.00 |
Investment Earnings Withdraw |
$0.00 |
|||
|
Release of Reserve to Seller |
$0.00 |
Release of Yield Supplement Account Balance to Seller |
$0.00 |
|||
|
Ending Reserve Account Balance |
$6,207,872.80 |
Ending Yield Supplement Account Balance |
$43,794,939.13 |
|||
|
Reserve Account Required Amount |
$6,207,872.80 |
|||||
Page 4
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2025-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
14 |
Determination Date: 10/16/2026 |
|
|
Actual/360 Days |
30 |
Record Date: 10/20/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/21/2026 |
REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
|
Is there any activity to report? |
No |
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STATEMENT TO NOTEHOLDERS
|
Has there been a material change in practices with respect to charge-offs, collection and management of delinquent receivables, and the effect of any grace period, re-aging, re-structuring, partial payments or other practices on delinquency and loss experience? |
No |
|||||||
|
Have there been any material modifications, extensions or waivers to receivables terms, fees, penalties or payments during the collection period? |
No |
|||||||
|
Have there been any material breaches of representations, warranties or covenants contained in the receivables? |
No |
|||||||
|
Has there been an issuance of notes or other securities backed by the receivables? |
No |
|||||||
|
Has there been a material change in the underwriting, origination or acquisition of receivables? |
No |
|||||||
SERVICER CERTIFICATION
|
I hereby certify that the servicing report provided is true and accurate to the best of my knowledge. |
||
|
/s/ Michi Rey |
||
|
Ms. Michiko Yamasaki Rey |
||
|
Secretary, American Honda Receivables |
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Page 5
Honda Auto Receivables 2025-3 Owner Trust published this content on October 28, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on October 28, 2026 at 21:14 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]