Honda Auto Receivables 2026-3 Owner Trust
10/28/2026 | Press release | Distributed by Public on 10/28/2026 15:22
Asset-Backed Issuer Distribution Report (Form 10-D)
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
2 |
Determination Date: 10/14/2026 |
|
|
Actual/360 Days |
31 |
Record Date: 10/18/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/19/2026 |
ORIGINAL DEAL PARAMETERS
|
Dollar Amount |
Number of Receivables |
|||||||||||||
|
Total Portfolio Balance |
$2,159,251,282.38 |
87,213 |
|
Accrual Basis |
Dollar Amount |
% of Pool |
Index Rate |
Margin |
Interest Rate |
Final Scheduled |
||||||||
|
Class A-1 Notes |
Actual/360 |
$509,400,000.00 |
23.59% |
3.96400% |
August 18, 2027 |
|||||||||
|
Class A-2a Notes |
30/360 |
$536,600,000.00 |
24.85% |
4.30000% |
April 18, 2029 |
|||||||||
|
Class A-2b Notes |
Actual/360 |
$200,000,000.00 |
9.26% |
3.64917% |
0.320% |
3.96917% |
April 18, 2029 |
|||||||
|
Class A-3 Notes |
30/360 |
$736,400,000.00 |
34.10% |
4.52000% |
February 18, 2031 |
|||||||||
|
Class A-4 Notes |
30/360 |
$122,870,000.00 |
5.69% |
4.62000% |
November 18, 2032 |
|||||||||
|
Certificates |
30/360 |
$53,981,282.38 |
2.50% |
0.00000% |
||||||||||
|
Total Securities Balance |
$2,159,251,282.38 |
|||||||||||||
|
Total Note Balance |
$2,105,270,000.00 |
|||||||||||||
|
Reserve Account Initial Deposit |
$5,398,128.21 |
|||||||||||||
|
Yield Supplement Account Deposit |
$126,094,236.40 |
COLLECTIONS
|
Interest Collections |
||||||||||
|
Simple Interest Collections |
$8,317,258.58 |
|||||||||
|
Interest Related to Repurchased Receivables |
$0.00 |
|||||||||
|
Interest Advance for simple Interest - Net * |
$0.00 |
|||||||||
|
Total Interest Collections |
$8,317,258.58 |
|||||||||
|
* Advances are reimbursed (including outstanding advances of $0.00): |
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|
(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 |
$46,872,998.24 |
|||||||||
|
Prepayments in Full |
$23,381,778.51 |
|||||||||
|
Liquidation Proceeds |
$110,294.34 |
|||||||||
|
Principal Related to Repurchased Receivables |
$0.00 |
|||||||||
|
Recoveries from Prior Month Charge Offs |
$496.99 |
|||||||||
|
Total Principal Collections |
$70,365,568.08 |
|||||||||
|
Total Interest and Principal Collections |
$78,682,826.66 |
|||||||||
|
Yield Supplement Deposit |
$6,248,226.77 |
|||||||||
|
Collection Account Investment Earnings |
$0.00 |
|||||||||
|
Total Available Amount |
$84,931,053.43 |
|||||||||
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
2 |
Determination Date: 10/14/2026 |
|
|
Actual/360 Days |
31 |
Record Date: 10/18/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/19/2026 |
DISTRIBUTIONS
|
Note Percentage |
100.00% |
|||||||||
|
Certificate Percentage |
0.00% |
Amount Due |
Amount Paid |
Shortfall |
||||||
|
Total Servicing Fee |
1.00% |
$1,672,945.91 |
$1,672,945.91 |
$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 |
$1,220,933.80 |
$1,220,933.80 |
$0.00 |
|||||||
|
Interest - Class A-2a Notes |
$1,922,816.67 |
$1,922,816.67 |
$0.00 |
|||||||
|
Interest - Class A-2b Notes |
$683,579.28 |
$683,579.28 |
$0.00 |
|||||||
|
Interest - Class A-3 Notes |
$2,773,773.33 |
$2,773,773.33 |
$0.00 |
|||||||
|
Interest - Class A-4 Notes |
$473,049.50 |
$473,049.50 |
$0.00 |
|||||||
|
Total Monthly Interest |
$7,074,152.58 |
$7,074,152.58 |
$0.00 |
|||||||
|
Principal - Class A-1 Notes |
$70,456,512.82 |
$70,456,512.82 |
$0.00 |
|||||||
|
Principal - Class A-2a Notes |
$0.00 |
$0.00 |
$0.00 |
|||||||
|
Principal - Class A-2b Notes |
$0.00 |
$0.00 |
$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 |
$70,456,512.82 |
$70,456,512.82 |
$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 |
$5,727,442.12 |
$0.00 |
$0.00 |
$0.00 |
$5,727,442.12 |
|
Noteholder/Certificateholder Distributions |
Fee |
Interest |
Interest |
Principal |
Principal |
Amount |
||||||
|
Servicing Fee |
$0.77 |
$1,672,945.91 |
||||||||||
|
Trustee Fees |
$0.00 |
|||||||||||
|
Asset Representation Reviewer Fees |
$0.00 |
|||||||||||
|
Class A-1 Notes |
$2.40 |
$0.00 |
$138.31 |
$0.00 |
$71,677,446.62 |
|||||||
|
Class A-2a Notes |
$3.58 |
$0.00 |
$0.00 |
$0.00 |
$1,922,816.67 |
|||||||
|
Class A-2b Notes |
$3.42 |
$0.00 |
$0.00 |
$0.00 |
$683,579.28 |
|||||||
|
Class A-3 Notes |
$3.77 |
$0.00 |
$0.00 |
$0.00 |
$2,773,773.33 |
|||||||
|
Class A-4 Notes |
$3.85 |
$0.00 |
$0.00 |
$0.00 |
$473,049.50 |
|||||||
|
Certificates |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
|||||||
Page 2
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
2 |
Determination Date: 10/14/2026 |
|
|
Actual/360 Days |
31 |
Record Date: 10/18/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/19/2026 |
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 |
$357,683,807.32 |
0.7021669 |
$287,227,294.50 |
0.5638541 |
||||||
|
Class A-2a Notes |
$0.00 |
$0.00 |
$536,600,000.00 |
1.0000000 |
$536,600,000.00 |
1.0000000 |
||||||
|
Class A-2b Notes |
$0.00 |
$0.00 |
$200,000,000.00 |
1.0000000 |
$200,000,000.00 |
1.0000000 |
||||||
|
Class A-3 Notes |
$0.00 |
$0.00 |
$736,400,000.00 |
1.0000000 |
$736,400,000.00 |
1.0000000 |
||||||
|
Class A-4 Notes |
$0.00 |
$0.00 |
$122,870,000.00 |
1.0000000 |
$122,870,000.00 |
1.0000000 |
||||||
|
Certificates |
$0.00 |
$0.00 |
$53,981,282.38 |
1.0000000 |
$53,981,282.38 |
1.0000000 |
||||||
|
Total Securities |
$2,007,535,089.70 |
0.9297367 |
$1,937,078,576.88 |
0.8971066 |
||||||||
|
Total Notes |
$1,953,553,807.32 |
0.9279350 |
$1,883,097,294.50 |
0.8944683 |
||||||||
|
Portfolio Information |
Original |
Prior Month |
Current Month |
|||
|
Weighted Average Coupon (WAC) |
4.94% |
4.95% |
4.95% |
|||
|
Weighted Average Remaining Maturity (WAM) |
50.65 |
48.52 |
47.65 |
|||
|
Weighted Average Original Maturity (WAOM) |
62.68 |
|||||
|
Remaining Number of Receivables |
87,213 |
84,458 |
83,148 |
|||
|
Portfolio Receivable Balance |
$2,159,251,282.38 |
$2,007,535,089.70 |
$1,937,078,576.88 |
|
Net Loss and Delinquency Account Activity |
Amount |
|||||
|
Gross Principal Balance on Defaulted Receivables |
$201,736.07 |
|||||
|
Liquidation Proceeds |
$110,294.34 |
|||||
|
Recoveries on Previously Defaulted Contracts |
$496.99 |
|||||
|
Aggregate Net Losses for Collection Period |
$90,944.74 |
|||||
|
Net Loss Rate for Collection Period's Average Balance (annualized) |
0.06% |
|||||
|
Cumulative Net Losses for all Periods |
$143,521.38 |
|||||
DELINQUENCY AND NET LOSS ACTIVITY
|
Delinquent Receivables |
# Units |
% Unit |
Dollar Amount |
% Dollar |
||||
|
31-60 Days Delinquent |
393 |
0.47% |
$9,752,532.14 |
0.50% |
||||
|
61-90 Days Delinquent |
86 |
0.10% |
$2,035,538.37 |
0.11% |
||||
|
91-120 Days Delinquent |
24 |
0.03% |
$580,241.00 |
0.03% |
||||
|
121 Days or More Delinquent |
0 |
0.00% |
$0.00 |
0.00% |
|
Repossession Activity |
# Units |
% Unit |
Dollar Amount |
% Dollar |
||||
|
Vehicles Repossessed During Collection Period |
17 |
0.02% |
$546,977.07 |
0.03% |
||||
|
Total Accumulated Repossessed Vehicles in Inventory |
27 |
0.03% |
$840,527.63 |
0.04% |
Page 3
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
2 |
Determination Date: 10/14/2026 |
|
|
Actual/360 Days |
31 |
Record Date: 10/18/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/19/2026 |
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 |
0.00% |
|||||
|
Second Preceding Collection Period |
0.00% |
|||||
|
Preceding Collection Period |
0.03% |
|||||
|
Current Collection Period |
0.06% |
|||||
|
Four Month Average |
0.04% |
|||||
|
Ratio of Number of Contracts Delinquent 61 Days or More to the Outstanding Number of Receivables (includes repossessions in inventory) |
||||||
|
Second Preceding Collection Period |
0.00% |
|||||
|
Preceding Collection Period |
0.11% |
|||||
|
Current Collection Period |
0.16% |
|||||
|
Three Month Average |
0.14% |
|||||
|
Delinquency Trigger |
4.80% |
Delinquency Percentage exceeds Delinquency Trigger: |
No |
|||||
|
Delinquency Percentage - |
0.14% |
|||||||
|
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 |
7 |
$201,736.07 |
11 |
$330,362.27 |
||||
|
Liquidation Proceeds and Recoveries on Defaulted Receivables |
5 |
$110,791.33 |
8 |
$186,840.89 |
||||
|
Net Loss Amount |
7 |
$90,944.74 |
11 |
$143,521.38 |
||||
|
Net Loss % of Average Portfolio Balance (Annualized) |
0.06% |
|||||||
|
Cumulative Net Loss % of Initial Balance |
0.01% |
|||||||
|
Average Net Loss of Assets Experiencing a Loss |
$13,047.40 |
|||||||
CREDIT ENHANCEMENT
|
Reconciliation of Reserve Account |
Reconciliation of Yield Supplement Account |
|||||
|
Beginning Reserve Account Balance |
$5,398,128.21 |
Beginning Yield Supplement Account Balance |
$110,330,642.63 |
|||
|
Investment Earnings |
$16,350.01 |
Investment Earnings |
$359,113.73 |
|||
|
Excess Interest Deposited into the Reserve Account |
$0.00 |
Additional Yield Supplement Amounts |
$0.00 |
|||
|
Investment Withdrawal to Seller |
$(16,350.01) |
Yield Supplement Withdrawal Amount |
$(6,248,226.77) |
|||
|
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 |
$5,398,128.21 |
Ending Yield Supplement Account Balance |
$104,441,529.59 |
|||
|
Reserve Account Required Amount |
$5,398,128.21 |
|||||
Page 4
SERVICER'S CERTIFICATE
AMERICAN HONDA FINANCE CORPORATION
|
MONTHLY SERVICER REPORT -- Honda Auto Receivables 2026-3 Owner Trust |
||||||||
|
Collection Period: September 1, 2026 through September 30, 2026 |
||||||||
|
Deal Age |
2 |
Determination Date: 10/14/2026 |
|
|
Actual/360 Days |
31 |
Record Date: 10/18/2026 |
|
|
30/360 Days |
30 |
Payment Date: 10/19/2026 |
REPURCHASE DEMAND ACTIVITY (RULE 15Ga-1)
|
Is there any activity to report? |
No |
|||||||
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 2026-3 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 21:23 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]