Group 1 Automotive, Inc. · NYSE:GPI
Group 1 Automotive — Q2 2026 Earnings Presentation
34 slides from Group 1 Automotive's earnings presentation, Jul 30, 2026
Slide 1: Investor Presentation Q2 2026
GROUP | Investor Presentation Q2 2026
Slide 2: Forward Looking Statements
GP1 Forward Looking Statements This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, which are statements related to future, not past, events and are based on our current expectations and assumptions regarding our business
Slide 3: Continued process improvements and talent investment
• Continued process improvements • Ongoing investment in attracting and retaining talent *Based on the 2026 Pied Piper Service Scheduling Effectiveness (SSE ) Auto Dealer Group Study. Group 1 ranked #2 of 31 U.S. large dealer groups and first among publicly traded groups, behind on ly privately held
Slide 4: Acquisition of Hennessy Automobile Companies
GROUP | Hewsssy = AUTOMOBILE COMPANIES Acquisition of Hennessy Automobile Companies
Slide 5: Unique Investment Opportunity - Hennessy Automobile
Unique Investment Opportunity - Hennessy Automobile Collection of high-throughput stores Attractive luxury-focused brand mix with 01 enhances proven cluster strategy in Atlanta 02 dominant market share in region ✓ ~$1.7B annualized revenue; revenue per store over double the ✓ ~75% of revenue from pr
Slide 6: Dominant Luxury retailer in the Atlanta market
Family-owned business since 1964 Key brands: Dominant Luxury retailer in the Atlanta market 10 ~$1.7B ~$170M rooftops Expected annualized revenues Avg. revenue per rooftop Porsche North Atlanta Lexus of Gwinnett ~22,000 ~500 ~280 units sold in 2025; service bays technicians 50% new / 50% used 2025 F
Slide 7: Atlanta
18 Boston Metro 7 Washington DC Metro 9 Oklahoma City 7 Dallas- Ft Worth 3 → 15 Atlanta Hennessy – 10; $1.7B revenue Porsche North Atlanta - Roswell Atlanta Porsche Atlanta Northwest - Marietta Lexus of Gwinnett - Duluth Lexus of Atlanta - Chamblee El Paso 6 JLR Buckhead - Buckhead #6 largest Metrop
Slide 8: Acquisition Details
Acquisition Details ■ 10 rooftops, 12 franchises, 1 collision ■ Acquired revenues of ~$1.7B Transaction Overview center Revenue Mix (1) Increase in GPI Luxury Mix in US (2) 42% 38% Lexus 32% 29% 29% ■ Transaction valued at ~$1.3B, inclusive Lincoln JLR 4% of ~$1.0B of Blue Sky and ~$300M in 25% Valu
Slide 9: Portfolio optimization and expense reduction
Portfolio optimization – $900 million of annualized revenue disposed during 2026 YTD to focus on higher- return stores in priority markets During the quarter in the U.S., we successfully completed our previously announced $50 million annualized expense reduction initiative, exceeding our targets 9
Slide 10: Consolidated Revenues and Same Store Revenues
Consolidated Revenues Same Store Revenues $5,704 (6)% $5,385 $5,381 (3)% $5,203 $718 (4)% $692 $659 2% $238 $673 (9)% $217 $229 (8)% $212 $1,848 Parts & Service (7)% $1,718 $1,755 (6)% $1,658 Finance & Insurance $2,736 (5)% $2,606 Used Vehicle Retail $2,591 (3)% $2,522 New Vehicle Retail 2Q25 2Q26 2
Slide 11: U.S. Brand Diversification
U.S. Brand Diversification 26.2% 10.5% 10.2% 8.5% 8.5% 8.2% 7.2% 6.4% Maine (4) 2.6% New Hampshire (4) 2.5% 2.4% 2.1% NYC Metro (1) 1.5% Philadelphia Metro (1) 0.9% Atlantic City (2) 18 Boston Metro 0.3% Sacramento (2) 9 Oklahoma City 0.3% Kansas City (3) Other 1.7% 7 Dallas-Ft Worth Charlotte (1) S
Slide 12: U.K. Brand Diversification
U.K. Brand Diversification 23.8% 22.8% 13.9% 12.6% 8.2% 6.7% 3.2% 2.4% Lancashire (1) 5 Greater Manchester 2.3% 1.5% Merseyside (4) Derbyshire (3) Lincolnshire (1) 1.2% North Wales (1) Nottinghamshire (3) 1.0% 6 Norfolk Leicestershire (2) Other 0.4% 7 Cheshire Shropshire (1) 5 Cambridgeshire Bedford
Slide 13: Census source note
(1) 2024 American Community Survey, Household Size by Vehicles Available, United States Census 01 13
Slide 14: 2Q26 Business Diversification
2Q26 Business Diversification Gross Revenue Profit 4% 13% 25% 35% 45% 48% 9% 20% Finance & Insurance Parts & Service Used Vehicles New Vehicles *Fixed absorption calculation: parts & service gross profit divided by total company fixed costs plus parts & service selling expenses 01 14
Slide 15: Pied Piper Service Scheduling Effectiveness ranking
*Based on the 2026 Pied Piper Service Scheduling Effectiveness (SSE ) Auto Dealer Group Study. Group 1 ranked #2 of 31 U.S. large dealer groups and first among publicly traded groups, behind only privately held MileOne 01 15
Slide 16: Operational Excellence Lowers Costs and Optimizes Dealership Performance
Operational Excellence Lowers Costs and Optimizes Dealership Performance to Achieve Full Rooftop Potential — — Technology investment drives Variable cost structure allows customer and employee management to adjust quickly efficiencies (Al billing, virtual F&l, to changes in the phone & chat lead) ma
Slide 17: AI is being applied to the business' highest value profit drivers
Alis being applied to the business’ highest value profit drivers Across New Vehicles, Used Vehicles, Parts & Service, and SG&A functions Acquire & Retain Customers * 24/7 lead capture, routing, response, and appointment setting * Al-assisted sales coaching and follow-up * Automated Service reminders
Slide 18: Focused, Experienced Management Team
Daryl Kenningham President, CEO and Director 35+ Years Industry Experience Manufacturer and Automotive Retailing Experience Joined GP1 July 2011 Melkeya McDuffie SVP and CHRO 20+ Years Human Resources Experience Across Multiple Industries and Geographies Joined GPI August 2025 Focused, Experienced M
Slide 19: Buybacks and Dividends
$25.6M $23.7M $3.9B $555M $521M $2.5B $23.9M $25.2M $25.2M $1.1B $211M $0.9B $173M $162M $13.1M $0.6B $0.3B $72.4M 2021 2022 2023 2024 2025 2026 YTD 2021 2022 2023 2024 2025 2026 YTD Buybacks Dividends 2026 figures reflect year-to-date activity through June 30, 2026, and are not directly comparable
Slide 20: Revenue, Adjusted EPS and Adjusted FCF
Revenue* ($MM) Adjusted EPS* Adjusted FCF* ($MM) $45.85 $803 $22,571 $44.24 $40.83 $19,934 $39.29 $656 $17,874 $35.02 $581 $16,412 $504 $494 $13,802 $426 $12,044 $10,852 $18.06 $237 $10.93 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 20
Slide 21: Additional Operational Data
Additional Operational Data
Slide 22: New Vehicle Overview
New Vehicle Overview Total New Vehicle U.S. New Market Size1 (MM) Revenues ($MM)* Annual New Vehicle Units +10% 2019-2025 CAGR 17 18 17 17 17 16 16 16 15 15 2025 10,990 14 GPI vs. New Vehicle Industry 2024 9,972 2Q26 GPI U.S. Same Store 2023 8,775 Retail Unit Sales: -5% YoY 2022 7,562 2Q26 U.S. New
Slide 23: Used Vehicle Revenues and U.S. Used Market Size
Total Used Vehicle Revenues ($MM)* U.S. Used Market Size1 (MM) GPI vs. Used Vehicle Industry Annual Used Vehicle Units +13% 2019-2025 CAGR 38 11 39 11 39 11 39 11 40 11 37 10 41 12 36 36 37 38 12 2Q26 GPI U.S. Same Store Retail Unit Sales: -14% YoY 10 11 12 Retail 13 13 14 14 14 14 13 13 13 13 13 Wh
Slide 24: Parts & Service Revenue and Service Retention
80% 76% 76% 75% 74% 73% 70% 72% 71% 69% 70% Consolidated P&S Service-to- 64% Revenue (1) ($MM) Service Retention by Model Year* +11% 2019-2025 CAGR 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 10+ Yrs Average 2025 $2,845 *Represents vehicles having 2 service visits in 12 months. 2024 $2,491 202
Slide 25: Finance & Insurance Overview
Finance & Insurance Overview U.S. F&I Penetration U.S. F&I Gross Profit Per Retail Unit (PRU) 2Q26 $2,466 $2,495 * 2019 2020 2021 2022 2023 2024 2025 $2,428 YTD $2,338 $2,368 $2,155 Finance 72% 73% 73% 70% 68% 70% 70% 71% VSC 42% 44% 45% 45% 44% 44% 45% 44% $1,951 $1,782 Maintenance 14% 14% 15% 18%
Slide 26: Adjusted Operating Cash Flow, Free Cash Flow and Leverage
Adjusted Operating Cash Flow* Rent Adjusted Leverage Ratio Adjusted Free Cash Flow* Rent-adjusted leverage of 3.3x at 6/30 includes the impact of 3.1x 3.1x 3.3x two dealerships classified as 2.9x 2.7x held for sale and disposed of in $916 early July. On a proforma basis, rent-adjusted leverage would
Slide 27: Debt Maturities
Debt Maturities in millions, excludes floorplan $1,415 ~$2,179 million of floorplan debt $921 ~$1,016 million of mortgage debt ~$1,250 million of bond debt $364 $314 ~$809 million of acquisition line debt $173 $189 ~$300 million of other debt including finance leases 2026 2027 2028 2029 2030 Thereaf
Slide 28: Dealership Property Breakdown by Region
Dealership Property Breakdown by Region (as of June 30, 2026) Region Owned Leased United States 123 24 United Kingdom 62 44 Total 185 68 Owned vs. Leased Property Trend 167 204 259 253 # Properties 37% 34% 31% 27% % Leased 63% 66% 69% 73% % Owned 2020 2022 2024 2026 28
Slide 29: Non-GAAP Reconciliations
Non-GAAP Reconciliations 2026 Financial Results
Slide 30: Non-GAAP Financial Measures, Same Store Data, and Other Data
Non-GAAP Financial Measures, Same Store Data, and Other Data In addition to evaluating the financial condition and results of our operations in accordance with U.S. GAAP, from time to time our management evaluates and analyzes results and any impact on the Company of strategic decisions and actions
Slide 31: Reconciliation: Adjusted Cash Flow (Non-GAAP)
Reconciliation: Adjusted Cash Flow (Non-GAAP) 2Q25 2Q26 (Unaudited, $MM) 2019 2020 2021 2022 2023 2024 2025 YTD YTD Operating Cash Flow (GAAP) $371 $805 $1,260 $586 $190 $586 $694 $410 $155 Change in Floorplan notes payable - credit facilities and other, excluding (43) (314) (491) 320 505 133 7 (58)
Slide 32: Reconciliation: Adjusted Continuing Ops Earnings Per Share (Non-GAAP)
Reconciliation: Adjusted Continuing Ops Earnings Per Share (Non-GAAP) (Unaudited) 2Q25 2Q26 As Reported EPS from Continuing Ops $10.77 $8.62 After Tax Adjustments: Catastrophic Events 0.08 0.18 (Gain) loss on real estate and dealership transactions 0.01 0.24 Restructuring charges 0.50 0.13 Legal mat
Slide 33: Reconciliation: 2Q26 YTD Adjusted F&I (Non-GAAP)
Reconciliation: 2Q26 YTD Adjusted F&I (Non-GAAP) U.S. U.S. (Unaudited) Same Actual Store $MM F&I, net $351.4 $340.5 Non–recurring F&I 6.8 6.8 adjustment Adjusted F&I, net $358.2 $347.3 Per Retail Unit (PRU) F&I Gross PRU $2,447 $2,456 Non–recurring F&I 48 49 adjustment PRU Adjusted F&I Gross Profit
Slide 34: Reconciliation: Adjusted Total Earnings Per Share (Non-GAAP)
Reconciliation: Adjusted Total Earnings Per Share (Non-GAAP) (Unaudited) 2019 2020 2021 2022 2023 2024 2025 As Reported EPS $9.34 $15.51 $30.11 $47.14 $42.73 $36.81 $25.24 After Tax Adjustments: Asset impairments and accelerated depreciation 0.94 1.69 0.07 0.10 1.82 2.26 13.53 (Gain) loss on real es