Group 1 Automotive, Inc. · NYSE:GPI
Group 1 Automotive — Q1 2026 Earnings Presentation
29 slides from Group 1 Automotive's earnings presentation, Apr 30, 2026
Slide 1: Investor Presentation Q1 2026
GROUP | Investor Presentation Q1 2026
Slide 2: Forward Looking Statements
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, th
Slide 3: Continued process improvements and talent investment
• Continued process improvements • Ongoing investment in attracting and retaining talent *Based on the 2025 Pied Piper PSI Service Telephone Effectiveness Study **As of April 30, 2026 3
Slide 4: Consolidated Revenues and Same Store Revenues
Consolidated Revenues Same Store Revenues $5,505 (2)% $5,407 $5,260 (1)% $5,197 $692 2% 5% $704 $648 $677 $226 (5)% $216 $219 (5)% $209 $1,755 1% Parts & Service 1% $1,775 $1,686 $1,708 Finance & Insurance $2,680 (4)% $2,562 Used Vehicle Retail $2,569 $2,463 (4)% New Vehicle Retail 1Q25 1Q26 1Q25 1Q
Slide 5: U.K. cost control and portfolio optimization
In the U.K. we are continuously taking decisive actions to control costs, including workforce realignment and strategic closing of underperforming facilities Portfolio optimization – disposed of dealerships representing $570 million of annualized revenue during 2026 YTD focusing on higher-return sto
Slide 6: U.S. Brand Diversification
U.S. Brand Diversification 25.6% 10.6% 10.1% 8.5% 8.4% 8.4% 7.5% 7.2% Maine (4) 2.6% New Hampshire (4) 2.3% 2.2% 2.0% NYC Metro (1) 1.7% Philadelphia Metro (1) Atlantic City (2) 18 Boston Metro 1.0% 0.3% Sacramento (2) 9 Oklahoma City 0.2% Kansas City (3) Other 1.5% 7 Dallas-Ft Worth Charlotte (1) S
Slide 7: U.K. Brand Diversification
U.K. Brand Diversification 22.1% 21.5% 14.0% 13.7% 10.0% 7.0% 3.4% 2.1% Lancashire (2) 5 Greater Manchester 2.2% 1.6% Merseyside (4) Derbyshire (4) Lincolnshire (1) 1.2% North Wales (1) Nottinghamshire (3) 0.8% 7 Norfolk Leicestershire (2) Other 0.5% 8 Cheshire Shropshire (1) 5 Cambridgeshire Bedfor
Slide 8: Household Size by Vehicles Available, U.S. Census
(1) 2024 American Community Survey, Household Size by Vehicles Available, United States Census 01 8
Slide 9: 1Q26 Business Diversification
1Q26 Business Diversification Gross Revenue Profit 4% 13% 25% 36% 46% 47% 10% 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 9
Slide 10: Service Telephone Effectiveness Study
(1) Based on the 2025 Pied Piper PSI Service Telephone Effectiveness Study 01 10
Slide 11: 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 12: 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 13: Focused, Experienced Management Team
Focused, Experienced Management Team Has a Proven Track Record of Exceptional Performance Pete DeLongchamps SVP, Financial Services and Manufacturer Relations Daryl Kenningham President, CEO and Director 35+ Years Industry Experience Gillian Hobson SVP, Chief Legal Officer and Corporate Secretary 35
Slide 14: 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 $6.6M $0.6B $0.1B $72.4M 2021 2022 2023 2024 2025 2026 YTD 2021 2022 2023 2024 2025 2026 YTD Buybacks Dividends 2026 figures reflect year-to-date activity through March 31, 2026, and are not directly comparable
Slide 15: Revenue, Adjusted EPS and Adjusted FCF
Revenue* ($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 $10.93 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 15
Slide 16: Additional Operational Data
Additional Operational Data
Slide 17: New Vehicle Overview
New Vehicle Overview Total New Vehicle U.S. New Market Size1 (MM) Revenues ($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 1Q26 GPI U.S. Same Store 2023 8,775 Retail Unit Sales: -9% YoY 2022 7,562 1Q26 U.S. New
Slide 18: Used Vehicle Revenues and Industry Comparison
Total Used Vehicle Revenues ($MM)* GPI vs. Used Vehicle Industry U.S. Market Share2 +13% 2019-2025 CAGR 1Q26 GPI U.S. Same Store Retail Unit Sales: -8% YoY 1Q26 U.S. Used Market Unit Sales3: -3% YoY Retail Wholesale 2025 7,802 32% 34% U.S. Used Market Size1 (MM) 2024 6,642 Annual Used Vehicle Units
Slide 19: Parts & Service and Service Retention by Model Year
79% 76% 75% 75% 74% 73% 71% 71% 69% 70% Consolidated P&S Service-to- 62% 65% Revenue (1) ($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 8%
Slide 20: Finance & Insurance Overview
Finance & Insurance Overview 1Q26 U.S. Same Store Adjusted F&I GP PRU: +4% YoY U.S. F&I Penetration & Gross Profit PRU U.S. F&I Gross Profit Per Retail Unit (PRU) 2019 2020 2021 2022 2023 2024 2025 1Q26 Finance 72% 73% 73% 70% 68% 70% 70% 72% $2,466 $2,535 * VSC 42% 44% 45% 45% 44% 44% 45% 44% $2,42
Slide 21: Adjusted Cash Flow, Leverage and Liquidity
Adjusted Operating Cash Flow* Rent Adjusted Leverage Ratio Adjusted Free Cash Flow* $53 million in capital 3.1x 3.1x expenditures in 1Q26 increased $20 million over $916 2.9x 1Q25 reflecting continued 2.7x 2.7x investment in owned real $803 $755 estate and facility $720 $699 modernization $683 $656
Slide 22: Debt Maturities
Debt Maturities in millions, excludes floorplan $1,115 $926 ~$2,239 million of floorplan debt ~$1,100 million of mortgage debt $385 ~$1,250 million of bond debt $319 ~$504 million of acquisition line debt $218 $190 ~$299 million of other debt including finance leases 2026 2027 2028 2029 2030 Thereaf
Slide 23: Dealership Property Breakdown by Region
Dealership Property Breakdown by Region (as of March 31, 2026) Region Owned Leased United States 119 24 United Kingdom 63 47 Total 182 71 Owned vs. Leased Property Trend 167 204 259 253 # Properties 37% 34% 31% 28% % Leased 63% 66% 69% 72% % Owned 2020 2022 2024 2026 23
Slide 24: Non-GAAP Reconciliations
Non-GAAP Reconciliations 2026 Financial Results
Slide 25: 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 26: Reconciliation: Adjusted Cash Flow (Non-GAAP)
Reconciliation: Adjusted Cash Flow (Non-GAAP) (Unaudited, $MM) 2019 2020 2021 2022 2023 2024 2025 1Q25 1Q26 Operating Cash Flow (GAAP) $371 $805 $1,260 $586 $190 $586 $694 $159 $92 Change in Floorplan notes payable - credit facilities and other, excluding (43) (314) (491) 320 505 133 7 (19) 49 floor
Slide 27: Reconciliation: Adjusted Continuing Ops Earnings Per Share
Reconciliation: Adjusted Continuing Ops Earnings Per Share (Non-GAAP) (Unaudited) 1Q25 1Q26 As Reported EPS from Continuing Ops $9.64 $10.82 After Tax Adjustments: Non-recurring F&I adjustment - 0.43 Non-cash gain on interest rate swaps - (0.05) Catastrophic Events - 0.04 (Gain) loss on real estate
Slide 28: Reconciliation: 1Q26 Adjusted F&I (Non-GAAP)
Reconciliation: 1Q26 Adjusted F&I (Non-GAAP) U.S. U.S. (Unaudited) Same Actual Store $MM F&I, net $172.6 $165.9 Non–recurring F&I 6.8 6.8 adjustment Adjusted F&I, net $179.4 $172.7 Per Retail Unit (PRU) F&I Gross PRU $2,439 $2,440 Non–recurring F&I 96 100 adjustment PRU Adjusted F&I Gross Profit $2,
Slide 29: 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