Auto1 Group Se · XETR:AG1
Auto1 — Q3 2025 Earnings Presentation
32 slides from Auto1's earnings presentation, Nov 5, 2025
Slide 1: Trading Update Q3 2025
Trading Update Q3 2025 5 November 2025
Slide 2: Disclaimer
Disclaimer IMPORTANT NOTICE For the purposes of this notice, “Presentation” means this document, its contents or any part of it. This Presentation does not, and is not intended to, constitute or form part of, and should not be construed as, an offer to sell, or a solicitation of an offer to purchase,
Slide 3: Highlights
[AUTOfJ|GROUP Highlights
Slide 4: Record Units and Gross Profit across Merchant and Retail
Highlights We Achieved Record Units and Gross Profit across Merchant and Retail, Reflecting Accelerating Growth Group Units Sold Group Gross Profit EUR Million Group Adj. EBITDA EUR Million K Units Group GPU EUR Group Adj. EBITDA Margin % 1,176 1,162 2.5 % 2.4 % 2.1 % 1.6 % 1,059 1,032 +24% 720 725 +51
Slide 5: Our Vertically Integrated Business Model Maximizes Value For Our Customers
Highlights Our Vertically Integrated Business Model Maximizes Value For Our Customers Lower Buying Higher Prices Lower Selling Processing Prices Cost Competitive Greater Financing Selection Rates Fast And Reliable Greater Delivery Convenience Increased Highly Trust Motivated Staff 5
Slide 6: Merchant Update
Merchant Update
Slide 7: Our Merchant Business Delivered its Best Ever Quarter
Merchant Update Our Merchant Business Delivered its Best Ever Quarter Merchant Units Sold Merchant Gross Profit (EUR Million) Merchant Gross Profit (EUR Million) K Units +22% Merchant GPU (EUR) Merchant GPU (EUR) YoY €972 €966 550 210 +22% 500 200 €914 550 €904 YoY 185 535 +31% +29% YoY 190 192 480 Yo
Slide 8: Our Active Merchant Base Has Reached Another New High
Merchant Update Our Active Merchant Base Has Reached Another New High Buying Merchants Average Basket on AUTO1.com # Purchased Cars # Unique Buyers, K Per Quarter 30 31.1 +22% 6.0 6.2 6.2 YoY 25 25.5 5.5 20 5.0 15 4.5 Q3 2024 Q3 2025 Q3 2024 Q3 2025 8
Slide 9: Rolling Out Merchant Financing to Two New Markets
Merchant Update We are Rolling Out Merchant Financing to Two New Markets to Strengthen Partnerships with Our Dealers Merchant # of Units Financed Merchant Financing Sales Financed +63% per Quarter Availability EUR million YoY K Units Germany, France, Spain, +65% Austria, the Netherlands, YoY Belgium
Slide 10: Our pan-European Sourcing Footprint Continues to Grow
Merchant Update Our pan-European Sourcing Footprint Continues to Grow Current Drop-off Network Number Newly Added Drop-Off Locations Existing Drop-Off Locations of Branches Q3 2024 486 Q3 2025 690 +42 Branches Added in Q3 2025 10
Slide 11: Retail Update
Retail Update
Slide 12: Autohero Accelerated Unit Sales and Delivered Record Gross Profit
Retail Update Autohero Again Accelerated Y-o-Y Unit Sales and Delivered Record Gross Profit Autohero Units Sold Retail Gross Profit (EUR Million) Retail Gross Profit (EUR Million) K Units Retail GPU (EUR) Retail GPU (EUR) +35% YoY €2,664 €2,594 +42% YoY €2,104 30 72 72.8 80 €2,263 +68% 225 +67% YoY YoY
Slide 13: Expanded In-house Refurbishment Capacity
Retail Update We Have Expanded Our In-house Refurbishment Capacity to Enable Continued Unit Growth Sweden Capacity: 4,500 Germany I Capacity: 35,000 The Netherlands I & II Capacity: 3,500 / 4,100 Poland Capacity: 18,000 Belgium Capacity: 18,500 Germany II Capacity: 27,000 France Capacity 25,000 Aust
Slide 14: Expanding Our Fulfillment Network
Retail Update We are Constantly Expanding Our Fulfillment Network to Further Advance Customer Experience Pick-up Locations Average Delivery Time Days Express pick-up 20% Cars are available within 72h Faster Standard pick-up 11.9 YoY 9.5 Q3 2024 Q3 2025 Average delivery time refers to the duration bet
Slide 15: Our Long Term Goals
Our Long Term Goals [AUTOfJ|GROUP
Slide 16: Progressing Towards Long Term Market Share and Margin Targets
Our Long Term Goals We Are Progressing Towards Our Long Term Market Share and Margin Targets 219 220K Group Adj. EBITDA EUR Million Group Adj. EBITDA Margin % 5-9 % 200K 180K 160K 10 % L-T AUTO1 Adj. EBITDA Margin Target 140K Market Share Target 120K 3.0 % 100K 2.4 % 80K 2.2 % 2.5 % 2.1 % 100 60K AU
Slide 17: Q3 2025 Financial Figures And FY 2025 Guidance
Q3 2025 Financial Figures And FY 2025 Guidance 17
Slide 18: Q3 & 9M 2025 Financial Figures
Financials Q3 & 9M 2025 Financial Figures Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q3 YoY 9M 2024 9M 2025 9M YoY Units Sold 176,632 183,083 204,046 200,498 218,617 23.8% 506,690 623,161 23.0% Revenue (€m) 1,599.4 1,699.9 1,942.9 1,970.6 2,124.8 32.8% 4,572.0 6,038.3 32.1% Average Selling Price (€) 9,
Slide 19: Strong Operating Leverage, Enabling Further Retail Brand Investment
Financials Q3 Demonstrates Strong Operating Leverage, Enabling Further Retail Brand Investment EUR Million +6.7 +19.8 -7.6 -1.6 -2.2 -5.6 51.9 42.3 0 Adj. EBITDA Gross Profit Gross Profit Marketing Internal Employee Adj. EBITDA Other Q2 2025 Unit Uplift GPU Uplift Costs Logistics Cost pre SDI Q3 2025
Slide 20: We Maintain a Strong Balance Sheet
Financials We Maintain a Strong Balance Sheet Total Cash No Corporate Inventory Financed Captive Finance Financed through our through our EUR Million Debt EUR Million Inventory Assets Captive Finance ABS Facility EUR Million ABS Facilities 786 900 630 710 628 879 284 700 264 Merchant Loans 822 Merch
Slide 21: FinanceHero2 Opens Up More Flexible Refinancing
Financials FinanceHero2 Opens Up More Flexible Refinancing by Uniquely Including Multiple Country Markets Class Rating Size Spread ● Strong external validation of DBRS (sf) / S&P (sf) €mm our consumer finance portfolio A AAA / AAA 176.7 64 bps performance B AA / AA- 20.0 85 bps C A (high) / A 15.0 130
Slide 22: Upgraded 2025 Guidance
2025 Guidance Upgraded 2025 Guidance Unit Guidance Financial Guidance Units 811-845k Group Up from: 772-817k Gross Profit EUR 940-975m Up from: EUR 890-940m Units 715-745k Merchant Up from: 680-720k Adj. EBITDA EUR 180-195m Units 96-100k Up from: EUR 160-190m Autohero Up from: 92-97k 22
Slide 23: Appendix
Appendix [AUTOfJ|GROUP 23
Slide 24: Outstanding Growth Trajectory Since Foundation
Long Term Growth Dynamics Outstanding Growth Trajectory Since Foundation Group Units Sold Gross Profit 38% + YoY K Units 24% + EUR Million YoY 258 219 220 240 200 220 177 180 200 187 160 180 140 160 120 140 100 120 80 100 60 80 40 60 20 40 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Q3 Q3 2014
Slide 25: 90% Of All Cars AI-Priced
AUTO1 Sourcing Advantages Our C2B Products Generate Superior Value For Our Selling Customers Our Brand Promises Brand Recognition by country Brand Trustpilot ● Hassle-free and fast online car appraisal Awareness Score ● Optimal prices based on Pan-European DE 65% 4.4 demand aggregation FR 56% 4.3 ●
Slide 26: AUTO1.com is the Most Compelling Sourcing Channel for Our Partners
Merchant AUTO1.com is the Most Compelling Sourcing Channel for Our Partners THE #1 PLATFORM FOR DEALERS ● >30,000 Cars in Stock ● Dedicated sales support ● Cars Immediately Available ● AI-based Recommendation Tools ● 24/7 Purchasing Experience ● Uniform quality standards ● Premium Return Right Super
Slide 27: Autohero Strengthens Its Footprint Across Europe
Retail Autohero Strengthens Its Footprint Across Europe By Offering An Outstanding Product To Customers A TRUSTED BRAND ● Highest Transparency Standards ● Large Multi Brand Selection of backed by In-house Refurbishment ● Standard 1 Year Warranty Immediately Available Inventory ● Return Guarantee (>16
Slide 28: Our Flywheel Is In Full Effect
Our Flywheel Our Flywheel Is In Full Effect And Continues To Drive Future Growth Larger AUTO1 Selectio Financing n MORE MORE SELLERS BUYERS Transaction Matchmaking AI Pricing Data Technology More Higher Branches Purchase Prices 28
Slide 29: Segment: Merchant (AUTO1.com)
Merchant: Financials Segment: Merchant (AUTO1.com) Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q3 YoY Q3 QoQ 9M 2024 9M 2025 9M YoY Units Sold 157,582 162,530 182,062 176,674 191,632 21.6% 8.5% 452,805 550,368 21.5% Revenue (€m) 1,284.2 1,347.5 1,560.5 1,555.2 1,656.6 29.0% 6.5% 3,690.4 4,772.4 29.3% Av
Slide 30: Segment: Retail (Autohero)
Retail: Financials Segment: Retail (Autohero) Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q3 YoY Q3 QoQ 9M 2024 9M 2025 9M YoY Units Sold 19,050 20,553 21,984 23,824 26,985 41.7% 13.3% 53,885 72,793 35.1% Revenue (€m) 315.2 352.5 382.4 415.3 468.2 48.6% 12.7% 881.6 1,266.0 43.6% Average Selling Price (€
Slide 31: Captive Finance Non-Recourse Funding
Captive Finance Captive Finance Non-Recourse Funding Dutch Foundation Junior Notes / Senior + Risk Retention 100% Mezzanine Notes AUTO1 Group External Lenders Financing SPVs Servicing Fees + Fixed Interest + Excess Interests + Repayment ● Banks Final Collections ● Autohero Funding ● AUTO1 Car Fundin
Slide 32: Investor Relations Contact
Contacts Investor Relations Contact Address Philip Reicherstorfer Bergmannstr. 72 Group Treasurer 10961 Berlin Tel. +49 170 556 9259 Maria Shevtsova E-Mail Head of Investor Relations ir@auto1-group.com 32