Canadian Tire Corporation, Limited · TSX:CTC
Canadian Tire — Investor Presentation (February 2026)
52 slides from Canadian Tire's investor presentation, February 2026
Slide 1: Investor Factbook Presentation
CANADIAN TIRE CORPORATION Investor Factbook Presentation February 2026
Slide 2: Caution Regarding Forward-Looking Information
Caution Regarding Forward-Looking Information This document contains information that may constitute forward-looking information within the meaning of applicable securities laws, which reflect management's current expectations regarding future events and the Company's True North strategy. All statem
Slide 3: Contents
Contents Company Overview Retail Segment Financial Snapshot Canadian Tire Corporation Overview Competitive Advantages for Retail Track Record of Financial Performance CTFS Resilience True North Strategy Store Investment Priorities Levers to Protect and Grow Disciplined Capital Stewardship Reasons to
Slide 4: Company Overview
Company Overview AN \ ~ _ TRUE NORTH
Slide 5: Canadian Tire Corporation (CTC)
Canadian Tire Corporation (CTC) A resilient, iconic and trusted omni-channel retailer with scale and room to grow through stronger customer engagement True North strategy and investment roadmap designed to generate leading shareholder value above the company’s historical levels Committed to enhanced
Slide 6: Retail Segment Financial Snapshot
Retail Segment Financial Snapshot
Slide 7: Retail Resilience through Business Cycles
Retail Resilience through Business Cycles NORMALIZED RETAIL REVENUE EXCLUDING PETROLEUM1,4,5 NORMALIZED RETAIL GROSS MARGIN EX-PETROLEUM1,4 ,5 $14.1B $4.8B $5.0B $13.3B $13.0B $4.6B $4.5B (1) This is a Supplementary $12.3B $11.9B $12.8B $3.9B $4.2B $4.2B Financial Measure. For $11.3B further informa
Slide 8: Steady Growth in Retail Sales Led by Canadian Tire Retail (CTR)
Steady Growth in Retail Sales Led by Canadian Tire Retail (CTR) Retail Sales1 by banners C$ in millions, 2016-2025 $20,000 CAGR $15,000 +3.8% $10,000 $5,000 +1.0% $0 +3.7% FY FY FY FY FY FY FY FY FY FY 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Mark's Sportchek Canadian Tire Retail (1) This i
Slide 9: Canadian Tire Corporation Overview
Canadian Tire Corporation Overview 9
Slide 10: CTR's Proven and Unique Multi-Category Assortment
CTR’s Proven and Unique Multi-Category Assortment Divisional Sales1 Percentage2 6 Year Sales CAGR Margin Essential (2025) (‘19-’25)3 Profile Mix • Auto Parts & Maintenance • Auto Fluids & Batteries Automotive 27% +5% Highest Highest • Tires margin rate mix • Auto Care & Accessories • Kitchen Lowest
Slide 11: Canadian Tire: Strong Market Share in a Fragmented Market
Canadian Tire: Strong Market Share in a Fragmented Market KEY HIGHLIGHTS Canadian Tire • The Canadian retail landscape is highly fragmented. Given the wide assortment of categories we compete in, our 15% market share1 and our competitors vary by category and banner. Small chains and • No single comp
Slide 12: Mark's Snapshot
Mark’s Snapshot Business Overview FY 2025 Sales Category Mix Industrial and Casual Wear Brands • Leading market player in industrial footwear and apparel in Canada, recognized for innovation in developing technologically advanced apparel and footwear • Significant presence across Canada with 386 sto
Slide 13: SportChek Snapshot
SportChek Snapshot Athletic and Casual Footwear and Business Overview FY 2025 Sales Category Mix Apparel Brands • Leading market player in athletic footwear, apparel and sports equipment • Significant presence across Canada with 354 stores totalling 7.1M retail sq. ft1 under corporate (SportChek) an
Slide 14: CTC Banner Strengths: What Canadians Need for Life in Canada
CTC Banner Strengths: What Canadians Need for Life in Canada • Adult bicycles • Christmas lights • Hydration & coolers • Outdoor cooking fuels • Sports equipment & • Air & welding tools & • Christmas trees • Ice fishing • Outdoor cooking maintenance accessories accessories • Curb appeal • Ice melter
Slide 15: Competitive Advantages for Retail
Competitive Advantages for Retail
Slide 16: Competitive Advantages to Sustain Retail Business Performance
Competitive Advantages to Sustain Retail Business Performance Iconic and trusted brand with World-class marketing and customer unparalleled positioning, deep local analytics and rich first party dataset provide knowledge and understanding of the privileged capabilities which enable unique Canadian c
Slide 17: An Iconic, Trusted Retailer With Unparalleled Positioning
An Iconic, Trusted Retailer With Unparalleled Positioning #1 Recognized as a trusted Canadian brand 1,400+ Retail locations accounting for over 35 million square feet of retail, with CTR locations near most Canadians 100+ Years of growing with our communities as the Canadian 500+ Canadian Tire Assoc
Slide 18: ESG Priorities Informed by Materiality
ESG Priorities Informed by Materiality and in Support of Our Brand Purpose: We are Here to Make Life in Canada Better People and Supporting equal access to sport Climate Reporting and managing GHG Community through Jumpstart, with over 4 emissions1 since 2021; focused on million kids helped across o
Slide 19: Leveraging A Leading Data Set For Enhanced Customer Engagement
Leveraging A Leading Data Set For Enhanced Customer Engagement Since its launch in 2018, the number of active Triangle Rewards loyalty 12.2M members has grown from 10.0 million to 12.2 million1 by 2025, with 9.8 million2 being active registered members. One of the top retail loyalty 2.3M Accessing b
Slide 20: Continuing to Evolve our World-Class Marketing Capabilities
Continuing to Evolve our World-Class Marketing Capabilities and Leverage Triangle Data 2021 2012 Evolution of the Flyer to Digital 2026+ Although traditional paper flyer distribution reached its peak at 11 million in 2012, flyer marketing continues to be a significant tool with strong returns on mar
Slide 21: Building off a strong foundation: digital visits
Building off a strong foundation Digital visits at CTC vs. CTC digital visits growth Canadian retail competitors CTC is the 2 CTC annual visits 2 nd +55% most visited online retailer across Canada1 2019 2025 Source: SimilarWeb 21
Slide 22: Owned Brands Driving 5% Sales Growth and a Strong Margin Contributor
Owned Brands Driving 5% Sales Growth and a Strong Margin Contributor KEY HIGHLIGHTS Owned Brands Retail sales (billions of CAD) and penetration rate1,2 • From 2016 to 2025, 7.0 +5% CAGR Owned Brands retail 44.0% sales have grown at an 6.0 $5.7 42.0% impressive 5% CAGR, 5.0 highlighting the 40.0% 4.0
Slide 23: Control of Supply Chain Enabling Efficient and Cost-Effective Product Flow
Control of Supply Chain Enabling Efficient and Cost-Effective Product Flow Centralized supply chain capability across 14 distribution centres and more than 10M sq ft servicing all Canadian Tire banners allows for: • Economies of scale associated with rail and truck freight shipping as the largest si
Slide 24: Track Record of Financial Performance
Track Record of Financial Performance 24
Slide 25: Retail Business Resiliency and Recovery Through Economic Cycles
Retail Business Resiliency and Recovery Through Economic Cycles CTC Retail Sales versus Canada Nominal GDP ($)1 Base year indexed to 2008 KEY HIGHLIGHT ‘08-09 ’10-12 ’20-21 Recession recovery COVID years Since 2011, CTC Retail Sales have generally trended with Canada’s Nominal GDP 2008 2009 2010 201
Slide 26: Proven Track Record of Retail Sales and Earnings Growth
Proven Track Record of Retail Sales and Earnings Growth Long-term Performance Track Record (C$ in millions, except per share amounts) KEY HIGHLIGHTS +3.1% CAGR 3% Retail sales CAGR over the ten-year period from $19.0 2016 –2025 $14.4 5% Normalized diluted EPS1,2,3 CAGR over the ten-year $9.22 $10.67
Slide 27: Diversified Asset Mix In Support of Retail Business Growth
Diversified Asset Mix In Support of Retail Business Growth A highly profitable Financial Services business A closed-end publicly-listed REIT (CRT.UN) formed in 2013 focused with $7.8B book of receivables at the end of 2025 on triple-net leasing to commercial tenants with more than 31M sq and multipl
Slide 28: CTFS Resilience
CTFS Resilience
Slide 29: CTFS: Monoline Credit Card Business Specialized in Credit Risk Management
CTFS: Monoline Credit Card Business Specialized in Credit Risk Management Unique Business Focus • Close to 60 years of small unsecured lending to Canadians with specialized expertise in credit risk and collection practices • CTFS cardholders have historically earned ~75% of all eCTM issued annually
Slide 30: Financial Services Business Performance Through Economic Cycles
Financial Services Business Performance Through Economic Cycles Gross Average Accounts Receivable (GAAR)1 vs. Canada Nominal GDP2 ($) KEY HIGHLIGHT Base year indexed to 2008 ‘08-09 ’10-12 ’15-16 ’20-21 Financial Services GAAR Recession recovery Alberta downturn COVID years has generally trended in l
Slide 31: True North
TRUE NORTH TRUE NORTH
Slide 32: True North investments driving accelerated value creation
• Investments under CTC’s True North strategy to enable a stronger go-to-market and a new operating model that allows CTC to get better scale benefits • Capital investments in omnichannel customer experience, like the continued modernization of Canadian Tire stores and increased investments in Mark’
Slide 33: Drivers of Long-Term Retail Growth
Drivers of Long-Term Retail Growth Increased loyalty Enhanced Market share Expanded total Increased owned sales omnichannel gains addressable market brands mix experience 33
Slide 34: Leveraging CTC's Primary Customer Engagement Levers
Leveraging CTC’s 5 Primary Customer Engagement Levers 1 2 3 4 5 More category Cross-banner Digital Credit card Multi-channel participation shopping communications membership transacting — participation in-store & online 34
Slide 35: Expected outcomes
Expected outcomes Increased value and better experience for customers 1 reinforcing brand trust Better retail growth, driven by dozens of initiatives 2 and leveraging loyalty sales, partnerships and expansion of CTC's addressable market 3 Streamlined operating model, increasing agility and operating
Slide 36: Store Investment Priorities
Store Investment Priorities
Slide 37: Investing in Capital Across Key Initiatives in 2025
Investing in Capital Across Key Initiatives in 2025 Driving a better omnichannel customer experience Fulfilment and system modernization ~$177M ~$143B ~$183M Investment Triangle Accelerating Strengthen Continued in store personalization digital supply chain modernization network and improved transfo
Slide 38: Canadian Tire Store Investment Priorities
Canadian Tire Store Investment Priorities • Modernized store design focused on the customer experience • In-store technology (Customer Facing Devices, Electronic Shelf Labels, and Scan & Buy) • Increased focus on in-store display & brand presentation • Enhanced omni-channel strategy & customer logis
Slide 39: Continuing Rollout of CTC Store Enhancement Projects Nationwide
Proudly Canadian: Continuing Rollout of CTC Store Enhancement Projects Nationwide* 1.2M or 4% Total square Northwest footage increase Territories (1) since the end of 2021 British Columbia (17) Alberta Saskatchewan (21) (8) Manitoba Ontario (4) Quebec P.E.I (68) (2) (42) New Nova Scotia Brunswick (4
Slide 40: New Investible Store Concepts Completed at CTR, SportChek, & Mark's
New Investible Store Concepts Completed at CTR, SportChek, & Mark’s* Ontario Quebec Alberta Saskatchewan British Columbia Manitoba New Brunswick 28 • Ottawa • Toronto • Mont-Tremblant • Lloydminster • Sherbrooke • Moose Jaw • Chilliwack • Kelowna Relocations Concept • Kitchener Connect (10) • Kingst
Slide 41: Levers to Protect and Grow
Levers to Protect and Grow 41
Slide 42: Data-Driven Customer Engagement in the Triangle Ecosystem
Data-Driven Customer Engagement in the Triangle Ecosystem Reinforces Brand Connection and Drives Long-Term Sales 1) Strong, trusted and relevant banners: 1 5) Richer data: Brand and customer experience initiatives aim to enhance emotional connections with our Registered members account for 80% of ba
Slide 43: Building on Strengths and Opportunities to Grow CTR Priority Categories
Building on Strengths and Opportunities to Grow CTR Priority Categories Automotive Living Fixing Playing Seasonal & Gardening Industry Sales $13B1 Industry Sales $22B1 Industry Sales $11B1 Industry Sales $5B1 Industry Sales $16B1 Team Sports & Car Care & Golf Exercise Toys & Games Gardening Tires Ac
Slide 44: Retail Gross Margin Levers
Retail Gross Margin Levers Product costs Retail Gross Margin Supply chain costs Excluding Petroleum1 Owned brands mix 2 CTC continues to ~35.2% Pricing & balance headwinds and in 2024, excluding promotional tailwinds to the sale of Helly intensity and efficiency maintain its gross Hansen margin (1)
Slide 45: Disciplined Capital Stewardship
Disciplined Capital Stewardship 45
Slide 46: Longer Term Balanced Capital Allocation Approach
Longer Term Balanced Capital Allocation Approach Organic investments in the business • Between 2022 and 2025, the Company modernized core retail foundational elements of its business investing $2.3 billion Dividend growth • Member of the S&P/TSX Dividend Aristocrats Index • More than $2.7B dividends
Slide 47: Track Record of Consistent Dividend Increases and Share Buybacks
Track Record of Consistent Dividend Increases and Share Buybacks 20.0000 Cash dividends declared per share 15.0000 KEY HIGHLIGHTS 13% CAGR 10.0000 $7.13 13% 5.0000 CAGR growth in $2.38 dividends per share; in 0.0000 November 2025, the 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 dividend was in
Slide 48: Delivering Attractive Total Shareholder Returns for Over Two Decades
Delivering Attractive Total Shareholder Returns for Over Two Decades Relative Total Returns Performance Indexed to December 31, 2003 S&P/TSX Capped 629% Consumer Discretionary 619% CTC.A 619% S&P/TSX Composite Dec-2003 Dec-2004 Dec-2005 Dec-2006 Dec-2007 Dec-2008 Dec-2009 Dec-2010 Dec-2011 Dec-2012
Slide 49: Balance Sheet Reflects Diversified Asset Mix and Low Retail Leverage
Balance Sheet Reflects Diversified Asset Mix and Low Retail Leverage Net Debt $7.4B 2 $0.7 Retail segment has low business leverage BBB A-2/P-2 Investment grade rating Investment grade rating on medium-term notes on U.S. commercial paper from DBRS and S&P from S&P and Moody’s 2.6x 8.0x Retail & CT R
Slide 50: Reasons to Invest in CTC
Reasons to Invest in CTC 50
Slide 51: Canadian Tire Corporation (CTC)
Canadian Tire Corporation (CTC) A resilient, iconic and trusted omni-channel retailer with scale and room to grow through stronger customer engagement True North strategy and investment roadmap designed to generate leading shareholder value above the company’s historical levels Committed to enhanced
Slide 52: Contact Investor Relations
Proudly Canadian since 1922 Contact Investor Relations Email: investor.relations@cantire.com
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