Slide 1: Investor Presentation Q4 2025
GROUP | Investor Presentation Q4 2025
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 January 28, 2026 3
Slide 4: Consolidated Revenues and Same Store Revenues
Consolidated Revenues Same Store Revenues $5,546 1% $5,580 $5,393 0% $5,387 $680 3% $700 $652 4% $679 $226 2% $230 $220 1% $224 $1,653 5% $1,739 Parts & Service $1,600 5% $1,674 Finance & Insurance $2,798 $2,858 (3)% $2,767 Used Vehicle Retail $2,672 (5)% New Vehicle Retail 4Q24 4Q25 4Q24 4Q25 4
Slide 5: Gross profit by business line, 2024 vs 2025
YoY Change 11.8% Increased in 2025 by 11.8% and 4.1% on an actual and same store basis, respectively, compared to 2024 YoY Change 15.9% $3,622M $3,241M YoY Change YoY Change 12.8`% 5.2% $1,586M YoY Change $1,368M 6.0% $935M $829M $718M $755M $326M $346M New Vehicle Gross Used Vehicle Gross Finance &
Slide 6: Portfolio optimization and U.K. cost actions
Portfolio optimization of smaller, less In the U.K. we are continuously profitable stores - $775 million in taking decisive actions to control revenue disposed during 2025 costs, including workforce realignment and strategic closing of certain facilities 6
Slide 7: Actions to control costs and strengthen operational efficiency
We are continuously taking decisive actions to control costs, strengthen operational efficiency and position the business for improved returns as market conditions stabilize . 7
Slide 8: U.S. Brand Diversification
U.S. Brand Diversification 25.2% 11.5% 9.6% 8.4% 8.2% 7.9% 7.2% 6.7% 2.9% Maine (4) 2.7% New Hampshire (4) 2.7% 2.0% NYC Metro (1) 1.9% 1.0% 18 Boston Metro Philadelphia Metro (1) Atlantic City (2) 0.3% Sacramento (2) 9 Oklahoma City 0.3% Kansas City (3) Other 1.6% 7 Dallas-Ft Worth Charlotte (1) Sa
Slide 9: U.K. Brand Diversification
U.K. Brand Diversification 23.6% 23.0% 14.7% 12.1% 7.7% 6.7% 3.5% 2.2% Lancashire (2) 5 Greater Manchester 2.0% 2.1% Merseyside (4) Derbyshire (4) Lincolnshire (1) 1.2% North Wales (1) Nottinghamshire (3) 1.2% 7 Norfolk Leicestershire (2) Other 0.3% 8 Cheshire Shropshire (1) 5 Cambridgeshire Bedford
Slide 10: Household vehicles available, U.S. Census
(1) 2024 American Community Survey, Household Size by Vehicles Available, United States Census 01 10
Slide 11: 4Q25 Business Diversification
4Q25 Business Diversification Gross Revenue Profit 4% 13% 26% 34% 45% 49% 8% 21% 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 11
Slide 12: Service telephone effectiveness study
(1) Based on the 2025 Pied Piper PSI Service Telephone Effectiveness Study 01 12
Slide 13: 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 14: 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 15: Buybacks and Dividends
$25.6M $23.7M $3.9B $555M $521M $23.9M $2.5B $25.2M $25.2M $211M $1.1B $173M $162M $0.9B $0.6B 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Buybacks Dividends • *As of January 28, 2026 • ** Excludes Brazil disposition 01 15
Slide 16: Revenue, Adjusted EPS, Adjusted FCF
Revenue* ($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 $10.93 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 16
Slide 17: Additional Operational Data
Additional Operational Data
Slide 18: New Vehicle Overview
New Vehicle Overview Total New Vehicle U.S. New Market Size1 (MM) Revenues ($MM)* Annual New Vehicle Units +10% 2019-2025 CAGR 17 18 17 17 17 16 16 16 15 15 2025 10,990 14 GPI on Target with New Vehicle Industry 2024 9,972 4Q25 GPI U.S. Same Store 2023 8,775 Retail Unit Sales: -4% YoY 2022 7,562 4Q2
Slide 19: Used Vehicle Revenues and Market Share
Total Used Vehicle Revenues ($MM)* GPI on Target with Used Vehicle Industry U.S. Market Share2 +13% 2019-2025 CAGR 4Q25 GPI U.S. Same Store Retail Unit Sales: -2% YoY 4Q25 U.S. Used Market Unit Sales3: -2% YoY Retail Wholesale 2025 7,802 32% 34% U.S. Used Market Size1 (MM) 2024 6,642 Annual Used Veh
Slide 20: Parts & Service Revenue and Service Retention
78% 77% 75% 75% 74% 73% 72% 71% Service-to- 69% 69% Consolidated P&S 67% 63% Revenue (1) ($MM) Service Retention by Model Year* +11% 2019-2024 CAGR 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 10+ Yrs Average 2025 $2,845 *Represents vehicles having 2 service visits in 12 months. 2024 $2,491 8%
Slide 21: Finance & Insurance Overview
Finance & Insurance Overview 4Q25 U.S. Same Store F&I GP PRU: +3% 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 $2,466 $2,428 $2,338 $2,368 Finance 72% 73% 73% 70% 68% 70% 70% $2,155 VSC 42% 44% 45% 45% 44% 44% 45% $1,951 M
Slide 22: Adjusted Cash Flow, Leverage and Liquidity
Adjusted Operating Cash Flow* Rent Adjusted Leverage Ratio Adjusted Free Cash Flow* $205 million in 3.1x capital expenditures 2.9x in 2025 $916 2.8x 2.7x 2.7x $803 $755 $720 $699 $656 $683 4Q24 1Q25 2Q25 3Q25 4Q25 $555 million in $581 share buybacks in $504 2025 representing $504 $494 Total Liquidit
Slide 23: Debt Maturities
Debt Maturities in millions, excludes floorplan $1,576 ~$1,915 million of floorplan debt $926 ~$1,151 million of mortgage debt ~$1,250 million of bond debt $388 ~$964 million of acquisition line debt $260 $318 $244 ~$348 million of other debt including finance leases 2026 2027 2028 2029 2030 Thereaf
Slide 24: Dealership Property Breakdown by Region
Dealership Property Breakdown by Region (as of December 31, 2025) Region Owned Leased United States 118 27 United Kingdom 63 46 Total 181 73 Owned vs. Leased Property Trend 169 202 199 254 # Properties 38% 36% 33% 29% % Leased 62% 64% 67% 71% % Owned 2019 2021 2023 2025 24
Slide 25: Non-GAAP Reconciliations
Non-GAAP Reconciliations 2025 Financial Results
Slide 26: 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 27: Reconciliation: Adjusted Cash Flow (Non-GAAP)
Reconciliation: Adjusted Cash Flow (Non-GAAP) (Unaudited, $MM) 2019 2020 2021 2022 2023 2024 2025 Operating Cash Flow (GAAP) $371 $805 $1,260 $586 $190 $586 $694 Change in Floorplan notes payable - credit facilities and other, excluding floorplan offset (43) (314) (491) 320 505 133 7 account and net
Slide 28: Reconciliation: Adjusted Continuing Ops EPS (Non-GAAP)
Reconciliation: Adjusted Continuing Ops Earnings Per Share (Non-GAAP) (Unaudited) 4Q25 FY 2025 As Reported EPS from Continuing Ops $3.47 $25.13 After Tax Adjustments: Asset impairments and accelerated depreciation 4.83 13.53 (Gain) loss on real estate and dealership transactions (0.47) (0.94) Catast
Slide 29: Reconciliation: Adjusted Total EPS (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