Investor Presentation October 28, 2025
Group 1 Automotive 2025
3Q25 Summary
Financial Results:
+ Record quarterly total revenues of €5.8B, increased 10.8% YoY driven by quarterly records in used vehicle, parts and service and F&I revenues.
+ Record quarterly parts and service revenues and gross profit increased 11.2% and 11.1%, respectively, YoY, driven by continued momentum in customer pay and warranty work.
+ The U.S. delivered all-time quarterly F&I gross per retail unit highs of €2,488 on an as reported basis and €2,506 per retail unit on a same store basis.
+ The JLR cyberattack severely impacted their operations with limited vehicle deliveries and affected parts supply to our dealerships. We estimate an approximate impact of £3M to our profitability during the quarter.
+ 3Q25 results included €124M of goodwill, franchise rights and fixed assets non-cash impairment charges attributable to the U.K. reporting unit.
+ 3Q25 diluted EPS from continuing ops was €1.02, and adjusted diluted EPS
from continuing ops was €10.45*.
Strategic Highlights:
+ U.K. Portfolio: We have made the decision to sell or relinquish our JLR franchises and are selectively closing a small number of other franchises.
+ U.K. Restructuring: Additional cost saving activities will continue through 2026.
+ Share Repurchases: During 2025 we repurchased 0.7 million shares at an average price of €426.81 for €311 million**.
($MM)
Total Company Revenues
11%
$5,783
$5,221
11%
13%
12%
9%
3Q24
3Q25
$2,568
$1,656
$214
$660
$2,807
$1,852
$241
$734
3Q25
3Q24
$2,645
$2,512
5%
$1,708
6%
$1,604
$691
$231
7%
10%
$5,088
$644
$209
$5,409
6%
Same Store Revenues
*See Appendix for Non-GAAP Reconciliations
**As of October 28, 2025
We are a Fortune 500 company, ranked
Strong Earnings & Significant Cash Flow Generation | Portfolio Optimization | Parts & Service Growth | Building Local Scale | Full Rooftop Potential | |
+ Continued strong EPS: 29% CAGR over 2019 - 2024 + Adjusted free cash flows of $504 million in FY 2024 and $352 million in 3Q25 YTD(1) | + Balanced M&A, share repurchases and dividends + $9.1 billion in acquired revenues since the beginning of 2021 + Strategic disposition of smaller, less profitable stores + Flexibility to engage in M&A due to low rent-adjusted leverage of 2.9x, as of September 30, 2025 + 6.1 million shares repurchased since the beginning of 2021 representing 34% of our share count | + Outperformance of the peer group's average same store growth rate over several of the past years + Numerous innovations have driven this consistent outperformance: 4-Day work week is differentiator when recruiting; U.S. same store service tech headcount increased 4% versus September 2024 AI appointment setting has driven a ~40% penetration in online appointment making + | + Provides a competitive advantage through more focused market representation and improved customer experience + Leverages marketing efforts to drive business within market / dealership clusters + Offers a unique value proposition by giving customers various GP1 options within a cluster + Centralized used vehicle inventory, reconditioning and positioning, reducing costs and increasing throughput | + Optimizing operations at each rooftop + Standardization of key common processes and shared business resources structurally lowers operating costs + Scale amplifies the impact of operational excellence, allowing us to unlock additional value |
(1) See appendix in this presentation for the reconciliation of Non-GAAP measures
(2) Based on the 2025 Pied Piper PSI Service Telephone Effectiveness Study
Portfolio Optimization2019-20
2021
2022
2023
2024
2025 YTD*
Acquisitions: | Acquisitions: | Acquisitions: | Acquisitions: | Acquisitions: | Acquisitions: |
$0.4B | $2.5B | $0.9B | $1.1B | $3.9B | $0.6B |
(15 franchises) | (58 franchises) | (11 franchises) | (9 franchises) | (84 franchises) | (11 franchises) |
Dispositions: | Dispositions: | Dispositions: | Dispositions: | Dispositions: | Dispositions: |
$300M | $155M | $265M(1) | $420M | $450M | $470M |
Capex: | Capex: | Capex: | Capex: | Capex: | Capex: |
$172M | $100M | $113M | $139M | $179M | $148M |
$1.69 | $1.33 | $1.50 | $1.80 | $1.88 | $1.50 |
Share Reduction: | Share Reduction: | Share Reduction: | Share Reduction: | Share Reduction: | Share Reduction: |
≈ 5% | ≈ 6% | ≈ 18% | ≈ 5% | ≈ 4% | ≈ 5% |
Shares Repurchased: | Shares Repurchased: | Shares Repurchased: | Shares Repurchased: | Shares Repurchased: | Shares Repurchased: |
0.9M shares at avg. | 1.1M shares at avg. | 3.0M shares at avg. | 0.7M shares at avg. | 0.5M shares at avg. | 0.7M shares at avg. |
price of $92.98 for | price of $190.82 for | price of $172.54 | price of $236.78 for | price of $311.67 for | price of $426.81 for |
total of $82M | total of $211M | for total of $521M | total of $173M | total of $162M | total of $311M |
Cash paid per share
Buybacks(1) Excludes Brazil disposition
*As of October 28, 2025
Four Luxury dealerships with expected annual revenues of
$540 million
+ Portfolio Optimization: Following recent disposals of smaller, lower volume dealerships, these acquisitions include higher throughput.
+ Highly desirable brands: Acquisitions
include 1 Lexus, 2 Mer.cedes-Benz, and 1
Acura dealership.
+ Choice locations: Complementing our existing footprint in the Atlanta, Georgia, Fort Myers, Florida and Austin, Texas areas.
+ Integration of new acquisitions: The dealership operations were successfully integrated creating incremental value for
our shareholders.
2025 U.S. Acquisitions Business Diversification
Parts & Service business provides stability in economic cycles
Parts & Service
is the heart of Group 1's
business model and generates
>40%
of total gross profit
3Q25
Fixed Absorption
>100%
20%
10%
44%
26%
48%
35%
13%
4%
Finance & Insurance Parts & Service Used Vehicles
New Vehicles
Revenue Gross Profit
+ Parts & Service is a hedge to economic cycles. Historically declined around mid-single digits during a recession, which provides stability to help offset the cyclical nature of new vehicle sales.
May not add to 100% due to rounding; based on 3Q25 results
Fixed absorption calculation: parts & service gross profit divided by total company fixed costs plus parts & service selling expenses
Diversified Geographic FootprintUnited Kingdom
Total U.S. & U.K.*
259 Dealerships
324 Franchises
35 Collision Centers
36 Brands
United States 17 States
146 Dealerships
71% of New Vehicle Unit Sales*
Maine (4)
England & Wales
113 Dealerships
29% of New Vehicle Unit Sales*
Lancashire (2)
Merseyside (4)
Greater Manchester (6)
Derbyshire (4) Lincolnshire (1)
Cheshire (8)
North Wales (1)
Nottinghamshire (3)
Leicestershire (2)
Shropshire (1)
Norfolk (7)
Warwickshire (2)
Cambridgeshire (5)
Bedfordshire (1)
Suffolk (4)
Gloucestershire (1)
Hertfordshire (12)
Essex (10)
Oxfordshire (1)
Berkshire (4) Greater London (7)
Wiltshire (2) Surrey (6)
Hampshire (5)
Devon (1)
Dorset (2)
West Sussex (1)
New Hampshire (4)
Boston Metro (18)
NYC Metro (1)
Philadelphia Metro (1)
Sacramento (2)
Kansas City (3)
Washington DC Metro (7)
Atlantic City (2)
Los Angeles (5)
Santa Fe (3)
Amarillo (1)
Tulsa (4)
Charlotte (1)
Augusta (1) Columbia (1)
Albuquerque (4)
Lubbock (6)
Dallas-Ft Worth (8)
Oklahoma City (9)
Shreveport (2)
Atlanta (3)
Columbus (4)
Mobile (1)
Hilton Head (3)
El Paso (6)
Austin (8)
San Antonio (4)
Houston (19)
Pensacola/Panama City (3)
Gulfport (1)
New Orleans (2)
Corpus Christi (1)
Fort Myers (3)
Miami (1)
*As of October 28, 2025; Sales based on YTD results as of September 30, 2025.
3Q25 YTD Brand DiversificationRevenue Mix
Unit Mix
Brand diversity reduces risk from evolving
consumer preferences
20%
19%
37%
17%
45%
44%
38%
12%
Import Luxury Domestic
Import Luxury Domestic
9%
8% 8%
7% 7%
6% 6%
5%
2% 2% 2% 2%
1%
<1%
2%
Other
May not add to 100% due to rounding
New Vehicle OverviewTotal New Vehicle
Revenues ($MM)*
U.S. New Market Size1 (MM)
GPI on Target with the New Vehicle Industry 3Q25 GPI U.S. Same Store Retail Unit Sales: +5% YoY 3Q25 U.S. New Market Unit Sales1: +6% YoY
Annual New Vehicle Units
6,314
2019
5,581
2020
6,710
2021
7,562
2022
8,775
2023
9,972
2019-2024
CAGR
+10%
2024
17 18
17 17 17
15 15
16 16
14
*Includes Brazil discontinued operations
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
1Source: LMC Automotive/GlobalData
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