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Group 1 Automotive, Inc.
Oct 24, 2025 at 10:00 PM UTC
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Group 1 Automotive: 3Q25 Financial Results and Company Overview - dated 10/28/2025

Third Quarter 2025 Financial Results

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

New Vehicle
Used Vehicle Retail
Finance & Insurance
Parts & Service

*See Appendix for Non-GAAP Reconciliations

**As of October 28, 2025



We are a Fortune 500 company, ranked

214

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

+

1 ranked call center provides outstanding customer service(2)

+ 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 Optimization

2019-20

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

M&A Dividends

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 Footprint

United 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 Diversification

Revenue 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 Overview

Total 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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