Group 1 Automotive, Inc. · NYSE:GPI
Group 1 Automotive — Q3 2026 Earnings Presentation
33 slides from Group 1 Automotive's earnings presentation, Oct 28, 2026
Slide 1: Investor Presentation Q3 2026
GROUP | Investor Presentation Q3 2026
Slide 2: Forward Looking Statements
GP1 Forward Looking Statements This presentation contains “forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are stat
Slide 3: Continued process improvements and talent investment
• Continued process improvements • Ongoing investment in attracting and retaining talent *Based on the 2026 Pied Piper Service Scheduling Effectiveness (SSE ) Auto Dealer Group Study. Group 1 ranked #2 of 31 U.S. large dealer groups and first among publicly traded groups, behind on ly privately held
Slide 4: Hennessy Automobile Companies Closed on October 19, 2026
GROUP | Hewsssy = AUTOMOBILE COMPANIES Hennessy Automobile Companies Closed on October 19, 2026
Slide 5: Unique Strategic Investment – Hennessy Automobile
Unique Strategic Investment – Hennessy Automobile 01 High-throughput stores create a new 15-store cluster in high-growth Atlanta 02 Luxury-focused brand mix with dominant market share in region Average Revenue Per Store Average Household Income Revenue Mix 75% premier luxury $170M $150K 29% 25% $72M
Slide 6: A Higher Margin Portfolio Post Hennessy Acquisition and Planned Dispositions
A Higher Margin Portfolio Post Hennessy Acquisition and Planned Dispositions Hennessy Acquisition – Closed in Q4 Planned Dispositions1 – Expected Around Mid 2027 ~$1.7B ~22,000 ~7% $1.1 – $1.2B ~22,000 ~4% Annualized Revenues Units Adjusted EBITDA Annualized Revenues Units GPI Adjusted Margin EBITDA
Slide 7: Disposition plan supporting strategy to reduce leverage
Disposition plan supporting our strategy to reduce leverage on track: completed U.S. dispositions with approximately $235 million in proceeds since quarter end, with an additional $125 million in proceeds expected from dispositions under definitive agreement, totaling approximately $360 million of p
Slide 8: Consolidated Revenues and Same Store Revenues
Consolidated Revenues Same Store Revenues $5,783 (7)% $5,397 $5,436 (3)% $5,283 $734 (5)% $701 $241 $674 2% $687 (10)% $216 $232 (9)% $211 $1,852 Parts & Service (9)% $1,691 $1,763 (6)% $1,659 Finance & Insurance $2,807 (5)% $2,665 Used Vehicle Retail $2,630 (1)% $2,608 New Vehicle Retail 3Q25 3Q26
Slide 9: U.S. Brand Diversification
U.S. Brand Diversification 26.6% 10.3% 10.2% 8.6% 8.3% 8.2% 7.3% 6.0% Maine (4) 2.7% New Hampshire (4) 2.6% 2.4% 2.0% NYC Metro (1) 1.5% Philadelphia Metro (1) 0.9% Atlantic City (2) 18 Boston Metro 0.3% Sacramento (2) 9 Oklahoma City 0.2% Kansas City (3) Other 1.7% 7 Dallas- Santa Fe (3) Tulsa (4)
Slide 10: U.K. Brand Diversification
U.K. Brand Diversification 23.7% 23.5% 13.6% 12.8% 7.2% 6.9% 3.1% 2.7% Lancashire (1) 5 Greater Manchester 2.4% 1.6% Merseyside (4) Derbyshire (3) Lincolnshire (1) 1.0% North Wales (1) Nottinghamshire (3) 1.0% 6 Norfolk Leicestershire (2) Other 0.4% 7 Cheshire Shropshire (1) 5 Cambridgeshire Bedford
Slide 11: Household Size by Vehicles Available
(1) 2024 American Community Survey, Household Size by Vehicles Available, United States Census 01 11
Slide 12: 3Q26 Business Diversification
3Q26 Business Diversification Gross Revenue Profit 4% 13% 25% 34% 46% 49% 9% 20% 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 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: AI is being applied to highest value profit drivers
Alis being applied to the business’ highest value profit drivers Across New Vehicles, Used Vehicles, Parts & Service, and SG&A functions Acquire & Retain Customers * 24/7 lead capture, routing, response, and appointment setting * Al-assisted sales coaching and follow-up * Automated Service reminders
Slide 15: Focused, Experienced Management Team
Daryl Kenningham President, CEO and Director 35+ Years Industry Experience Manufacturer and Automotive Retailing Experience Joined GP1 July 2011 Melkeya McDuffie SVP and CHRO 20+ Years Human Resources Experience Across Multiple Industries and Geographies Joined GPI August 2025 Focused, Experienced M
Slide 16: Capital allocation: acquisitions, dispositions, buybacks, dividends
$25.6M $23.7M $3.9B $2.5B $2.0B $1.1B $0.9B $0.6B $555M ($0.2B) ($0.3B) $521M ($0.4B) ($0.5B) ($0.8B) $23.9M ($1.3B) $25.2M $25.2M $211M $173M $19.7M $162M $72.4M 2021 2022 2023 2024 2025 2026 YTD 2021 2022 2023 2024 2025 2026 Dispositions/Terminations* Acquisitions YTD Buybacks Dividends 2026 figur
Slide 17: Revenue, Adjusted EPS, Adjusted FCF
Revenue* ($MM) Adjusted EPS* Adjusted FCF* ($MM) $45.85 $800 $22,571 $44.24 $40.83 $19,934 $39.29 $659 $17,874 $35.02 $581 $16,412 $504 $485 $13,802 $432 $12,044 $10,852 $18.06 $235 $10.93 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 2019 2020 2021 2022 2023 2024 2025 17
Slide 18: Additional Operational Data
Additional Operational Data
Slide 19: New Vehicle Overview
New Vehicle Overview Total New Vehicle U.S. New Market Size1 (MM) Revenues ($MM)* Annual New Vehicle Units +10% 2019-2025 CAGR 17 18 17 17 17 16 16 16 15 15 2025 10,990 14 GPI vs. New Vehicle Industry 2024 9,972 3Q26 GPI U.S. Same Store Retail Unit Sales: -5% YoY 2023 8,775 3Q26 U.S. New Market Reta
Slide 20: Used Vehicle Overview
Total Used Vehicle Revenues ($MM)* U.S. Used Market Size1 (MM) GPI vs. Used Vehicle Industry Annual Used Vehicle Units +13% 2019-2025 CAGR 38 11 39 11 39 11 39 11 40 11 37 10 41 12 36 36 37 38 12 3Q26 GPI U.S. Same Store Retail Unit Sales: -10% YoY 10 11 12 Retail 13 13 14 14 14 14 13 13 13 13 13 Wh
Slide 21: Parts & Service Overview
79% 75% 74% 75% 74% 73% 72% 71% 70% 69% Consolidated P&S Service-to- 67% 63% Revenue (1) ($MM) Service Retention by Model Year* +11% 2019-2025 CAGR 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 10+ Yrs Average 2025 $2,845 *Represents vehicles having 2 service visits in 12 months. 2024 $2,491 202
Slide 22: Finance & Insurance Overview
Finance & Insurance Overview U.S. F&I Penetration U.S. F&I Gross Profit Per Retail Unit (PRU) * 3Q26 $2,466 $2,468 2019 2020 2021 2022 2023 2024 2025 $2,428 YTD $2,338 $2,368 $2,155 Finance 72% 73% 73% 70% 68% 70% 70% 71% VSC 42% 44% 45% 45% 44% 44% 45% 44% $1,951 $1,782 Maintenance 14% 14% 15% 18%
Slide 23: Adjusted Cash Flow, Leverage and Liquidity
Adjusted Operating Cash Flow* Rent Adjusted Leverage Ratio Adjusted Free Cash Flow* Rent-adjusted leverage of 3.3x at 9/30; On a proforma basis 3.3x 3.3x for Hennessy acquisition and 3.1x 3.1x October closed dispositions, 2.9x $916 rent-adjusted leverage would be ~4x $800 $755 Disposal plan and cash
Slide 24: Debt Maturities
Debt Maturities in millions, excludes floorplan $1,757 $930 ~$2,124 million of floorplan debt $616 ~$1,112 million of mortgage debt $324 ~$2,500 million of bond debt $198 $89 ~$0 million of acquisition line debt 2026 2027 2028 2029 2030 Thereafter ~$302 million of other debt including finance leases
Slide 25: Dealership Property Breakdown by Region
Dealership Property Breakdown by Region (as of September 30, 2026) Region Owned Leased United States 121 24 United Kingdom 62 42 Total 183 66 Owned vs. Leased Property Trend 167 204 259 249 # Properties 34% 31% 27% 37% % Leased 66% 69% 73% 63% % Owned 2020 2022 2024 2026 25
Slide 26: Appendix
Appendix M&A Activity Non-GAAP Reconciliations
Slide 27: Acquisitions and Dispositions/Terminations
Acquisitions and Dispositions/Terminations Quarterly Activity – Annualized Revenues ($m) Q3 2025 – Q3 2026 Annualized Revenues ($m) Acquisitions $550 1,700 Q3 2025 U.S. - 1 Mercedes Benz 210 Q1 2026 U.K. - 1 Skoda and 2 Volkswagen 135 Q2 2026 U.S. - 1 Toyota & 1 Honda 205 Dispositions/Terminations (
Slide 28: 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 29: Reconciliation: Adjusted Cash Flow (Non-GAAP)
Reconciliation: Adjusted Cash Flow (Non-GAAP) 3Q25 3Q26 (Unaudited, $MM) 2019 2020 2021 2022 2023 2024 2025 YTD YTD Operating Cash Flow (GAAP) $371 $805 $1,260 $586 $190 $586 $694 $565 $342 Change in Floorplan notes payable - credit facilities and other, excluding (43) (314) (491) 320 505 133 7 (63)
Slide 30: Reconciliation: Adjusted EBITDA (Non-GAAP)
Reconciliation: Adjusted EBITDA (Non-GAAP) Nine months ended (Unaudited, $ in millions except percentages) September 30 Net income from continuing operations $335.7 Income tax expense 100.7 Depreciation and amortization expense 93.3 Non-floorplan interest expense 143.6 EBITDA from continuing operati
Slide 31: Reconciliation: Adjusted Continuing Ops Earnings Per Share
Reconciliation: Adjusted Continuing Ops Earnings Per Share (Non-GAAP) (Unaudited) 3Q25 3Q26 As Reported EPS from Continuing Ops $1.02 $8.59 After Tax Adjustments: Catastrophic Events (0.01) 0.03 (Gain) loss on real estate and dealership transactions (0.04) (0.22) Restructuring charges 0.12 - Legal m
Slide 32: Reconciliation: 3Q26 YTD Adjusted F&I (Non-GAAP)
Reconciliation: 3Q26 YTD Adjusted F&I (Non-GAAP) U.S. U.S. (Unaudited) Same Actual Store $MM F&I, net $532.4 $517.6 Non–recurring F&I 6.8 6.8 adjustment Adjusted F&I, net $539.2 $524.4 Per Retail Unit (PRU) F&I Gross PRU $2,437 $2,441 Non–recurring F&I 31 32 adjustment PRU Adjusted F&I Gross Profit
Slide 33: Reconciliation: Adjusted Total Earnings Per Share (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