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3 • 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
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$2,858 $2,767 $1,653 $1,739 $226 $230 $680 $700 4Q24 4Q25 4 Consolidated Revenues 1% 3% 2% 5% (3)% $2,798 $2,672 $1,600 $1,674 $220 $224 $652 $679 4Q24 4Q25 1% Same Store Revenues 0% New Vehicle Retail Used Vehicle Retail Finance & Insurance Parts & Service 4% 5% (5)% $5,546 $5,580 $5,393 $5,387
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5 Increased in 2025 by 11.8% and 4.1% on an actual and same store basis, respectively, compared to 2024 $718M $326M $829M $1,368M $3,241M $755M $346M $935M $1,586M $3,622M New Vehicle Gross Profit Used Vehicle Gross Profit Finance & Insurance Gross Profit Parts & Service Gross Profit Consolidated Gross Profit 2024 2025 YoY Change 5.2% YoY Change 6.0% YoY Change 12.8`% YoY Change 15.9% YoY Change 11.8%
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6 Portfolio optimization of smaller, less profitable stores - $775 million in revenue disposed during 2025 In the U.K. we are continuously taking decisive actions to control costs, including workforce realignment and strategic closing of certain facilities
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7 We are continuously taking decisive actions to control costs, strengthen operational efficiency and position the business for improved returns as market conditions stabilize .
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8 801 Group 1 Automotive 2025 Amarillo (1) Gulfport (1) Pensacola/Panama City (3) Mobile (1) New Orleans (2) Sacramento (2) San Antonio (4) Miami (1) NYC Metro (1) New Hampshire (4) Charlotte (1) Philadelphia Metro (1) Atlanta (3) Columbus (4) Augusta (1) Columbia (1) Hilton Head (3) Shreveport (2) Tulsa (4) Maine (4) Atlantic City (2) Kansas City (3) Fort Myers (3) Corpus Christi (1) Santa Fe (3) Albuquerque (4) 9 Oklahoma City 7 Dallas-Ft Worth 19 Houston Austin 8Lubbock 6 El Paso 6 Los Angeles 5 18 Boston Metro 7 Washington DC Metro 22% 49% 29% Domestic Import Luxury 24% 38% 38% Domestic Import Luxury RevenueUnits U.S. Brand Diversification *As of January 29, 2026; Sales based on YTD results as of December 31, 2025. May not add to 100% due to rounding 25.2% 11.5% 9.6% 8.4% 8.2% 7.9% 7.2% 6.7% 2.9% 2.7% 2.7% 2.0% 1.9% 1.0% 0.3% 0.3% 1.6% Other
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9 901 Group 1 Automotive 2025 Bedfordshire (1) Berkshire (4) Derbyshire (4) Dorset (1) Gloucestershire (1) Lancashire (2) Leicestershire (2) Merseyside (4) Nottinghamshire (3) Shropshire (1) West Sussex (1) Warwickshire (2) Wiltshire (2) Oxfordshire (1) Lincolnshire (1) 10 Essex 5 Surrey5 Hampshire 7 Greater London 5 Cambridgeshire 5 Greater Manchester 8 Cheshire 11 Hertfordshire Devon (1) North Wales (1) 4% 35% 61% Domestic Import Luxury 3% 31% 66% Domestic Import Luxury RevenueUnits 23.0% 14.7% 12.1% 7.7% 6.7% 3.5% 2.2% 2.0% 2.1% 1.2% 1.2% 0.3% U.K. Brand Diversification 23.6% Other *As of January 29, 2026; Sales based on YTD results as of December 31, 2025. May not add to 100% due to rounding East Sussex (2) 8 Kent 7 Norfolk Suffolk (4)
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10 1001 (1) 2024 American Community Survey, Household Size by Vehicles Available, United States Census
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11 1101 *Fixed absorption calculation: parts & service gross profit divided by total company fixed costs plus parts & service sellingexpenses 49% 21% 34% 8% 13% 45% 4% 26% Revenue Gross Profit 4Q25 Business Diversification Finance & Insurance Parts & Service Used Vehicles New Vehicles
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12 1201 (1) Based on the 2025 Pied Piper PSI Service Telephone Effectiveness Study
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13 1301
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$2.5B $0.9B $1.1B $3.9B $0.6B 2021 2022 2023 2024 2025 15 1501 • *As of January 28, 2026 • ** Excludes Brazil disposition $211M $521M $173M $162M $555M $23.9M $23.7M $25.2M $25.2M $25.6M 2021 2022 2023 2024 2025 Buybacks Dividends
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16 $12,044 $10,852 $13,802 $16,412 $17,874 $19,934 $22,571 2019 2020 2021 2022 2023 2024 2025 Revenue* ($MM) $10.93 $18.06 $35.02 $45.85 $44.24 $39.29 $40.83 2019 2020 2021 2022 2023 2024 2025 Adjusted EPS* $237 $426 $656 $803 $581 $504 $494 2019 2020 2021 2022 2023 2024 2025 Adjusted FCF* ($MM)
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New Vehicle Overview U.S. New Market Size1 (MM) Annual New Vehicle Units *Includes Brazil discontinued operations 1Source: LMC Automotive/GlobalData Total New Vehicle Revenues ($MM)* +10% 2019-2025 CAGR 6,314 5,581 6,710 7,562 8,775 9,972 10,990 2019 2020 2021 2022 2023 2024 2025 17 18 17 17 17 15 15 14 16 16 16 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 GPI on Target with New Vehicle Industry 4Q25 GPI U.S. Same Store Retail Unit Sales: -4% YoY 4Q25 U.S. New Market Unit Sales1: -4% YoY 18 *Includes Brazil discontinued operations 1Source: LMC Automotive/GlobalData
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U.S. Used Market Size1 (MM) Annual Used Vehicle Units U.S. Market Share2 1 Source: Edmunds, Cox Automotive and NADA Used Vehicle Data*Includes Brazil discontinued operations 2Source: NADA-U.S. Used Vehicle Data 3Source: Cox Automotive +13% 2019-2025 CAGR GPI on Target with Used Vehicle Industry 4Q25 GPI U.S. Same Store Retail Unit Sales: -2% YoY 4Q25 U.S. Used Market Unit Sales3: -2% YoY 3,722 3,414 4,874 6,092 6,135 6,642 7,802 2019 2020 2021 2022 2023 2024 2025 Retail Wholesale 38 39 39 40 40 37 41 36 36 37 38 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 34% 34% 32% New Vehicle Dealers Used Vehicle Dealers Private Party 19 2Source: NADA -U.S. Used Vehicle Data 3Source: Cox Automotive Total Used Vehicle Revenues ($MM)*
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Consolidated P&S Revenue (1) ($MM) +11% 2019-2024 CAGR Service-to- Service Retention by Model Year* 78% 77% 75% 75% 74% 73% 72% 71% 69% 67% 63% 69% 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 10+ Yrs Average *Represents vehicles having 2 service visits in 12 months. 4Q25 U.S. SS P&S Revenue Change YoY +5% Customer Pay +11% Warranty 0% Wholesale -17% Collison 54% 62% 20% 25% 18% 5% 8% 8% Revenue Gross Profit Collision Wholesale Warranty Customer Pay 4Q25 U.S. SS P&S Mix (2) (1) Includes Brazil discontinued operations (2) May not add to 100% due to rounding; excludes internal reconditioning $1,510 $1,389 $ 1,630 $ 2,033 $ 2,222 $2,491 $2,845 2019 2020 2021 2022 2023 2024 2025 20
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Finance & Insurance Overview U.S. F&I Gross Profit Per Retail Unit (PRU)U.S. F&I Penetration & Gross Profit PRU 2019 2020 2021 2022 2023 2024 2025 Finance 72% 73% 73% 70% 68% 70% 70% VSC 42% 44% 45% 45% 44% 44% 45% Maintenance 14% 14% 15% 18% 19% 19% 24% Other 17% 17% 20% 22% 21% 23% 24% Gross Profit $1,782 $1,951 $2,155 $2,428 $2,338 $2,368 $2,466 4Q25 U.S. Same Store F&I GP PRU: +3% YoY $1,782 $1,951 $2,155 $2,428 $2,338 $2,368 $2,466 2019 2020 2021 2022 2023 2024 2025 21
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Rent Adjusted Leverage Ratio Total Liquidity ($MM) 2.8x 2.7x 2.7x 2.9x 3.1x 4Q24 1Q25 2Q25 3Q25 4Q25 $1,216 $994 $ 1,112 $989 $883 4Q24 1Q25 2Q25 3Q25 4Q25 $332 $504 $755 $916 $720 $683 $699 $237 $426 $656 $803 $581 $504 $494 2019 2020 2021 2022 2023 2024 2025 Adjusted Operating Cash Flow* Adjusted Free Cash Flow* $205 million in capital expenditures in 2025 $555 million in share buybacks in 2025 representing 10% of share count 22 *See Appendix for Non-GAAP Reconciliations
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~$1,915 million of floorplan debt ~$1,151 million of mortgage debt ~$1,250 million of bond debt ~$964 million of acquisition line debt ~$348 million of other debt including finance leases 2026 2027 2028 2029 2030 2031 Swap Balance $450 $300 $250 $200 $200 $100 Fixed Rate 1.23% 1.11% 1.10% 1.20% 1.20% 0.65% $260 $244 $926 $318 $1,576 $388 2026 2027 2028 2029 2030 Thereafter Debt Maturities in millions, excludes floorplan 23
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Region Owned Leased United States 118 27 United Kingdom 63 46 Total 181 73 Dealership Property Breakdown by Region (as of December 31, 2025) Owned vs. Leased Property Trend % Owned % Leased # Properties 62% 64% 67% 71% 38% 36% 33% 29% 2019 2021 2023 2025 169 202 199 254 24
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Non-GAAP Reconciliations 2025 Financial Results
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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 relating to, among other things, cost reduction, growth, profitability improvement initiatives, and other events outside of normal, or "core," business and operations, by considering alternative financial measures not prepared in accordance with U.S. GAAP. In our evaluation of results from time to time, we exclude items that do not arise directly from core operations, such as non-cash asset impairment charges, out-of-period adjustments, legal matters, gains and losses on dealership franchise or real estate transactions, and catastrophic events, such as hailstorms, hurricanes, snow-storms and employee compensation costs associated with the CDK outage. Because these non-core charges and gains materially affect the Company's financial condition or results in the specific period in which they are recognized, management also evaluates, and makes resource allocation and performance evaluation decisions based on, the related non-GAAP measures excluding such items. This includes evaluating measures such as adjusted selling, general and administrative expenses, adjusted net income, adjusted diluted earnings per share, and constant currency. These adjusted measures are not measures of financial performance under U.S. GAAP, but are instead considered non- GAAP financial performance measures. Non-GAAP measures do not have definitions under U.S. GAAP and may be defined differently by, and not be comparable to similarly titled measures used by, other companies. As a result, any non-GAAP financial measures considered and evaluated by management are reviewed in conjunction with a review of the most directly comparable measures calculated in accordance with U.S. GAAP. We caution investors not to place undue reliance on such non-GAAP measures, but also to consider them with the most directly comparable U.S. GAAP measures. In addition to using such non-GAAP measures to evaluate results in a specific period, management believes that such measures mayprovide more complete and consistent comparisons of operational performance on a period-over-period historical basis and a better indication of expected future trends. Our management also uses these adjusted measures in conjunction with U.S. GAAP financial measures to assess our business, including communication with our Board of Directors, investors, and industry analysts concerning financial performance. We disclose these non-GAAP measures, and the related reconciliations, because we believe investors use these metrics in evaluating longer-term period-over-period performance, and to allow investors to better understand and evaluate the information used by management to assess operating performance. The exclusion of certain expensesin the calculation of non-GAAP financial measures should not be construed as an inference that these costs are unusual or infrequent. We anticipate excluding these expenses in the future presentation of our non-GAAP financial measures. In addition, we evaluate our results of operations on both an as reported and a constant currency basis. The constant currency presentation, which is a non-GAAP measure, excludes the impact of fluctuations in foreign currency exchange rates. We believe providing constant currency information provides valuable supplemental information regarding our underlying business and results of operations, consistent with how we evaluate our performance. We calculate constant currency percentages by converting our current period reported results for entities reporting in currencies other than U.S. dollars using comparative period exchange rates rather than the actual exchange rates in effect during the respective periods. The constant currency performance measures should not be considered a substitute for, or superior to, the measures of financial performance prepared in accordance with U.S. GAAP. The Same Store amounts presented include the results of dealerships for the identical months in each period presented in comparison, commencing with the first full month in which the dealership was owned by us and, in the case of dispositions, ending with the last full month it was owned by us. Same Store results also include the activities of our corporate headquarters. Certain amounts in the financial statements may not compute due to rounding. All computations have been calculated using unrounded amounts for all periods presented. 26
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Certain numbers may not compute due to rounding 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 account and net acquisitions and dispositions (43) (314) (491) 320 505 133 7 Change in Floorplan notes payable – manufacturer affiliates associated with net acquisitions and dispositions and floorplan offset activity 4 12 (13) 10 25 (37) (2) Adjusted Operating Cash (Non-GAAP) 332 504 755 916 720 683 699 Cap Ex (95) (77) (100) (113) (139) (179) (205) Adjusted Free Cash Flow (Non-GAAP) $237 $426 $656 $803 $581 $504 $494 27
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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) Catastrophic Events - 0.07 Severance 0.03 0.13 Legal matters and other professional fees 0.12 0.67 Acquisitions costs 0.01 0.39 Restructuring Charges 0.48 1.73 Adjusted Diluted EPS $8.49 $40.71 Certain numbers may not compute due to rounding 28
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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 estate and dealership transactions (0.13) (0.23) (0.19) (1.86) (0.65) (2.94) (0.94) Loss on extinguishment of long-term debt - 0.58 - - - - - Catastrophic Events 0.72 - 0.12 - 0.18 0.53 0.07 Severance Costs - 0.10 - - - 0.05 0.13 Legal matters and other professional fees 0.05 (0.12) (0.23) 0.04 0.33 0.20 0.67 Acquisitions costs including related tax impact - - 0.57 0.12 0.05 1.46 0.39 Tax Rate Changes - - (0.10) - - - - Out-of-period adjustments - 0.53 - - - - - Non-cash (gain) loss on interest rate swaps - - 0.20 - (0.22) - - Restructuring Charges - - - - - 0.92 1.73 Discontinued operations: debt redemption & non-cash CTA losses - - 4.46 0.31 - - - Adjusted Diluted EPS $10.93 $18.06 $35.02 $45.85 $44.24 $39.29 $40.83 Certain numbers may not compute due to rounding 29