4Q23 & FY23 Financial Results
Finance & Insurance Overview
Improved F&I profitability via focus on
compliance & growth includes:
Consolidation of lender base
U.S. F&I Gross
Profit Per Retail
Unit (PRU)
Integration of compliance, training and
benchmarking to offer a consistent and
transparent experience for internal and
external customers
Consistent product penetration through 2023
Our U.S. 4Q23 online F&I PRU
compared to U.S. total F&I
PRU
Group1Auto.com - Investor Presentation
+$200
4Q23 U.S. Same Store F&I GP PRU:
4Q23 flat vs 3Q23
$2,428
$2,338
$2,155
$1,951
$1,782
$1,599
$1,647
$1,710
2016 2017 2018 2019 2020 2021 2022
2023
U.S. F&I Penetration & Gross Profit PRU
2019
2020
2021 2022 2023
Finance
72%
73%
73%
70%
68%
VSC
42%
44%
45%
45%
44%
Maintenance
14%
14%
15%
18%
% 19%
Other
17%
17%
20%
22%
21%
Gross Profit
$1,782 $1,951 $2,155 $2,428 $2,338
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