PAGHIGH SIGNALFINANCIAL10-K

PAG delivered exceptional financial performance with net income surging 316% and gross profit increasing 301%, driven by strong growth across all business segments.

The dramatic improvement in profitability metrics suggests PAG has successfully executed operational improvements or benefited from favorable market conditions in the automotive retail space. The company expanded its U.S. market presence from 56% to 61% of automotive revenues while maintaining strong positioning in premium brands, indicating effective geographic and portfolio optimization.

Comparing 2026-02-27 vs 2025-02-21View on EDGAR →
FINANCIAL ANALYSIS

PAG demonstrated remarkable financial performance with net income jumping 316% to $935.4M and gross profit increasing 301% to $5.2B, reflecting strong operational execution across all business segments. However, the company reduced its cash position by 10.6% while increasing debt by 16.9% and nearly tripling share buybacks to $159.1M, suggesting aggressive capital allocation. Operating cash flow declined 17.4% to $975.1M despite the strong earnings growth, which may indicate working capital investment or timing differences that warrant monitoring.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+316.1%
$224.8M$935.4M

Net income grew 316.1% — bottom-line growth signals improving overall business health.

Gross Profit
P&L
+301.4%
$1.3B$5.2B

Gross profit expanding — improving pricing power or product mix shift toward higher-margin offerings.

Share Buybacks
Cash Flow
+171%
$58.7M$159.1M

Share repurchases increased 171% — management returning capital, signals confidence in intrinsic value.

Operating Cash Flow
Cash Flow
-17.4%
$1.2B$975.1M

Operating cash flow softened — monitor whether temporary working capital timing or structural deterioration.

Total Debt
Balance Sheet
+16.9%
$1.9B$2.2B

Debt rose 16.9% — additional borrowing for investment or operations; monitor coverage ratios.

Cash & Equivalents
Balance Sheet
-10.6%
$72.4M$64.7M

Cash decreased 10.6% — monitor burn rate and upcoming capital needs.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-21
ADDED
As of February 20, 2026, there were 65,760,087 shares of voting common stock outstanding.
Business Overview In 2025, our business generated $31.8 billion in total revenue, which is comprised of approximately $27.5 billion from retail automotive dealerships, $3.4 billion from retail commercial truck dealerships, and $922.6 million from commercial vehicle distribution and other operations.
We generated $5.2 billion in gross profit, which is comprised of $4.5 billion from retail automotive dealerships, $542.3 million from retail commercial truck dealerships, and $192.3 million from commercial vehicle distribution and other operations.
We are one of the largest global automotive retailers as measured by the $27.5 billion in total retail automotive dealership revenue we generated in 2025.
We are diversified geographically with 61% of our total retail automotive dealership revenues in 2025 generated in the U.S.
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REMOVED
As of February 11, 2025, there were 66,749,222 shares of voting common stock outstanding.
Business Overview In 2024, our business generated $30.5 billion in total revenue, which is comprised of approximately $26.2 billion from retail automotive dealerships, $3.5 billion from retail commercial truck dealerships, and $777.9 million from commercial vehicle distribution and other operations.
We generated $5.0 billion in gross profit, which is comprised of $4.3 billion from retail automotive dealerships, $584.5 million from retail commercial truck dealerships, and $178.2 million from commercial vehicle distribution and other operations.
We are one of the largest global automotive retailers as measured by the $26.2 billion in total retail automotive dealership revenue we generated in 2024.
We are diversified geographically with 56% of our total retail automotive dealership revenues in 2024 generated in the U.S.
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