Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
PAG · NYSE · United States · Retail-Auto Dealers & Gasoline Stations
In shortPENSKE AUTOMOTIVE GROUP, INC. is profitable, generates cash and carries moderate debt, with revenue stable (−0.2% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 4.0% | 30/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 2.9% | 32/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 17.1% | 85/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 12.3% | 82/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 0.99× | 16/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.39× | 89/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 1.45× | 73/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | – | n/a |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 2.01 | 23/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 2.0% | 28/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.70× | 49/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 9.7% | 75/100 |
| Operating margin volatility | 0.6% | 100/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 4.6% | 42/100 |
|---|---|---|
| EPS growth, 3-year average | -8.7% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 25,555 | 27,815 | 30,917 | 31,865 | 31,809 |
| Cost of revenue | 21,114 | 22,976 | 25,769 | 26,648 | 26,592 |
| Gross profit | 4,441 | 4,839 | 5,147 | 5,217 | 5,217 |
| Selling, general & admin | 2,963 | 3,224 | 3,554 | 3,686 | 3,764 |
| Operating income | 1,356 | 1,488 | 1,409 | 1,370 | 1,281 |
| Pre-tax income | 1,608 | 1,859 | 1,475 | 1,290 | 1,264 |
| Income tax | 416 | 473 | 361 | 317 | 326 |
| Net income | 1,188 | 1,380 | 1,109 | 969 | 935 |
| Diluted EPS | $14.89 | $18.55 | $16.31 | $14.49 | $14.13 |
| Diluted shares (millions) | 80 | 74 | 68 | 67 | 66 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
2.01 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Jul 30, 2026