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Lithia Motors LAD Financing Operations — Interest and fee income

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Other financials

Income statement

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Revenue$9.8B+2.2%
Gross profit$1.5B+0.8%
Operating income$448.3M+5.4%
Net income$260.0M+1.5%
EPS (diluted)$11.54+16.9%

Balance sheet

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Cash & equivalents$137.8M
Total debt$650.6M+6.7%
Total equity$6.4B-8.4%
Total assets$26.2B+8.6%

Cash flow

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Operating cash flow-$65.7M-806%
CapEx$56.3M-29.7%
Free cash flow-$122.0M

Valuation

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Market cap$8.1B+6.4%
P/E11.3×+2.8×
P/S0.2×0.0×

Profitability

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Gross margin15.2%-0.2pp
Operating margin4.1%-0.4pp
Net margin1.9%-0.5pp
FCF margin-1.3%

Returns & leverage

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Return on equity10.7%-2.7pp
Debt / equity0.1×0.0×
Current ratio-0.2×

Where this comes from

Reported directly by Lithia Motors in its filing.

Tagged under the XBRL concept us-gaap:InterestAndFeeIncomeLoansAndLeases.

The source filing: Lithia Motors’s 10-Q, filed July 29, 2026.

Filed
Jul 29, 2026, 4:33 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001023128-26-000051
(In millions)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Other vehicle operations expenses1(291.9)(276.7)(601.9)(555.0)
Vehicle operations income296.1353.2528.8661.9
Financing Operations
Interest and fee income116.498.8226.9193.2
Interest expense(53.5)(49.8)(105.2)(97.9)
Total interest margin62.949.0121.795.3
Lease income26.423.750.344.2
Lease costs(22.5)(18.6)(42.7)(35.4)

Item 1. Financial Statements

FAQ

What is Lithia Motors's financing operations — interest and fee income?
Lithia Motors (LAD) reported financing operations — interest and fee income of $116.4M in Q2 2026.
How has Lithia Motors's financing operations — interest and fee income changed year-over-year?
Lithia Motors's financing operations — interest and fee income increased by 17.8% year-over-year, from $98.8M to $116.4M.
What is the long-term trend for Lithia Motors's financing operations — interest and fee income?
Over 4 years (2021 to 2025), Lithia Motors's financing operations — interest and fee income has grown at a 72.6% compound annual growth rate (CAGR), from $45.9M to $407.5M.
What does financing operations — interest and fee income mean?
Total revenue generated from interest payments on loans and service fees charged to customers within the financing segment. This is a primary indicator of the scale and yield of the company's internal lending portfolio.

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