AutoNation Finance Income (Loss) (Tables)

9 Months Ended

Sep. 30, 2025

AutoNation Finance Income (Loss) [Abstract]

AutoNation Finance Income (Loss)

The following table presents the components of AutoNation Finance income (loss):

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2025		2024		2025		2024
Interest margin:
Interest and fee income	$	55.2	$	32.9	$	145.7	$	81.2
Interest expense	(21.2)		(11.4)		(52.9)		(27.1)
Total interest margin	34.0		21.5		92.8		54.1
Provision for credit losses	(22.0)		(18.4)		(60.1)		(36.3)
Total interest margin after provision for credit losses	12.0		3.1		32.7		17.8
Direct expenses(1)	(10.5)		(9.3)		(29.1)		(28.3)
AutoNation Finance income (loss)	$	1.5	$	(6.2)	$	3.6	$	(10.5)
(1) Direct expenses are comprised primarily of compensation expenses and loan administration costs incurred by our auto finance company.