Financial Analysis

Where profit performance is generated and where margin leakage is occurring.

YTD Snapshot: March 2026

The Macro Reality: Gross vs. Expense

The fundamental structural challenge of the store: We are generating a strong base of selling gross ($1.28M YTD), but it is being overwhelmed by fixed and variable expenses, resulting in negative per-unit profitability.

YTD Selling Gross

$1.288M

Strong earning base to build from, driven heavily by New.

YTD Fixed Expense

$1.791M

Sets the baseline hurdle we must cover every month.

YTD Operating Profit

-$502K

The gap between generated gross and total expenses.

YTD Profit PNVS

-$1,198

Net profit before income tax divided by total new vehicles sold.

Identified Profit Leaks (The Diagnostic Data)

These five areas represent the largest immediate threats to profitability and cash flow. They form the mathematical justification for the immediate actions outlined in the Transition & Handoff plan.

New Floorplan Burden

21.3%

of MTD Gross

  • MTD Interest: $141,016
  • National Avg: 7.7%
  • Lost Profit Opp: $707,276

Used Selling Gross

-$45.5K

MTD

  • Selling Gross %: -46.9%
  • Current PUVR: $641
  • Target PUVR: $1,750

Liquidity (Working Capital)

-$28K

Total

  • Ford Min Guide: $4.47M
  • Under Guide By: -$4.50M
  • Store Net Cash: -$1.41M

Service A/R (91+ Days)

$180K

Uncollected

With deep liquidity constraints, $180,606 in aged receivables represents pure operational sloppiness. This is accessible cash.

Body Shop Gross

$11K

YTD Selling Gross

  • YTD ROs: 233
  • YTD Expense: $175,369
  • YTD Total Gross: $186,676

Core Margin Engines (Protecting the Base)

While fixing the leaks, we must insulate the areas of the business that are currently funding the operation. New Vehicle gross quality is up (+$291K YTD selling gross), driven by strong margin preservation on core models.

Model Line Avg. Gross Per Vehicle
Lincoln Navigator$8,079
Lincoln Aviator$6,118
Ford Super Duty$5,635
Ford F-150$4,859

Lincoln Execution Note

75.8%

Our team is capturing 75.8% of our local Lincoln demand, vastly outperforming the 69.1% state benchmark. This proves our staff can execute luxury, trust-based sales when the process aligns.