Lithia Motors Inc
LAD—
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Lithia Motors Inc AI Insights
Informational only. Not investment advice.Snapshot
- Debt/equity 2.17x with 766M interest expense TTM consuming 51% of operating income - leverage straining profitability[Debt to Equity]
- FCF negative (-42.4M TTM) despite 900M net income - 5.9B inventory and working capital consuming cash[Free Cash Flow TTM]
- P/E 8.7x vs industry median 14.5x with 5yr revenue CAGR 21.7% - discount reflects leverage risk[P/E Ratio]
Watch Triggers
- Interest Expense: Exceeds 800M or interest coverage falls below 1.8x — At 766M already consuming 51% of operating income - further rise threatens dividend/buybacks
- Free Cash Flow TTM: Remains negative for 2+ consecutive quarters — Signals inventory/working capital issues becoming structural, not cyclical
- Inventory: Exceeds 6.5B or days inventory rises above 70 — 5.9B inventory is 79% of current assets - aging risk in declining vehicle market
Bull Case
Revenue 37.6B with 5yr CAGR 21.7% (2.2x industry median 9.9%) - scale advantage in fragmented dealer market
Total Revenue TTMTotal Revenue 5yr Growth
P/E 8.7x at 40% discount to peers with EPS 34.94 - priced for permanent margin compression that may not occur
P/E RatioEPS TTM
Bear Case
14.7B total debt at 2.17x equity with negative FCF - any revenue decline triggers covenant/liquidity stress
Total DebtDebt to EquityFree Cash Flow TTM
Goodwill 2.4B is 36% of equity; tangible book only 1.6B vs 7.7B market cap - acquisition-driven growth at risk
GoodwillTangible Book ValueCommon Stockholders Equity
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
35%
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Forward Thesis
Interest expense will compress margins further if rates stay elevated through 2027
1-3yhigh
- 766M interest on 14.7B debt = 5.2% effective rate
- Operating income only 2x interest coverage
- Net short-term debt issuance 11.8B signals refinancing needs
Interest expense 766M vs operating income 1.5B TTMCurrent debt 5.0B due near-termNet margin 2.4% leaves no buffer
Valuation Context
Caveats
Public Strategies Rankings
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LAD Fundamentals
Retail Trade → Motor Vehicle and Parts Dealers
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$6.04B | — | ||
$21.19B | — | ||
7.7 | — | ||
$37.63B | +4.0% | — | |
$32.32 | +12.9% | — | |
3.80% | -0.2% | — | |
2.18% | -0.0% | — | |
$5.8M | -92.1% | — | |
12.4% | -0.1% | — | |
Beta 5Y (Monthly) | unknown | — |
LAD Dividend History
86 dividends
2026
$0.550003/06/26$0.5500
2025
$2.180011/07/25$0.5500
08/08/25$0.5500
05/09/25$0.5500
03/07/25$0.5300
2024
$2.090011/08/24$0.5300
08/09/24$0.5300
05/09/24$0.5300
03/07/24$0.5000
2023
$1.920011/09/23$0.5000
08/10/23$0.5000
05/11/23$0.5000
03/09/23$0.4200
2022
$1.610011/09/22$0.4200
08/11/22$0.4200
05/12/22$0.4200
03/10/22$0.3500
2021
$1.360011/10/21$0.3500
08/12/21$0.3500
05/06/21$0.3500
03/11/21$0.3100
2020
$1.220011/12/20$0.3100
08/13/20$0.3100
05/07/20$0.3000
03/12/20$0.3000
2019
$1.190011/07/19$0.3000
08/08/19$0.3000
05/09/19$0.3000
03/07/19$0.2900
2018
$1.140011/08/18$0.2900
08/14/18$0.2900
05/10/18$0.2900
03/08/18$0.2700
2017
$1.060011/09/17$0.2700
08/09/17$0.2700
05/10/17$0.2700
03/08/17$0.2500
2016
$0.950011/08/16$0.2500
08/10/16$0.2500
05/11/16$0.2500
03/09/16$0.2000
2015
$0.760011/04/15$0.2000
08/05/15$0.2000
05/13/15$0.2000
03/11/15$0.1600
2014
$0.610011/19/14$0.1600
08/06/14$0.1600
05/07/14$0.1600
03/05/14$0.1300
2013
$0.390011/06/13$0.1300
08/07/13$0.1300
05/08/13$0.1300
2012
$0.470012/13/12$0.1000
11/07/12$0.1000
08/08/12$0.1000
05/09/12$0.1000
03/07/12$0.0700
2011
$0.260011/08/11$0.0700
08/09/11$0.0700
05/09/11$0.0700
03/09/11$0.0500
2010
$0.150011/09/10$0.0500
08/11/10$0.0500
05/12/10$0.0500
2008
$0.470010/10/08$0.0500
07/11/08$0.1400
04/11/08$0.1400
01/14/08$0.1400
2007
$0.560010/11/07$0.1400
07/12/07$0.1400
04/12/07$0.1400
01/11/07$0.1400
2006
$0.520010/18/06$0.1400
07/19/06$0.1400
04/19/06$0.1200
02/15/06$0.1200
2005
$0.400011/02/05$0.1200
08/03/05$0.1200
05/04/05$0.0800
02/24/05$0.0800
2004
$0.300010/28/04$0.0800
07/29/04$0.0800
05/05/04$0.0700
03/03/04$0.0700
2003
$0.140011/05/03$0.0700
08/06/03$0.0700
LAD Stock Splits
No stock splits
LAD SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
02/25/26 | 12/31/25 | Unknown | |
10/24/25 | 09/30/25 | 10-Q | |
07/30/25 | 06/30/25 | 10-Q | |
04/24/25 | 03/31/25 | 10-Q | |
02/24/25 | 12/31/24 | Unknown | |
10/25/24 | 09/30/24 | 10-Q | |
08/08/24 | 06/30/24 | 10-Q | |
04/26/24 | 03/31/24 | 10-Q | |
02/23/24 | 12/31/23 | 10-K | |
10/27/23 | 09/30/23 | 10-Q | |
08/04/23 | 06/30/23 | 10-Q | |
04/28/23 | 03/31/23 | 10-Q | |
02/24/23 | 12/31/22 | 10-K | |
10/27/22 | 09/30/22 | 10-Q | |
07/28/22 | 06/30/22 | 10-Q | |
04/28/22 | 03/31/22 | 10-Q | |
02/18/22 | 12/31/21 | 10-K | |
10/27/21 | 09/30/21 | 10-Q | |
07/28/21 | 06/30/21 | 10-Q | |
04/29/21 | 03/31/21 | 10-Q | |
02/19/21 | 12/31/20 | 10-K | |
10/23/20 | 09/30/20 | 10-Q | |
07/24/20 | 06/30/20 | 10-Q | |
04/24/20 | 03/31/20 | 10-Q | |
02/21/20 | 12/31/19 | 10-K | |
10/25/19 | 09/30/19 | 10-Q | |
07/26/19 | 06/30/19 | 10-Q | |
04/26/19 | 03/31/19 | 10-Q | |
02/25/19 | 12/31/18 | 10-K | |
10/26/18 | 09/30/18 | 10-Q | |
07/27/18 | 06/30/18 | 10-Q | |
04/27/18 | 03/31/18 | 10-Q | |
02/23/18 | 12/31/17 | 10-K | |
11/07/17 | 09/30/17 | 10-Q | |
08/02/17 | 06/30/17 | 10-Q | |
04/28/17 | 03/31/17 | 10-Q | |
02/28/17 | 12/31/16 | 10-K | |
10/28/16 | 09/30/16 | 10-Q | |
07/29/16 | 06/30/16 | 10-Q | |
04/29/16 | 03/31/16 | 10-Q | |
02/26/16 | 12/31/15 | 10-K | |
11/02/15 | 09/30/15 | 10-Q | |
07/31/15 | 06/30/15 | 10-Q | |
05/01/15 | 03/31/15 | 10-Q | |
03/02/15 | 12/31/14 | 10-K | |
10/31/14 | 09/30/14 | 10-Q | |
08/08/14 | 06/30/14 | 10-Q | |
04/28/14 | 03/31/14 | 10-Q | |
02/21/14 | 12/31/13 | 10-K | |
10/25/13 | 09/30/13 | 10-Q | |
07/26/13 | 06/30/13 | 10-Q | |
04/26/13 | 03/31/13 | 10-Q | |
02/22/13 | 12/31/12 | 10-K | |
10/26/12 | 09/30/12 | 10-Q | |
07/27/12 | 06/30/12 | 10-Q | |
04/27/12 | 03/31/12 | 10-Q | |
02/24/12 | 12/31/11 | 10-K | |
10/28/11 | 09/30/11 | 10-Q | |
07/29/11 | 06/30/11 | 10-Q | |
04/29/11 | 03/31/11 | 10-Q | |
03/07/11 | 12/31/10 | 10-K | |
10/29/10 | 09/30/10 | 10-Q | |
08/05/10 | 06/30/10 | 10-Q | |
04/30/10 | 03/31/10 | 10-Q | |
03/03/10 | 12/31/09 | 10-K | |
10/30/09 | 09/30/09 | 10-Q | |
08/05/09 | 06/30/09 | 10-Q | |
05/11/09 | 03/30/09 | 10-Q | |
03/16/09 | 12/31/08 | 10-K | |
11/07/08 | 09/30/08 | 10-Q | |
08/18/08 | 06/30/08 | NT 10-Q | |
05/12/08 | 03/30/08 | Unknown | -- |
04/11/08 | 12/31/07 | NT 10-K | |
11/07/07 | 09/30/07 | 10-Q | |
08/09/07 | 06/30/07 | 10-Q | |
05/08/07 | 03/30/07 | Unknown | -- |
03/09/07 | 12/31/06 | 5 | |
11/14/06 | 09/30/06 | NT 10-Q | |
08/09/06 | 06/30/06 | 10-Q | |
05/10/06 | 03/30/06 | Unknown | -- |
03/08/06 | 12/31/05 | 5 | |
11/09/05 | 09/30/05 | 10-Q | |
08/09/05 | 06/30/05 | 10-Q | |
05/10/05 | 03/30/05 | Unknown | -- |
03/15/05 | 12/31/04 | 10-K | |
11/09/04 | 09/30/04 | 10-Q | |
08/06/04 | 06/30/04 | 10-Q | |
05/10/04 | 03/30/04 | Unknown | -- |
03/15/04 | 12/31/03 | 10-K | |
11/13/03 | 09/30/03 | 8-K | |
08/14/03 | 06/30/03 | 8-K | |
05/15/03 | 03/30/03 | Unknown | -- |
03/31/03 | 12/31/02 | 5 | |
11/13/02 | 09/30/02 | 10-Q | |
08/14/02 | 06/30/02 | 10-Q | |
05/14/02 | 03/30/02 | Unknown | -- |
02/22/02 | 12/31/01 | 8-K | |
11/14/01 | 09/30/01 | 10-Q | |
08/14/01 | 06/30/01 | 10-Q | |
05/15/01 | 03/31/01 | DEF 14A | |
03/29/01 | 12/31/00 | 10-K | |
11/14/00 | 09/30/00 | 10-Q | |
08/10/00 | 06/30/00 | 10-Q | |
05/11/00 | 03/30/00 | Unknown | -- |