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SEGMENTS
 9 Months Ended
Sep. 30, 2023
Segment Reporting [Abstract]  
SEGMENTS SEGMENTS
We operate in two reportable segments: Vehicle Operations and Financing Operations. Our Vehicle Operations consists of all aspects of our auto merchandising and service operations, excluding financing provided by our Financing Operations. Our Financing Operations segment provides financing to customers buying and leasing retail vehicles from our Vehicle Operations.

All other remaining unallocated corporate overhead expenses and internal charges are reported under “Corporate and Other”. Asset information by segment is not utilized for purposes of assessing performance or allocating resources and, as a result, such information has not been presented.
Certain financial information on a segment basis is as follows:
 Three Months Ended
September 30,		Nine Months Ended
September 30,
(in millions)2023202220232022
Vehicle operations revenue$8,277.0 $7,295.7 $23,368.0 $21,241.3 
Vehicle operations gross profit1,371.3 1,314.2 3,968.2 3,943.3 
Floor plan interest expense(40.2)(10.7)(102.6)(19.4)
Vehicle operations selling, general and administrative(915.5)(841.6)(2,587.6)(2,472.4)
Vehicle operations income415.6 461.9 1,278.1 1,451.5 
Financing operations interest margin:
Interest, fee, and lease income72.4 32.8 190.3 82.2 
Interest expense(42.5)(13.3)(125.5)(23.3)
Total interest margin29.9 19.5 64.8 58.9 
Selling, general and administrative(9.2)(8.1)(27.3)(22.6)
Total pre-provision income20.6 11.4 37.5 36.3 
Provision expense(23.1)(14.5)(75.0)(25.5)
Depreciation and amortization(2.0)(1.5)(6.3)(7.1)
Financing operations (loss) income(4.4)(4.6)(43.8)3.7 
Total segment income for reportable segments411.2 457.3 1,234.2 1,455.1 
Corporate and other64.7 87.4 129.5 181.1 
Depreciation and amortization(50.8)(40.5)(146.4)(115.0)
Other interest expense(58.5)(36.3)(141.5)(90.8)
Other income (expense), net(5.3)(12.2)6.8 (36.6)
Income before income taxes$361.3 $455.7 $1,082.6 $1,393.9