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AutoNation Finance Income (Loss) (Tables) | 12 Months Ended
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Dec. 31, 2024
AutoNation Finance Income (Loss) [Abstract] |
AutoNation Finance Income (Loss) | The following table presents the components of AutoNation Finance income (loss):
|  | 2024 |  | 2023 |  | 2022(1)
Interest margin: |  |  |  |  |  |
Interest and fee income |  | $ | 118.4 |  |  | $ | 84.0 |  |  | $ | 20.6 |
Interest expense |  | (39.8) |  |  | (20.8) |  |  | (4.7) |
Total interest margin |  | 78.6 |  |  | 63.2 |  |  | 15.9 |
Provision for credit losses |  | (57.5) |  |  | (45.9) |  |  | (44.0) |
Total interest margin after provision for loan losses |  | 21.1 |  |  | 17.3 |  |  | (28.1) |
Direct expenses(2) |  | (37.8) |  |  | (39.3) |  |  | (9.5) |
Gain on sale of auto loans receivable |  | 7.4 |  |  | 8.1 |  |  | — |
AutoNation Finance income (loss) |  | $ | (9.3) |  |  | $ | (13.9) |  |  | $ | (37.6) |
(1) Reflects activity that occurred after the acquisition of CIG Financial on October 1, 2022. Provision for credit losses includes initial credit loss expense of $34.2 million associated with the auto loans portfolio acquired as part of the acquisition.
(2) Direct expenses are comprised primarily of compensation expenses and loan administration costs incurred by our auto finance company.

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- Definition Tabular disclosure of the components of AutoNation Finance income (loss). + References No definition available. + Details
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