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Colin Lambie

Research Analyst at Wells Fargo & Company/mn

Colin Lambie is a Principal on the Direct Lending team, specializing in underwriting and monitoring European direct lending transactions. He covers mid-market private equity sponsors and has successfully executed numerous deals across Europe, contributing to the firm’s robust investment track record. Lambie began his career at Goldman Sachs in Debt Capital Markets and Leveraged Finance, later becoming a founding partner at Beechbrook Capital and serving as Principal at Apollo Global Management before joining his current firm in 2022. He holds a BA in Business Administration with a concentration in Finance from Morehouse College, demonstrating comprehensive expertise in credit and investment analysis.

Colin Lambie's questions to LITHIA MOTORS (LAD) leadership

Question · Q3 2025

Colin Lambie asked about the SG&A to gross profit ratio, noting its trend towards the high end of targets and inquiring if it could hold steady in Q4 despite seasonal increases, or if a more muted sequential increase is expected. He also asked about the longer-term outlook for SG&A.

Answer

Bryan DeBoer, President and CEO, stated that the company's primary goal is to achieve $2 of EPS for every billion dollars of revenue, and that SG&A is managed on a net profit and top-line basis. He acknowledged that SG&A is dictated by volume and GPUs, and while not providing specific Q4 guidance, he emphasized that the entire foundation for achieving their long-term targets is built, and they are 'just getting started.'

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