Canadian Tire (CTC) Investor presentation summary

Company overview and strategy

• Iconic omni-channel retailer with a strong national presence and deep local knowledge, serving over 41 million Canadians through 1,400+ retail locations and 500+ associate dealers and franchisees.

• True North strategy focuses on driving shareholder value, retail growth, and market share through investments in omnichannel experience, store modernization, and technology.

• Committed to ESG priorities, including climate action, diversity, responsible sourcing, and strong governance.

• Leading loyalty program (Triangle Rewards) with 12.2 million members and 56% of retail sales linked to loyalty, leveraging rich customer data for engagement and monetization.

Financial performance and growth

• Retail sales grew at a 3% CAGR from 2016–2025, with normalized diluted EPS up 5% CAGR over the same period.

• Owned Brands sales grew at a 5% CAGR since 2016, reaching a 37% penetration rate in 2025.

• Retail gross margin (ex-petroleum) remained stable around 35%, supported by pricing, owned brands, and supply chain efficiency.

• Financial services business delivered steady pre-tax profits and receivables growth, with $7.8B in receivables and $1.6B in dividends to the parent over five years.

Competitive advantages and market position

• Holds 36% market share in a fragmented Canadian retail landscape, with no direct competitor matching its breadth of categories.

• Strong brand equity, world-class marketing, and advanced analytics drive customer insights and engagement.

• Centralized supply chain with 14 distribution centers and over 10M sq ft enables cost-effective product flow and crisis resilience.

• Leading positions in key categories such as automotive, living, seasonal, and sports, supported by owned brands and partnerships.