Canadian Tire (CTC) Investor Presentation summary

Company overview and strategy

• Iconic, trusted omni-channel retailer with a strong national presence and deep local knowledge, serving over 41 million Canadians through 1,400+ locations and 35M+ sq ft of retail space.

• True North strategy, launched in March 2025, focuses on data-driven customer relationships, technology and AI, core retail growth, expanded loyalty, and disciplined capital allocation.

• Streamlined operating model with new executive roles to drive transformation and efficiency.

• Enhanced ESG priorities, including GHG reduction, diversity, and responsible sourcing, with 1,736 supply chain audits in 2024.

• Committed to supporting communities, with over 4 million kids helped through Jumpstart.

Financial performance and growth

• Retail revenue (ex-petroleum) grew at a 3.6% CAGR since 2019, reaching $14.1B in 2024; gross margin rate remained strong at ~35%.

• Retail sales CAGR of 3% and normalized diluted EPS CAGR of 3% over the past decade.

• Owned Brands sales grew at a 6% CAGR from 2016–2023, with a 37% penetration rate in 2024.

• Financial Services business with $7.6B in receivables, steady pre-tax profits, and 1.5% CAGR in active credit card accounts since 2008.

• Dividend per share grew at a 14% CAGR since 2015, with 15 consecutive years of increases; 25% reduction in shares outstanding since 2015.

Competitive advantages and market position

• Holds 15% market share in a fragmented Canadian retail landscape, with no direct competitor matching its breadth.

• Leading positions in automotive, living, seasonal, and industrial apparel categories; Mark's and SportChek are top players in their segments.

• Strong supply chain with 14 distribution centres and over 10M sq ft, enabling cost-effective product flow and resiliency.

• World-class marketing, customer analytics, and a top-tier loyalty program (Triangle Rewards) with 11.7M members and 54% sales penetration.

• Digital reach is second among Canadian retailers, with robust app adoption and high customer satisfaction scores.