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Earnings Call Transcripts

Cars.com Inc.

CARS
Quarters2 Quarters
ContentQ&A Sections
SourceEarnings Conference Call
Quarter 1

Q1 2026 Earnings Call — May 7, 2026

Analyst Tom White (D.A. Davidson): One on AI, and then I have a follow-up. But, Toby, I was hoping maybe you could share your latest thoughts on how you feel about the prospect of consumers increasingly relying on the horizontal LLMs and increasingly maybe sort of personal agents to help them shop for cars and what does that mean for cars.com's ability to kind of interface directly with consumers? And are there ways that you guys can maybe make your business more resilient or sort of better positioned for that sort of future, you know, maybe by making some of your data sort of more proprietary or protected or anything else? Thanks.

Executive Toby (Title): Yes, we do think that we are in a highly relevant space because car purchasing is very complex and we have data accumulated over the past 20 plus years. As we talked over during this call, we make that data more discoverable, which we're in the midst of that. We've made some great progress there. And then we have a great brand, which is also something that we see increasingly become more important that the people start initially at a high level searching, but then once they're getting down into deeper funnel metrics, they do rely on the branded context and the branded information that comes from cars.com. Big picture automotive is obviously a complex industry and it requires deep vertical expertise. A car is the second largest purchase for consumers and obviously the vast majority of consumers spend time researching in depth, actually on average eight to nine hours. And we have a great brand, and we are in the process of making it more discoverable and bringing it up front to the site and the site experience. So that will be a major focus for our future product development. Let me just add, it's also in the spirit of I talked about the interconnectivity, so that's why it's so important to interconnect everything as opposed to routing in siloed subsidiaries. So that's actually what we're doing underneath the platform and across different data silos. Thank you.

Analyst Tom White (D.A. Davidson): Maybe just a quick follow-up on AccuTrade and probably maybe just get a bit more color on kind of what's happening there. I think you mentioned subscribers down sequentially. Is there, you know, is there maybe any seasonality happening there? Is what's happening with subscribers sort of a function of just the automotive backdrop more generally, or is this sort of more of a product market fit thing that you guys, you know, sort of plan to work through maybe via bundling it with kind of core marketplace, just a little bit more color on what's happening at Accutrade? And then I'll get back into you. Thanks.

Executive Toby (Title): Yeah, I want to be very transparent. We're in the midst of rearranging and refocusing to work in more interconnected experience and more interconnected product. And that means that we are de-emphasizing the standalone solution as opposed to really bundling it up and making this part of an integrated marketplace experience. So we have a pretty exciting product roadmap. You'll hear more over the next couple of months and quarters. There's a lot in the making. And that's why you see, you know, temporarily maybe the numbers going down a little bit because we're de-emphasizing again on just selling standalone solutions as opposed to making this an integrated part. So I wouldn't call this like a trend in the industry or anything. It's more the result of what we're doing internally, and I would say it's according to plan. Thanks.

Analyst Rahat Gupta (JP Morgan): Could you clarify the MCP integration opportunity? How many agentic AI platforms is connected? What does that usage funnel look like in terms of unit quality for dealers? I have a quick follow-up. Thanks.

Executive Toby (Title): Right now, it's just one, and we're working towards other opportunities and channel integrations, but that's just with the chat GPT. But again, we also mentioned the traffic is well below 1%.

Analyst Rahat Gupta (JP Morgan): And, you know, it looks like OEM and national is coming in weaker than expected, you know, both in 1Q, you know, including the 2Q guidance that Sonia had mentioned. But it seems like you feel comfortable reiterating, you know, the margin guidance. Is it just the cost outs that are offsetting some of the drop through from the OEM national weakness? I'm curious if any other call you could give and also an update on the OEM and national FOIA guidance. I think the previous outlook was for flat year over year.

Executive Sonia (Title): I think in terms of the margin guidance, certainly some of the actions that we took in April were helpful. And in addition to that, we continue to be focused on driving efficiencies in the business. I think you heard Toby talk a little bit about the shifts that we're making in terms of marketing and focusing on lead generation versus solely kind of these top of funnel metrics. At the end of the day, that's what dealers really value from us. And so those are some of the levers we have at our disposal to deliver on margins in addition to, over time, the interconnected nature of the platform will naturally lend itself to more efficiencies. And Marketplace, in and of itself, is also a fairly high-margin business.

Analyst Marvin Fong (BTIG): I guess I'd like to start just to dive a little deeper into the solutions business. I think you did describe entering a new phase of growth there. Just any commentary on that? Should we expect the counts of solutions customers to continue to decline for a few more quarters here? I think last call, we talked about how some dealers are striking out on their own, developing their own kind of solution. Is that dynamic still up right here? Just some additional commentary would be great.

Executive Toby (Title): Yes, I do think we are entering a slightly different phase of growth. We've talked about it a little bit over the last several quarters, which is initially on websites in particular. As we got onto OEM programs, we have the opportunity for rapid market share gains, and the business is really switching to a mode where it's not just about unit count growth. It is, in fact, even more important to think about the packages that we're putting forward to dealers, and how we integrate some of what we're doing from an innovation perspective and improvements and enhancements perspective into these packages. So it becomes a little bit more basically of an ARPD game.

I think we certainly would like to see that unit count number stay stable over a longer period of time with maybe some modest upward improvement, but we feel pretty good about some of the steps we've taken over the last several quarters, improvements we're making in site speed, enhancements that we think we're somewhat uniquely bringing to market on the security side of things to improve the technical performance of websites, not to mention being able to integrate some of what we've done for Marketplace with solutions. So a good example of that are, you know, how we can leverage Carson, the Marketplace AI assistant, to enable experiences on DI websites in a more intuitive way, how we can take AI videos, which we launched as part of our IMV product, and bring that also over to the dealer website experience. So I think, you know, things don't always move as linearly as you would like them to, but we believe that we're making the right steps or taking the right steps to continue to grow websites.

Analyst Marvin Fong (BTIG): And then my follow-up question, just from the repackaging, I just wanted to more fully understand how that's going to roll out. The last time there was a major repackaging, there was some dealership. Granted, I believe that was also an embedded license. But just how you're thinking about or how we should think about you know, dealer counts as you roll out the new set of packages, do you expect there to be a period of some choppiness, or do you think you can just start growing the dealer base right out of the gate as you roll out these new packages? Thanks.

Executive Sonia (Title): Yeah, I think in terms of what we saw in dealer count this quarter, the decline that we saw was largely related to solutions, and as I sort of alluded to, we do believe we have a pretty robust plan on how to tackle that. The goal is to grow dealer count. It is critical to how we think about continuing to grow our marketplace business. Growing dealer count is one of those things that brings more inventory to us. It's one of the things that then brings more consumers to us. And so it's naturally just important to how we think about marketplace flywheel dynamics. I think critical to our ability to grow dealer accounts is how we go to market with more interconnected solutions. There's a lot on the product roadmap that we're excited about. Toby alluded to it earlier, which is, you know, the integration of AccuTrade and Marketplace is something that puts really powerful data tools in the hands of dealers and allows them to manage one of their biggest assets more effectively, which is inventory.

Executive Toby (Title): Maybe let me just add what Sonia mentioned. Historically, this has been not the center of gravity for the company. So by just looking at the market and in terms of what the different segments are in the customer penetration we have and dealership penetrations in those segments. We just feel there's a lot of room for us to grow. But we need to treat the product. We need to have the right product fit to really cater towards the needs of the dealers. And it's not just a two or three different product types. It's more like, you know, there's six to eight different product types going forward. So that's what we're working behind the scenes. So to sum it all up, we do believe there's significant headroom for us to grow. At the same time, we do not want to, you know, create the impression that all of a sudden overnight a number of dealers will jump through the roof. This is a concentrated effort that will take a couple quarters, but it's going to be product-led and product-first and data-first and AI-first, and that's what we're working on.

Analyst Gary Pastapina (Barrington Research): One dealing with the cost savings, Sonia. You're saying you annualized the $25 to $30 million for 2027. Is that an absolute number that we should expect to capture as we model this? And where are those costs coming out of? Is it SG&A, Cost of Goods Sold? Can you help us out there?

Executive Sonia (Title): So I think that is the 25 to 30 is kind of the discrete value on an annualized basis of the changes that we announced in April. It doesn't necessarily mean a $25 to $30 million year-over-year step down, if that's kind of your question. But what it does enable us to do is be more thoughtful about reallocation in the business as we work to build out more of the interconnected nature, the interconnections to marketplace. In terms of where the costs are coming out of, you know, they're distributed across the lines of our P&L. We took a hard look across the business. You know, whether it's operations, product and technology, marketing and sales, G&A, those were all important areas for us to look at. How can we simplify our go-to-market process? How can we foster, you know, from a product and tech perspective, more of the interconnectivity? Tools have obviously improved also really materially over the last couple years that allows us to work more efficiently. And then reducing layers in the organization is also really important as a way to speed decision-making. So those are some of the changes that we made.

Analyst Gary Pastapina (Barrington Research): Okay, that's helpful. And then just a question, Toby, as you're going out to market with an integrated sales product offering, you're going to bundle it, right? I would assume that will drive an increase in average revenue per dealer just from bundling. But at the same time, does that preclude a salesperson from going into a dealership and also selling a single-point solution? I guess, are they still going to have the autonomy to sell a single-point solution, or you have to bundle in order to get, you know, the full ball of wax from cars.com?

Executive Toby (Title): It's a great question. You know, it's the tradeoff, but by and large, we would say point solutions will be de-emphasized and not because they're not important, but just because you need to understand the holistic nature of a dealership infrastructure and there's many systems that are in process and replacing one by one is a much harder sell and it's much less convenient for dealers than coming in with the core, which is we are a marketplace partner. It's very easy to interact with us. It's very simple to get activities going, i.e. listings. It's very easy then to just activate or deactivate certain features that come as an embedded function with that marketplace integration. So that's the way how we're thinking about it. We want to make it as easy as possible for the dealers to use different features and dependent on what their needs are, as opposed to you've got to use this one solution only and we are competing with two or three other legacy systems that are in place. So that's our high-level strategy. So in a nutshell, is it allowed to still sell point solutions? Will we still sell point solutions? Yes, if it makes sense and if there's a very specific need by a dealer, but the broad stroke strategy will be we are leading with Marketplace, and we'll provide an interconnected experience.

Analyst Navitan (BWiley Securities): Just a couple of questions from me. One, maybe just on the website business, I saw a decline in dealer customers, and I think last time around, or Q4, I think you said it may be a passing trend, or just more noise than anything, but is there a change in the competitive dynamics or is there something else going on that's causing this sequential decline again in the website customer count and what are the things you can do to kind of correct it? And then the second question I had is just around the organic traffic around 60% where it has been historically but as more and more traffic goes to AI overviews, AI mode and things like that. What are the things that you can do on your end to stay in that organic result mix that the technology, you know, that the top of the funnel providers are kind of unleashing for everyone? Thank you.

Executive Toby (Title): You know, I'll start with the website question. So I do still think some of this is a little bit of noise. We are entering, and we've talked about it for the last couple quarters, a slightly different phase of growth for websites. We initially grew through pretty significant market share gains as we got onto OEM programs and had the ability to bring in a significant number of dealers at a time. That dynamic has shifted a little bit since we're basically on program with everybody. The dealer acquisition side is coming in in smaller pieces. It's still there in terms of a very active launch pipeline. But what we're focused on more is not necessarily unit growth. It is how do we think about the packages that we're putting forward to market and how do we think about more interconnectivity between marketplace and website, specifically leveraging innovation happening in the marketplace side of our business and putting it onto dealer websites to make those tools available? Carson is a good example, person conversational search for dealer websites, bringing AI videos to dealer websites, not having it solely be a marketplace product.

Those are some of the things that we're excited about. And there is a real opportunity for us to continue to push website customers into higher tier packages since 50% of them are still in the base package. So we feel good about this business. We have a solid foundation. Sometimes there are going to be flicks when it comes to, you know, the tradeoff of volume and ARP. But I think it's largely noise at this point.

Regarding your second question about the traffic, let's just put things in context. We love the discoverability with LLMs, but the traffic is well below 1%, and we do know what people are searching for, and we do know that it's a really great tool and a really great entry point for very high-level searches. But again, we got the advantage. We are in a highly complex industry, where it really matters on a purchasing intent and decision journey to go deep into the specificities of a particular vehicle. And that's where our strengths come into play. So you will see us being focused more on leads and the right leads and investments and reallocation towards generating those leads in the future than pure traffic. So I guess the punchline is, whereas in the past, we were chasing traffic and visitors only as a key metric, we'll now focus more on the right leads because if you think this through as part of an interconnected marketplace experience, it means that we need to get the lead allocation, lead generation right because smaller dealers have completely different need for specific leads than larger dealerships which are driven by the value they propose and the vehicles they carry. So that's to summarize our opportunity also in context of AI.

Analyst Joe Spack (UBS): I just want to go back to some of the OPEX comments and maybe get a better understanding for the trends. Because I know, you know, you mentioned OPEX was down a lot year over year, but really it was DNA, right? Which I think was sort of a result of some of the actions in the fourth quarter. So that's just sort of the lower trend. And you still had, you know, like, you know, GNA up year over year. So maybe back to the earlier questions, like how should we expect maybe some of the individual line items between product, marketing, G&A to sort of really trend here over the balance of the year?

Executive Sonia (Title): You're right to point out that a lot of what we saw on a year-over-year basis in operating costs was really tied to G&A. I think there are two pieces there. One is just some customer lists that were part of the spin. We fully amortize those. So that's kind of like a permanent step down. And then there's some of the reduction is also due to the accounting for our office leases. You won't see the benefit of the April actions in our Q1 numbers. So that's going to start trickling through and flowing through our numbers in Q2. The majority of the actions took place in April. Some of them are in May. So even in Q2, you don't see necessarily the full benefit of what we're doing, but it is reflected in the guidance numbers that we've put out both for Q2 and on a full-year basis. With regards to GNA, I do recognize it looks a little bit maybe wonky, the GNA trend for Q1. But at the end of the day, we're talking about pretty small delta on a year-over-year basis. Most of this was tied to some, again, a couple different discrete items, third-party costs, things like that, that had a blip. We would ultimately, on a longer-term basis, expect to get leverage out of the GNA line. And transparently, we would expect to get leverage across our P&L. So that's the goal in terms of driving expanded margin in the business.

Analyst Joe Spack (UBS): And you know, it mentioned that dealer advertising in 2025 was up, like, high single digits, and then they sort of break down where that's spent, and, you know, third-party listings, you know, is 20%, so one of the larger buckets, but it was actually down a point versus 24, so overall growth, third-party listings share down a little bit, and I'm not exactly sure, to be honest, how they're bucketing it and how I should sort of compare that to your business, whether it's sort of that display advertising and other line that is sort of most relevant. But if it is, you grew pretty nicely within that sub-revenue line in, I guess, what was implying there's sort of, I guess, decent share. So I don't know if you could sort of just help me put into context, like, how you think you're performing within some of those high-level dealership spending metrics, and which line really, you know, should we be looking at?

Executive Toby (Title): Thanks for your question. Maybe just a more generic response to your question. We think we should do better, and we think that the market is attractive. We don't see any major headwinds from a dealership perspective or massive changes in behavior. But we do see the opportunity for cars to grow by having a better product fit and tailoring it towards the needs of the dealers. Again, going back to selling five, six and point solutions as opposed to, hey, here's what we can do. And by the way, here's how we are combining those assets. Imagine, you know, the dealer website and the inventory that's listed on that and a subscription that we have on marketplaces. And imagine just that there was some sort of a connection, which by the way, in the past, we didn't have. Those were siloed solutions. So from a dealer's perspective, you look at this from a budget and you're like, okay, I got a dealer website that cost me. I got listings there. I got my own listings. I got listings on third parties. But I look at this entire bucket of expenses and you're like, oh, okay, great. Now I have a partner who can actually drive efficiency and bring synergies to the table. So that's why we think we have headroom. So we actually don't think that there's a major change in our hands to make this work and grow.

Analyst Doug Arthur (Uber Research): Did website management grow in the quarter? And I realize in the integrated strategy you've got, it might not be as relevant a number. But was that up quarter over quarter, number of desktops?

Executive Sonia (Title): I think if you're asking about website units, we did see some volatility in that number, so they were down a little bit on a year-over-year and quarter-over-quarter basis.

Management: There are no questions

at this time.

This concludes today's conference call. Thank you for your participation.

Quarter 2

Q4 2025 Earnings Call — February 26, 2026

Analyst: Tom White (Dave Davidson): Good morning, everyone, and welcome aboard, Toby. I guess, first one, just on the plan to kind of refocus your priority on marketplace. I think you talked about kind of getting the flywheel going, and I heard some discussions about product. Curious how marketing investments and audience growth might play into that this year and how you're thinking about that and then I've got a follow-up on AI.

Management: Hi, thank you for your question. Nice to meet you over phone. Yes, we're refocusing on marketplace fundamentals which is literally what we just talked about which is focused on getting the right inventory and driving engagement and that means that it's not a lack of marketing that we're currently doing. It's just a lack of focus. We will just refocus on really being centered around the marketplace fundamentals as opposed to driving other isolated solutions. So the current plan foresees that we're not going to dial back on marketing investments, but it's going to be more focused and centered around the marketplace flywheel. Thank you.

Analyst: Tom White (Dave Davidson): Okay, great. And then just on AI, you know, a lot of marketplace companies are getting this question from investors. It poses opportunities and risks and the investors seem more focused on kind of the risks that relate to disintermediation and the companies, you know, sort of touting the opportunities if they can kind of incorporate AI into their businesses. Just curious how you envision AI and agentic AI kind of evolving in this space and kind of automotive.

Management: Sure. Thank you. So just starting with the big picture, we probably agree that automotive is a pretty complex industry that requires deep vertical expertise. Also from a shopper's perspective or consumer's perspective, the car is really the second largest purchase for consumers. And that means that the vast majority of consumers spend a lot of time researching in-depth. Now, the researching in-depth is exactly where we play a competitive role because we have data and we've accumulated the data over the past 25 years. We have it at a local level, we have it at a customer level, we have it at a VIN level. And there's an opportunity to really accompany that research for consumers and then drive through attribution models a very unique value prop that we believe is very hard to replicate in being this intermediate. Now, will AI play a significant role in our vertical? Absolutely. Now, are there a couple of things to think through, how it all evolves? As I guess nobody on the call really knows what will happen next. Absolutely. But we feel confident about our opportunity because we also have something that's key for any LLM and any future AI, which is the brand. And LLMs will always have to revert back to the brand, especially for those consumer verticals that are so deeply engraved in the capital household spend. So more to come on that. Thank you.

Analyst: Tom White (Dave Davidson): Great. Thanks. I'll get back in the queue. Appreciate it.

Analyst: Nayib Khan (O'Reilly Securities): Thank you very much. Two questions from me. Maybe just on the new product launched recently at NADA, you know, you showcased the AccuTrade IMS and the market area expansion and video ads. I'm wondering what is contemplated in your annual guide in terms of contribution from these new products? And Toby, when you talked about accelerating the growth for the company up from the low single digits into some higher phase. What kind of timeframe do you have in mind? Do you expect that to show up in 2027 or are you thinking about two to three years from now? Just use your thoughts there. The second question I had is just around the website customer count. I think it's a decline quarter and quarter in Q4. Is there any seasonality there, or were there any changes that kind of led to this decline? Any clarification that would be helpful? Thank you.

Management: Maybe, thanks for the questions, Nayib. Maybe to start out with the NADA product launches, both, you know, IMS market area expansion, are AI-based VIN videos. Those are incorporated into our guidance. They're obviously new products, right? So they're going to take some time to scale. I would also tell you that the sales cycle for each one of these is going to be slightly different. Market area expansion, AI-generated videos, you know, those are relatively familiar into our existing product suite, right, of media solutions and marketplace-attached products. I would say the IMS sales cycle is going to be a little bit different because it is so core to kind of dealer operations. So you can expect a different sales cycle, but they're already captured in terms of our full-year guide for 2026. I think you had a second question related to website customer count. I think I would say one of the things we're observing is that some of the dealer groups, and I think you've seen this periodically, they want to strike it out on their own with some of their technology solutions.

We find that in many cases that even though they have this ambition to building kind of the full service suite that includes things like information security, integration with third parties, it's hard to do on your own. And so I don't think there's like any specific seasonality or any broader sort of long-term concern or trajectory. We would expect many of these dealers to come back to us over a period of time as they kind of test and find the value in the products that we have and can bring to bear. Thank you, Sonia.

Analyst: Rajat Gupta (JPMorgan): Great. Thanks for taking the questions. Just wanted to clarify, you know, as a follow-up to Naved's question around the websites. I mean, is there like a different phenomena potentially this time where, you know, the dealers might be opting to maybe test out some of these agentic AI tools to build out these websites? I'm curious if that is something that you're seeing or this is just like how you described it, whether you're just trying to attempt it, you know, through other areas to build out these websites and services. I'm curious if that is a risk that you see to the business, and how would you navigate that? I have a quick follow-up.

Management: Hi. Thanks for your question. I'll take this. So if you think about the website business and a dealer taking on their own website, this has gotten a lot more complicated than a year ago or even two years ago. The number of changes that the OEMs are posing, the requests that you're getting from a fraud and security standpoint, the fraudulent AI bots that are out there opposing a new threat. So we actually view this as an opportunity because obviously by consolidating and operating this from a sheer size and volume perspective, there's advantages. So yes, absolutely. We are embedding AI tools. We make those available to those dealers. And again, the punchline here is this business is getting a lot more complex if you want to solve for that on your own, as opposed to having someone like ourselves providing an end-to-end solution. So yes, we are already integrating more and more AI features, and we're also getting some great feedback on some of the roadmaps that we've planned for the website business. Thanks.

Analyst: Rajat Gupta (JPMorgan): Understood. Thanks for that, Kalar. And then maybe if you could help us a little bit, you know, and thanks for all the candid assessment about the business and, you know, the areas you want to focus. But we're curious, you know, with the pickup in product and technology expenses and also the sales and marketing side, is there a timing or a timeline you can provide us on when you expect growth to start reaccelerating, you know, not from 1% to 2%, but maybe more in the mid-single digit type range or higher. I'm curious what kind of visibility do you have already on here? Thanks.

Management: Yes, sure. So as I've mentioned, I'm now six weeks into the journey. And as you know from the history of the company, the company has acquired a few other assets and companies. And I do expect that over the course of this year, which is, by the way, baked into our guidance that we just provided, we will make significant progress. But as you know, organizational improvements, system improvements, platform integration, data integration, process integration take some time. So when we said we would like to deliver a higher growth rate going forward, we're not talking about five years out. We're talking about a short to medium term outlook. But obviously this year today just focuses on 2026. And that's fully baked in what we just talked about and what Sonia shared in terms of guidance. But to be very concrete, it's obviously our ambition and it's the expectation to drive further growth following 2026. And it's not five years out. It's rather, you know, two years out than five years. So that's probably the summary I can share. Thank you.

Analyst: Marvin Fong (BTIG): Great. Good morning. Thanks for taking my questions. Welcome, Toby. The first question probably for you, Toby, is just wanted to get a little deeper on what you were saying about prioritizing marketplace, more integration, and things like that. So should we take that to mean, or how do the kind of ancillary products like AccuTrade, Dealer Club, and Website Solutions, I mean, will those continue to sort of be standalone products in this new vision, or do you envision sort of integrating those into like a unified subscription system? And then second question, just on the full year guidance, I mean, should we sort of think about the algorithm as being dealer revenue up to two to three points and advertising on a consolidated level, you know, detracting about a point of growth? Is that the right way to think about it? And just sort of like a little more explanation on what you're envisioning for the trajectory of OEM growth will be kind of flattish in absolute dollars throughout the year. Anything on that would be great. Thank you.

Management: Hi, Marvin. Thank you. I'll start with the first question, and I'll hand it then over to Sonia. When we talk about a deeper marketplace integration, we really mean the fact how we're able, on the other hand, like as a dealer, to experience the solution. There is a difference, I hope you would agree, whether you're selling four different solutions and you're basically showing up at a dealer's location and you say, look, I want you to use AccuTrade. I want you to use Dealer Club. I want you to use Marketplace. Oh, and by the way, there's also a great media play that we have that we would like you to use. As opposed to, imagine a world where, yes, you are unified as part of our subscription service and you have the opportunity to seamlessly use, let's say AccuTrade, because it becomes part of your listing service. So imagine a world where maybe there is a listings product, which is part of your membership or subscription service, be it a Premier Plus or Premier Plus Plus.

Well, all of a sudden, with just one click, you can actually activate AccuTrade and it allows you to run whatever 30 to 100 or 100 to 200 appraisals as an integrated part of your subscription service per month. That is a different value prop and it's easier and more convenient to consume as opposed to having three to four different applications where you need to train everyone and where you need to make sure that you have a separate subscription plan. So yes, what we mean by that is a deeper integration when it comes to delivering the value prop from a dealer's perspective. What we also mean a deeper integration from a point of view which is it's tied back to the marketplace experience, which means there's a lot of attribution modeling that we can do. There's a lot of data enhancement that we can do, which we will target towards individual dealerships and membership products, where I think, based on the assessment, what I've seen, we can improve and we can do better. So it doesn't mean that we are not selling standalone, but it means that we are prioritizing the bundling and the integration over a standalone solution, if that makes sense.

And second question, I will hand it over to Sonia.

Management: Thank you. Marvin, regarding the full year guide, I think, you know, I would say directionally kind of correct, maybe a little bit of nuance in that I would probably say OEM is expected to be flat to down on a full year basis. And like very specifically for Q1, we do expect, you know, coming out of Q4, and you can kind of see what those Q4 numbers look like. We're expecting a similar sort of trajectory heading into Q1. And we will hope like over the course of time during the year, we can close some of that gap. But ultimately, we're expecting it to be flat to down.

Analyst: Joe (UBS): Thank you. Good morning. I just wanted to dive in a little bit more to OPEX and cost. I mean, you talked about slightly elevated technology. I think that makes sense in the context of the plan you laid out. And it sounded like within marketing, maybe it was a little bit more of a reallocation of dollars. But I guess I'm wondering how we should think about the OPEX trend over your turnaround plan period. Because, you know, marketing used to be, you know, significantly higher as a percent of sales, I think 33, 35. Now it's been sub 32 for a couple of years. So, you know, as the reintegration occurs, as some of the products develop, do we eventually need to see a real acceleration there to help drive that growth? And then maybe just a little bit more on where you're looking to find actual cost savings, not just a reallocation of cost dollars. Thanks.

Management: Yeah, sure. A couple things. As we had shared during the call, and as you probably know, there's still some work to do to integrate these assets. What this means that the fact that we're running these assets not being fully integrated produces costs that shows up as part of a duplication of certain functions, duplication of efforts, whether you look at processes, whether you look at personal costs, whether you look at organizational structure. So there's an opportunity to really streamline the costs from an operational standpoint and an organizational standpoint. So that's where we think, as we talked about during the earnings call, where we'll find some headroom to create capacity to then reallocate that, yes, towards technology, product investments, and also marketing. So our plan is not to dial down the marketing, and our plan is not to dial down the product and tech investments. But if you look at our personal expenses, you will figure out that we're running at a pretty high percentage. So that's where we're focused. And that comes along with process changes and an optimization that we're driving internally. Hope that makes sense.

Analyst: Joe (UBS): Yeah, yeah, sure. I guess the second question is, you know, certainly you sort of talked about the buyback, right? 70% of this year's free cash flow. You know, you talked about how that's sort of still part of the continued cap allocation plan. But, you know, to be perfectly blunt, the money you've spent thus far has been value destructive. So, like, I guess I'm wondering how you're sort of thinking about that cap allocation process and plan and why continue, you know, right now, I guess, until you feel the business is sort of stabilized a little bit as, you know, I think you're clearly indicating it's going through a transition period.

Management: Yeah, I mean, I think Toby's articulated kind of our plan to reignite the marketplace flywheel and drive greater levels of growth in this business. You know, we have a collection of, I think, really good assets that need to be connected together better in order to really unlock the revenue growth potential. I think we firmly believe this. The markets from time to time may not always operate in a smooth line, but as we think about creating long-term shareholder value, we see a clear path. And as Toby was articulating, this isn't a five-year mission we're on. We are targeting doing this quickly, aggressively, and trying to turn the corner here within the next two years. And so it does make sense for us to be out in market. We believe the stock is undervalued. We believe there is a lot of growth potential here. And we think setting a floor at $60 million is prudent. You'll get quarterly updates from us on how we're progressing on our plan to turn around the business. And you'll also get quarterly updates from us on how we think about capital allocation on a broader basis.

Analyst: Gary Prestopino (Barrington Research): Hey, Toby, let me, I'm trying to understand here when you're talking about the integrated marketplace and did you have separate sales forces, selling point solutions, as well as marketplace? And if not, what do you have to do to the sales force to start driving more of these integrated sales wrapped around the marketplace?

Management: Yes, we did have separate sales forces at different levels. And I would also say at different levels of sophistication. And what we are doing and what is in flight already is that our colleague, our chief commercial officer has redefined the sales strategy and sales organization. So view it as there's more consultative selling that will be necessary going forward as opposed to a standalone solution for one service only. And that's been in the making and we're doing that as we speak and I'm very confident that this is the right approach and that we're well on track.

Analyst: Gary Prestopino (Barrington Research): Okay. And just let me understand again, you did say that you will still be giving the dealers the ability where you can to sell a single point solution. You're not going to go into your dealerships and say, okay, we've got five products wrapped around marketplace. It's going to cost you X. And in order to be a part of the cars commerce universe, you have to buy all of these.

Management: That's correct. There's absolutely the opportunity. View it as a, you know, like a restaurant. You can have an appetizer. You can have a main dish. But there's just also a menu. And the menu is going to be a lot more attractive. And that's what we're aiming for.

Analyst: Gary Prestopino (Barrington Research): Okay. Thank you very much. We're also selling it as a standalone. Absolutely.

Management: Okay. Thank you. That clears it up. Thanks a lot.

Management:

At this time, we have reached the end of the question and answer session.

This concludes today's conference, and you may now disconnect your lines

at this time.

Thank you for your participation. Thank you all. Thank you. Thanks for dialing in.