Top executives: Ernest C. Garcia II, chairman-CEO; Steven T. Darak,
senior VP-chief financial officer;
Fernando Moreno, director of marketing
Market niche: Ugly Duckling is a "buy here, pay here" used car retailer with outlets concentrated in Arizona and Florida. The target consumer is a blue-collar worker between ages 18 and 49 with an income of less than $34,000. Hispanics are a key market.