StoneEagle: F&I Strength Anchors Dealer Profitability in Q2

StoneEagle reports F&I profitability up year over year in Q2 2025, offsetting front-end gross declines and driving higher total gross per vehicle.

RICHARDSON, Texas, Sept. 3, 2025 /PRNewswire/ -- StoneEagle, a leader in innovative F&I solutions for the automotive industry, today announced the release of its second-quarter 2025 StoneEagleDATA F&I Benchmark Report, highlighting the continued strength of finance and insurance (F&I) performance despite ongoing market pressures.

The second quarter brought a mixed picture for auto retail. After a record-setting March, when average total F&I income per dealer reached the highest point since the post-COVID boom at $243,363, deal counts eased into June. Even so, results still outpaced seasonal norms, with F&I continuing to provide stability and profitability even as front-end margins contracted.

"Even with all the challenges dealers have faced this year — from affordability concerns to tariff concerns — F&I performance is holding strong," said StoneEagle CEO Cindy Allen. "StoneEagleDATA shows that through it all, dealers are still having a good year in terms of profitability and product performance. It's a testament to the resilience of F&I and its ability to steady the business when other parts of the dealership come under pressure."

Second quarter 2025 Highlights:

• F&I profit per vehicle retailed (PVR): Averaged $1,924 per deal in the second quarter, up from $1,840 in the first quarter and $1,788 in the second quarter of 2024.
• Products per deal (PPD): Averaged 1.57 products in the second quarter, up from 1.54 in the first quarter and 1.52 a year earlier.
• Average monthly F&I income per dealer: The average stood at $220,640 in the second quarter, up from $204,879 in the first quarter and $203,745 in the second quarter of 2024.
• Average front gross: June 2025 averaged $695 per vehicle, down 26% since January and 40% below 2024 highs, but 72% above pre-COVID norms.
• Total gross per vehicle: June 2025 averaged $2,625 per vehicle, up 10% year to date and 59% higher than pre-COVID levels.

Top F&I Products by Penetration Rate
Beyond quarterly improvements, long-term trends continue to reinforce F&I's critical role in dealership profitability. Non-core F&I products now represent 34% of all F&I revenue, while product sales overall account for more than two-thirds of back gross, outpacing finance reserve by a wide margin.

• Service contracts: Held steady as the cornerstone of F&I, climbing to a 45% penetration rate, up from 44% a year earlier.
• Guaranteed Asset Protection (GAP): Reached 38%, rising from 37% in both the first quarter and the second quarter of 2024.
• Paint-and-fabric protection: Advanced to 20%, compared with 19% a year earlier.
• Prepaid maintenance: Remained flat at 16%, unchanged from both prior periods.
• Tire-and-wheel protection: Increased to 11%, up from 10% a year earlier.

"Service contracts remain the foundation of F&I profitability, GAP continues to grow, and ancillary products are quickly becoming stars of the show," said Colin Snyder, General Manager of StoneEagle's Automotive Retail Solutions, including StoneEagleDATA, StoneEagleMETRICS, StoneEagleMENU, and StoneEaglePENCILWRENCH. "StoneEagleDATA makes it clear how that mix is shifting — with more income now coming from a wider range of protections that strengthen dealership profitability in today's market."

About StoneEagle
StoneEagle has been a trusted leader in the automotive industry for over 35 years, providing innovative F&I and service solutions that streamline operations, enhance customer experience, and deliver measurable results.

Media Contact: 
Nicolle Lamb
VP, Marketing
StoneEagle
mailto:[email protected]
https://www.se-fi.com/home/

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SOURCE StoneEagle