F&I Caps Off 2025 Above $1,950 for Third Straight Month

Front-end and total gross per deal sank to 2025 lows in December, yet F&I PVR remained near $2,000, and total F&I income per dealer climbed.

December closed the year with the weakest front-end profitability of 2025, while F&I offices finished near the top of the annual range and kept total F&I income per dealer moving higher.

Deal counts rebounded after a soft November, but that volume didn’t translate into healthier total gross. Front-end pressure intensified, and total gross per deal fell accordingly. Inside the F&I office, F&I profit per vehicle retailed (PVR) and average products per deal (PPD) eased from November’s record levels but still finished near the top of the year — with total F&I income per dealer also up year over year.

This insight comes directly from StoneEagleDATA’s latest F&I benchmark report, powered by transaction-level data representing over 50% of the automotive retail market. StoneEagleDATA provides a clear view into how shifting sales conditions and F&I execution are shaping dealership profitability.

December’s Complete Picture

Front-end gross fell from $398 in November to $279 in December — the weakest sales-side result of 2025 and down 52.39% year over year. Total gross per deal also hit its low for the year at $2,253, down from $2,422 in November and down 6.40% year over year.

Average monthly deal count per dealer increased from 105 in November to 111 in December — the highest level since September. Compared to last year, deal counts were down 5.13%.

That pressure didn’t manifest the same way inside the F&I office. F&I PVR eased from November’s record high but still finished December at $1,975, marking the third straight month above $1,950. Products per deal cooled from 1.60 to 1.56, and F&I product penetration rates softened from November peaks. Total F&I income per dealer rose to $219,056 — the strongest monthly result since August.

That’s the year-end takeaway: when the front end gives ground, the month gets decided by how well F&I offices protect the deal.

December Performance Breakdown

• Deals per dealer: Increased from 105 in November to 111 in December. On a year-over-year basis, deal counts fell from 117 to 111.

• F&I PVR: Slipped from $2,025 to $1,975 (-2.47% MoM) but remained up 8.46% YoY.

• Front-end gross per deal: Fell from $398 to $279 (-29.90% MoM) and was down 52.39% YoY.

• Total gross per deal: Dropped from $2,422 to $2,253 (-6.98% MoM) and was down 6.40% YoY.

• Products per deal: Declined from 1.60 to 1.56 (-2.50% MoM) but was up 2.63% YoY.

• Total F&I income per dealer: Increased from $212,362 to $219,056 (+3.15% MoM) and was up 2.44% YoY.

  
  

F&I Product Penetration Highlights

• Vehicle Service Contracts (VSC): Declined from 46% to 44% (down two points MoM), and up one point YoY.

• Guaranteed Asset Protection (GAP): Fell from 40% to 38% (down 2 points MoM), and up 3 points YoY.

• Paint & Fabric Protection: Held at 20%, flat year over year.

• Prepaid Maintenance (PPM): Held at 17%, up 1 point YoY.

• Tire & Wheel: Held at 10%, flat year over year.

StoneEagleDATA: Powering the Industry

StoneEagleDATA’s latest F&I benchmark report, powered by transaction-level data from over 50% of the automotive retail market, delivers a complete view of today’s automotive retail landscape:

• Comprehensive Benchmarking: Capturing every transaction and every product from more than half the retail market.

• Actionable Insights: Reveal trends, track performance, and uncover growth opportunities in real time.

• Trusted Intelligence: Built on secure, dealer-level data to support forecasting, analytics, and smarter decision-making across the F&I industry.

StoneEagleDATA powers the intelligence behind modern automotive retail. Complete our form to explore how trusted, transaction-level data can strengthen your strategy and solutions.