StoneEagle®: First-Half Highs for F&I PVR, F&I Income per Dealer
- marketingteam30
- 24 hours ago
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Second-quarter volume gains and F&I PVR near $2,000 lifted average monthly F&I income per dealer to its highest quarterly level in the dataset.
RICHARDSON, Texas, August 31, 2026 — StoneEagle, a provider of automotive technology and data intelligence solutions designed to drive F&I, sales, and service performance, today announced the release of the second-quarter and first-half 2026 edition of its StoneEagleDATA TCP Report, providing The Complete Picture of deal performance across more than half of the automotive retail market.
F&I offices posted their highest first-half averages for F&I gross profit per vehicle retailed (PVR) and monthly F&I income per dealer in the StoneEagleDATA dataset. F&I PVR increased 5.7% year over year to $1,989, while average monthly F&I income per dealer rose 2.6% to $217,705. The highs came as the average dealership processed 109 deals per month, down from 113 a year earlier.
“Improved second-quarter volume, combined with F&I PVR near $2,000, lifted first-half PVR and monthly F&I income to new highs,” said StoneEagle CEO Cindy Allen. “Across those six months, F&I generated nearly eight out of every 10 gross dollars per deal, helping keep a nearly 30% decline in front gross from producing a comparable decline in total gross.”
First-Half 2026 Highlights Total gross averaged $2,525 per deal during the first half of 2026, down $122 from the same period a year earlier. The decline was considerably smaller than the change in front-end gross, which fell by $229 to $536 per deal.
That decline continued a longer retreat from the elevated levels recorded during the inventory-constrained market of 2021 and 2022, when average front-end gross peaked at $2,746 per deal in January 2022. After falling to $279 in December 2025, it recovered to $532 in June 2026 — still 81% below the peak.
Second-quarter performance provided the lift behind the new first-half F&I highs. Average monthly deal count per dealer increased from 106 during the first quarter to 112 during the second, while F&I PVR increased from $1,982 to $1,996. Together, those results pushed average monthly F&I income per dealer up 6.5% to $224,592, the highest quarterly average in the StoneEagleDATA dataset.
The transactions behind those results also carried larger financed amounts and higher monthly payments. Compared with the first half of 2025, average amount financed increased $1,928 to $37,633, while the average monthly payment rose from $673 to $685. The average finance term remained nearly unchanged, moving from 65.24 to 65.64 months.
The second-quarter comparison showed larger increases in the average financed amount and monthly payment. Compared with the second quarter of 2025, average amount financed increased $2,023 to $38,221, while the average monthly payment rose from $680 to $695. The payment increased even as the average contract rate declined from 7.93% to 7.55% and the average finance term remained essentially flat.
Key H1 and Q2 2026 performance metrics include:
F&I PVR: Averaged $1,989 during the first half, up from $1,882 a year earlier. Second-quarter F&I PVR averaged $1,996, compared with $1,923 a year earlier and $1,982 during the first quarter.
Average products per deal (PPD): Averaged 1.55 during the first half, essentially unchanged from a year earlier. The second-quarter average was 1.54, compared with 1.57 a year earlier and 1.56 during the first quarter.
Average monthly F&I income per dealer: Reached $217,705 during the first half, up 2.6% from a year earlier. The second-quarter average reached $224,592, compared with $219,266 a year earlier and $210,818 during the first quarter.
Average deal count per dealer: Averaged 109 deals per month during the first half, down from 113 a year earlier. The second-quarter average was 112, compared with 114 a year earlier and 106 during the first quarter.
Average front-end gross per deal: Averaged $536 during the first half, down from $765 a year earlier. The second-quarter average was $565, compared with $839 a year earlier and $507 during the first quarter.
Average total gross per deal: Averaged $2,525 during the first half, down from $2,647 a year earlier. The second-quarter average was $2,562, compared with $2,762 a year earlier and $2,489 during the first quarter.
Product Penetration Holds Near Recent Levels
Four of the five major product categories held their prior-year penetration rates during the first half, while GAP increased from 38% to 39%. Second-quarter results were more mixed, with year-over-year gains for GAP and prepaid maintenance, a decline for tire-and-wheel, and unchanged rates for vehicle service contracts and paint-and-fabric protection.
Vehicle service contracts: First-half penetration held at 45%, unchanged from a year earlier. The second-quarter rate also remained at 45%, matching both the first quarter of 2026 and the second quarter of 2025.
Guaranteed asset protection: First-half penetration increased from 38% to 39% year over year. The second-quarter rate was 39%, down from 40% in the first quarter of 2026 but up from 38% a year earlier.
Paint-and-fabric protection: First-half penetration remained at 20%. The second-quarter rate also held at 20%, unchanged sequentially and year over year.
Prepaid maintenance: First-half penetration remained at 16%. The second-quarter rate increased to 17% from 16% in both the first quarter of 2026 and the second quarter of 2025.
Tire-and-wheel protection: First-half penetration remained at 10%. The second-quarter rate also held at 10% from the first quarter of 2026 but declined from 11% a year earlier.
“Our data shows 2026 trending really well through the first half,” Allen said. “Performance strengthened in the second quarter across nearly every major measure we track, and the broader outlook for automotive retail remains strong even as dealers and consumers manage a range of market dynamics.”
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