StoneEagleDATA: F&I Offices Post Q1 Profit Record
- StoneEagle
- Apr 17
- 2 min read
Updated: Apr 28
Pandemic-era F&I highs hold steady as dealers set a new profitability record to kick off 2025.
Dealer F&I operations hit a new milestone in March 2025, according to StoneEagleDATA. Total F&I income per dealer reached an all-time high of $242,283, topping even the early 2021 post-COVID boom — despite fewer deals per rooftop.
Average deal counts rose more than 29% year-to-date through March, and although March’s average of 129 deals per dealer didn’t match 2021’s peak of 148, F&I income still hit a new record. That’s a 115% increase compared to 2019.
These insights come from the most complete dataset in automotive retail: 100% dealer-level transaction data from over 50% of the market. Having spent more than three decades connecting dealers, F&I product companies, agents, and finance sources, StoneEagleDATA delivers real-time intelligence without blind spots — supporting smarter decisions at every level of the car deal.
New Benchmark for Dealer Profitability
This performance builds on what StoneEagle first identified as a new benchmark for dealer profitability. Two recent Automotive News stories spotlighted these trends, using our data as the foundation for national coverage.
• March 26, 2025 – “Dealership average F&I gross profit per vehicle still up 50% from 2019”
This article explored the 92% increase in average total F&I income per dealer since 2019, driven by a 45% jump in F&I PVR and a 21% increase in products per deal. It also spotlighted the 46% rise in front-end gross profit over the same period, despite a dip in late 2024.
• April 7, 2025 – “‘Other’ F&I products besides GAP and service contracts growing as dealer revenue stream”
This follow-up article examined how ancillary F&I products like prepaid maintenance, paint & fabric protection, and tire & wheel coverage now account for 34% of product revenue, up from 28% in 2019. That growth came without a drop in acceptance for F&I staples like service contracts and GAP — both of which increased in per-deal revenue and penetration rates.
StoneEagle CEO Cindy Allen attributes some of the growth in ancillary products to bundling strategies, with package deals now appearing in nearly 7% of all transactions.
With data from nearly 12 million deals in 2024 alone, StoneEagle provides unmatched visibility into every stage of the F&I process — from profitability trends to product performance, deal structure insights, and leakage analysis.
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