Front-end gross slipped to a 2025 low in August, but stronger F&I PVR and steadier deal activity pushed F&I income to its highest point this year.
August underscored F&I's role in dealership profitability, with F&I profit per vehicle retailed (F&I PVR) climbing to $1,946 on 1.57 products per deal as front-end gross fell to its weakest point this year at $562 per deal. That was enough to hold total gross per deal steady at $2,508 — essentially unchanged from July.
Deal counts improved to 120 per dealer, up from 117 in July and 118 in August 2024. The added volume, combined with higher F&I PVR, lifted average monthly F&I income to $232,743 — the highest result of 2025 and nearly 5% stronger compared with August 2024.
These insights are derived directly from StoneEagleDATA's latest benchmark report, powered by 100% dealer-level transaction data from over 8,900 dealer rooftops. StoneEagleDATA is the One True Source for real-time insights that power smart decisions and drive automotive success.
From June's Low to August's Peak
The summer slowdown in June resulted in the lowest deal counts of the year. July reversed that trend, and August extended it, with volumes climbing back to April's pace. Leasing contributed to the higher activity, with overall lease transactions increasing by 9% from July, and EV lease penetration rising from 18% in July to 21.6% in August. EV lease volume rose nearly 50% compared to August 2024. That increase in deal flow, combined with stronger F&I PVR, resulted in the highest F&I income per dealer for 2025 so far.
Deal Performance Unpacked
Total Gross per Deal: At $2,508, August was essentially flat with July (+0.2%) but down 1.8% compared with August 2024.
Front-End Gross per Deal: At $562, August declined 4.8% from July's $590 and was 26% lower than August 2024.
F&I PVR: At $1,946, August rose 1.7% from July's $1,913 and 8.7% higher compared with August 2024.
Products per Deal (PPD): At 1.57, August edged up from July's 1.56 average and was stronger than 1.52 in August 2024.
Average Monthly Deal Count per Dealer: At 120, August increased from 117 in July and 118 in August 2024.
Average Monthly F&I Income per Dealer: At $232,743, August was the highest of 2025, up 3.7% month over month and 4.9% higher compared with August 2024.
F&I Product Penetrations
Service Contracts: At 45%, August's penetration rate was unchanged from July but up from 44% in August 2024.
Guaranteed Asset Protection (GAP): At 38%, August's rate matched July's performance and was slightly higher than 37% in August 2024.
Paint and Fabric Protection: Holding steady at 20% in August, the rate matched July's performance and was unchanged from August 2024.
Prepaid Maintenance: At 16%, August's rate was flat month over month and year over year.
Tire and Wheel Protection: August held at 10%, unchanged from both July and August 2024.
StoneEagleDATA: Powering the Industry
Drawing data from over 8,900 dealer rooftops, StoneEagleDATA delivers unmatched visibility into dealership performance:
Comprehensive benchmarking: Captures every transaction and every product from 50%+ of the industry.
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