May saw a slight dip in deal counts, as expected, given the looming tariff concerns. But don't be fooled — the market is still thriving. With a solid 17% growth trend since January, 2025 continues to outperform the last three years. For their part, F&I departments are not just surviving — they're driving profitability with stronger PVR and product penetration.
This insight comes 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.
Key Data Insights for May
F&I Gross Profit per Vehicle Retailed: F&I PVR rose to $1,950 in May, a 2.63% increase from April. This growth indicates that, despite a slight dip in deal count, F&I is helping dealers realize more value in each transaction.
F&I Products Per Deal: PPD also grew, rising 2.58% from April to 1.59 products per deal, as F&I offices continue adding more products to each transaction.
Deal Count: While deal count softened from the March and April peaks, it remains stronger than most prior years, suggesting that demand hasn't evaporated in the wake of tariff threats. The modest dip could reflect some pull-forward activity, but not a sharp drop-off.
Avg. Total F&I Income per Dealer: Despite the decline in deal count, F&I income per dealer remained stable, thanks to the resilience of F&I offices.
A Deeper Look at F&I Product Penetration
The data also highlights the continued success of dealers in offering F&I products. Vehicle service contracts led the charge at 46%, up from 45% in April. Other product categories, such as GAP and Paint & Fabric Protection, also saw slight increases, indicating that F&I departments are still effectively offering comprehensive F&I packages, even with fewer deals.
StoneEagleDATA: Powering the Industry
Drawing data from over 8,900 dealer rooftops, StoneEagleDATA delivers unmatched visibility into dealership performance:
Comprehensive Benchmarking: StoneEagleDATA captures every transaction and every product from 50%+ of the industry.
Actionable Insights: Identify trends and opportunities with real-time insights into F&I product penetration, pricing, and much more.
AI-ready intelligence: Power your propensity models and performance forecasting with data you can trust.
🔗 Contact us today to see how StoneEagleDATA can fuel your success.
