F&I Income Up 10% in StoneEagle Report
The latest benchmark report from StoneEagleDATA finds U.S. dealers enjoyed a 10% increase in F&I income in July as deal count volume rebounded from a relatively slow June.
Analysts report an average deal count of 116 per dealer in July, up more than 8% from the prior month, offset by slight downticks in F&I profit per vehicle retailed (down 0.78% to $1,915) and products per deal (down 0.64% to 1.56). July penetration rates were led by service contracts (44%), GAP (38%) and paint-and-fabric (20%).
For the first half of 2025, dealers earned an average of $212,826 in gross F&I income per month, a 7.5% improvement over H1 2024.
“While PVR and products per deal eased slightly, the overall picture is one of adaptability,” the report states, in part. “July’s data underscores that when one lever softens, F&I offices can pull another — in this case, capitalizing on higher deal counts to keep revenue climbing.”
