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F&I's New Normal: Data-Driven Profitability in a Changing Market

Updated: Apr 18, 2025

The past five years have transformed the automotive industry — and not just on the front end. Amid shifting inventory, rising rates, and an evolving customer base, one area has delivered consistent, measurable growth: F&I. 

 

According to StoneEagle's latest data, F&I gross profit per vehicle has surged 46% since

Cindy Allen, StoneEagle CEO
Cindy Allen, StoneEagle CEO

2019, climbing from $1,247 in January 2019 to $1,814 in January 2025. During that same period, total F&I income increased 92%, and the average number of products per deal rose by 21%. All of this, while front-end gross declined 40% in 2024 alone.  

 

The result? Total gross profit per deal is now 50% higher than in 2019, driven largely by F&I performance. 

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Featured in Automotive News 

Automotive News recently highlighted the StoneEagleDATA insights that StoneEagle CEO Cindy Allen shared at the Ethical F&I Managers Conference. Her message was clear: "I do think we've found a new normal from an F&I products perspective." 

 

In the March 31st print edition and March 26th online story (Click to read), Automotive News spotlighted the power of StoneEagleDATA that delivers dealer-level transaction data — showing how F&I performance has remained strong despite rising interest rates and consumer affordability concerns. 

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The Power Behind the Numbers 

StoneEagleDATA comes from nearly 12 million deals in 2024, sourced from over 8,500 dealers. With access to 100% of transaction data for more than 50% of the market, StoneEagle provides unmatched visibility into dealer performance. 

 

From F&I PVR and products per deal to leakage insights and product penetration by mileage band, our data helps dealers, providers, and partners optimize their performance in real time. 

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Key Performance Highlights: 

  1. F&I PVR: $1,814 in Jan. 2025 (↑ 45% from Jan. 2019) 

  2. F&I Income: ↑ 92% since 2019 

  3. Products Per Deal: ↑ 21% (1.52 average in Dec. 2024) 

  4. Total Gross Profit Per Deal: ↑ 50% vs. 2019 

 

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Want to See More? 

Contact us today to discover all the ways StoneEagleDATA can help drive success for your business. 

  1. Access 100% of transaction data from over 50% of the market. 

  2. Get the insights you need — when you need them. 

  3. Drive smarter decisions with real-time F&I performance metrics. 




 
 
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