FI showroom red and grey logo
MenuMENU
SearchSEARCH

F&I Still Revved Up in Q2

StoneEagle data show growth and products’ outsize role in profit protection.

September 22, 2025
F&I Still Revved Up in Q2

Most auto dealer F&I metrics rose in the second quarter, according to StoneEagle data.

Credit:

StoneEagle

2 min to read


Finance-and-insurance product sales are helping shore up auto dealership revenues as consumer affordability and trade tariff challenges threaten front-end profits.

Though average front-end dealer gross profit in June totaled $695 per vehicle, down 26% since January and 40% from the 2024 peak, F&I results headed in the opposite direction, industry provider StoneEagle reported.

Ad Loading...

The front-end picture, though faded, was still up sharply from prepandemic levels, the company pointed out – by 72%.

Meanwhile, dealers’ average F&I profit per vehicle rose by about 5% quarter-over-quarter and 8% year-over-year to $1,924. Products per deal inched up from 1.54 in the first quarter to 1.57 – the average a year earlier was 1.52.

Average monthly F&I revenue also increased, up 8% both quarter-over-quarter and year-over-year to $220,640, StoneEagle calculated.

Consequently, gross profit per vehicle in June averaged $2,625, up 10% year-to-date and eclipsing prepandemic levels by 59%.

Though F&I revenue has receded somewhat from a robust March, when many consumers descended on dealers to beat anticipated vehicle price inflation resulting from U.S. trade tariffs, F&I remains a humming profit engine for dealers, StoneEagle said.

Ad Loading...

“It’s a testament to the resilience of F&I and its ability to steady the business when other parts of the dealership come under pressure,” said company CEO Cindy Allen.

Service contracts increased their share of F&I sales by a percentage point year-over-year to 45% penetration, according to the report, followed by the same jump for gap coverage to 38% and paint-and-fabric protection to 20%. Prepaid maintenance was flat at 16%, and tire-and-wheel plans rose a point to 11%.

LEARN MORE: In F&I, Innovation Is Overrated

 

 

 

 

 

 

 

 

 

 

 

 

 

 

More F&I

Laptop computer, tablet, calculator and notebook on a desk
F&Iby John TabarAugust 20, 2026

Just Do It

F&I managers need training, but instead of resisting application or expecting perfection, they should improve by simply acting on what they learn.

Read More →
stacks of coins, a calculator, paperwork, and a pair of glasses in the background, text Lender Experience Drives Dealer Decisions, F&I and Showroom
Auto Financeby Lauren LawrenceAugust 12, 2026

Dealer Lender Preferences Revealed

When lenders provide consistent, fast service, their overall satisfaction scores with dealers greatly improve, according to JD Power research.

Read More →
Leading with Purpose thumbnail. Trent white pictured in front of titled graphic.
F&IAugust 5, 2026

Leading with Purpose

In this video, Trent White explains how understanding your people’s 'why' is a key leadership responsibility of F&I professionals and how that mindset drives dealership engagement, trust and performance.

Read More →
Ad Loading...
Photo of a keyring with mltiple keys, including a car key fob, on a white surface
F&IJuly 15, 2026

Integrating Nontraditional F&I Products

The niche presents a strategic advantage for auto dealerships as they move to adapt to fast-changing consumer expectations in today’s market.

Read More →
Photo of businessman's hands holding eyeglasses at a desk
F&Iby Rick McCormickJuly 7, 2026

Trust Is Personal

Technology, no matter how efficient, can’t replace what the human F&I manager can do, which is to bridge the divide between cyberspace and the in-store experience.

Read More →
Photo of executive in a sports coat and glasses
Industryby StaffJuly 2, 2026

Amplify 2026 Billed as Turning Innovation Into Results

Reynolds and Reynolds says its annual retail summit will connect dealers with practical strategies, peer insight, and technology-driven ideas.

Read More →
Ad Loading...
Woman standing on stage smiling.
F&Iby Lauren LawrenceJuly 1, 2026

Own Your Outcome: F&I in the Digital Customer Journey

Finance has historically been the last step in the car-buying process, but it doesn’t have to be. The customer’s journey starts long before they arrive at the dealership, and so should F&I’s involvement.

Read More →
$100 bill and magnifying glass on top of paper that says insurance policy terms and conditions.
F&Iby Lauren LawrenceJune 29, 2026

Tariffs Could Raise Insurance Premiums

As U.S. import tariffs affect repair costs, consumers might find it more affordable to replace a damaged vehicle, according to recent Insurify tariff analysis.

Read More →
Red toy car sitting on top of coins.
Auto Financeby Lauren LawrenceJune 24, 2026

Smaller Loans, Longer Terms

The youngest generation of car buyers is more likely to finance less expensive vehicles, more than half of generation Z consumers borrowing less than $25,000.

Read More →
Ad Loading...
Under the hood of a Toyota Prius EV Hybrid car.
F&Iby StaffJune 15, 2026

New Lifetime Battery F&I Product Meant to Drive Dealer Traffic

EFG Cos. offering is intended to create lifetime auto dealer engagement with customers.

Read More →