The F&I Engine Behind Today’s Franchise Dealership Profits
As front-end margins normalize, F&I has become the dependable profit center that keeps the dealership P&L humming. Multiple industry trackers show F&I profit per vehicle and product penetration edging higher even as front-end gross softens—StoneEagle’s latest benchmarks, for example, show F&I PVR climbing while front-end hit 2025 lows, underscoring F&I’s stabilizing role in total deal gross.
Recent publications also point to sustained, measurable gains. Colonnade Advisors reports that among the six public groups, same-store F&I profit averaged ~$2,175 PVR in Q1 2025, a year-over-year increase, while Haig Partners notes F&I PVR for public retailers approached record territory in early 2025. Together, these data confirm what dealers are seeing on the ground: F&I is carrying more of the profitability load across franchise rooftops.
That’s why choosing the right partner matters. As an experienced, successful, independent agency, Advanced Dealer Solutions tailors products, training, and performance programs to your store’s specific objectives—so you can translate today’s F&I momentum into lasting, compounding results. (For broader context on the overall health and scale of franchised dealerships, see NADA’s latest mid-year data.)
—The Advanced Dealer Solutions Team
Please contact us if you or your team are unprepared or underserved. We promise the 15-minute conversation will be worth it!
Events we will be attending:
F&I Product & Reinsurance Conference
NADA 2026
