F&I provider conversion / franchise dealer
The same store, the same year, $591 more per car.
A Northeast metro luxury franchise dealer moved its F&I program to Kairos for the 2025 model year. Back-end gross per vehicle retailed rose from $1,686 to $2,277, and product production, not rate, accounted for nearly all of it.
+35% back-end gross per vehicle
Back gross PVR
$2,276.95
+$590.57 from $1,686.38
Products per deal
1.93
+0.52 from 1.41
Product gross PVR
$1,027.74
+$418.00 from $609.74
Reserve PVR
$890.57
+$114.05 from $776.52
What the numbers actually say
Total back-end gross grew $4.82M year over year. The store also sold 815 more cars, so the honest question is how much of that gain was the F&I program and how much was simply more traffic through the box.
Holding 2025's volume constant at the prior year's per-deal performance, the store would have produced $9.83M. It produced $13.27M. That gap of $3.44M, or 71% of the total increase, is per-deal performance, not volume.
71% program
29% volume
$4.82M total back-gross increase
Where the lift came from
Product production, not rate. Reserve per deal rose a modest $114, while F&I product gross per deal rose $418, or 71% of the per-deal gain. Products per deal went from 1.41 to 1.93.
What it was worth
At 2025 volume, the per-deal improvement on its own produced $3.44M of incremental back-end gross, roughly $287,000 a month that the store was not capturing under the prior program.
The signature of a unified menu
Under the prior program, product mix varied wildly desk to desk. Two managers wrote theft deterrent on two-thirds of their deals and road and hazard on none, while others did the exact reverse.
By 2025 every product carried meaningful penetration across every desk. Maintenance is the one product that lost ground.
Product penetration, before and after
Deal-count weighted across all F&I managers.
Store type
Luxury franchise
Units retailed
5,829 / yr
New / used
57 / 43%
F&I desks
11
Finance penetration
90.0%
Back gross added
$4.82M
Methodology
Figures are drawn from the dealer's own deal sales log exports for full-year 2024 (prior provider) and full-year 2025 (Kairos), pulled at the same date. Per-deal and penetration figures are weighted by deal count rather than averaged across managers. What this comparison does not isolate: the store also turned over five of its eleven F&I desks between the two years, and no single-store, single-year comparison can fully separate a program change from a personnel change. Front-end gross is excluded throughout, as it falls outside the F&I program's scope. Store identity withheld. Figures available for verification under NDA.
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