F&I Intelligence
Analysis complete Simulated demo data184 deals · last 90 days · analysis as of September 24, 2026
F&I PVR has declined 8.7% over the last 60 days.
The largest variance appears in used-finance deals, with declining penetration across two protection-product categories.
Estimated annualized F&I upside · not in Growth Opportunities
$31,400
Estimate · medium-high confidence
Why ORIVIS flagged this
PVR fell below its 90-day trend for five consecutive weeks while deal volume held steady.
What changed
GAP (55.9% → 51.1%) and Tire & Wheel (45.2% → 34.2%) penetration dropped.
Where the variance is
Used-finance deals: $1,154 PVR vs $1,476 on new-finance.
What it may be costing
About $31,400 a year in F&I gross (estimate).
What to do next
Standardize the used-finance menu and flag high-LTV deals for GAP before the F&I interview.
Product Performance
Where F&I products are converting and where penetration is slipping.
| Product | Eligible Deals | Sold | Penetration | Avg Income | 90-Day Trend | Opportunity |
|---|---|---|---|---|---|---|
| VSC / Extended Service Contract | 184 | 112 | 60.9% | $847 | 2.5 pts | $8,400 |
| GAP | 184 | 94 | 51.1% | $412 | -4.8 pts | $7,900 |
| Tire & Wheel Protection | 184 | 63 | 34.2% | $289 | -11.0 pts | $6,800 |
| Appearance Protection | 184 | 52 | 28.3% | $241 | -4.8 pts | $5,600 |
| Prepaid Maintenance | 184 | 41 | 22.3% | $198 | 1.5 pts | $2,700 |
F&I Performance Trend
Weekly. Click a highlighted point for ORIVIS's explanation.
ORIVIS AI
Your F&I business analyst
Suggested questions
Answers use the same simulated F&I dataset shown on this page.
Deal Type Analysis
How F&I performs across finance, lease, and cash deals. Select a deal type for its product mix.
F&I Manager Performance
Business performance by manager. Select a manager for trend, mix, and coaching focus.
| Manager | Deals | Average PVR | Product Penetration | F&I Gross | 90-Day Trend | Opportunity |
|---|---|---|---|---|---|---|
Daniel Reyes 9 yrs in F&I | 46 | $1,301 | 40.4% | $59,828 | +0.6% | Benchmark |
Alyssa Chen 6 yrs in F&I | 46 | $1,286 | 38.3% | $59,155 | +1.4% | $7,700 |
Marcus Brooks 3 yrs in F&I | 46 | $1,262 | 38.7% | $58,055 | -2.1% | $6,200 |
Priya Patel 1 yrs in F&I | 46 | $1,334 | 40.0% | $61,362 | -4.3% | $1,500 |
Opportunity Breakdown
What makes up the estimated $31,400 annualized F&I opportunity.
Hover a segment for detail; click to open it.