Whether you realize it or not, your dealership may be quietly losing thousands of dollars each month from your bottom line, particularly within your F&I operations. These leaks often go undetected by hiding in plain sight, from everyday processes to revenue allocations. Many F&I managers unintentionally prioritize short-term gains, such as finance reserves, over strategies that drive long-term reinsurance profits, leaving valuable revenue on the table. At EFG, our profit analysis can dive deep into your dealership’s data to uncover inefficiencies, identify opportunities, and offer a clear roadmap to help you MAKE MORE MONEY.
Even the top-performing dealerships can miss out on revenue through hidden inefficiencies within their F&I operations. Over time, these “leaks” can quietly chip away at both short-term margins and long-term reinsurance growth. Here are some of the most common hidden profit leaks that we see at EFG:.
Overemphasis on finance reserves – F&I managers will often prioritize reserve income over product sales, which could reduce the flow of profit into reinsurance programs.
Underwriting inefficiencies – High loss ratios or inadequate pricing can slowly drain profit from the reinsurance position.
Poor pay plans – Compensation structures that reward sales volume over profitability can encourage short-term results at the expense of long-term reinsurance wealth.
Low product penetration – Underperformance in selling service contracts, GAP, or other F&I products results in fewer premium dollars to flow into reinsurance.
By identifying and addressing these hidden leaks through a comprehensive profit analysis, dealerships can redirect lost revenue into strategies that strengthen both immediate profitability and long-term reinsurance growth.
A profit analysis could be the lifeline your dealership needs to thrive in this competitive market. At EFG, we perform a comprehensive assessment of your dealership’s data to help find the best strategies to increase long-term reinsurance wealth, including:
F&I Revenue Review – We break down every dollar of F&I income by product and reserve to identify where profit is being generated and lost.
Underwriting & Loss Ratio Analysis – Our team evaluates underwriting performance to uncover hidden inefficiencies in the reinsurance position.
Pay Plan Review – We analyze your F&I pay structure to identify misalignments between incentives and long-term dealership goals.
Product Penetration Review – EFG analyzes your product sales performance to identify high areas of opportunity to drive more premium dollars into reinsurance.
Comprehensive Reporting – Based on our findings, our team will provide clear and strategic recommendations, enabling you to make informed, data-driven decisions for your dealership.
Our comprehensive profit analysis is the catalyst for unlocking higher PRU, accelerating F&I profitability, and maximizing your dealership’s long-term reinsurance growth.
If you’re looking to strengthen your dealership’s profitability and maximize returns from your reinsurance position, now is the time to do it. At EFG, we’re proud to offer a complimentary, no-pressure Underwriting Profit Analysis Voucher*, valued at $5,000, to help evaluate your reinsurance position and provide strategic recommendations to maximize performance. Our proven strategies and expert recommendations empower dealers to build lasting wealth through a stronger, more profitable reinsurance position. Let’s work together to help your dealership MAKE MORE MONEY.
*F&I Training Seat Voucher available to franchise dealers only who meet the required unit volume
