Riverside Toyota · Day 14 of 26 selling days
F&IAhead
PVR $1,747 on 79 deals, +$5K to plan. Chargebacks clean at 4.1%. Menus re-rated on the 1st — no Crestline exposure here.
Gross MTD
$138K
Plan MTD
$133K
vs plan
+$5K
Analyst read
PVR is $1,747 on 79 deals — $138K MTD, +$5K to plan — with chargebacks at 4.1% and falling. Worth saying out loud: this store re-rated its menus against the new Crestline reserve table on the 1st, which is why the pattern hitting Ford, Chevy, and Kia doesn't show up here. Marini and Carter are both over $1,690 PVR; nobody needs a talking-to.
Key measures
Hover any metric for the exact formula behind itF&I PVR
$1,747+$52 vs T90
BaselineT90 $1,695
Benchmark$1,500–$1,900 typical
VSC penetration
47%+2 pts vs T90
BaselineT90 45%
GAP penetration
31%+1 pt vs T90
BaselineT90 30%
Chargeback rate
4.1%−0.3 pts vs T90
BaselineT90 4.4%
Benchmarkunder 8% is clean
Products per deal
1.9+0.1 vs T90
BaselineT90 1.8
The people
Deltas vs the store's own T90| Person | Deals MTD | PVR | VSC pen |
|---|---|---|---|
SMSofia MariniF&I Manager | 40 | $1,798+$74 vs T90 | 49%+3 pts vs T90 |
JCJamal CarterF&I Manager | 39 | $1,695+$28 vs T90 | 45%+1 pt vs T90 |
Last 8 deals
Straight from the DMS — the flags are the analyst's| Date | Description | Person | Lender | Term | F&I gross | Products |
|---|---|---|---|---|---|---|
| Day 14 | 2026 RAV4 XLE · Stock #T7419 | Sofia Marini | Toyota Financial | 72 mo | $2,110 | VSC + GAP |
| Day 13 | 2026 Grand Highlander Limited · Stock #T7368 | Jamal Carter | Toyota Financial | 60 mo | $1,890 | VSC + T&W |
| Day 13 | 2026 Corolla Cross LE · Stock #T7402 | Sofia Marini | Toyota Financial | 36 mo lease | $1,280 | T&W + maint |
| Day 12 | 2023 Camry SE · Stock #P4171 | Jamal Carter | Eastern CU | 66 mo | $1,740 | VSC + GAP |
| Day 12 | 2026 Tacoma TRD Off-Road · Stock #T7355 | Sofia Marini | Crestline | 72 mo | $1,950 | VSC + GAP |
| Quoted off the re-rated Crestline menu — priced right | ||||||
| Day 12 | 2026 Camry SE · Stock #T7391 | Jamal Carter | Toyota Financial | 60 mo | $1,705 | VSC |
| Day 11 | 2022 4Runner SR5 · Stock #P4166 | Sofia Marini | Harbor Bank | 72 mo | $2,040 | VSC + GAP + T&W |
| Day 11 | 2026 Tundra Limited · Stock #T7302 | Jamal Carter | Cash conversion | — | $890 | T&W |
Ask the analyst