When preparing a company for sale, financial optics matter. For F&I administrators, few metrics carry more weight with buyers than loss ratios—and those ratios are only as accurate as the earnings curve behind them. F&I earnings curve optimization must happen before a company goes up for sale. Here’s a real-world example of how defaulting to […]
If you’re administering Vehicle Service Contracts, VSC cancellations aren’t just noise—they’re a direct hit to profitability. Refund exposure. Margin compression. Loss ratio volatility. Whether contracts are sold direct-to-consumer or through dealerships, VSC cancellations are a real and rising cost. And yet, most administrators aren’t actively tracking how, when, and where these VSC cancellations are happening. […]
An earnings curve determines how revenue is recognized over time for an F&I contracts, such as VSCs, windshield, PDR, appearance protection, and tire & wheel. The method you choose directly affects reported loss ratios, reserving, valuation, and timing of earnings and cash flow. The four most common earnings curve methodologies are: Rule of 78s Reverse rule […]
See how behavior unfolds in real time. Our no-code cancellation curve tool reveals how key contract metrics evolve, from count to dollar impact. It turns raw data into visual insights anyone can understand—no code, no formulas, just clarity. Build and explore your own curves in three simple steps: Upload your Excel file Choose your data […]
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