Used‑EV wave + fleet barometer
A surge of off-lease EVs is flooding the used market — creating upside demand given rising gas prices but real downside risk from rapid depreciation — and fleet data shows 66% of companies plan to deploy EVs within three years with 99% updating charging policies. That combination raises TCO and residual-value headaches for auto lenders and floorplan financiers as used‑EV supply and charging infrastructure collide. (autonews.com) (prnewswire.com)
Recurrent and J.D. Power data project off-lease EV returns jumping from roughly 123,000 units in 2025 to about 330,000 in 2026 and as many as 650,000 by 2027, concentrating mostly on 2022–2023 model years. (news.dealershipguy.com) Cox Automotive’s February 2026 market monitor shows the average used-EV listing at $34,821 (down 8.5% year-over-year) while used-EV retail sales reached 30,879 units that month, signaling faster turnover even as prices soften. (coxautoinc.com) Black Book’s 2026 outlook warns used-EV values could decline another $1,500–$2,500 this year as off-lease volume rises, a pressure point that Auto ABS and residual models are already being forced to reprice. (blackbook.com) The Element/Arval/SMAS 2026 Global Fleet & Mobility Barometer surveyed 10,157 fleet decision-makers across 33 countries and found charging infrastructure cited as the primary barrier by 68% of respondents while 31% ranked total cost of ownership as their top near-term challenge. (prnewswire.com) Wholesale/floorplan exposure is rising as off-lease EVs hit dealer lots; Solifi’s September 23, 2025 acquisition of DataScan brings RiskGauge digital audits, Onsite human-verified inventory checks, and Wholesale Intelligence used by more than 45 banks and captive lenders to asset-level risk management. (businesswire.com) Real-world platform migration evidence: Kawasaki Motors Finance migrated 1,700 dealers and 53,000 loans onto Solifi’s wholesale platform to modernize dealer self-service, loan servicing, and inventory controls—an operational template lenders can replicate to scale EV-return audit and remarketing workflows. (magazine.factoring.org) Third-party battery transparency data show battery-state-of-health swings can drive $5,000–$6,000 valuation differences and that cars with published battery reports sell far faster, underscoring why lenders and floorplan financiers need integrated battery-data fields, standardized reports, and dealer-warranty capture in origination and remarketing systems. (energy-solutions.co)
