Ridge Road Fuel

What you actually kept per gallon · Jul 31, 2026 to Oct 28, 2026 (90 days)

Sample data

Prepared Oct 28, 2026
NineTenths · hello@ninetenths.pro

What you kept

21.5¢ per gallon

Net of card fees and freight, across 473,809 gallons. That is $101,869 kept on fuel over the period.

Gross margin

29.2¢

Card fees

−6.9¢

Freight

−0.8¢

What you keep

21.5¢

Card fees took $32,616.11 over the period — about 24% of your gross margin. They land on next month's statement, which is why every day looks better than it was.

By grade

Cents per gallon, over the 90 days with complete files. Cost is the weighted average of what was actually in the tank when the fuel sold, with tax stripped out of both sides.
Grade	Gallons	Avg pump	Gross	Card fees	Freight	Net ¢/gal	Kept
Regular	314,067	$3.399	28.3¢	−6.6¢	−0.8¢	20.9¢	$65,640
Midgrade	26,926	$3.609	35.3¢	−7.0¢	−0.8¢	27.5¢	$7,405
Premium	47,154	$3.989	41.8¢	−7.7¢	−0.8¢	33.3¢	$15,702
Diesel	85,661	$3.819	23.4¢	−7.4¢	−0.8¢	15.2¢	$13,021
All grades	473,809		29.2¢	−6.9¢	−0.8¢	21.5¢	$101,869

The all-grades line is the volume-weighted average of the rows above it, so the column and the total agree. Avg pump is the most recent day.

Net margin, day by day

Ranged 19.0¢ to 24.3¢ across the period. The swings are wholesale moving under a pump price you only change when it is worth re-signing.

Your most recent day

22.3¢ per gallon

Wednesday, Oct 28, 2026 · 5,198 gallons · gross 30.1¢, card fees −7.0¢, freight −0.8¢

Grade	Gallons	Pump	Cost in tank	Net ¢/gal
Regular	3,386	$3.399	$2.702	21.8¢
Midgrade	275	$3.609	$2.838	28.8¢
Premium	493	$3.989	$3.154	34.4¢
Diesel	1,044	$3.819	$3.122	16.4¢

Tanks and cost

R1 · Regular

7,821 of 12,000 gal

Cost in tank $2.710

Next load, delivered $2.648

Difference 6.2¢ cheaper

Sells per day 3,490 gal

Days to 15% 1.7

P1 · Premium

3,400 of 6,000 gal

Cost in tank $3.162

Next load, delivered $3.141

Difference 2.1¢ cheaper

Sells per day 524 gal

Days to 15% 4.8

D1 · Diesel

5,183 of 10,000 gal

Cost in tank $3.130

Next load, delivered $3.144

Difference 1.4¢ dearer

Sells per day 952 gal

Days to 15% 3.9

Cost in tank is what the gallons actually in the ground were bought for, delivered. When the next load comes in under that, you see the gap the morning it opens and decide whether to cut price, hold margin, or time the order. When it comes in over, holding margin is the play.

Midgrade has no tank of its own — it is blended at the dispenser from 70% R1 and 30% P1. Its cost is the mix of those tanks, and selling it draws down both.

Deliveries checked against the tank gauge

77 of 79 deliveries matched the gauge inside your 0.5% tolerance.

short Aug 4, 2026 · BOL BOL-44148 · D1 Diesel · 98 gal short, $365.34 at delivered cost

unverified Aug 9, 2026 · BOL BOL-44333 · D1 Diesel · no tank gauge reading for this delivery

The gauge is compared against gross gallons on the bill of lading, not net. Net gallons are corrected to 60°F and the gauge is not, so comparing them would invent a shortage on every warm day.

How this was worked out

Cost is what was in the tank. Each delivery blends into a weighted average per tank, so the fuel that sold on a given day is costed at what it was actually bought for, not at that day's rack price.
Deliveries land before that day's sales. A load that arrived mid-afternoon therefore lowers the whole day's cost basis by a few tenths of a cent. The alternative overstates the basis on exactly the days you are deciding whether to cut price.
Tax comes out of both sides. Excise tax is collected and remitted, so it is neither revenue nor cost. Card fees are the exception: the processor charges on the full swipe, tax included.
Card fees are attributed by day. The statement is monthly, so its effective rate is applied to each day's own card dollars rather than spread evenly across the month.
Rounding. Each line is shown to a tenth of a cent and net is the subtraction of those shown lines, so the column always adds up.

Excise tax rates used, per gallon. **Please check these against your own invoices** — if a rate is wrong, your margin is wrong by exactly that much.
Grade	Components	Total ¢/gal
Regular	federal 0.184, state 0.220	0.404
Midgrade	federal 0.184, state 0.220	0.404
Premium	federal 0.184, state 0.220	0.404
Diesel	federal 0.244, state 0.205	0.449

Card processor statements these fees came from.
Period	Statement	Fees	Fuel share	Effective rate
Jul 31, 2026 – Aug 31, 2026	Sample Processor 8841 - Jul 31 - Aug 31 (first period partial)	$12,331.49	$11,641.45	2.32%
Sep 1, 2026 – Sep 30, 2026	Sample Processor 8841 - September	$11,467.16	$10,782.39	2.38%
Oct 1, 2026 – Oct 28, 2026	Sample Processor 8841 - Oct 1 - 28 (partial, through report date)	$10,842.39	$10,208.66	2.41%

Your data stays yours. This was built only from your POS exports, your fuel invoices and your card processor statement. Nothing here is shared with, or used for, any other station — your data is never pooled. The numbers are informational; every pricing decision stays with you.