Comfort Keepers
Bottom line
- Total investment $120K – $191K including a $55K franchise fee.
- Average unit revenue of $1.3M/year (median $857K). Estimated payback in 0.3 years.
- Rated STRONG with a risk score of 42/100. SBA loan default rate of 0.0% across 179 loans (below the industry average).
- System growing at 17.0% CAGR over 3 years with 624 total units — strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
Yale framework · single-unit ROIC
Returns Analysis
Pulls Item 7 (investment) and Item 19 (revenue) from this brand's FDD into the Yale unlevered-ROIC formula. Override any input to stress-test it against your own assumptions.
The model · Yale framework
What would one Comfort Keepers unit return on the cash you put in?
Unlevered ROIC · per unit
99%
Above typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Comfort Keepers units return on equity?
Equity IRR · 5-yr
31.0%
3.86× MOIC
Year-1 DSCR
2.59×
EBITDA ÷ debt service
Equity required
$7.5M
on $17.9M purchase
Total debt
$10.4M
SBA $5.0M + senior + seller note
Overview
About
Franchisees operate home health care agencies providing non-medical in-home services (companionship, personal care, light housekeeping) to elderly and disabled clients. Day-to-day work involves recruiting and managing caregiver staff, scheduling client visits, handling billing/insurance, and ensuring quality control and regulatory compliance in a highly regulated sector.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 9 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator — not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee phone area codes (Item 20). Approximate — ported numbers may show the original state, not the franchisee's current location.
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Comfort Keepers presents elevated legal and operational risk due to active wage-and-hour litigation, vicarious liability claims, and regulatory investigations into hiring practices, combined with unverified profitability claims and modest unit growth in a mature system.
Score breakdown · what drove the 42 / 100 rating
- 01HIGHActive litigation including wage-and-hour class action and state AG investigations into non-solicit/hire practices creates operational and compliance risk
- 02MINORVicarious liability negligence claims (2x) indicate potential gaps in training, screening, or supervision of caregivers—critical in home health services
- 03MINORModest unit growth (7.1% YoY) suggests market saturation or competitive pressure in a 624-unit system
- 04MINORHigh franchise fee ($55,000) + royalty structure (5% or $500 minimum) with no Item 19 financials provided—cannot validate profit claims
- 05MINORMaster franchise termination in Quebec signals relationship breakdown and possible expansion strategy failure
- 06MINORSignificant investment range ($119,560–$190,700) with vague profit attribution—wide variance suggests inconsistent unit economics
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
Item 11
Training & Operations
Item 20
Franchisee Contacts
Phone numbers extracted directly from this brand's FDD Item 20. After purchase, you'll also receive a list of validation questions tailored to this brand.
Franchisee contacts
90 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Comfort Keepers · FDD (2025) PDF