Comfort KeepersFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Comfort Keepers franchise requires a total initial investment of $120K – $191K, including a $55K franchise fee. Per the 2025 FDD, average unit revenue was $1.3M[2]. SBA 7(a) loans show a 3.9% charge-off rate across 116 loans[1]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $120K – $191K
- 64th pct Senior Care
- Avg gross sales
- $1.3M
- 45th pct Senior Care
- Royalty
- N/A
- Units
- 624
- 96th pct Senior Care
- SBA default
- 3.9%
- system-wide median varies by category
Quick verdict · Senior Care · color = vs category peers
Green = >15% above Senior Care avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Each dollar invested generates 8.2x in gross revenue, well above the typical 1.5-2.5x range.
Franchising since 1999. Systems this mature have refined operations and brand recognition.
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 (based on P&L Bottom Line).
- Verdict A (Top Quintile) with a risk score of 21/100. SBA loan charge-off rate of 3.9% across 116 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- 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
- Legal entity
- CK Franchising, Inc.
- Parent company
- CK Holdco, Inc.
- Incorporated in
- OH
- HQ
- 1 Park Plaza, Suite 300, Irvine, CA 92614
- Auditor
- Grant Thornton LLP
- Audited financials
- Franchisor revenue
- $42.3M
- vs $49.3M prior year
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.
- CEO
- Natalie Black
- Headquarters
- CA
- Founded
- 1999
- FDD year
- 2025
- States available
- 44
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $55K | $55K |
| Working capital (3–6 mo) | $39K | $191K |
| Equipment, build-out, other | $26K | $0 |
| Total initial investment | $120K | $191K |
Source: Comfort Keepers 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$204K
16.0% margin
Unlevered ROIC
76%
EBITDA / total invested capital
Payback
16 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $120K – $191K
- Near category avg vs category
- Liquid capital req'd
- $39K – $191K
- Below avg, review vs category
- Franchise fee
- $55K – $55K
- Near category avg vs category
- Royalty
- the greater of the minimum Royalty Fee of $500 or 5% of G…
- Ad fund
- The lesser of $802.89 per month or 2% of monthly Gross Re…
- Total fee load
- 7.0%
- vs 9–13% typical
- Payback period
- 0.3 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Technology fee | $1K |
| Transfer fee | $28K |
| Renewal fee | $5K |
| Total fee load | 7.0% of rev |
Financial Performance
- Avg gross sales
- $1.3M
- Per unit, per year
- Median gross sales
- $857K
- Avg p&l bottom line
- $589K
- Reported as P&L Bottom Line in FDD Item 19
- Item 19 type
- net_sales
- Sample size
- 600 units
- vs category median 22 · large
- Range (low → high)
- $9K→$21.5M
- Cohort dispersion (min → max)
- Transparency
- 7 / 5
- vs category median 4 / 5 · above
Compared against 70 Senior Care brands
Revenue is 8.2x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Senior Care averages
How Comfort Keepers Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 624
- Opened
- 45
- Last reporting year
- Closed
- 4
- Turnover rate
- 0.6%
- Company-owned
- 5
- Corporate units in the system
- % franchised
- 99%
- vs corporate-owned
- Net growth (yr3)
- +7.1%
- Net unit change last year
- 3-yr CAGR
- +17.0%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 31
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 45 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 contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 116
- Loan volume
- $66.1M
- Median loan
- $200K
- 50th percentile
- Charge-off rate
- 3.9%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 96.1%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 58
- Defaults
- 3
Vintage analysis
Comfort Keepers charge-off rate by loan vintage
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Comfort Keepers's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 15 states
- Startup risk premium and job creation velocity
- 23-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
Risk analysis
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.
Audited financials (Item 21)
Yes · Grant Thornton LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 21 / 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
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Territory type | Zip codes |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Ohio |
| Litigation count | 6 |
Items 10, 11
Training & Operations
- Classroom training
- 45 hrs
- On-the-job training
- 3 hrs
- POS system
- Viv Technologies
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Viv Technologies
Item 20 · call current owners
Franchisee Contacts
356 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Comfort Keepers · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Comfort Keepers franchise?
The total investment to open a Comfort Keepers franchise ranges from $120K – $191K, with an initial franchise fee of $55K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Comfort Keepers franchise owners earn?
According to Item 19 of the Comfort Keepers FDD, the average gross sales per unit is $1.3M. The median is $857K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Comfort Keepers's franchise failure rate?
Based on SBA 7(a) loan data, Comfort Keepers has a charge-off rate of 3.9% across 116 loans, meaning 3.9% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many Comfort Keepers franchise locations are there?
As of their most recent FDD filing, Comfort Keepers has 624 total units in the United States, including 535 franchised units and 5 company-owned units. 45 new units were opened in the latest reporting year.
Is Comfort Keepers a good franchise to buy?
FranchiseVerdict rates Comfort Keepers as a A-grade franchise with a risk score of 21 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.