Jiffy Lube Franchise Cost, Revenue & Review 2026
- Investment
- $211K – $510K
- Disclosed sales
- $1.1M
- gross sales, not profit
- SBA charge-off
- 6.3%
- on 98 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Jiffy Lube is a quick-lube automotive franchise providing fast oil changes, fluid services, and preventive maintenance. Franchisees run service centers managing technician teams, appointments, and inventory.
FranchiseVerdict summary · 2026
A Jiffy Lube franchise requires a total initial investment of $211K – $510K, including a $35K franchise fee and an ongoing 4.0% royalty[2]. Per the 2026 FDD, average unit revenue was $1.1M[2]. SBA 7(a) loans show a 6.3% charge-off rate across 98 loans[1]. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: low - issued within the last 12 months
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✓ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored8 of 8 headline figures on this page cite a page of the filing.
Overview
- Investment
- $211K – $510K
- 28th pct Automotive
- Avg gross sales
- $1.1M
- Net sales12th pct Automotive
- Royalty
- 4.0%
- 4th pct Automotive
- Units
- 2,083
- 55th pct Automotive
- SBA charge-off
- 6.3%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Automotive · color = vs category peers
Green = favorable by >10% vs Automotive median · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $211K – $510K including a $35K franchise fee, 4.0% ongoing royalty.
- RETURNSAverage unit revenue of $1.1M/year (median $974K).
- RISKVerdict A (Strongest tier), verdict score 85/100 (higher is better). SBA loan charge-off rate of 6.3% across 98 loans (near or below the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHPositive: net +44 franchised outlets in the latest year (67 opened, 23 closed); 5 signed but not yet open (Item 20).
- LEGAL20 litigation matters disclosed in Item 3, higher than typical. Review the summary for patterns (franchisor-initiated vs. franchisee-initiated).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Jiffy Lube International, Inc.
- Parent company
- Shell USA, Inc.
- FDD Item 1, page 10 of the 2026 FDD
- Incorporated in
- DE
- HQ
- 150 N. Dairy Ashford, Houston, Texas 77079
- Auditor
- Shell USA, Inc. (parent; Shell's audited financials attached)
- Audited financials
- Franchisor revenue
- $55.4B
- vs $60.5B prior year
Affiliated brands
- of Monomoy Capital Partners
- Equilon Enterprises
- Shell Canada Products
- Texas Petroleum Group
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Mauricio Quezada
- Headquarters
- TX
- Founded
- 1979
- FDD year
- 2026
- States available
- 49
Can you afford it, and what does the money buy?
Entry cost is about typical for a automotive franchise (near the category median).
Source: FDD 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $35K | $35K |
| Working capital (3–6 mo) | $45K | $45K |
| Equipment, build-out, other | $131K | $430K |
| Total initial investment | $211K | $510K |
Source: Jiffy Lube 2026 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $211K – $510K
- Top 40% of category vs category
- Liquid capital req'd
- $45K – $45K
- Top 40% of category vs category
- Franchise fee
- $35K – $35K
- Top 40% of category vs category
- Royalty
- 4.0%
- typical 6–8%
- Ad fund
- 1.5%
- typical 3–5%
- Total fee load
- 5.5%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 4.0% of gross sales |
| Marketing / ad fund | 1.5% of gross sales |
| Technology fee | $192 |
| Training fee | $5K |
| Transfer fee | $4K |
| Renewal fee | $10K |
| Inventory (initial) | $20K – $30K |
| Total fee load | 5.5% of rev |
A 5.5% total fee load is unusually lean. More of each revenue dollar stays with the franchisee.
What do units actually make?
Average unit sales land near the automotive norm.
Reported as net sales, not gross sales
Source: FDD 2026 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for Jiffy Lube until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
Total invested capital · disclosed
$406K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own lease quote, labor market and build-out budget.
Returns model · single-unit ROIC
What would one Jiffy Lube unit return on the cash you put in?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2026 FDD
Financial Performance
Reported as net sales, not gross sales
- Avg gross sales
- $1.1M
- Per unit, per year
- Median gross sales
- $974K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- net adjusted sales
- Sample size
- 2,049 outlets
- vs category median 70 · large
- Range (low → high)
- $190K→$6.0MCited, not corroborated — printed on page 73 of the 2026 FDD. Nothing else in our record independently restates or re-derives it.
- Cohort dispersion (min → max)
- Quartile band
- $539K→$1.8M
- Bottom 25% → top 25%
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
- Transparency
- 4 / 10
- vs category median 4 / 10 · typical
Compared against 167 Automotive brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $1.1M/year in gross sales. Revenue-to-investment ratio: 3.0x.
Fee burden
Total ongoing fee load of 5.5% — below the Automotive median of 8.0%.
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System roughly stable (+4.9% 3-year CAGR) with 2,083 units.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Automotive medians
How Jiffy Lube Compares
Category median of published Automotive brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
Is the system healthy?
Source: FDD 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 2,083
- Opened
- 67
- Last reporting year
- Closed
- 23
- Terminated
- 21
- Franchisor ended the franchise (per Item 20)
- Turnover rate
- 1.1%
- Company-owned
- 318
- Corporate units in the system
- % franchised
- 85%
- vs corporate-owned
- Net growth (3-yr)
- +4.9%
- Net unit change over 3 years
- 3-yr CAGR
- +4.9%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 21
- Reacquired
- 2
- Franchisor bought back
- Signed, not yet open
- 5
- 0.00 per open outlet · Item 20 Table 5
- Projected new
- 13
- Franchisor's next-year forecast
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 22 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.
Where the owners are · Item 20 owner list
134 current owners across 15 states; 28 former (terminated, transferred or not renewed) listed separately.
- AZ 76
- AR 13
- MA 13
- CA 8
- AL 7
- AK 5
- GA 2
- VA 2
- VT 2
- DE 1
- IL 1
- NH 1
- +3 more states
Counts only, from the list the franchisor prints in Item 20. Names and phone numbers are for your own due diligence and are not shown here.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 98
- Loan volume
- $91.2M
- Median loan
- $588K
- 50th percentile
- Charge-off rate
- 6.3%
- on 98 loans · 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)
- 93.7%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 42
- Defaults
- 5
- Typical loan rate
- 5.8%
- avg rate to borrowers
- Franchised industry avg
- 14.5%
- brand beats franchise avg ↓
- Jobs supported
- 3,079
- 3.4 per loan
- Lender concentration
- 16%
- top lender's share
Borrower mix: 19% went to startups / new businesses, 81% to established operators
Franchise vs independent — in automotive oil change and lubrication shops, franchised businesses charge off at 14.5% vs 17.7% for independents — franchising is associated with 18% lower SBA default risk in this category.
Vintage analysis
Jiffy Lube charge-off rate by loan vintage
Top lenders financing Jiffy Lube franchisees
Showing 3 of 42 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for Jiffy Lube from SBA 7(a) FOIA data.
- Principal loss rate
- 1.4%
- Avg SBA guarantee
- 76%
- Avg interest rate
- 5.83%
- Avg chargeoff amount
- $249K
- Lender concentration
- 16.3%
- Job velocity
- 3.4 per $100K
- NAICS benchmark
- 9.6%
- NAICS 811191
- Jobs supported
- 3,079
Top SBA lendersTop lender holds 16% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 16 | $30.0M | 0.0% |
| 2 | Wells Fargo Bank National Association | 14 | $7.4M | 7.1% |
| 3 | Readycap Lending, LLC | 6 | $5.0M | 33.3% |
| 4 | Columbia Bank | 6 | $1.9M | 0.0% |
| 5 | U.S. Bank, National Association | 3 | $1.7M | 0.0% |
| 6 | Old National Bank | 3 | $328K | 0.0% |
| 7 | Bank of Hope | 2 | $1.3M | 0.0% |
| 8 | Prairie State Bank and Trust | 2 | $855K | 0.0% |
| 9 | Bank of America, National Association | 2 | $302K | 0.0% |
| 10 | Community West Bank | 2 | $541K | 50.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| CACalifornia | 36 | 1 | 3.3% |
| ILIllinois | 14 | 0 | 0.0% |
| COColorado | 5 | 1 | 20.0% |
| IDIdaho | 5 | 0 | 0.0% |
| NDNorth Dakota | 4 | 0 | 0.0% |
| UTUtah | 4 | 0 | 0.0% |
| FLFlorida | 3 | 0 | 0.0% |
| INIndiana | 3 | 0 | 0.0% |
| MTMontana | 3 | 0 | 0.0% |
| OROregon | 3 | 0 | 0.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
What could kill this investment?
SBA loans charge off at 6.3% — 60% below the 16.0% national norm, i.e. lower lender-observed risk.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Shell USA, Inc. (parent; Shell's audited financials attached)
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Item 21 financials are the audited consolidated statements of the parent company Shell USA, Inc. and subsidiaries (not Jiffy Lube International standalone), in $ millions, for FY ended Dec 31, 2025/2024/2023, audited by Ernst & Young LLP. The franchisor's revenue is 2025 sales and other operating revenue $55,444M; Total revenue is $58,077M total revenue and other income; Other revenue is $2,633M (equity-method income, gains on sale, interest, other income). Net income $2,751M (net income attributable to shareholder $2,743M). Total shareholder's equity $48,266M (parent shareholder's equity $48,260M + $6M NCI).
ⓘ These are the parent company's consolidated financials (the parent guarantees the franchisor), not this brand's standalone results — the figure reflects the whole corporate group, not this brand alone.
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
Score breakdown · what drove the 85 / 100 verdict
- 01HIGHLitigation involving consumer fraud allegations and multiple franchisee arbitration cases regarding renewal terms and supply agreements signal systemic disputes
- 02MINORSlowing unit growth at 2.6% YoY in a mature 2,083-unit system suggests market saturation and potential franchisee struggles
- 03MINORMultiple arbitration cases with franchisees specifically over renewal terms (20-year franchise) indicate contentious franchisor-franchisee relationships
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 5.5% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2026 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 20 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 1 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 3 mi |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 3 years |
| Non-compete (miles)ℹ | 10 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 20 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaultsℹ | 1 |
| Mandatory arbitration | Yes |
| Arbitration location | Houston, Texas |
| Jury trial waiver | No |
| Governing law | TX |
| Litigation count | 20 |
Items 10, 11
Training & Operations
- Classroom training
- 20 hrs
- On-the-job training
- 40 hrs
- Training location
- Houston, TX
- Ongoing training
- Required
- Site selection
- Franchisee with franchisor approval; BTS Program available where franchisor and developer identify location
- Franchisor financing
- Not offered
- Item 10
- POS system
- Jiffy Lube POS System
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Jiffy Lube POS System
Item 20 · call current owners
Franchisee Contacts
162 owners to call
Name · phone · city · state. Extracted from FDD Item 20
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Jiffy Lube franchise?
The total investment to open a Jiffy Lube franchise ranges from $211K – $510K, with an initial franchise fee of $35K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Jiffy Lube franchise owners earn?
According to Item 19 of the Jiffy Lube FDD, the average gross sales per unit is $1.1M. The median is $974K. Important context: Reported as net sales, not gross sales. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns Jiffy Lube?
Jiffy Lube is franchised by Jiffy Lube International, Inc.. Its parent company is Shell USA, Inc.. Source: FDD Item 1, 2026 filing.
What is Item 19 in the Jiffy Lube FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the Jiffy Lube FDD and qualifies whose outlets they describe.
What is Jiffy Lube's franchise failure rate?
Based on SBA 7(a) loan data, Jiffy Lube has a charge-off rate of 6.3% across 98 loans, meaning 6.3% 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 Jiffy Lube franchise locations are there?
As of their most recent FDD filing, Jiffy Lube has 2,083 total units in the United States, including 1,765 franchised units and 318 company-owned units. 67 new units were opened in the latest reporting year.
Is Jiffy Lube a good franchise to buy?
FranchiseVerdict rates Jiffy Lube as a A-grade franchise with a verdict score of 85 out of 100 (higher is better). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. 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.
For franchisors
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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.