FranchiseVerdict
Noble Roman's Pizza logo
FV-01790·AVOIDStandard71

Noble Roman's Pizza

Food & Beverage - PizzaFranchising since 1972Website
Investment
$32K – $142K
5th pct Pizza
Avg revenue
46th pct Pizza
Royalty
Units
414
86th pct Pizza
SBA default
0.0%
vs <3% typical

Bottom line

  • Total investment $32K – $142K including a $8K franchise fee.
  • No Item 19 financial performance data disclosed — the franchisor chose not to publish revenue figures.
  • Rated AVOID with a risk score of 79/100. SBA loan default rate of 0.0% across 2 loans (below the industry average).
  • System contracting at -85.3% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).

Item 1 · who you're contracting with

The Franchisor

Legal entity
Noble Roman's, Inc.
Incorporated in
Indiana
HQ
6612 E. 75th Street, Suite 450, Indianapolis, Indiana 46250
Auditor
Sassetti LLC
Audited financials
Franchisor revenue
$14.5M
vs $14.4M prior year

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 Noble Roman's Pizza unit return on the cash you put in?

Revenue · per unit, per year
$
Item 19 not disclosed — typing your own estimate
Franchisor take · royalty + ad fund
Royaltytyp 68%
%
Ad fundtyp 35%
%
Operating costs · category default: restaurant
COGS
%
Labor
%
Rent / occupancy
%
Other operating
%
Total invested capital · what you actually put in
Initial investment
$
FDD Item 7: $32K–$142K
Working capital
$
FDD reports $3K–$8K

Unlevered ROIC · per unit

97%

Above typical band (30–60%)

0%30–60% Yale band80%

Store EBITDA · annual
$90K
EBITDA margin
12.0%
Total invested
$92K
Payback
12 mo
Unit-level only. A multi-unit portfolio gives up roughly 5–15% of this to shared services (corporate G&A) before reaching the ~10-unit break-even Yale describes.

Overview

About

Franchisees operate pizza restaurants (in-store and delivery) or co-branded kiosks in convenience stores and non-traditional venues. Day-to-day operations include food preparation, customer service, delivery management, inventory control, and adherence to brand standards. Many units operate in high-volume, low-margin environments with significant labor and food cost pressures.

CEO
A. Scott Mobley
Founded
1972
FDD year
2025
States available
26

Item 7 · what it costs

The Vitals

Total investment
$32K – $142K
All-in to open one unit
Liquid capital
$3K – $8K
Cash you must have on hand
Franchise fee
$8K
Royalty
Greater of $175.00 per week or 7% of gross sales (9% for …
Ad fund
0.0%
typical 3–5%
Total fee load
7.0%
vs 9–13% typical

Item 19

Financial Performance

This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.

Item 20 · unit dynamics

The Growth Chart

Total units
414
Opened
68
Last reporting year
Closed
2,517
Turnover rate
608.0%
Company-owned
1
Corporate units in the system
% franchised
100%
vs corporate-owned
Net growth (yr3)
-85.6%
Net unit change last year
3-yr CAGR
-85.3%
Compounded over last 3 years
2023
413-2,458
Franchised units
2024
2,871
Franchised units
2025
2,819
Franchised units

Year-over-year franchised unit counts and net change. Source: FDD Item 20.

Item 20 · 43 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).

AK
ME
VT
NH
MA
RI
CT
NY
NJ
PA
DE
MD
DC
WA
OR
CA
NV
ID
MT
WY
UT
CO
AZ
NM
ND
SD
NE
KS
OK
TX
MN
IA
MO
AR
LA
WI
IL
MS
TN
MI
IN
KY
AL
OH
WV
GA
VA
NC
SC
FL
HI
Registered · 43 states
Not registered

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.

Total loans
2
Loan volume
Avg loan
Default rate
0.0%
vs <3% typical · system-wide
5-yr default

FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17

Risk & Legal

79
Risk · 0-100
AVOID79 / 100

Noble Roman's is in acute decline with 85.6% unit contraction, missing financial disclosures, and going concern uncertainty—representing extreme systemic risk unsuitable for most investors.

Score breakdown · what drove the 79 / 100 rating

  1. 01MEDCatastrophic unit decline of 85.6% YoY (414 units remaining) indicates systemic failure or mass exit
  2. 02MINORNo average revenue or net income disclosure (Item 19) prevents ROI validation and suggests poor performance
  3. 03HIGHGoing concern status FALSE indicates franchisor may lack financial stability to support franchisees
  4. 04MINORUnprotected territory creates cannibalization risk and direct competition from other franchisees
  5. 05MEDHigh royalty floor ($175/week minimum = $9,100/year) on undisclosed revenue creates break-even risk
  6. 06MINORWide investment range ($32.1K–$141.7K) with no performance benchmarks suggests inconsistent unit economics
  7. 07MINORFranchise fee ($7,500) is low relative to royalty burden, indicating franchisor prioritizes recurring fees over franchisee success

Severity inferred from the FDD text · not a regulatory classification

FDD Items 5, 6, 12, 17 · continued from Risk & Legal

Contract & Territory Detail

Protected territory
No
Initial term
10 years
Renewal term
5 years
Franchisor can compete
Yes
Hire a manager?
Allowed
Litigation count
0
Right of first refusal
No
Franchisor can buy back on resale
Mandatory arbitration
No
Non-compete
2 yrs
Post-termination restriction
Owner-operator
Optional
Governing law
Indiana

Item 11

Training & Operations

Classroom training
0 hrs
On-the-job training
36 hrs

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

45 numbers

Locked
(207) 582-••••
ME
(785) 296-••••
KS
(515) 281-••••
IA

One-time purchase · CSV download · Validation questions included

FDD download

Noble Roman's Pizza · FDD (2025) PDF

Single-page checkout · instant download · CSV export of contacts available separately above