Circle K vs PANDORA
Franchise Comparison 2026
Both Circle K and PANDORA are retail franchises. Circle K requires an investment of $1.5M – $2.7M while PANDORA requires $961K – $1.8M. Circle K discloses average revenue of $1.4M; PANDORA makes no financial performance representation in its Item 19, which is voluntary under the FTC Franchise Rule. Circle K has SBA lending data on file with a 6.7% charge-off rate. FranchiseVerdict rates Circle K B (Above average) and PANDORA B (Above average).
| Metric | Circle K | PANDORA |
|---|---|---|
| Verdict Grade | BAbove average | BAbove average |
| Investment Range | $1.5M – $2.7M | $961K – $1.8M |
| Franchise Fee | $25K | N/A |
| Royalty Rate | 3.0% | No royalty fee; franchisee revenue model is based on required purchase of all inventory from franchisor |
| Average Revenue (Item 19) | $1.4M | N/ANo Item 19 representation |
| SBA Charge-Off Rate | 6.7% (80 loans) | Limited data |
| Total Units | 6,063 | 447 |
| Unit Growth (YoY) | -53 units | -48 units |
| Year Began Franchising | 1995 | 2010 |
| FDD Year | 2024 | 2024 |
Investment Range
$1.5M – $2.7M
$961K – $1.8M
Franchise Fee
$25K
N/A
Royalty Rate
3.0%
No royalty fee; franchisee revenue model is based on required purchase of all inventory from franchisor
Average Revenue (Item 19)
$1.4M
N/ANo Item 19 representation
SBA Charge-Off Rate
6.7% (80 loans)
Limited data
Total Units
6,063
447
Unit Growth (YoY)
-53 units
-48 units
Year Began Franchising
1995
2010
FDD Year
2024
2024