H&R Block vs AltoCFO
Franchise Comparison 2026
Both H&R Block and AltoCFO are financial services franchises. H&R Block requires an investment of $34K – $159K while AltoCFO requires $77K – $116K. AltoCFO discloses average revenue of $993K; H&R Block does not report Item 19 data. Note: Company-owned outlets only - not franchisee performance; Based on a single outlet - not a system average. H&R Block has SBA lending data on file with a 5.6% charge-off rate. FranchiseVerdict rates H&R Block B (Above average) and AltoCFO C (Average).
| Metric | H&R Block | AltoCFO |
|---|---|---|
| Verdict Grade | BAbove averageAbove average | CAverageAverage |
| Investment Range | $34K – $159K | $77K – $116K |
| Franchise Fee | $3K | $50K |
| Royalty Rate | 40.0% | 10.0% |
| Average Revenue (Item 19) | N/A | $993KCompany-owned only · n=1 |
| SBA Charge-Off Rate | 5.6% (54 loans) | N/A |
| Total Units | 8,688 | 1 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2008 | 2022 |
| FDD Year | 2025 | 2023 |
Investment Range
$34K – $159K
$77K – $116K
Franchise Fee
$3K
$50K
Royalty Rate
40.0%
10.0%
Average Revenue (Item 19)
N/A
$993KCompany-owned only · n=1
SBA Charge-Off Rate
5.6% (54 loans)
N/A
Total Units
8,688
1
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2008
2022
FDD Year
2025
2023