H&R Block vs PAYROLL VAULT
Franchise Comparison 2026
Both H&R Block and PAYROLL VAULT are financial services franchises. H&R Block requires an investment of $34K – $159K while PAYROLL VAULT requires $77K – $112K. PAYROLL VAULT discloses average revenue of $282K; H&R Block does not report Item 19 data. On SBA loan performance, H&R Block has a lower charge-off rate (5.6%) compared to PAYROLL VAULT (7.7%). FranchiseVerdict rates H&R Block F (Bottom Quintile) and PAYROLL VAULT F (Bottom Quintile).
| Metric | H&R Block | PAYROLL VAULT |
|---|---|---|
| Verdict Grade | FBottom QuintileBottom Quintile | FBottom QuintileBottom Quintile |
| Investment Range | $34K – $159K | $77K – $112K |
| Franchise Fee | $3K | $69K |
| Royalty Rate | 0.6% | greater of 6% of Gross Revenue or $400 |
| Average Revenue (Item 19) | N/A | $282K |
| SBA Charge-Off Rate | 5.6% (54 loans) | 7.7% (13 loans) |
| Total Units | 8,688 | 62 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1957 | 2012 |
| FDD Year | 2025 | 2025 |
Investment Range
$34K – $159K
$77K – $112K
Franchise Fee
$3K
$69K
Royalty Rate
0.6%
greater of 6% of Gross Revenue or $400
Average Revenue (Item 19)
N/A
$282K
SBA Charge-Off Rate
5.6% (54 loans)
7.7% (13 loans)
Total Units
8,688
62
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1957
2012
FDD Year
2025
2025