H&R Block vs SelectQuote Local
Franchise Comparison 2026
Both H&R Block and SelectQuote Local are financial services franchises. H&R Block requires an investment of $34K – $159K while SelectQuote Local requires $74K – $114K. Neither H&R Block nor SelectQuote Local makes a financial performance representation in Item 19 of its FDD — a voluntary item under the FTC Franchise Rule — so the two cannot be compared on disclosed unit revenue. 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 SelectQuote Local D (Below average).
| Metric | H&R Block | SelectQuote Local |
|---|---|---|
| Verdict Grade | BAbove average | DBelow average |
| Investment Range | $34K – $159K | $74K – $114K |
| Franchise Fee | $3K | $55K |
| Royalty Rate | 40.0% | 20% of Net Revenues on Health/Life Insurance Products in initial term (30% of Net Revenues on Health renewal terms); subject to Minimum Royalty. 'Net Revenues' = Commissions and administrative fees net of reversals, i.e. a commission base, not gross |
| Average Revenue (Item 19) | N/ANo Item 19 representation | N/ANo Item 19 representation |
| SBA Charge-Off Rate | 5.6% (54 loans) | N/A |
| Total Units | 8,688 | 1 |
| Unit Growth (YoY) | -148 units | N/A |
| Year Began Franchising | 2008 | 2026 |
| FDD Year | 2025 | 2026 |
Investment Range
$34K – $159K
$74K – $114K
Franchise Fee
$3K
$55K
Royalty Rate
40.0%
20% of Net Revenues on Health/Life Insurance Products in initial term (30% of Net Revenues on Health renewal terms); subject to Minimum Royalty. 'Net Revenues' = Commissions and administrative fees net of reversals, i.e. a commission base, not gross
Average Revenue (Item 19)
N/ANo Item 19 representation
N/ANo Item 19 representation
SBA Charge-Off Rate
5.6% (54 loans)
N/A
Total Units
8,688
1
Unit Growth (YoY)
-148 units
N/A
Year Began Franchising
2008
2026
FDD Year
2025
2026