PAYROLL VAULT vs H&R Block
Franchise Comparison 2026
Both PAYROLL VAULT and H&R Block are financial services franchises. PAYROLL VAULT requires an investment of $77K – $112K while H&R Block requires $34K – $159K. 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 PAYROLL VAULT F (Bottom Quintile) and H&R Block F (Bottom Quintile).
| Metric | PAYROLL VAULT | H&R Block |
|---|---|---|
| Verdict Grade | FBottom QuintileBottom Quintile | FBottom QuintileBottom Quintile |
| Investment Range | $77K – $112K | $34K – $159K |
| Franchise Fee | $69K | $3K |
| Royalty Rate | greater of 6% of Gross Revenue or $400 | 0.6% |
| Average Revenue (Item 19) | $282K | N/A |
| SBA Charge-Off Rate | 7.7% (13 loans) | 5.6% (54 loans) |
| Total Units | 62 | 8,688 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2012 | 1957 |
| FDD Year | 2025 | 2025 |
Investment Range
$77K – $112K
$34K – $159K
Franchise Fee
$69K
$3K
Royalty Rate
greater of 6% of Gross Revenue or $400
0.6%
Average Revenue (Item 19)
$282K
N/A
SBA Charge-Off Rate
7.7% (13 loans)
5.6% (54 loans)
Total Units
62
8,688
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2012
1957
FDD Year
2025
2025