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indicates the clear winner per row. Ties and missing data are not highlighted.
How winners are chosen
Lower is better for investment, liquid capital, franchise fee, royalty and ad-fund rates, SBA charge-off rate, and owner turnover.
Higher is better for disclosed revenue and owner earnings, verdict score, total units, net unit growth, and franchisee contacts. For the letter grade, A ranks highest.
A row is highlighted only when one brand clearly leads. Ties are never highlighted, and missing data never counts as a win. Some rows (earnings-metric type, loan counts, contract terms) are informational and have no winner.
These figures come from FDDs of different years (2023, 2025, 2026). Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.
Focus by buyer type
| Brand |  CAverageAltoCFO Financial Services 2023 FDD Remove |  BAbove averageH&R Block Financial Services 2025 FDD Remove |  DBelow averageSelectQuote Local Financial Services 2026 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Apr 14, 2023 | FDD issued Sep 30, 2025 | 2026 FDD |
Investment range | $77K – $116K | $34K – $159K | $74K – $114K |
Liquid capital | $11K – $30K | $430 – $12K | $6K – $20K |
Franchise fee | $50K | $3K | $55K |
Royalty rate | 10.0% | 40.0% | Not extracted |
Ad fund rate | 3.0% | Not extracted | Not extracted |
| Performance | |||
Avg gross sales | $993KCompany-owned only1 outlet | No Item 19 representation | No Item 19 representation |
Median gross sales | Not extracted | Not disclosed | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not disclosed | Not disclosed |
Earnings metric | Gross Sales | Not classified | Not classified |
| Risk | |||
Rating | CAverage | BAbove average | DBelow average |
Verdict score | 39 / 100 | 53 / 100 | 34 / 100 |
SBA charge-off rate | Not SBA-matched | 5.6% (n=54) | Not SBA-matched |
SBA loans on record | N/A | 54 | N/A |
| Scale | |||
Total units | 1 | 8,688 | 1 |
Net change (latest yr) | 0 | -148 | Not extracted |
Signed, not yet open | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 0.0% | 1.6% | 0.0% |
| Contract | |||
Initial term (years) | 5 | 10 | 10 |
Renewal term (years) | 5 | 10 | 10 |
Initial training (hrs) | 40 | 61 | 281 |
| Contacts | |||
Franchisee phones | 0 | 2,052 | 0 |
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