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FranchiseVerdict

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2 brands side-by-side

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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.

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Focus by buyer type

Brand
H&R Block logoBAbove average
H&R Block
Financial Services
2025 FDD
 Remove
PAYROLL VAULT logoBAbove average
PAYROLL VAULT
Financial Services
2025 FDD
 Remove
Vitals
FDD filing
FDD issued Sep 30, 2025
FDD issued Apr 15, 2025
Investment range
$34K – $159K
$77K – $112K
Liquid capital
$430 – $12K
$3K – $10K
Franchise fee
$3K
$69K
Royalty rate
40.0%
6.0%
Ad fund rate
Not extracted
Not extracted
Performance
Avg gross sales
No Item 19 representation
$282K
Median gross sales
Not disclosed
Not extracted
Avg owner earnings
Metric varies by brand. Check type below
Not disclosed
Not extracted
Earnings metric
Not classified
Total Income
Risk
Rating
BAbove average
BAbove average
Verdict score
53 / 100
66 / 100
SBA charge-off rate
5.6% (n=54)
Limited · 13 loans
SBA loans on record
54
13
Scale
Total units
8,688
61
Net change (latest yr)
-148
+6
Signed, not yet open
0 (0.00 per open outlet)
0 (0.00 per open outlet)
Turnover rate
1.6%
11.5%
Contract
Initial term (years)
10
5
Renewal term (years)
10
10
Initial training (hrs)
61
99
Contacts
Franchisee phones
2,052
10

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