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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 (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 Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.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 |  BAbove averageKeystone Insurers Group Financial Services 2025 FDD Remove |  BAbove averageLiberty Tax Service Financial Services 2026 FDD Remove |  AStrongest tierESTRELLA INSURANCE Financial Services 2025 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Apr 4, 2025 | FDD issued Apr 9, 2026 | FDD issued Apr 11, 2025 |
Investment range | $27K – $99K | $50K – $71K | $50K – $84K |
Liquid capital | $0 – $0 | $3K – $5K | $5K – $15K |
Franchise fee | $5K | $25K | $25K |
Royalty rate | Tiered by sales volume | 14.0% | 10.0% |
Ad fund rate | Not extracted | 5.0% | 7.0% |
| Performance | |||
Avg gross sales | No Item 19 representation | $165KNet sales | Partial, no system averageOutlets $2.1M-$16.7M |
Median gross sales | Not disclosed | $139K | $4.5M |
Avg owner earnings Metric varies by brand. Check type below | Not disclosed | Not extracted | Not extracted |
Earnings metric | Not classified | Not classified | Not classified |
| Risk | |||
Rating | BAbove average | BAbove average | AStrongest tier |
Verdict score | 64 / 100 | 68 / 100 | 76 / 100 |
SBA charge-off rate | Under 10 loans (1) | 11.7% (n=264) | Limited · 10 loans |
SBA loans on record | 1 | 264 | 10 |
| Scale | |||
Total units | 302 | 1,663 | 219 |
Net change (latest yr) | -18 | -149 | +14 |
Signed, not yet open | Not extracted | Not extracted | Not extracted |
Turnover rate | 8.6% | 10.3% | 0.9% |
| Contract | |||
Initial term (years) | 5 | 5 | 10 |
Renewal term (years) | 5 | 5 | 10 |
Initial training (hrs) | Not extracted | 44 | 240 |
| Contacts | |||
Franchisee phones | 18 | 186 | 204 |
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