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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.
Focus by buyer type
| Brand |  BAbove averageKeystone Insurers Group Financial Services 2025 FDD Remove |  CAverageRenegade Insurance Financial Services 2025 FDD Remove |  AStrongest tierESTRELLA INSURANCE Financial Services 2025 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Apr 4, 2025 | FDD issued Jul 30, 2025 | FDD issued Apr 11, 2025 |
Investment range | $27K – $99K | $28K – $96K | $50K – $84K |
Liquid capital | $0 – $0 | $3K – $18K | $5K – $15K |
Franchise fee | $5K | $20K | $25K |
Royalty rate | Tiered by sales volume | 20.0% | 10.0% |
Ad fund rate | Not extracted | Not extracted | 7.0% |
| Performance | |||
Avg gross sales | No Item 19 representation | No Item 19 representation | Partial, no system averageOutlets $2.1M-$16.7M |
Median gross sales | Not disclosed | Not disclosed | $4.5M |
Avg owner earnings Metric varies by brand. Check type below | Not disclosed | Not disclosed | Not extracted |
Earnings metric | Not classified | Not classified | Not classified |
| Risk | |||
Rating | BAbove average | CAverage | AStrongest tier |
Verdict score | 64 / 100 | 39 / 100 | 76 / 100 |
SBA charge-off rate | Under 10 loans (1) | Not SBA-matched | Limited · 10 loans |
SBA loans on record | 1 | N/A | 10 |
| Scale | |||
Total units | 302 | 1 | 219 |
Net change (latest yr) | -18 | +1 | +14 |
Signed, not yet open | Not extracted | 3 (3.00 per open outlet) | Not extracted |
Turnover rate | 8.6% | 0.0% | 0.9% |
| Contract | |||
Initial term (years) | 5 | 10 | 10 |
Renewal term (years) | 5 | 10 | 10 |
Initial training (hrs) | Not extracted | 70 | 240 |
| Contacts | |||
Franchisee phones | 18 | 6 | 204 |
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