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3 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.
These brands report different earnings metrics (TOTAL GROSS REVENUE (Average), Adjusted Profit). Financial figures may not be directly comparable.
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 Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.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 |  DBelow averageKoala Insulation Home Services 2026 FDD Remove |  FWeakest tieriFoam Home Services 2025 FDD Remove |  BAbove averageThe Brothers that just do Gutters Home Services 2026 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Jan 23, 2026 | 2025 FDD | FDD issued Apr 24, 2026 |
Investment range | $195K – $242K | $172K – $266K | $145K – $285K |
Liquid capital | $50K – $50K | $20K – $40K | $45K – $125K |
Franchise fee | $50K | $15K | $50K |
Royalty rate | 6.5% | Flat fee | 10.0% |
Ad fund rate | 1.0% | Not extracted | 2.0% |
| Performance | |||
Avg gross sales | $1.3MPer franchisee, not per outlet | $1.4MPer franchisee, not per outlet | $1.1MOutlet subset |
Median gross sales | $1.0MPer franchisee, not per outlet | $1.2MPer franchisee, not per outlet | $1.0MOutlet subset |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted | $320K |
Earnings metric | TOTAL GROSS REVENUE (Average) | Not classified | Adjusted Profit |
| Risk | |||
Rating | DBelow average | FWeakest tier | BAbove average |
Verdict score | 36 / 100 | 24 / 100 | 56 / 100 |
SBA charge-off rate | 23.8% (n=85) | 26.7% (n=66) | 21.4% (n=76) |
SBA loans on record | 85 | 66 | 76 |
| Scale | |||
Total units | 333 | 90 | 110 |
Net change (latest yr) | -59 | -30 | +10 |
Signed, not yet open | 8 (0.02 per open outlet) | 4 (0.04 per open outlet) | 15 (0.14 per open outlet) |
Turnover rate | 25.5% | 55.8% | 9.1% |
| Contract | |||
Initial term (years) | 10 | 5 | 10 |
Renewal term (years) | 5 | 5 | 10 |
Initial training (hrs) | 81 | 144 | 75 |
| Contacts | |||
Franchisee phones | 122 | 22 | 25 |
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