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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 Income, Gross Sales). Financial figures may not be directly comparable.
These figures come from FDDs of different years (2023, 2025). Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.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 averagePAYROLL VAULT Financial Services 2025 FDD Remove |  BAbove averageH&R Block Financial Services 2025 FDD Remove |  CAverageAltoCFO Financial Services 2023 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Apr 15, 2025 | FDD issued Sep 30, 2025 | FDD issued Apr 14, 2023 |
Investment range | $77K – $112K | $34K – $159K | $77K – $116K |
Liquid capital | $3K – $10K | $430 – $12K | $11K – $30K |
Franchise fee | $69K | $3K | $50K |
Royalty rate | 6.0% | 40.0% | 10.0% |
Ad fund rate | Not extracted | Not extracted | 3.0% |
| Performance | |||
Avg gross sales | $282K | No Item 19 representation | $993KCompany-owned only1 outlet |
Median gross sales | Not extracted | Not disclosed | Not extracted |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not disclosed | Not extracted |
Earnings metric | Total Income | Not classified | Gross Sales |
| Risk | |||
Rating | BAbove average | BAbove average | CAverage |
Verdict score | 66 / 100 | 53 / 100 | 39 / 100 |
SBA charge-off rate | Limited · 13 loans | 5.6% (n=54) | Not SBA-matched |
SBA loans on record | 13 | 54 | N/A |
| Scale | |||
Total units | 61 | 8,688 | 1 |
Net change (latest yr) | +6 | -148 | 0 |
Signed, not yet open | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 11.5% | 1.6% | 0.0% |
| Contract | |||
Initial term (years) | 5 | 10 | 5 |
Renewal term (years) | 10 | 10 | 5 |
Initial training (hrs) | 99 | 61 | 40 |
| Contacts | |||
Franchisee phones | 10 | 2,052 | 0 |
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