Compare
2 brands side-by-side
Compare up to 5 brands side by side
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 averageToro Taxes Financial Services 2026 FDD Remove |  BAbove averageLiberty Tax Service Financial Services 2026 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Apr 20, 2026 | FDD issued Apr 9, 2026 |
Investment range | $18K – $79K | $50K – $71K |
Liquid capital | $3K – $9K | $3K – $5K |
Franchise fee | $5KConditional fee | $25K |
Royalty rate | Set by a formula | 14.0% |
Ad fund rate | 2.0% | 5.0% |
| Performance | ||
Avg gross sales | $64K | $165KNet sales |
Median gross sales | $43K | $139K |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted |
Earnings metric | Not classified | Not classified |
| Risk | ||
Rating | BAbove average | BAbove average |
Verdict score | 60 / 100 | 68 / 100 |
SBA charge-off rate | Not SBA-matched | 11.7% (n=264) |
SBA loans on record | N/A | 264 |
| Scale | ||
Total units | 194 | 1,663 |
Net change (latest yr) | -13 | -149 |
Signed, not yet open | 48 (0.25 per open outlet) | Not extracted |
Turnover rate | 0.0% | 10.3% |
| Contract | ||
Initial term (years) | 5 | 5 |
Renewal term (years) | 5 | 5 |
Initial training (hrs) | 58 | 44 |
| Contacts | ||
Franchisee phones | 25 | 186 |
Looking for a detailed head-to-head breakdown?
Read the Toro Taxes vs Liberty Tax Service editorial comparison →Need franchisee contacts for these brands?
Save with a contact bundle →