H&R BLOCK vs Jackson Hewitt Inc.
Compare FDD disclosures, investment range, royalty and ad fund burden, SBA lending outcomes, Item 20-style unit movement, Item 19 transparency, and data-confidence caveats with a permanent shareable URL.
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H&R BLOCK
Financial Services
Investment
$34K to $159K
Franchise fee
$2,500
Item 19 status
Limited Data
Confidence
Medium Confidence
Units
2,339
Jackson Hewitt Inc.
Financial Services
Investment
$15K to $105K
Franchise fee
$25,000
Item 19 status
Confidence
High Confidence
Units
3,092
Lower entry cost
Leans right
Based on disclosed minimum initial investment only; buyer cash needs may be higher after working capital, lease, and financing assumptions.
Better disclosed economics
H&R BLOCK
Uses the same Item 19 transparency hierarchy shown on franchise pages and rankings.
Lower SBA default risk
Leans left
Treat low-loan brands carefully; sample size and SBA borrower mix matter.
| Metric | H&R BLOCK | Jackson Hewitt Inc. |
|---|---|---|
Franchise Fee From disclosed FDD fee data when available; excludes buyer-specific legal, diligence, and financing costs. | $2,500 | $25,000 |
Min Investment Lower bound of disclosed initial investment range, not a recommended capital budget. | $34K | $15K |
Max Investment Upper end of FDD range; still reconcile to site, lease, buildout, and working-capital assumptions. | $159K | $105K |
Royalty Rate Ongoing royalty burden before local store economics and owner salary. | 4.0% | 15.0% |
Ad Fund Rate National/brand fund rate when disclosed; local marketing may be additive. | N/A | 6.5% |
Total Ongoing Burden Royalty plus ad fund when available. | 4.0% | 21.5% |
Median Revenue (Item 19) Only meaningful when the franchisor provides an Item 19 financial-performance representation. | N/A | $87K |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | N/A | 5.1% |
Payback Period | N/A | 19.7 yrs |
Revenue per Dollar Invested | N/A | 1.45x |
Franchised Units Latest disclosed franchised-unit count in the corpus. | 2,339 | 3,092 |
1-Year Net Unit Change Item 20-style system movement signal; investigate transfers, closures, and refranchising before assuming organic growth. | -76 | -111 |
Net Unit Growth Rate | -3.0% | -3.3% |
Net Closure Rate Net closure proxy based on disclosed unit change. | 3.1% | 3.5% |
SBA Default Rate Historical SBA performance for matched loans, not a prediction for a new buyer or location. | 0.0% | 1.5% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 4 | 88 |
Average SBA Loan Size | $146K | $617K |
Item 19 Status Canonical transparency badge used across franchise, ranking, and compare surfaces. | Limited Data | |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Confidence Derived from the same data-quality thresholds used on franchise pages. | Medium Confidence · 75/100 | High Confidence · 100/100 |
What stands out
- • H&R BLOCK discloses an initial investment range of $34K to $159K, while Jackson Hewitt Inc. discloses $15K to $105K. Treat these as FDD ranges, not a full purchase budget.
- • H&R BLOCK shows an Item 19 financial-performance disclosure; Jackson Hewitt Inc. shows an Item 19 financial-performance disclosure. Missing Item 19 data should narrow confidence, not automatically kill a brand.
- • H&R BLOCK has 2,339 franchised units versus 3,092 for Jackson Hewitt Inc.; use one-year net unit movement and closure proxies as early diligence signals, not final underwriting.
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Last updated: May 2026