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QSRRevenue OnlyItem 19: ✓ DisclosedHigh Confidence · 100/100FDD data: 2024 · Aging

Einstein Bros Bagels Franchise Cost and Profit

FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for Einstein Bros Bagels.

Based on 2024 FDD · 13 filings in corpus

FranchiseIQ Score
58
C
Moderate Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
C+
65/100
6/7 metrics · High confidence
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Cost and profit at a glance

How much does a Einstein Bros Bagels franchise cost and make?

Based on FDDIQ's FDD corpus, a Einstein Bros Bagels franchise shows an estimated initial investment of $585K – $1.0M. Reported owner economics show $42K. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.

Startup Cost
$585K – $1.0M
Total initial investment
Profit / Revenue
$42K
FDD Item 19 signal
Payback Signal
19.3 years
Modeled return metric
SBA Default Rate
13.3%
Loan repayment history
Compare franchise costsEstimate franchise ROICheck SBA default ratesBrowse QSR franchisesCompare similar franchises

Quick fee read: $35K franchise fee · 9% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

Free decision snapshot

Before you talk to Einstein Bros Bagels, check the numbers buyers usually miss.

The unlocked report ties this brand's FDD disclosures to SBA outcomes, Item 20 movement, fee load, missing-data labels, and buyer assumptions — so you can decide whether this is worth deeper diligence.

FDD disclosure qualitySBA default outcomesItem 20 unit movementFee/cost stressComparable brands
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Total Investment Range$585K$1.0M
MinMid: $805KMax

Key Metrics

Franchise Fee
$35K
Royalty Rate
5%
Ad Fund Rate
4%
Total Burden
9.0%
Royalty + ad fund
Units (2023)
56
Net Unit Growth
-
Year over year
Cash-on-Cash Return
5.2%
Annual estimated return
Payback Period
19.3 yrs
Break-even timeline
SBA Default Rate
13.3%
vs ~7.2% industry avg
Median Revenue
$1.0M
Item 19 disclosed
Premium Data

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CoC ReturnPayback PeriodSBA Default RateMedian RevenueEbitda MarginRisk Score
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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

Einstein Bros Bagels vs. QSR Average

MetricEinstein Bros BagelsQSR Avg
SBA Default Rate13.3%9.4%
Cash-on-Cash Return5.2%14.2%
Total Investment$805K$380K

Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.

SBA Loan Performance

Real lending data from SBA 7(a) loans (2013-2025). 18 loans across 11 states.

Default Rate
13.3%
High Risk
Total SBA Loans
18
11 states
Total Loan Volume
$9.8M
SBA 7(a) approved
Avg Loan Size
$543K
Per franchisee
Loan Status Breakdown
9
Paid in Full (50%)
3
Currently Active
2
Charged Off (4.2% by $)
$408K
Total Charged Off ($)
Paid Active Charged Off

Source: SBA 7(a) loan data via FOIA. Default rate = charged-off loans / total originated. Industry avg default rate ~7.2%.

Compare

Einstein Bros Bagels vs Chick-fil-A, Inc.Einstein Bros Bagels vs McDonald'sEinstein Bros Bagels vs Get Fried

Similar Franchises · QSR

Chick-fil-A, Inc.
Revenue Only
$427K$2.3M
McDonald's
Revenue Only
$1.5M$2.7M
Get Fried
Revenue Only
$102K$505K
Chick-fil-A, Inc.
$427K – $2.3M
McDonald's
$1.5M – $2.7M
Get Fried
$102K – $505K
MAGNOLIA BAKERY
$422K – $1.2M

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Questions to Ask Before You Sign

5 data-driven questions every Einstein Bros Bagels franchise buyer should ask.

  1. 1.What is Einstein Bros Bagels's SBA default rate compared to its competitors?Learn more →
  2. 2.Does Einstein Bros Bagels disclose Item 19 financial performance representations?Learn more →
  3. 3.What is the net unit growth trend over the past 3 years?Learn more →
  4. 4.What is the franchisee termination and transfer rate per Item 20?Learn more →
  5. 5.What do the FDD litigation disclosures (Item 3) reveal about franchisor legal history?Learn more →
Generate attorney questions for Einstein Bros BagelsValidation call guide →
Data sourced from publicly filed Franchise Disclosure Documents (FDDs) submitted to state franchise regulators. SBA loan data from public SBA 7(a) records. Information reflects the most recent FDD filing in our database and may not reflect current terms. Always verify with the franchisor's current FDD before making any investment decision. Not legal or financial advice.

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