CAR-X vs Honest-1
Side-by-side figures from each brand's latest FDD Item 20 as we extracted them; verdicts are our opinion under the published methodology, and the source filing and year are on each brand's profile. Green marks the more favorable metric (lower for distress), not a recommendation to buy.
Units · latest run
-21.8% (2023–2025)
Net unit change
-6.2% (2021–2025)
Weak
Exit quality
Weak
Strong
Transfer / churn
Strong
Too few seasoned loans
SBA losses vs same-year loans
1.1× expected (8 of 56)
—
Distress
—
$35,000
Franchise fee
$75,000
$396K–$582K
Investment range
$285K–$1.3M
5%
Royalty
6%
Disclosed
Earnings (Item 19)
Disclosed
CAR-X
Honest-1
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