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Report Generated: April 01, 2026 Data Source: Official FDD Filing (2025)
See full cost breakdown →

Panera Bread Franchise: Cost, Earnings & Real FDD Data

Fast Casual

Fenton, Missouri · Founded 1993 · Franchising since 1993

69.0
Average
N/A
Total Units
$2.91M
Median Revenue
N/A
Total Investment
5.0%
Royalty Rate
$417K
Est. Profit
2.6%
Closure Rate

The Panera Bread franchise charges a 5.0% royalty fee in the Fast Casual category. This report analyzes the full Franchise Disclosure Document including unit economics, fee structure, growth trends, and risk indicators to help you evaluate the cost of investing in Panera Bread.

Key Takeaways

Growth Signal
Net -1117 units over 4 years (declining)
Fee Burden
Royalty + ad fund = 7.0% of gross sales, vs 7.3% category average
Financial Disclosure
This brand discloses financial performance data (Item 19)

Deal Breakers 1 flag detected

Critical issues identified from FDD analysis that warrant serious consideration before investing.

System Shrinking by 100%
The franchise went from 1,117 to 0 units — a net loss of 1,117 locations. A shrinking system may indicate franchisee dissatisfaction, poor unit economics, or brand decline.
Question to ask the franchisor:
What is driving the unit losses? Are closures voluntary or forced? What is the company doing to reverse the trend?

Franchise Breakdown Score 69.0/100 · Average

Composite quality score based on growth, stability, efficiency, fees, transparency, and system size.

Unit Growth
3/20
Stability
12/20
Investment Efficiency
10/20
Fee Reasonableness
15/15
Transparency
10/10
System Size
4/15

3 Panera Bread Franchise Revenue & Earnings (Item 19) Item 19 Available FDD Item 19

Financial performance data as disclosed in FDD Item 19.

$2.93M
Median Revenue

P&L Breakdown by Revenue Cohort

View all disclosed financial metrics (69 rows)
Information Regarding Statement of Average Net Profit and EBITDA of Company-Owned Bakery-Cafes. (6 rows)
Metric Value Unit Cohort Period
Number of company-owned Bakery-Cafes used for calculating Average Net Profit and EBITDA 1050.0 COUNT -- Fiscal Year Ending December 31, 2024
Number of delivery and carryout locations included 17.0 COUNT -- Fiscal Year Ending December 31, 2024
Number of delivery only locations excluded 3.0 COUNT -- Fiscal Year Ending December 31, 2024
Median Gross Revenue $2,933,366 USD -- Fiscal Year Ending December 31, 2024
High Gross Revenue $5,970,609 USD -- Fiscal Year Ending December 31, 2024
Low Gross Revenue $559,448 USD -- Fiscal Year Ending December 31, 2024
Information Regarding Statement of Average Net Sales. (8 rows)
Metric Value Unit Cohort Period
Number of company-owned Bakery-Cafes used for calculating Average Net Sales 1050.0 COUNT -- Fiscal Year Ending December 31, 2024
Number of Franchisee-owned Bakery-Cafes used for calculating Average Net Sales 1084.0 COUNT -- Fiscal Year Ending December 31, 2024
Median Net Sales for company-owned Bakery-Cafes $0 USD -- Fiscal Year Ending December 31, 2024
Company-owned Bakery-Cafes attaining or surpassing average Net Sales 490.0 COUNT -- Fiscal Year Ending December 31, 2024
Company-owned Bakery-Cafes attaining or surpassing average Net Sales 46.7% PCT -- Fiscal Year Ending December 31, 2024
Median Net Sales for Franchisee-owned Bakery-Cafes $0 USD -- Fiscal Year Ending December 31, 2024
Franchisee-owned Bakery-Cafes attaining or surpassing average Net Sales 497.0 COUNT -- Fiscal Year Ending December 31, 2024
Franchisee-owned Bakery-Cafes attaining or surpassing average Net Sales 45.8% PCT -- Fiscal Year Ending December 31, 2024
STATEMENT OF AVERAGE NET PROFIT AND EBITDA OF COMPANY-OWNED BAKERY-CAFES FOR THE FISCAL YEAR ENDING DECEMBER 31, 2024. (52 rows)
Metric Value Unit Cohort Period
Gross Revenues $2,997,048 USD -- Fiscal Year Ending December 31, 2024
Gross Revenues 100.0% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Gross Revenues) 490.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Gross Revenues) 46.7% PCT -- Fiscal Year Ending December 31, 2024
Discounts $171,663 USD -- Fiscal Year Ending December 31, 2024
Discounts 5.7% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Discounts) 502.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Discounts) 47.8% PCT -- Fiscal Year Ending December 31, 2024
Net Sales $2,825,385 USD -- Fiscal Year Ending December 31, 2024
Net Sales 94.3% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Net Sales) 490.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Net Sales) 46.7% PCT -- Fiscal Year Ending December 31, 2024
Cost of Sales $885,583 USD -- Fiscal Year Ending December 31, 2024
Cost of Sales 29.5% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Cost of Sales) 498.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Cost of Sales) 47.4% PCT -- Fiscal Year Ending December 31, 2024
Gross Profit $1,939,802 USD -- Fiscal Year Ending December 31, 2024
Gross Profit 64.7% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Gross Profit) 485.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Gross Profit) 46.2% PCT -- Fiscal Year Ending December 31, 2024
Labor $880,006 USD -- Fiscal Year Ending December 31, 2024
Labor 29.4% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Labor) 461.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Labor) 43.9% PCT -- Fiscal Year Ending December 31, 2024
Operating Expenses $247,034 USD -- Fiscal Year Ending December 31, 2024
Operating Expenses 8.2% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Operating Expenses) 485.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Operating Expenses) 46.2% PCT -- Fiscal Year Ending December 31, 2024
Advertising Expenses $79,970 USD -- Fiscal Year Ending December 31, 2024
Advertising Expenses 2.7% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Advertising Expenses) 494.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Advertising Expenses) 47.0% PCT -- Fiscal Year Ending December 31, 2024
Fixed Expenses $134,361 USD -- Fiscal Year Ending December 31, 2024
Fixed Expenses 4.5% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Fixed Expenses) 443.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Fixed Expenses) 42.2% PCT -- Fiscal Year Ending December 31, 2024
Occupancy Expenses $216,728 USD -- Fiscal Year Ending December 31, 2024
Occupancy Expenses 7.2% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Occupancy Expenses) 472.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Occupancy Expenses) 45.0% PCT -- Fiscal Year Ending December 31, 2024
Net Profit $381,703 USD -- Fiscal Year Ending December 31, 2024
Net Profit 12.7% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Net Profit) 512.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Net Profit) 48.8% PCT -- Fiscal Year Ending December 31, 2024
Depreciation & Amortization $110,453 USD -- Fiscal Year Ending December 31, 2024
Depreciation & Amortization 3.7% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (Depreciation & Amortization) 444.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (Depreciation & Amortization) 42.3% PCT -- Fiscal Year Ending December 31, 2024
EBITDA $492,156 USD -- Fiscal Year Ending December 31, 2024
EBITDA 16.4% PCT -- Fiscal Year Ending December 31, 2024
No. Attaining or Surpassing the Respective Average Amount (EBITDA) 501.0 COUNT -- Fiscal Year Ending December 31, 2024
% Attaining or Surpassing the Respective Average Amount (EBITDA) 47.7% PCT -- Fiscal Year Ending December 31, 2024
STATEMENT OF AVERAGE NET SALES OF PANERA BREAD BAKERY-CAFES FOR THE 52-WEEK FISCAL YEAR ENDING DECEMBER 31, 2024. (3 rows)
Metric Value Unit Cohort Period
Company-owned Bakery-Cafes $2,825,385 USD -- 52-week Fiscal Year Ending December 31, 2024
Franchisee-owned Bakery-Cafes $2,595,936 USD -- 52-week Fiscal Year Ending December 31, 2024
Company-owned and Franchisee-owned Bakery-Cafes $2,708,833 USD -- 52-week Fiscal Year Ending December 31, 2024

$ Estimated Unit Profitability Based on Item 19 Data

Based on financial performance data disclosed in Item 19 of the FDD.

$2.91M
Gross Revenue
$2.44M
Total Costs
$417K
Owner's Profit (14.3%)
View detailed P&L breakdown
Line Item Amount % of Revenue
Gross Revenue $2,913,383 100%
COGS $-859,448 29.5%
Labor $-856,535 29.4%
Occupancy $-209,764 7.2%
Marketing $-78,661 2.7%
Other Costs $-431,181 14.8%
Owner's Profit $477,795 16.4%

4 Risk Assessment

Automated risk indicators based on FDD data analysis.

~
Moderate Closure Rate
Average closure rate of 2.6% is in the 2-5% range. Monitor trends closely.
Declining Unit Count
Net -1117 units over 4 years (-100.0%). The franchise system is contracting.
%
Reasonable Fee Burden
Combined royalty + ad fund of 7.0% is within normal range.
Financial Data Disclosed
This franchisor provides Item 19 financial performance representations, enabling better due diligence.

5 Panera Bread Failure Rate & Unit Growth (Item 20) FDD Item 20

Franchise unit trajectory based on FDD Item 20 data.

Year Start Opened Closed Transferred End Closure Rate Net Growth
2022 1117 -- -- -- 1089 -- --
2023 1089 -- -- -- 1113 -- --
2024 1113 -- -- -- 1105 -- --
2025 -- +20 -- -- -- -- --
2.6%
Avg Closure Rate
4
Years of Data

6 Category Comparison Fast Casual Brands

How Panera Bread compares to peer brands in the Fast Casual category.

Investment Midpoint

Median Revenue (Item 19)

Investment-to-Revenue Ratio

Ratio = Investment midpoint ÷ median annual revenue. Lower is better. A 0.5x ratio means the initial investment equals half of one year's gross revenue. Does not account for operating costs, margins, or time value of money.

Brand Total Units Investment Range Median Revenue Royalty Inv/Rev Ratio
Tropical Smoothie Cafe 1400 $341K – $814K $1.74M 6.0% 0.3x
Five Guys 945 $978K – $1.38M No Item 19 6.0% --
Jamba 726 $263K – $615K $1.18M 6.0% 0.4x
Moe's Southwest Grill 596 $566K – $1.59M $1.82M 5.0% 0.6x
Captain D's -- $206K – $1.26M $1.56M 4.5% 0.5x
Schlotzsky's -- $648K – $1.95M $1.70M 6.0% 0.8x
Fazoli's -- $1.64M – $2.64M $1.36M 5.0% 1.6x
MOD Pizza -- $1.00M – $1.30M $8K 5.0% 151.9x
Blaze Pizza -- $667K – $1.14M $1.28M 5.0% 0.7x
Pieology -- $304K – $808K No Item 19 5.0% --

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