This page shows Esquire Finl Hldgs Inc (ESQ) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Esquire Finl Hldgs Inc's revenue surged 23.4% year-over-year to $113.4M, reflecting rapid business expansion. This strong growth earns a score of 95/100.
Esquire Finl Hldgs Inc has elevated debt relative to equity (D/E of 6.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Esquire Finl Hldgs Inc converts 36.6% of revenue into free cash flow ($41.5M). This strong cash generation earns a score of 100/100.
Esquire Finl Hldgs Inc earns a strong 18.4% return on equity (ROE), meaning it generates $18 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 74/100. This is down from 20.6% the prior year.
Esquire Finl Hldgs Inc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Esquire Finl Hldgs Inc generates $0.97 in operating cash flow ($42.2M OCF vs $43.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Esquire Finl Hldgs Inc generated $113.4M in revenue in fiscal year 2024. This represents an increase of 23.4% from the prior year.
Esquire Finl Hldgs Inc generated $41.5M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 0.7% from the prior year.
Esquire Finl Hldgs Inc reported $43.7M in net income in fiscal year 2024. This represents an increase of 6.5% from the prior year.
Esquire Finl Hldgs Inc earned $5.14 per diluted share (EPS) in fiscal year 2024. This represents an increase of 4.7% from the prior year.
Esquire Finl Hldgs Inc held $126.3M in cash against $0 in long-term debt as of fiscal year 2024.
Esquire Finl Hldgs Inc paid $0.60 per share in dividends in fiscal year 2024. This represents an increase of 26.3% from the prior year.
Esquire Finl Hldgs Inc had 8M shares outstanding in fiscal year 2024. This represents an increase of 0.8% from the prior year.
Esquire Finl Hldgs Inc's net profit margin was 38.5% in fiscal year 2024, showing the share of revenue converted to profit. This is down 6.1 percentage points from the prior year.
Esquire Finl Hldgs Inc's ROE was 18.4% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 2.2 percentage points from the prior year.
Esquire Finl Hldgs Inc invested $714K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 18.0% from the prior year.
ESQ Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $36.1M+7.7% | $33.5M+6.4% | $31.5M+2.4% | $30.8M+12.4% | $27.4M+5.0% | $26.1M+2.0% | $25.6M+7.0% | $23.9M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $4.8M+11.9% | $4.3M+9.7% | $3.9M+0.2% | $3.9M+27.3% | $3.1M-4.6% | $3.2M+10.8% | $2.9M+33.1% | $2.2M |
| Income Tax | $3.4M+1.5% | $3.4M-18.3% | $4.1M+4.8% | $3.9M+1.0% | $3.9M+6.9% | $3.6M-0.7% | $3.7M+5.7% | $3.5M |
| Net Income | $14.1M+18.2% | $11.9M+4.2% | $11.4M-2.9% | $11.8M+12.1% | $10.5M+4.3% | $10.1M+1.8% | $9.9M+0.5% | $9.8M |
| EPS (Diluted) | $1.62+17.4% | $1.38+3.8% | $1.33-1.5% | $1.35+8.0% | $1.25+4.2% | $1.20+2.6% | $1.170.0% | $1.17 |
ESQ Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.2B+6.0% | $2.1B+5.4% | $2.0B+3.3% | $1.9B+10.3% | $1.7B+3.7% | $1.7B+2.3% | $1.6B+9.1% | $1.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $240.8M+47.7% | $163.0M-5.8% | $173.0M+37.0% | $126.3M-17.3% | $152.7M-3.5% | $158.2M-4.2% | $165.2M+36.9% | $120.6M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $1.9B+6.0% | $1.8B+5.4% | $1.7B+2.9% | $1.7B+10.5% | $1.5B+3.5% | $1.4B+2.0% | $1.4B+9.4% | $1.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $279.2M+5.9% | $263.6M+5.1% | $250.7M+5.7% | $237.1M+9.1% | $217.4M+5.0% | $207.1M+4.3% | $198.6M+7.0% | $185.6M |
| Retained Earnings | $185.8M+7.2% | $173.3M+6.4% | $162.9M+6.5% | $152.9M+15.6% | $132.3M+7.5% | $123.1M+7.7% | $114.3M+8.4% | $105.4M |
ESQ Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.8M+59.7% | $10.5M-33.7% | $15.8M+35.3% | $11.7M+61.9% | $7.2M-43.5% | $12.8M-22.7% | $16.5M+53.4% | $10.8M |
| Capital Expenditures | $505K-56.6% | $1.2M+1.0% | $1.2M+1271.4% | $84K-75.4% | $342K+45.5% | $235K-15.2% | $277K+52.2% | $182K |
| Free Cash Flow | $16.2M+74.2% | $9.3M-36.4% | $14.7M+26.4% | $11.6M+68.7% | $6.9M-45.2% | $12.5M-22.8% | $16.2M+53.4% | $10.6M |
| Investing Cash Flow | -$35.0M+69.2% | -$113.8M-737.5% | -$13.6M+89.9% | -$134.6M-108.9% | -$64.4M-42.5% | -$45.2M+52.2% | -$94.6M-394.5% | -$19.1M |
| Financing Cash Flow | $96.1M+3.0% | $93.3M+109.6% | $44.5M-56.2% | $101.5M+96.5% | $51.7M+103.1% | $25.4M-79.3% | $122.7M+437.7% | $22.8M |
| Dividends Paid | $1.4M+1.2% | $1.4M+0.3% | $1.4M+6.1% | $1.3M+12.7% | $1.2M-1.1% | $1.2M+4.6% | $1.1M+33.4% | $848K |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | $0 | $0 |
ESQ Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 38.9%+3.5pp | 35.4%-0.8pp | 36.2%-2.0pp | 38.2%-0.1pp | 38.3%-0.3pp | 38.6%-0.1pp | 38.6%-2.5pp | 41.2% |
| Return on Equity | 5.0%+0.5pp | 4.5%-0.0pp | 4.5%-0.4pp | 5.0%+0.1pp | 4.8%-0.0pp | 4.9%-0.1pp | 5.0%-0.3pp | 5.3% |
| Return on Assets | 0.6%+0.1pp | 0.6%0.0pp | 0.6%-0.0pp | 0.6%0.0pp | 0.6%0.0pp | 0.6%0.0pp | 0.6%-0.0pp | 0.7% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.820.0 | 6.82+0.0 | 6.80-0.2 | 6.98+0.1 | 6.89-0.1 | 6.99-0.2 | 7.14+0.2 | 6.99 |
| FCF Margin | 45.0%+17.2pp | 27.8%-18.7pp | 46.5%+8.8pp | 37.7%+12.6pp | 25.1%-23.0pp | 48.1%-15.4pp | 63.5%+19.2pp | 44.3% |
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Frequently Asked Questions
What is Esquire Finl Hldgs Inc's annual revenue?
Esquire Finl Hldgs Inc (ESQ) reported $113.4M in total revenue for fiscal year 2024. This represents a 23.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Esquire Finl Hldgs Inc's revenue growing?
Esquire Finl Hldgs Inc (ESQ) revenue grew by 23.4% year-over-year, from $91.9M to $113.4M in fiscal year 2024.
Is Esquire Finl Hldgs Inc profitable?
Yes, Esquire Finl Hldgs Inc (ESQ) reported a net income of $43.7M in fiscal year 2024, with a net profit margin of 38.5%.
What is Esquire Finl Hldgs Inc's earnings per share (EPS)?
Esquire Finl Hldgs Inc (ESQ) reported diluted earnings per share of $5.14 for fiscal year 2024. This represents a 4.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Esquire Finl Hldgs Inc's net profit margin?
Esquire Finl Hldgs Inc (ESQ) had a net profit margin of 38.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Esquire Finl Hldgs Inc pay dividends?
Yes, Esquire Finl Hldgs Inc (ESQ) paid $0.60 per share in dividends during fiscal year 2024.
What is Esquire Finl Hldgs Inc's return on equity (ROE)?
Esquire Finl Hldgs Inc (ESQ) has a return on equity of 18.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Esquire Finl Hldgs Inc's free cash flow?
Esquire Finl Hldgs Inc (ESQ) generated $41.5M in free cash flow during fiscal year 2024. This represents a -0.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Esquire Finl Hldgs Inc's operating cash flow?
Esquire Finl Hldgs Inc (ESQ) generated $42.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Esquire Finl Hldgs Inc's total assets?
Esquire Finl Hldgs Inc (ESQ) had $1.9B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Esquire Finl Hldgs Inc's capital expenditures?
Esquire Finl Hldgs Inc (ESQ) invested $714K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Esquire Finl Hldgs Inc have outstanding?
Esquire Finl Hldgs Inc (ESQ) had 8M shares outstanding as of fiscal year 2024.
What is Esquire Finl Hldgs Inc's debt-to-equity ratio?
Esquire Finl Hldgs Inc (ESQ) had a debt-to-equity ratio of 6.98 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Esquire Finl Hldgs Inc's return on assets (ROA)?
Esquire Finl Hldgs Inc (ESQ) had a return on assets of 2.3% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Esquire Finl Hldgs Inc's Piotroski F-Score?
Esquire Finl Hldgs Inc (ESQ) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Esquire Finl Hldgs Inc's earnings high quality?
Esquire Finl Hldgs Inc (ESQ) has an earnings quality ratio of 0.97x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Esquire Finl Hldgs Inc?
Esquire Finl Hldgs Inc (ESQ) scores 67 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.