Esquire Financial Holdings, Inc. (NASDAQ:ESQ)
Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.
Keeps a healthy share of every dollar it sells.
- Revenue
- $179.9M
- Net income
- $52.7M
- Net margin
- 29.3%
Little or no net debt.
- Total debt
- $0
- Cash
- $242.2M
- Net debt / EBITDA
- -3.12x
Owes more within a year than it holds to pay it.
- Current assets
- $541.6M
- Current liabilities
- $2.18B
- Current ratio
- 0.25
The business funds itself from operations.
- Operating cash flow
- $67.6M
- Free cash flow
- $60.2M
- FCF margin
- 33.5%
Not funding itself by issuing shares.
- Shares outstanding
- 8.3M
- Share growth (1y)
- 3.2%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
ESQ Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 47.68 M | 45.49 M | 44.36 M | 42.36 M | 40.11 M | 37.66 M |
| Revenue Growth (YoY) | 18.87 % | 20.77 % | 20.03 % | 20.38 % | 19.17 % | 16.02 % |
| Cost of Revenue | 8.45 M | 5.03 M | 4.96 M | 6.54 M | 7.81 M | 5.40 M |
| Gross Profit | 39.23 M | 40.46 M | 39.40 M | 35.82 M | 32.31 M | 32.26 M |
| SG&A Expense | 12.61 M | 19.39 M | 11.18 M | 12.11 M | 11.32 M | 11.19 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 21.11 M | 23.36 M | 19.10 M | 18.36 M | 17.06 M | 16.75 M |
| Operating Income | 18.13 M | 17.10 M | 20.30 M | 17.46 M | 15.24 M | 15.51 M |
| Pretax Income | 18.13 M | 17.10 M | 17.40 M | 17.46 M | 15.24 M | 15.51 M |
| Tax Provision | 5.15 M | 4.89 M | 3.90 M | 3.40 M | 3.35 M | 4.11 M |
| Net Income | 12.98 M | 12.21 M | 13.50 M | 14.06 M | 11.89 M | 11.41 M |
| EPS (Basic) | 1.57 | 1.48 | 1.55 | 1.74 | 1.48 | 1.43 |
| EPS (Diluted) | 1.49 | 1.40 | 1.55 | 1.62 | 1.38 | 1.33 |
| Shares Outstanding | 8.26 M | 8.25 M | 8.71 M | 8.04 M | 8.01 M | 7.99 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.