Esquire Financial Holdings, Inc. (ESQ) Key Metrics
ESQ valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $1.44B
- Enterprise value
- $1.16B
- P/E (TTM)
- 19.6 10-yr median 14.3
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 9.6 10-yr median 4.2
- Price / book
- 4.7 10-yr median 1.8
- EV / EBITDA
- — 10-yr median 4.9
- Dividend yield
- 0.67% $0.80 a year
- Beta
- 0.40
ESQ key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsESQ valuation Price multiples at each fiscal year-end price.
ESQ returns How much profit the business earns on the capital it uses.
ESQ per-share figures Results divided by the shares outstanding at year-end.
ESQ financial health Debt, liquidity and how easily interest is covered.
ESQ efficiency & capital use Working capital cycle and where the cash goes.
ESQ valuation history
ESQ returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
ESQ debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
ESQ cash returned to shareholders
ESQ price vs earnings per share
ESQ key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $889.0M | $674.7M | $417.0M | $350.7M | $250.3M | $146.7M | $202.9M | $167.8M | $123.2M | — |
| Enterprise value | $409.2M | $307.7M | $131.8M | $80.1M | −$44.2M | −$35.5M | −$4.6M | −$8.4M | −$48.3M | — |
| P/E ratio | 17.5 | 15.5 | 10.2 | 12.3 | 14.0 | 11.6 | 14.3 | 19.2 | 33.8 | — |
| Price / sales | 5.4 | 4.9 | 3.8 | 4.1 | 3.8 | 2.8 | 4.2 | 4.6 | 4.8 | — |
| Price / book | 3.1 | 2.8 | 2.1 | 2.2 | 1.7 | 0.2 | 0.3 | 1.8 | 1.5 | — |
| Price / free cash flow | 15.7 | 17.3 | 10.6 | 9.3 | 9.2 | 11.8 | 14.2 | 18.9 | 32.5 | — |
| Price / operating cash flow | 14.9 | 16.0 | 9.8 | 9.0 | 8.3 | 9.4 | 12.4 | 16.6 | 31.0 | — |
| EV / sales | 2.5 | 2.2 | 1.2 | 0.9 | -0.7 | -0.7 | -0.1 | -0.2 | -1.9 | — |
| EV / EBITDA | 5.7 | 4.9 | — | 1.9 | — | — | — | — | — | — |
| EV / free cash flow | 7.2 | 7.9 | 3.3 | 2.1 | — | — | — | — | — | — |
| Earnings yield | 5.7% | 6.5% | 9.8% | 8.1% | 7.2% | 8.6% | 7.0% | 5.2% | 3.0% | — |
| Free cash flow yield | 6.4% | 5.8% | 9.4% | 10.7% | 10.8% | 8.5% | 7.0% | 5.3% | 3.1% | — |
| Dividend yield | 0.7% | 0.7% | 0.9% | 0.6% | 0.9% | 0.3% | 1.1% | — | 0.0% | — |
| Shareholder yield (dividends + buybacks) | 0.7% | 0.7% | 1.0% | 0.6% | 0.9% | 0.7% | 1.1% | 0.0% | 0.0% | — |
| Share price at fiscal year-end | $102.07 | $79.50 | $49.96 | $43.26 | $31.50 | $19.19 | $26.07 | $21.70 | $19.74 | — |
| Per share | ||||||||||
| Revenue per share | $18.89 | $16.29 | $13.06 | $10.60 | $8.25 | $6.97 | $6.23 | $4.76 | $4.15 | $4.04 |
| Earnings per share | $5.84 | $5.14 | $4.91 | $3.52 | $2.26 | $1.65 | $1.82 | $1.13 | $0.58 | $0.56 |
| Operating cash flow per share | $6.87 | $4.97 | $5.08 | $4.79 | $3.78 | $2.04 | $2.10 | $1.31 | $0.64 | $1.26 |
| Free cash flow per share | $6.51 | $4.60 | $4.72 | $4.63 | $3.41 | $1.63 | $1.83 | $1.15 | $0.61 | $0.73 |
| Cash per share | $55.39 | $43.37 | $34.43 | $33.73 | $37.44 | $23.92 | $26.75 | $22.79 | $27.52 | $27.03 |
| Book value per share | $33.25 | $27.94 | $23.79 | $19.51 | $18.09 | $122.54 | $102.50 | $12.00 | $13.36 | $10.40 |
| Tangible book value per share | $33.25 | $27.45 | −$141.35 | $19.09 | $17.56 | $122.54 | $102.50 | $12.00 | $13.36 | $10.40 |
| Dividends per share | $0.67 | $0.57 | $0.45 | $0.27 | $0.27 | $0.05 | $0.28 | — | $0.00 | — |
| Capex per share | $0.36 | $0.37 | $0.36 | $0.15 | $0.37 | $0.41 | $0.26 | $0.16 | $0.03 | $0.53 |
| Debt per share | $0.30 | $0.12 | $0.26 | $0.35 | $0.38 | $0.09 | $0.09 | $0.01 | $0.04 | $0.07 |
| Shares outstanding | 8.7M | 8.5M | 8.3M | 8.1M | 7.9M | 7.6M | 7.8M | 7.7M | 6.2M | 5.0M |
| Change in shares outstanding | +2.6% | +1.7% | +3.0% | +2.0% | +4.0% | −1.8% | +0.7% | +23.9% | +24.4% | −0.3% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 19.3% | 20.0% | 23.0% | 18.9% | 3.3% | 1.5% | 3.2% | 9.9% | 5.4% | 5.6% |
| Return on invested capital (ROIC) | — | — | — | — | — | 1.9% | 5.6% | — | — | — |
| Return on assets (ROA) | 2.4% | 2.5% | 2.7% | 2.2% | 1.7% | 1.5% | 1.9% | 1.5% | 0.8% | 0.7% |
| Return on tangible assets | 2.1% | 2.3% | 17.2% | 2.0% | 1.5% | 1.3% | 1.8% | 1.3% | 0.7% | 0.7% |
| Free cash flow margin | 34.5% | 28.3% | 36.1% | 43.7% | 41.4% | 23.4% | 29.4% | 24.1% | 14.6% | 18.0% |
| Income quality (OCF / net income) | 1.18 | 0.97 | 1.03 | 1.36 | 1.68 | 1.24 | 1.15 | 1.16 | 1.09 | 2.24 |
| Financial health | ||||||||||
| Total debt | $2.6M | $1.0M | $2.2M | $2.8M | $3.0M | $694,000 | $667,000 | $89,000 | $278,000 | $371,000 |
| Cash & short-term investments | $482.4M | $368.1M | $287.3M | $273.4M | $297.5M | $182.8M | $208.2M | $176.3M | $171.8M | $135.6M |
| Net debt | −$479.8M | −$367.0M | −$285.1M | −$270.6M | −$294.6M | −$182.1M | −$207.6M | −$176.2M | −$171.6M | −$135.3M |
| Debt / equity | 0.01 | 0.00 | 0.01 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 |
| Debt / assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net debt / EBITDA | −6.64 | −5.87 | — | −6.54 | −11.81 | −9.69 | −10.16 | −13.85 | −23.04 | −28.45 |
| Current ratio | 488.25 | 0.23 | 0.21 | 0.23 | 0.29 | 0.53 | 1.04 | 0.32 | 0.39 | 0.37 |
| Quick ratio | 488.25 | 0.23 | 0.33 | 0.23 | 0.49 | 0.88 | 1.37 | 0.38 | 0.49 | 0.49 |
| Interest coverage | 3.8 | 4.4 | 6.9 | 23.6 | 27.4 | 14.4 | 7.5 | 9.8 | 13.1 | 9.0 |
| Working capital | $481.4M | −$1.26B | −$1.11B | −$958.3M | −$733.3M | −$165.0M | $9.0M | −$390.9M | −$275.2M | −$235.1M |
| Invested capital | −$190.2M | −$129.9M | −$86.6M | −$112.4M | −$150.8M | $754.5M | $590.4M | −$83.4M | −$88.2M | −$83.1M |
| Tangible asset value | $289.6M | $233.0M | −$1.18B | $154.8M | $139.5M | $936.7M | $797.9M | $92.8M | $83.4M | $52.2M |
| Net current asset value | −$1.59B | −$1.28B | −$1.12B | −$958.3M | −$733.3M | $187.3M | $211.4M | −$391.0M | −$275.6M | −$235.5M |
| Graham number | $66.09 | $56.86 | $51.29 | $39.30 | $30.30 | $67.46 | $64.73 | $17.46 | $13.24 | $11.47 |
| Graham net-net per share | −$181.89 | −$150.79 | −$145.14 | −$118.40 | −$105.22 | $16.41 | $22.87 | −$52.91 | −$47.93 | −$51.44 |
| Capital allocation | ||||||||||
| Dividends paid | $5.9M | $4.8M | $3.7M | $2.1M | $2.1M | $401,000 | $2.1M | — | $0 | — |
| Share buybacks (net) | $0 | $0 | $286,000 | $0 | $0 | $567,000 | $0 | $0 | $0 | $0 |
| Dividend payout ratio | 11.5% | 11.1% | 9.1% | 7.5% | 12.0% | 3.2% | 15.2% | — | 0.0% | — |
| Dividends + buybacks / free cash flow | 10.3% | 12.4% | 10.2% | 5.7% | 7.9% | 7.8% | 15.1% | 0.0% | 0.0% | 0.0% |
| Capex / revenue | 1.9% | 2.3% | 2.8% | 1.4% | 4.5% | 5.9% | 4.3% | 3.4% | 0.7% | 13.1% |
| Capex / operating cash flow | 5.3% | 7.5% | 7.1% | 3.2% | 9.8% | 20.1% | 12.6% | 12.4% | 4.8% | 42.2% |
| Capex / depreciation | 0.86 | 0.96 | 1.18 | 0.48 | 1.32 | 1.93 | 1.60 | 1.58 | 0.46 | 16.06 |
| Stock-based compensation / revenue | 3.0% | 2.8% | 3.0% | 2.8% | 3.0% | 2.9% | 2.3% | 4.1% | 2.1% | 1.9% |
| SG&A / revenue | 27.8% | 30.6% | 31.8% | 32.3% | 35.6% | 33.5% | 31.8% | 37.4% | 41.7% | 43.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 25.3 | 25.4 | 24.9 | 21.2 | 24.3 | 26.6 | 26.7 | 33.2 | 30.8 | 26.6 |
| Days of inventory on hand | — | — | -20,795.3 | — | -7,622.3 | -4,574.5 | -4,127.4 | -5,666.9 | -11,439.1 | -14,697.0 |
| Days payables outstanding | — | — | — | 36,864.3 | 42,968.6 | 36,418.4 | 51,830.4 | 71,738.3 | 103,616.7 | 110,964.5 |
| Cash conversion cycle (days) | — | — | — | -36,843.1 | -50,566.6 | -40,966.3 | -55,931.1 | -77,372.0 | -115,025.0 | -125,634.9 |
| Receivables turnover | 14.45 | 14.36 | 14.63 | 17.24 | 15.03 | 13.71 | 13.66 | 11.00 | 11.84 | 13.72 |
| Payables turnover | — | — | — | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
| Asset turnover | 0.08 | 0.08 | 0.07 | 0.07 | 0.06 | 0.06 | 0.07 | 0.06 | 0.05 | 0.05 |
| Average receivables | $11.4M | $9.6M | $7.4M | $5.0M | $4.4M | $3.9M | $3.5M | $3.3M | $2.2M | $1.5M |
| Average payables | — | — | — | $518.8M | $916.2M | $742.3M | $624.5M | $508.5M | $409.6M | $336.2M |
| Average inventory | — | — | −$174.3M | — | −$162.5M | −$93.2M | −$49.7M | −$40.2M | −$45.2M | −$44.5M |
| Intangibles / total assets | 0.0% | 0.2% | 85.2% | 0.2% | 0.4% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from ESQ's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
ESQ valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Esquire Financial traded at 17.5 times earnings, against a 10-year median of 14.3. Based on the latest twelve months, the trailing P/E is 19.6. Esquire Financial earned a return on equity of 19.3% in fiscal 2025. It ended the year with $2.6 million of debt and $482.4 million in cash and short-term investments, a net cash position of $479.8 million. It returned $5.9 million to shareholders: $5.9 million in dividends and $0 in share buybacks, 10% of free cash flow. The share count rose 73.6% from 5.0M to 8.7M over 9 years.
See the ESQ income statement, the ESQ chart for price history, or the ESQ stock overview for the latest quote and news.
ESQ key metrics FAQ
What is Esquire Financial's P/E ratio?
Esquire Financial's trailing P/E ratio is 19.6 based on the last twelve months of earnings (as of October 17, 2026). At the end of fiscal 2025 it was 17.5, compared with a 10-year median of 14.3.
What is Esquire Financial's EV/EBITDA?
Esquire Financial's enterprise value was 5.7 times EBITDA at the end of fiscal 2025 (enterprise value $409.2 million, EBITDA $72.2 million).
What is Esquire Financial's return on equity?
Esquire Financial's return on equity (ROE) was 19.3% in fiscal 2025: net income of $50.9 million on average shareholders' equity of $263.3 million.
How much debt does Esquire Financial have?
Esquire Financial had total debt of $2.6 million at the end of fiscal 2025, a debt-to-equity ratio of 0.01 and more cash than debt.
What is Esquire Financial's dividend yield?
Esquire Financial's forward dividend yield is 0.67%. Esquire Financial paid $5.9 million in dividends in fiscal 2025 ($0.67 per share), a payout ratio of 11.5%.
What is Esquire Financial's free cash flow yield?
Esquire Financial generated $56.7 million of free cash flow in fiscal 2025, a free cash flow yield of 6.4% on its market value at year-end ($889.0 million).
What is Esquire Financial's current ratio?
Esquire Financial's current ratio was 488.25 at the end of fiscal 2025: current assets were 488.25 times current liabilities.