Esquire Financial Holdings, Inc. logo ESQ - Esquire Financial Holdings, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY 1
BUY 2
HOLD 1
SELL 0
STRONG
SELL 0
| PRICE TARGET: $125.00 DETAILS
HIGH: $125.00
LOW: $125.00
MEDIAN: $125.00
CONSENSUS: $125.00
UPSIDE: 12.82%
Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Revenue
Revenue 164.5 138.3 121.6 85.9 65.6 53.3 48.5 36.8 25.9 20.3 15.4 11.7
Cost of Revenue 24.7 18.1 12.6 5.1 7.8 7.4 4.4 2.6 1.4 1.1 1.4 0
Gross Profit 139.8 120.1 109.0 80.8 57.8 45.8 44.1 34.2 24.5 19.2 14.0 11.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 45.8 42.3 35.1 27.8 23.4 17.8 15.4 13.8 10.8 8.9 6.9 10.1
Other Expenses 25.5 18.5 18.0 14.2 11.7 10.8 9.5 8.5 6.6 5.7 5.2 0
Operating Expenses 71.3 60.8 53.1 42.0 35.1 28.7 24.9 22.3 17.4 14.6 12.2 11.3
Operating Income
Operating Income 68.5 59.3 55.9 38.8 22.7 17.2 19.1 11.9 7.0 4.6 1.8 0.8
Interest Expense 17.9 13.4 8.1 1.6 0.8 1.2 2.5 1.2 0.5 0.5 0.5 0
Interest Income 139.4 113.4 91.9 61.0 44.5 38.6 36.7 29.0 20.4 16.2 12.5 0
Profitability
EBITDA 71.3 62.6 58.4 41.4 24.9 18.8 20.4 12.7 7.4 4.8 2.1 (0.3)
EBIT 68.5 59.3 55.9 38.8 22.7 17.2 19.1 11.9 7.0 4.6 1.8 0.5
Income Before Tax 65.6 59.3 55.9 38.8 22.7 17.2 19.1 11.9 7.0 4.6 1.8 0.5
Income Tax Expense 14.8 15.6 14.9 10.3 4.8 4.5 5.0 3.2 3.4 1.8 0.7 0.4
Net Income 50.9 43.7 41.0 28.5 17.9 12.6 14.1 8.7 3.6 2.8 1.2 0.0
Per Share Data
EPS (Basic) 6.30 5.58 5.31 3.73 2.40 1.70 1.91 1.18 0.59 0.55 0.23 0.01
EPS (Diluted) 5.88 5.14 4.91 3.47 2.26 1.65 1.82 1.13 0.58 0.55 0.22 0.01
Shares Outstanding 8.7 7.8 7.7 7.6 7.5 7.4 7.4 7.4 6.2 5.0 5.0 4.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Current Assets
Cash & Cash Equivalents 235.9 126.3 165.2 164.1 149.2 65.2 61.8 30.6 43.1 43.0
Short-Term Investments 246.5 241.7 122.1 109.3 148.4 117.7 146.4 145.7 128.8 92.6
Net Receivables 12.6 10.1 9.1 5.8 4.2 4.5 3.2 3.9 2.8 1.5
Inventory 0 0 0 0 0 0 0 0 0 0
Other Current Assets (12.6) 0 0 0 0 0 0 0 0 0
Total Current Assets 482.4 378.2 296.4 279.2 301.7 187.4 211.5 180.1 174.7 137.2
Non-Current Assets
Property, Plant & Equipment 4.4 2.4 2.6 2.7 3.3 3.0 2.8 2.7 2.5 2.8
Goodwill 0 0 0 0 0 0 0 0 0 0
Intangible Assets 0 0 2.9 0 0 0 0 0 0 0
Long-Term Investments 1,794.6 1,444.7 1,267.8 1,013.4 775.4 661.0 558.4 462.5 344.7 275.2
Other Non-Current Assets (1,805.7) 54.0 35.5 90.8 95.4 82.7 23.3 15.5 9.4 6.6
Total Non-Current Assets 4.4 1,514.3 1,320.4 1,116.5 877.0 749.3 586.5 483.8 358.9 287.7
Total Assets 2,365.7 1,892.5 1,616.9 1,395.6 1,178.8 936.7 798.0 663.9 533.6 424.8
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 1.0 0 0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 0 1,642.2 1,407.3 1,228.2 1,028.4 804.1 680.6 568.4 448.5 370.8
Total Current Liabilities 1.0 1,642.2 1,407.3 1,237.5 1,035.0 810.6 686.9 571.0 449.9 372.3
Non-Current Liabilities
Long-Term Debt 0 0 0 0 0 0.0 0.1 0.1 0.3 0.4
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 2,076.1 13.2 11.0 0 0 (0.0) 0 0 0 0
Total Non-Current Liabilities 2,076.1 13.2 11.0 0 0 0 0.1 0.1 0.3 0.4
Total Liabilities 2,076.1 1,655.4 1,418.3 1,237.5 1,035.0 810.6 686.9 571.1 450.2 372.6
Stockholders' Equity
Common Stock 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Retained Earnings 197.8 152.9 114.3 77.7 51.5 33.5 20.9 6.8 (2.0) (5.8)
Accumulated Other Comprehensive Income (8.5) (14.3) (13.2) (15.1) (0.8) 1.4 0.4 (2.6) (1.4) (0.9)
Total Stockholders' Equity 289.6 237.1 198.6 158.2 143.7 126.1 111.1 92.8 83.4 52.2
Total Liabilities & Equity 2,365.7 1,892.5 1,616.9 1,395.6 1,178.8 936.7 798.0 663.9 533.6 424.8
Debt Metrics
Total Debt 2.6 0 0 0 0 0.0 0.1 0.1 0.3 0.4
Net Debt (233.2) (126.3) (165.2) (164.1) (149.2) (65.1) (61.7) (30.5) (42.8) (42.6)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Operating Activities
Net Income 50.8 43.7 41.0 28.5 17.9 12.6 14.1 8.7 3.6 2.8
Depreciation & Amortization 1.2 3.3 2.5 2.5 2.2 1.6 1.3 0.8 0.4 0.2
Stock-Based Compensation 5.0 3.8 3.2 2.4 2.0 1.5 1.1 1.5 0.6 0.4
Change in Working Capital (9.2) (12.1) (1.5) 3.7 0.7 (6.2) (2.8) (3.2) (2.6) 1.4
Other Non-Cash Items 12.1 4.6 (0.3) 2.9 6.6 7.0 2.7 2.3 1.9 1.6
Operating Cash Flow 59.8 42.2 42.4 38.8 30.1 15.6 16.3 10.1 4.0 6.3
Investing Activities
Capital Expenditure (3.2) (3.1) (3.0) (1.2) (2.9) (3.1) (2.1) (1.3) (0.2) (2.7)
Acquisitions 0 0 0 0 0 0 0 0 0 0
Purchases of Investments (48.3) (161.7) (28.8) (85.8) (86.8) (38.0) (28.3) (45.3) (59.0) (30.7)
Sales/Maturities of Investments 59.9 46.2 26.2 26.4 52.2 67.1 31.1 23.4 21.5 20.8
Other Investing Activities (368.1) (192.0) (212.2) (162.0) (134.8) (163.8) (99.5) (120.3) (71.1) (53.0)
Investing Cash Flow (362.1) (308.3) (215.4) (221.5) (170.5) (135.4) (97.3) (142.7) (108.8) (65.6)
Financing Activities
Net Debt Issuance (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) (0.0) (0.2) (0.1) (0.0)
Stock Repurchased 0 0 (0.3) 0 0 (0.6) 0 0 0 0
Dividends Paid (5.9) (4.8) (3.7) (2.1) 0 0 0 0 0 0
Other Financing Activities 416.8 231.5 178.1 199.8 224.4 123.8 112.2 120.3 78.6 69.1
Financing Cash Flow 411.8 227.2 174.1 197.7 224.4 123.2 112.2 120.1 104.9 69.1
Cash Position
Net Change in Cash 109.6 (38.9) 1.1 15.0 84.0 3.4 31.2 (12.5) 0.1 9.8
Cash at Beginning 126.3 165.2 164.1 149.2 65.2 61.8 30.6 43.1 43.0 33.2
Cash at End 235.9 126.3 165.2 164.1 149.2 65.2 61.8 30.6 43.1 43.0
Free Cash Flow 56.7 39.1 39.4 37.6 27.1 12.5 14.2 8.9 3.8 3.7
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Income Statement
Revenue 164.5 138.3 121.6 85.9 65.6 53.3 48.5 36.8 25.9 20.3 15.4 11.7
Gross Profit 139.8 120.1 109.0 80.8 57.8 45.8 44.1 34.2 24.5 19.2 14.0 11.7
Operating Income 68.5 59.3 55.9 38.8 22.7 17.2 19.1 11.9 7.0 4.6 1.8 0.8
Net Income 50.9 43.7 41.0 28.5 17.9 12.6 14.1 8.7 3.6 2.8 1.2 0.0
EPS (Diluted) 5.88 5.14 4.91 3.47 2.26 1.65 1.82 1.13 0.58 0.55 0.22 0.01
Balance Sheet
Cash & Equivalents 235.9 126.3 165.2 164.1 149.2 65.2 61.8 30.6 43.1 43.0
Total Assets 2,365.7 1,892.5 1,616.9 1,395.6 1,178.8 936.7 798.0 663.9 533.6 424.8
Total Debt 2.6 0 0 0 0 0.0 0.1 0.1 0.3 0.4
Stockholders' Equity 289.6 237.1 198.6 158.2 143.7 126.1 111.1 92.8 83.4 52.2
Cash Flow
Operating Cash Flow 59.8 42.2 42.4 38.8 30.1 15.6 16.3 10.1 4.0 6.3
Capital Expenditure (3.2) (3.1) (3.0) (1.2) (2.9) (3.1) (2.1) (1.3) (0.2) (2.7)
Free Cash Flow 56.7 39.1 39.4 37.6 27.1 12.5 14.2 8.9 3.8 3.7