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Esquire Financial Holdings Financial Ratios 2025-2011 | ESQ
Brief overview of Esquire Financial Holdings's financial ratios
Ratios are assessed across five available annual reports in the 2021–2025 interval.
Key multiples at the end of the period are P/E 17.45x (median 14.06x), P/B 3.06x (median 1.84x), P/CF 14.82x (median 8.64x). The combined multiple level is about 66% above the company's historical norm, leaving less valuation cushion.
The 1/P/E calculation produces a 5.7% earnings yield. It does not capture future growth or capital structure.
Returns on assets and capital are represented by ROE 17.5%, ROA 2.1%. Current resource returns are convincing and help explain a higher market valuation.
Price, earnings and growth produce a PEG of 1.23x, a neutral level if forecasts are realistic.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Overall assessment
Esquire Financial Holdings's business looks strong while multiples exceed historical reference points. Investors are pricing in continued momentum.
Annual Financial Ratios Esquire Financial Holdings
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
17.4 | 19.7 | 8.9 | 9.8 | 14.1 | 13.1 | 12.3 | 18.8 | 38.7 | - | - | - | - | - | - |
P/S |
- | - | - | - | - | - | 3.8 | 4.6 | 5.6 | - | - | - | - | - | - |
EPS |
6.3 | 5.6 | 5.3 | 3.7 | 2.4 | 1.7 | 1.9 | 1.2 | 0.6 | 0.6 | 0.2 | - | - | - | - |
EV (Enterprise Value) |
2.73 B | 2.39 B | 1.62 B | 1.35 B | 1.14 B | 911 M | 799 M | 704 M | 548 M | 373 M | 303 M | - | - | - | - |
EBITDA per Share |
0.15 | 0.11 | 0.09 | 0.09 | 0.09 | 0.08 | - | - | - | - | - | - | - | - | - |
EV/EBITDA |
2238.8 | 2714.7 | 2290.5 | 1922.9 | 1648.3 | 2.6 | - | - | - | - | - | - | - | - | - |
PEG |
1.23 | - | - | - | - | -1.2 | 0.2 | 0.19 | 0.83 | - | - | - | - | - | - |
P/B |
3.1 | 3.6 | 1.8 | 1.8 | 1.8 | 1.3 | 1.6 | 1.8 | 1.7 | - | - | - | - | - | - |
P/CF |
14.8 | 20.4 | 8.6 | 7.2 | 8.4 | 10.6 | 12.2 | 18.5 | 37.2 | - | - | - | - | - | - |
ROE % |
17.55 | 18.41 | 20.65 | 18.10 | 12.47 | 10.01 | 12.73 | 9.41 | 4.37 | - | - | - | - | - | - |
ROA % |
2.15 | 2.31 | 2.54 | 2.04 | 1.52 | 1.35 | 1.77 | 1.32 | 0.68 | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 0.1 | 0.1 | 0.1 | - | - | - | - | - | - |
DSO |
- | - | - | - | - | - | 25.8 | 39.5 | 40.8 | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Esquire Financial Holdings
| 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
1.48 | 1.74 | 1.48 | 1.43 | - | 1.45 | 1.34 | 1.29 | - | 1.27 | 1.18 | 1.58 | - | 1.01 | 0.83 | 0.7 | - | 0.34 | 0.6 | 0.56 | - | 0.49 | 0.34 | 0.35 | - | 0.52 | 0.47 | 0.4 | - | 0.23 | 0.3 | 0.27 | - | 0.16 | 0.2 | 0.16 | - | 0.15 | 0.15 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
0.04 | - | - | 0.03 | - | - | - | 0.02 | - | - | - | 0.02 | - | 0.07 | 0.05 | 0.02 | - | 0.07 | 0.04 | 0.02 | - | 0.06 | 0.04 | 0.02 | - | 0.05 | 0.03 | 0.01 | - | 0.04 | 0.03 | 0.01 | - | 0.04 | 0.04 | 0.02 | - | 0.03 | 0.02 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
18.15 | 18.98 | 18.77 | 19.11 | 14.57 | 19.87 | 20.07 | 22.38 | 17.53 | 22.72 | 21.78 | 20.41 | 13.28 | 15.12 | 13.27 | 12.13 | 8.41 | 11.27 | 11.44 | 10.16 | 6.93 | 10.37 | 10.63 | 11.31 | 9.25 | 11.06 | 10.02 | 9.01 | 6.32 | 7.69 | 7.10 | 5.69 | 3.58 | 5.00 | 5.06 | 0.98 | - | 1.42 | 1.43 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
2.31 | 2.44 | 2.41 | 2.44 | 1.86 | 2.52 | 2.51 | 2.74 | 2.13 | 2.70 | 2.52 | 2.33 | 1.49 | 1.71 | 1.56 | 1.50 | 1.07 | 1.45 | 1.50 | 1.35 | 0.93 | 1.41 | 1.46 | 1.56 | 1.29 | 1.54 | 1.40 | 1.26 | 0.88 | 1.10 | 1.04 | 0.85 | 0.56 | 0.73 | 0.70 | 0.15 | - | 0.17 | 0.18 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Esquire Financial Holdings, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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