Esquire Financial Holdings, Inc. cash flow to debt ratio of 2.27K% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Esquire Financial Holdings, Inc.'s free cash flow has increased 45.10% from $39.06M last year to $56.68M, signaling increasing performance

Esquire Financial Holdings, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Esquire Financial Holdings, Inc. has insufficient data to evaluate this check.

Esquire Financial Holdings, Inc. has a net cash position, so leverage is healthy.

Esquire Financial Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Esquire Financial Holdings, Inc.'s profit margin has decreased (7.14%) in the last year from 31.57% to 29.32%, signaling decreasing performance

Esquire Financial Holdings, Inc.'s short-term assets of $482.39M exceed its short-term liabilities of $988.00K

Esquire Financial Holdings, Inc.'s return on assets of 2.10% is lower than the 5.00% threshold, indicating inefficient asset utilization

Esquire Financial Holdings, Inc.'s return on equity of 17.82%, is higher than 15.00%, indicating good performance

Esquire Financial Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Esquire Financial Holdings, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Esquire Financial Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Esquire Financial Holdings, Inc. has a free cash flow yield of 5.08%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Esquire Financial Holdings, Inc.'s yearly earnings has increased 16.48% since last year from $43.66M to $50.85M, signaling increasing performance

Esquire Financial Holdings, Inc.'s yearly revenue has increased 18.97% since last year from $138.27M to $164.50M, signaling increasing performance

ROIC 16.58% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Esquire Financial Holdings, Inc.'s 3-year revenue CAGR of 24.17% is positive, indicating growing revenue over the past 3 years

Esquire Financial Holdings, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Esquire Financial Holdings, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Esquire Financial Holdings, Inc. is undervalued relative to its fair value price of 143.50 based on Discounted Cash Flow model

Esquire Financial Holdings, Inc. has an earnings yield of 4.95%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Esquire Financial Holdings, Inc. is overvalued relative to its fair value price of 84.78 based on EBITDA multiple model

Esquire Financial Holdings, Inc. has an EV/EBITDA ratio of 8.91x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Esquire Financial Holdings, Inc. is undervalued relative to its fair value price of 146.10 based on Earnings Fair Value model

Esquire Financial Holdings, Inc. has a PEG-ratio under 1 which is considered undervalued

Esquire Financial Holdings, Inc. has a price-to-book ratio of 3.40x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Esquire Financial Holdings, Inc. has a price-to-sales ratio of 5.93x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue