Esquire Financial Holdings, Inc — Earnings Quality Grade C
ESQ · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 31 days, change +2 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 17.4%, CFFO 41.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 77.3% is >2x revenue growth 17.4%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.18. Profits backed by cash
FCF $0.1B, FCF/NI = 1.07
Accruals ratio = -0.4%. Low accruals
Insufficient data
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Esquire Financial Holdings, Inc is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25