The financials
Esquire Financial Holdings, Inc. by the numbers
Esquire Financial Holdings, Inc. (ESQ) reported revenue of $39M in Q1 2026 (quarter ended March 31, 2026), up 24% from the same quarter a year earlier. That came with net income of $12M (31% of revenue). For the full year FY2025, revenue was $139M (+23% year on year) and net income $51M. Its largest product in 2023-Q2 was Credit Card Merchant Discount at $5.8M, 86% of the disclosed total, just ahead of Administrative Service Income at 11%.
| Income statement | Q1 2026 | Q1 2025 | Change |
|---|---|---|---|
| Revenue | $39M | $32M | +24% |
| Net income | $12M | $11M | +7.0% |
| Diluted EPS | $1.40 | $1.33 | +5.3% |
| Product | Revenue | Share |
|---|---|---|
| Credit Card Merchant Discount | $5.8M | 86% |
| Administrative Service Income | $739K | 11% |
| Deposit Account | $192K | 2.9% |
Business Segments
Revenue split by product segment, from SEC XBRL filings.
Latest period: Q2 2023Total $6.7M (-35%)
Deposit Account grew +143% year on yearCredit Card Merchant Discount +4.6% year on year
Segment Latestquarter on quarteryear on year
- Credit Card Merchant Discount$5.8M$5.8MQoQ +4.6%year on year +4.6%+4.6%+4.6%
- Administrative Service Income$739.0K$739.0KQoQ +40%year on year +20%+40%+20%
- Deposit Account$192.0K$192.0KQoQ -0.52%year on year +143%-0.52%+143%
- Gain On Equity Investment--QoQ -year on year ---
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