Esquire Financial Holdings Inc (ESQ) — Cash Flow-to-Debt Ratio
Esquire Financial Holdings Inc (ESQ) has a Cash Flow-to-Debt Ratio of 0.01x as of December 2025, meaning its operating cash flow of $16.79 Million could theoretically repay 0% of its total liabilities ($2.08 Billion) in one year. See ESQ FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Esquire Financial Holdings Inc Cash Flow-to-Debt Ratio (2014–2025)
Historical debt coverage capacity for Esquire Financial Holdings Inc across 12 annual periods. For the full cash flow conversion analysis, see ESQ operating cash flow.
Annual Cash Flow-to-Debt Ratio for Esquire Financial Holdings Inc (2014–2025)
Year-by-year debt coverage analysis for Esquire Financial Holdings Inc. Check ESQ cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.03x | $59.84 Million | $2.08 Billion | ▲ +13.0% |
| 2024 | 0.03x | $42.21 Million | $1.66 Billion | ▼ -14.7% |
| 2023 | 0.03x | $42.40 Million | $1.42 Billion | ▼ -4.6% |
| 2022 | 0.03x | $38.80 Million | $1.24 Billion | ▲ +7.9% |
| 2021 | 0.03x | $30.08 Million | $1.04 Billion | ▼ -100.0% |
| 2020 | 318.16x | $15.59 Million | $49.00K | ▲ +67.8% |
| 2019 | 189.65x | $16.31 Million | $86.00K | ▲ +1071048.3% |
| 2018 | 0.02x | $10.11 Million | $571.12 Million | ▲ +100.3% |
| 2017 | 0.01x | $3.98 Million | $450.25 Million | ▼ -47.9% |
| 2016 | 0.02x | $6.32 Million | $372.65 Million | ▲ +227.7% |
| 2015 | 0.01x | $1.57 Million | $303.23 Million | ▲ +241.6% |
| 2014 | 0.00x | $442.49K | $292.15 Million | — |