Demonstrações financeiras detalhadas de Esquire Financial Holdings, Inc. (ESQ): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Esquire Financial Holdings, Inc. registou receitas de $164.5M no último exercício, com um CAGR de 5 anos de 25.3%. O lucro líquido atingiu $50.9M, com CAGR de 5 anos de 32.1%.
Margens dos últimos 12 meses: margem bruta 86.1%, margem operacional 40.6%, margem líquida 29.3%. O fluxo de caixa livre cresceu a CAGR de 35.4% em 5 anos.
Ao preço atual de $121.12, ESQ negocia a um P/L de 18.98 e um ROE de 17.82%. A capitalização de mercado é de $1.0B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $20.3M | $25.9M | $36.8M | $48.5M | $53.3M | $65.6M | $85.9M | $121.6M | $138.3M | $164.5M |
| Custo da Receita | $1.1M | $1.4M | $2.6M | $4.4M | $7.4M | $7.8M | $5.1M | $12.6M | $18.1M | $24.7M |
| Lucro Bruto | $19.2M | $24.5M | $34.2M | $44.1M | $45.8M | $57.8M | $80.8M | $109.0M | $120.1M | $139.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $8.9M | $10.8M | $13.8M | $15.4M | $17.8M | $23.4M | $27.8M | $35.1M | $42.3M | $45.8M |
| Despesas Operacionais | $14.6M | $17.4M | $22.3M | $24.9M | $28.7M | $35.1M | $42.0M | $53.1M | $60.8M | $71.3M |
| Lucro Operacional | $4.6M | $7.0M | $11.9M | $19.1M | $17.2M | $22.7M | $38.8M | $55.9M | $59.3M | $68.5M |
| EBITDA | $4.8M | $7.4M | $12.7M | $20.4M | $18.8M | $24.9M | $41.4M | $58.4M | $62.6M | $71.3M |
| Despesas com Juros | $511000 | $538000 | $1.2M | $2.5M | $1.2M | $828000 | $1.6M | $8.1M | $13.4M | $17.9M |
| Lucro Antes de Impostos | $4.6M | $7.0M | $11.9M | $19.1M | $17.2M | $22.7M | $38.8M | $55.9M | $59.3M | $65.6M |
| Imposto | $1.8M | $3.4M | $3.2M | $5.0M | $4.5M | $4.8M | $10.3M | $14.9M | $15.6M | $14.8M |
| Lucro Líquido | $2.8M | $3.6M | $8.7M | $14.1M | $12.6M | $17.9M | $28.5M | $41.0M | $43.7M | $50.9M |
| LPA | $0.55 | $0.59 | $1.18 | $1.91 | $1.70 | $2.40 | $3.73 | $5.31 | $5.58 | $6.30 |
| LPA Diluído | $0.55 | $0.58 | $1.13 | $1.82 | $1.65 | $2.26 | $3.47 | $4.91 | $5.14 | $5.88 |
| Ações em Circulação (Diluídas) | $5.0M | $6.2M | $7.7M | $7.8M | $7.6M | $7.9M | $8.1M | $8.3M | $8.5M | $8.7M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $42.4M | $44.4M | $45.5M | $47.7M |
| Lucro Bruto | $35.8M | $39.4M | $40.5M | $39.2M |
| Lucro Operacional | $17.5M | $20.3M | $17.1M | $18.1M |
| EBITDA | $18.4M | $22.6M | $18.1M | $18.1M |
| Lucro Líquido | $14.1M | $13.5M | $12.2M | $13.0M |
| LPA | $1.74 | $1.55 | $1.48 | $1.57 |
| LPA Diluído | $1.62 | $1.55 | $1.40 | $1.49 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $43.0M | $43.1M | $30.6M | $61.8M | $65.2M | $149.2M | $164.1M | $165.2M | $126.3M | $235.9M |
| Investimentos de Curto Prazo | $92.6M | $128.8M | $145.7M | $146.4M | $117.7M | $148.4M | $109.3M | $122.1M | $241.7M | $246.5M |
| Contas a Receber | $1.5M | $2.8M | $3.9M | $3.2M | $4.5M | $4.2M | $5.8M | $9.1M | $10.1M | $12.6M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $137.2M | $174.7M | $180.1M | $211.5M | $187.4M | $301.7M | $279.2M | $296.4M | $378.2M | $482.4M |
| Imobilizado | $2.8M | $2.5M | $2.7M | $2.8M | $3.0M | $3.3M | $2.7M | $2.6M | $2.4M | $4.4M |
| Ágio | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $2.9M | 0 | 0 |
| Ativos Totais | $424.8M | $533.6M | $663.9M | $798.0M | $936.7M | $1.18B | $1.40B | $1.62B | $1.89B | $2.37B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $988000 |
| Passivos Circulantes | $372.3M | $449.9M | $571.0M | $686.9M | $810.6M | $1.04B | $1.24B | $1.41B | $1.64B | $988000 |
| Dívida de Longo Prazo | $371000 | $278000 | $89000 | $86000 | $49000 | 0 | 0 | 0 | 0 | 0 |
| Passivos Totais | $372.6M | $450.2M | $571.1M | $686.9M | $810.6M | $1.04B | $1.24B | $1.42B | $1.66B | $2.08B |
| Reservas | -$5.8M | -$2.0M | $6.8M | $20.9M | $33.5M | $51.5M | $77.7M | $114.3M | $152.9M | $197.8M |
| Patrimônio Líquido | $52.2M | $83.4M | $92.8M | $111.1M | $126.1M | $143.7M | $158.2M | $198.6M | $237.1M | $289.6M |
| Dívida Total | $371000 | $278000 | $89000 | $86000 | $49000 | 0 | 0 | 0 | 0 | $2.6M |
| Dívida Líquida | -$135.3M | -$171.6M | -$176.2M | -$208.1M | -$182.8M | -$297.5M | -$273.4M | -$287.3M | -$368.1M | -$479.8M |
| Capital de Giro | -$235.1M | -$275.2M | -$390.9M | -$475.4M | -$623.3M | -$733.3M | -$958.3M | -$1.11B | -$1.26B | $481.4M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $240.8M | $235.9M | $222.2M | $242.2M |
| Ativos Totais | $2.18B | $2.37B | $2.42B | $2.51B |
| Passivos Totais | $1.91B | $2.08B | $2.12B | $2.20B |
| Patrimônio Líquido | $279.2M | $289.6M | $301.3M | $313.9M |
| Dívida Total | 0 | $2.6M | 0 | 0 |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $2.8M | $3.6M | $8.7M | $14.1M | $12.6M | $17.9M | $28.5M | $41.0M | $43.7M | $50.8M |
| Depreciação e Amortização | $166000 | $411000 | $795000 | $1.3M | $1.6M | $2.2M | $2.5M | $2.5M | $3.3M | $3.7M |
| Compensação em Ações | $388000 | $554000 | $1.5M | $1.1M | $1.5M | $2.0M | $2.4M | $3.2M | $3.8M | $5.0M |
| Variação Capital de Giro | $1.4M | -$2.6M | -$3.2M | -$2.8M | -$6.2M | $697000 | $3.7M | -$1.5M | -$12.1M | -$9.2M |
| Fluxo de Caixa Operacional | $6.3M | $4.0M | $10.1M | $16.3M | $15.6M | $30.1M | $38.8M | $42.4M | $42.2M | $59.8M |
| CapEx | -$2.7M | -$190000 | -$1.3M | -$2.1M | -$3.1M | -$2.9M | -$1.2M | -$3.0M | -$3.1M | -$3.2M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | -$567000 | 0 | 0 | -$286000 | 0 | 0 |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | -$2.1M | -$3.7M | -$4.8M | -$5.9M |
| Fluxo de Caixa Livre | $3.7M | $3.8M | $8.9M | $14.2M | $12.5M | $27.1M | $37.6M | $39.4M | $39.1M | $56.7M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $16.8M | $16.8M | $19.5M | $14.5M |
| CapEx | -$1.4M | -$5.3M | -$180000 | -$553000 |
| Fluxo de Caixa Livre | $15.4M | $11.5M | $19.3M | $14.0M |
| Dividendos Pagos | -$1.4M | -$1.6M | -$1.7M | -$1.7M |
| Compensação em Ações | $1.3M | $1.4M | $2.0M | $1.7M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +27.7% | +42.1% | +31.7% | +9.9% | +23.0% | +31.1% | +41.6% | +13.7% | +19.0% |
| Crescimento Lucro Líquido (anual) | | +29.1% | +139.7% | +61.9% | -10.8% | +42.1% | +59.1% | +43.8% | +6.5% | +16.5% |
| Crescimento LPA (anual) | | +7.3% | +100.0% | +61.9% | -11.0% | +41.2% | +55.4% | +42.4% | +5.1% | +12.9% |
| Variação de Ações (anual) | | +24.4% | +23.9% | +0.7% | -1.8% | +4.0% | +2.0% | +3.0% | +1.7% | +2.6% |
| Crescimento FCF (anual) | | +3.7% | +133.8% | +60.8% | -12.6% | +117.9% | +38.4% | +4.9% | -0.8% | +45.1% |
| Margem Bruta | 94.5% | 94.4% | 93.0% | 90.9% | 86.0% | 88.1% | 94.0% | 89.6% | 86.9% | 85.0% |
| Margem Operacional | 22.6% | 27.1% | 32.4% | 39.5% | 32.2% | 34.6% | 45.2% | 45.9% | 42.9% | 41.7% |
| Margem EBITDA | 23.4% | 28.7% | 34.6% | 42.1% | 35.3% | 38.0% | 48.1% | 48.0% | 45.3% | 43.3% |
| Margem Líquida | 13.9% | 14.1% | 23.7% | 29.2% | 23.7% | 27.3% | 33.2% | 33.7% | 31.6% | 30.9% |
| Margem FCF | 18.0% | 14.6% | 24.1% | 29.4% | 23.4% | 41.4% | 43.7% | 32.4% | 28.3% | 34.5% |
| Taxa Efetiva de Imposto | 38.5% | 48.2% | 26.8% | 26.1% | 26.5% | 21.1% | 26.5% | 26.6% | 26.4% | 22.5% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.73 | $0.61 | $1.15 | $1.83 | $1.63 | $3.41 | $4.63 | $4.72 | $4.60 | $6.51 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.27 | $0.45 | $0.57 | $0.67 |
| Ações em Circulação (Básicas) | $5.0M | $6.2M | $7.4M | $7.4M | $7.4M | $7.5M | $7.6M | $7.7M | $7.8M | $8.7M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 17.82% |
| Retorno sobre capital investido | 16.58% |
| Retorno sobre ativos | 2.10% |
| Margem bruta | 86.11% |
| Margem operacional | 40.57% |
| Margem líquida | 29.32% |
Saúde financeira
| Dívida / Patrimônio | 0.00 |
| Liquidez corrente | 0.25 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 27.73 | 33.46 | 18.39 | 13.65 | 11.29 | 13.12 | 11.60 | 9.41 | 14.25 | 16.20 |
| P/VP | 1.46 | 1.48 | 1.73 | 1.73 | 1.13 | 1.64 | 2.09 | 1.94 | 2.62 | 3.07 |
| P/V | 3.75 | 4.75 | 4.36 | 3.97 | 2.67 | 3.59 | 3.85 | 3.17 | 4.50 | 5.40 |
| Margem Bruta | 94.5% | 94.4% | 93.0% | 90.9% | 86.0% | 88.1% | 94.0% | 89.6% | 86.9% | 85.0% |
| Margem Operacional | 22.6% | 27.1% | 32.4% | 39.5% | 32.2% | 34.6% | 45.2% | 45.9% | 42.9% | 41.7% |
| Margem Líquida | 13.9% | 14.1% | 23.7% | 29.2% | 23.7% | 27.3% | 33.2% | 33.7% | 31.6% | 30.9% |