Esquire Financial Holdings (ESQ) Interest Coverage Ratio (2016 - 2026)
Esquire Financial Holdings' Interest Coverage Ratio came in at 4.26 for Q2 2026, down 6.5% from 4.56 a year earlier and down 3.1% from the prior quarter.
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Analysis
Esquire Financial Holdings (ESQ) Interest Coverage Ratio (2016 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Esquire Financial Holdings reported Interest Coverage Ratio of 4.45, down 11.7% year-over-year; for FY2025, it came in at 4.66, down 13.8% from FY2024.
- Interest Coverage Ratio has declined in each of the last four years.
- Going back by year, Interest Coverage Ratio was 5.41 in FY2024 (-31.4%), 7.89 in FY2023 (-67.9%), 24.56 in FY2022 (-13.6%) and 28.43 in FY2021 (+84.3%).
- The Q2 2026 figure represents the lowest quarterly Interest Coverage Ratio in data going back to Q2 2016.
- Year-over-year, Interest Coverage Ratio has declined for 15 consecutive quarters, with an average decline of 12.9% over the last eight quarters.
- The fastest year-over-year change in Interest Coverage Ratio over five years came in Q3 2022 (growth of 50.8%), and the weakest in Q2 2023 (a decline of 76.8%).
- Business Quant data shows ESQ's Interest Coverage Ratio at 4.40 (Q1 2026), 4.52 (Q4 2025) and 4.64 (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 2.10 |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | -2.12 |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 1.65 |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 1.56 |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 1.43 |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | 0.56 |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 1.47 |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 1.73 |
| 10 | Esquire Financial Holdings | 1.01 Bn | 65.48 Mn | - | 4.26 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 4.26 |
| Mar 31, 2026 | 4.40 |
| Dec 31, 2025 | 4.52 |
| Sep 30, 2025 | 4.64 |
| Jun 30, 2025 | 4.56 |
| Mar 31, 2025 | 4.97 |
| Dec 31, 2024 | 5.02 |
| Sep 30, 2024 | 5.75 |
| Jun 30, 2024 | 5.69 |
| Mar 31, 2024 | 5.26 |
| Dec 31, 2023 | 5.67 |
| Sep 30, 2023 | 7.11 |
| Jun 30, 2023 | 7.35 |
| Mar 31, 2023 | 16.40 |
| Dec 31, 2022 | 18.39 |
| Sep 30, 2022 | 26.40 |
| Jun 30, 2022 | 31.64 |
| Mar 31, 2022 | 31.54 |
| Dec 31, 2021 | 33.74 |
| Sep 30, 2021 | 17.51 |
API Access
Esquire Financial Holdings Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=ESQ&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "ESQ", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=ESQ&period=max&api_key=YOUR_API_KEY");
const data = await res.json();