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Side-by-side financial comparison of Esquire Financial Holdings, Inc. (ESQ) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $40.5M, roughly 1.9× Esquire Financial Holdings, Inc.). Esquire Financial Holdings, Inc. runs the higher net margin — 30.2% vs -178.3%, a 208.5% gap on every dollar of revenue. Over the past eight quarters, Esquire Financial Holdings, Inc.'s revenue compounded faster (15.0% CAGR vs -1.3%).
Esquire Financial Holdings, Inc. is a U.S.-headquartered bank holding company that provides comprehensive commercial and consumer banking products and services. Its core offerings include deposit accounts, business loans, mortgage services, and wealth management solutions, primarily serving small to medium enterprises, legal industry professionals, and local retail clients.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
ESQ vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $40.5M | $78.6M |
| Net Profit | $12.2M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 30.2% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | 7.0% | -3304.1% |
| EPS (diluted) | $1.40 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $40.5M | — | ||
| Q4 25 | $39.4M | $78.6M | ||
| Q3 25 | $37.6M | $77.7M | ||
| Q2 25 | $35.8M | $75.6M | ||
| Q1 25 | $33.8M | $77.3M | ||
| Q4 24 | $33.1M | $78.3M | ||
| Q3 24 | $31.9M | $79.1M | ||
| Q2 24 | $30.6M | $74.9M |
| Q1 26 | $12.2M | — | ||
| Q4 25 | $13.5M | $-140.1M | ||
| Q3 25 | $14.1M | $-6.4M | ||
| Q2 25 | $11.9M | $-102.3M | ||
| Q1 25 | $11.4M | $-7.9M | ||
| Q4 24 | $11.8M | $-4.1M | ||
| Q3 24 | $11.4M | $3.2M | ||
| Q2 24 | $10.5M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 44.3% | -182.2% | ||
| Q3 25 | 46.5% | -3.9% | ||
| Q2 25 | 42.5% | -138.7% | ||
| Q1 25 | 45.9% | -4.7% | ||
| Q4 24 | 47.4% | -1.5% | ||
| Q3 24 | 48.8% | -0.9% | ||
| Q2 24 | 46.9% | -4.6% |
| Q1 26 | 30.2% | — | ||
| Q4 25 | 34.2% | -178.3% | ||
| Q3 25 | 37.4% | -8.3% | ||
| Q2 25 | 33.2% | -135.2% | ||
| Q1 25 | 33.8% | -10.3% | ||
| Q4 24 | 35.6% | -5.3% | ||
| Q3 24 | 35.6% | 4.1% | ||
| Q2 24 | 34.3% | -5.4% |
| Q1 26 | $1.40 | — | ||
| Q4 25 | $1.54 | $-1.68 | ||
| Q3 25 | $1.62 | $-0.08 | ||
| Q2 25 | $1.38 | $-1.15 | ||
| Q1 25 | $1.33 | $-0.09 | ||
| Q4 24 | $1.35 | $-0.04 | ||
| Q3 24 | $1.34 | $0.03 | ||
| Q2 24 | $1.25 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $222.2M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $301.3M | $484.4M |
| Total Assets | $2.4B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $222.2M | — | ||
| Q4 25 | $235.9M | $115.7M | ||
| Q3 25 | $240.8M | $95.7M | ||
| Q2 25 | $163.0M | $162.6M | ||
| Q1 25 | $173.0M | $165.5M | ||
| Q4 24 | $126.3M | $189.5M | ||
| Q3 24 | $147.7M | $168.7M | ||
| Q2 24 | $152.7M | $147.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
| Q1 26 | $301.3M | — | ||
| Q4 25 | $289.6M | $484.4M | ||
| Q3 25 | $279.2M | $616.9M | ||
| Q2 25 | $263.6M | $633.7M | ||
| Q1 25 | $250.7M | $755.7M | ||
| Q4 24 | $237.1M | $761.3M | ||
| Q3 24 | $232.6M | $754.7M | ||
| Q2 24 | $217.4M | $815.4M |
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.4B | $1.2B | ||
| Q3 25 | $2.2B | $1.3B | ||
| Q2 25 | $2.1B | $1.4B | ||
| Q1 25 | $2.0B | $1.5B | ||
| Q4 24 | $1.9B | $1.6B | ||
| Q3 24 | $1.8B | $1.6B | ||
| Q2 24 | $1.7B | $1.5B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $59.8M | $23.3M | ||
| Q3 25 | $16.8M | $32.2M | ||
| Q2 25 | $10.5M | $33.1M | ||
| Q1 25 | $15.8M | $2.5M | ||
| Q4 24 | $42.2M | $34.3M | ||
| Q3 24 | $10.5M | $60.1M | ||
| Q2 24 | $7.2M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $56.7M | $23.2M | ||
| Q3 25 | $16.2M | $32.1M | ||
| Q2 25 | $9.3M | $33.0M | ||
| Q1 25 | $14.7M | $2.4M | ||
| Q4 24 | $41.5M | $34.0M | ||
| Q3 24 | $10.5M | $59.8M | ||
| Q2 24 | $6.9M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 143.9% | 29.6% | ||
| Q3 25 | 43.2% | 41.3% | ||
| Q2 25 | 26.0% | 43.6% | ||
| Q1 25 | 43.4% | 3.0% | ||
| Q4 24 | 125.5% | 43.5% | ||
| Q3 24 | 32.8% | 75.6% | ||
| Q2 24 | 22.5% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 8.0% | 0.1% | ||
| Q3 25 | 1.3% | 0.2% | ||
| Q2 25 | 3.2% | 0.1% | ||
| Q1 25 | 3.4% | 0.2% | ||
| Q4 24 | 2.2% | 0.3% | ||
| Q3 24 | 0.2% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 4.44× | — | ||
| Q3 25 | 1.19× | — | ||
| Q2 25 | 0.88× | — | ||
| Q1 25 | 1.39× | — | ||
| Q4 24 | 3.59× | — | ||
| Q3 24 | 0.93× | 18.52× | ||
| Q2 24 | 0.69× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ESQ
| Net Interest Income | $34.0M | 84% |
| Noninterest Income | $6.5M | 16% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
