Esquire Financial [ESQ] vs LendingClub [LC] Detailed Stock Comparison
Esquire Financial
NASDAQ
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LendingClub
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Esquire Financial wins in 12 metrics, LendingClub wins in 5 metrics, with 0 ties. Esquire Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Esquire Financial | LendingClub | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 18.00 | 26.06 | Esquire Financial |
| Price-to-Book Ratio | 2.96 | 1.36 | LendingClub |
| Debt-to-Equity Ratio | 0.01 | 1.59 | Esquire Financial |
| PEG Ratio | 1.72 | 0.17 | LendingClub |
| EV/EBITDA | N/A | 7.33 | N/A |
| Profit Margin (TTM) | 36.59% | 5.93% | Esquire Financial |
| Operating Margin (TTM) | 48.09% | 16.30% | Esquire Financial |
| EBITDA Margin (TTM) | 48.09% | 16.30% | Esquire Financial |
| Return on Equity | 19.30% | 5.50% | Esquire Financial |
| Return on Assets (TTM) | 2.46% | 0.61% | Esquire Financial |
| Free Cash Flow (TTM) | $39.06M | $-2.69B | Esquire Financial |
| Dividend Yield | 0.83% | N/A | N/A |
| 1-Year Return | 65.27% | 57.78% | Esquire Financial |
| Price-to-Sales Ratio (TTM) | 6.53 | 1.53 | LendingClub |
| Enterprise Value | $624.94M | $1.18B | LendingClub |
| EV/Revenue Ratio | 4.93 | 0.95 | LendingClub |
| Revenue per Share (TTM) | $16 | $11 | Esquire Financial |
| Earnings per Share (Diluted) | $5.39 | $0.64 | Esquire Financial |
| Beta (Stock Volatility) | 0.57 | 2.54 | Esquire Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Esquire Financial vs LendingClub Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Esquire Financial | 3.70% | 6.93% | 7.52% | 16.54% | 44.82% | 33.51% |
| LendingClub | 2.44% | 5.44% | 10.66% | 57.22% | 64.09% | 9.36% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Esquire Financial | 65.27% | 169.43% | 627.63% | 595.13% | 595.13% | 595.13% |
| LendingClub | 57.78% | 54.87% | 289.40% | -73.39% | -85.71% | -85.71% |
News Based Sentiment: Esquire Financial vs LendingClub
Esquire Financial
News based Sentiment: MIXED
September presented a mixed bag for Esquire Financial Holdings, with increasing institutional interest and bullish technical signals offset by insider selling, a revenue miss, and a downgrade due to valuation concerns. The company's strategic shift towards litigation banking remains a key focus, but the conflicting signals create uncertainty for investors.
LendingClub
News based Sentiment: MIXED
LendingClub reported impressive Q2 earnings, driving positive analyst ratings. However, consistent insider selling, including sales by the CEO and a director, introduces a note of caution. This combination of positive performance and insider activity creates a mixed investment narrative.
Performance & Financial Health Analysis: Esquire Financial vs LendingClub
| Metric | ESQ | LC |
|---|---|---|
| Market Information | ||
| Market Cap | $828.50M | $1.91B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 47,730 | 1,223,500 |
| 90 Day Avg. Volume | 65,523 | 1,563,977 |
| Last Close | $104.27 | $17.64 |
| 52 Week Range | $60.42 - $106.11 | $7.90 - $18.75 |
| % from 52W High | -1.74% | -5.92% |
| All-Time High | $106.11 (Jul 25, 2025) | $146.45 (Dec 15, 2014) |
| % from All-Time High | -1.73% | -87.95% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | 0.19% |
| Quarterly Earnings Growth | 0.13% | 1.56% |
| Financial Health | ||
| Profit Margin (TTM) | 0.37% | 0.06% |
| Operating Margin (TTM) | 0.48% | 0.16% |
| Return on Equity (TTM) | 0.19% | 0.06% |
| Debt to Equity (MRQ) | 0.01 | 1.59 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $32.74 | $12.25 |
| Cash per Share (MRQ) | $20.15 | $6.56 |
| Operating Cash Flow (TTM) | $48.51M | $-1,907,550,976 |
| Levered Free Cash Flow (TTM) | $43.66M | $-621,227,136 |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.83% | N/A |
| Last 12-Month Dividend | $0.81 | N/A |
Valuation & Enterprise Metrics Analysis: Esquire Financial vs LendingClub
| Metric | ESQ | LC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 18.00 | 26.06 |
| Forward P/E | 17.61 | 19.86 |
| PEG Ratio | 1.72 | 0.17 |
| Price to Sales (TTM) | 6.53 | 1.53 |
| Price to Book (MRQ) | 2.96 | 1.36 |
| Market Capitalization | ||
| Market Capitalization | $828.50M | $1.91B |
| Enterprise Value | $624.94M | $1.18B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.93 | 0.95 |
| Enterprise to EBITDA | N/A | 7.33 |
| Risk & Other Metrics | ||
| Beta | 0.57 | 2.54 |
| Book Value per Share (MRQ) | $32.74 | $12.25 |
Financial Statements Comparison: Esquire Financial vs LendingClub
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | ESQ | LC |
|---|---|---|
| Revenue/Sales | $33.76M | $217.71M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $15.51M | $15.70M |
| Income Tax | $4.11M | $4.02M |
| Net Income (Profit) | $11.41M | $11.67M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | ESQ | LC |
|---|---|---|
| Cash & Equivalents | $173.04M | $895.52M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | N/A | $25.57M |
| Total Shareholders Equity | $250.72M | $1.36B |
| Retained Earnings | $162.86M | $-325.81M |
| Property, Plant & Equipment | N/A | $19.27M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | ESQ | LC |
|---|---|---|
| Operating Cash Flow | $11.62M | $-386.43M |
| Capital Expenditures | $-1.15M | $-13.07M |
| Free Cash Flow | $14.06M | $-352.32M |
| Debt Repayment | N/A | $0 |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | ESQ | LC |
|---|---|---|
| Shares Short | 651,360 | 5.46M |
| Short Ratio | 8.91 | 2.36 |
| Short % of Float | 0.09% | 0.05% |
| Average Daily Volume (10 Day) | 47,730 | 1,223,500 |
| Average Daily Volume (90 Day) | 65,523 | 1,563,977 |
| Shares Outstanding | 8.35M | 113.38M |
| Float Shares | 6.72M | 105.39M |
| % Held by Insiders | 0.17% | 0.03% |
| % Held by Institutions | 0.70% | 0.81% |
Dividend Analysis & Yield Comparison: Esquire Financial vs LendingClub
| Metric | ESQ | LC |
|---|---|---|
| Last 12-Month Dividend | $0.81 | N/A |
| Last 12-Month Dividend Yield | 0.83% | N/A |
| 3-Year Avg Annual Dividend | $0.59 | N/A |
| 3-Year Avg Dividend Yield | 0.24% | N/A |
| 3-Year Total Dividends | $1.76 | N/A |
| Ex-Dividend Date | Aug 15, 2025 | N/A |