ESQ Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	49.11	43.66	41.01	28.52	17.93	12.62
Depreciation & Amortization	3.58	3.29	2.54	2.55	1.7	1.62
Provision for Credit Losses	8.48	4.7	4.53	3.49	6.96	6.25
Stock-Based Compensation	4.56	3.84	3.22	2.44	1.97	1.54
Net Change in Loans Held-for-Sale	-	-	-	0.58	0.84	-
Other Adjustments	0.17	-1.16	-7.43	-1.85	0.18	-0.22
Changes in Accrued Interest and Accounts Receivable	-1.98	-0.99	-3.36	-1.57	0.33	-1.29
Changes in Accrued Expenses	1.65	0.7	1.73	2.68	0.59	0.09
Changes in Other Operating Activities	-9.52	-11.81	0.17	2.62	-0.22	-5.03
Operating Cash Flow	54.73	42.21	42.4	38.8	30.08	15.59
Operating Cash Flow Growth	16.33%	-0.45%	9.29%	28.98%	92.94%	-4.41%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-	-	49.57	0.7	1.46	-51.73
Net Change in Loans Held-for-Investment	-256.22	-189.48	-259.23	-162.07	-134.54	-109.67
Net Change in Securities and Investments	-35.25	-113.18	-8.5	-59.46	-34.66	29.11
Capital Expenditures	-2.91	-0.71	-0.61	-0.07	-1	-0.75
Purchases of Intangible Assets	-2.76	-2.44	-2.4	-1.16	-1.94	-2.39
Other Investing Activities	-0.45	-2.46	6.56	-0.13	0.01	-0.03
Investing Cash Flow	-297.03	-308.27	-215.4	-221.5	-170.49	-135.44
Net Change in Deposits	343.05	234.94	179.06	199.83	224.36	123.43
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-0	-0	-0	-0	-0	-0.04
Issuance of Common Stock	1.02	0.51	0.11	0.33	0.03	0.4
Repurchase of Common Stock	-3.12	-3.42	-1.36	-0.34	-	-0.57
Net Common Stock Issued (Repurchased)	-2.1	-2.92	-1.25	-0.01	0.03	-0.17
Common Dividends Paid	-5.54	-4.85	-3.72	-2.15	-	-
Financing Cash Flow	335.4	227.17	174.09	197.67	224.38	123.23
Net Cash Flow	93.1	-38.88	1.09	14.97	83.97	3.38
Free Cash Flow	51.83	41.5	41.8	38.72	29.08	14.84
Free Cash Flow Growth	24.89%	-0.71%	7.93%	33.19%	95.92%	-5.25%
FCF Margin	39.34%	34.55%	38.35%	47.94%	50.33%	32.38%
Free Cash Flow Per Share	6.01	4.89	5.01	4.71	3.66	1.94
Levered Free Cash Flow	39.95	34.12	41.48	34.73	19.32	7.27
Unlevered Free Cash Flow	-9.16	-9.54	0.47	6.21	1.39	-5.35

Updated Jan 22, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q