No connection

Search Results

ESQ vs OXLC

ESQ
Esquire Financial Holdings, Inc.
BULLISH
Price
$114.97
Market Cap
$993.0M
Sector
Financial Services
AI Confidence
60%
OXLC
Oxford Lane Capital Corp.
BEARISH
Price
$10.26
Market Cap
$1.0B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ESQ
18.97
OXLC
23.32
Forward P/E
ESQ
13.53
OXLC
2.31
P/B Ratio
ESQ
3.22
OXLC
0.53
P/S Ratio
ESQ
7.25
OXLC
2.05
EV/EBITDA
ESQ
--
OXLC
--

Profitability

Gross Margin
ESQ
0.0%
OXLC
100.0%
Operating Margin
ESQ
48.51%
OXLC
72.75%
Profit Margin
ESQ
37.13%
OXLC
0.77%
ROE
ESQ
19.3%
OXLC
0.22%
ROA
ESQ
2.39%
OXLC
9.09%

Growth

Revenue Growth
ESQ
16.4%
OXLC
29.5%
Earnings Growth
ESQ
13.6%
OXLC
-77.9%

Financial Health

Debt/Equity
ESQ
--
OXLC
0.38
Current Ratio
ESQ
--
OXLC
0.61
Quick Ratio
ESQ
--
OXLC
0.61

Dividends

Dividend Yield
ESQ
0.63%
OXLC
23.39%
Payout Ratio
ESQ
11.93%
OXLC
1215.91%

AI Verdict

ESQ BULLISH

ESQ shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (37.1% margin)
Strong revenue growth of 16.4%
Strong ROE of 19.3%
Risks
Premium vs Graham Number ($69.8)
OXLC BEARISH

OXLC presents a classic 'yield trap' profile, characterized by a stable Piotroski F-Score of 4/9 but severe fundamental deterioration. While the stock trades at a significant discount to book value (P/B 0.53) and below its Graham Number ($13.78), these value metrics are overshadowed by a catastrophic payout ratio of 1215.91% and a 77.9% YoY collapse in earnings. The technical trend is completely bearish (0/100), and the massive dividend yield is unsustainable given the current earnings trajectory.

Strengths
Significant discount to book value (P/B 0.53)
Strong year-over-year revenue growth of 29.50%
Current price is below the Graham Number defensive fair value
Risks
Unsustainable dividend payout ratio (1215.91%)
Severe earnings contraction (-77.9% YoY)
Poor liquidity indicated by a current ratio of 0.61

Compare Another Pair

ESQ vs OXLC: Head-to-Head Comparison

This page compares Esquire Financial Holdings, Inc. (ESQ) and Oxford Lane Capital Corp. (OXLC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile