Key figures for the selected year.
The model's causal graph for 2025. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Cash and Current Assets | 826,105 |
| Cost of Goods Sold | 0 |
| Debt | 1,722,547 |
| Deposits and Payables to Customers | 0 |
| Depreciation Interest and Fees Expenses | 144,542 |
| Intangible Assets | 1,158,027 |
| Investment Income | 0 |
| Investments | 552,254 |
| Labor Expense | 3,135,581 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Liabilities | -11.3 |
| Liabilities | -2.79 |
| Stockholders Equity | -4.42 |
| ECR before LimitedLiability | 3.00 |
| Operating and Employee Liabilities | 5.91 |
| Deposits and Payables to Customers | 1.66 |
| Other Assets | 14.8 |
| Assets | -1.68 |
| Investments | -5.15 |
| Intangible Assets | -1.59 |
| Cash and Current Assets | -5.44 |
| Other Revenues | 5.48 |
| Revenues | 5.55 |
| Labor Expense | -12.3 |
| Net Income | 6.36 |
| Loans Income | -1.06 |
| Revenue from Contract with Customer | 1.39 |
| Comprehensive Net Income | 6.84 |
| Cost of Goods Sold | 2.55 |
| Other Expenses | 19.6 |
| Operating Expenses | -7.95 |
| Economic Capital Ratio | -1.06 |
Charts generated by the RealRate valuation model for this report year.
Distribution of each variable's impact on financial strength — green strengthens, red weakens.
How the company's key drivers have shifted across years.
Model-forecast valuation vs. observed market value.
