Key figures for the selected year.
The model's causal graph for 2024. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets, Current | 0 |
| Assets, Non-Current | 5,736 |
| Claims Reserve and LAE | 322,087 |
| Deferred Acquisition Costs Amortization | 69,564 |
| Deferred Policy Acquisition Costs | 40,282 |
| General and Administrative Expense | 45,043 |
| Insurance Commissions and Fees | 0 |
| Intangible Assets | 5,908 |
| Investment Income | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Deferred Policy Acquisition Costs | 0.564 |
| Assets | 6.46 |
| Liabilities | -14.0 |
| Stockholders Equity | -2.10 |
| ECR before LimitedLiability | -6.95 |
| Premiums Receivable | -2.15 |
| Investments | -16.9 |
| Assets, Current | -1.79 |
| Intangible Assets | -0.847 |
| Other Assets | 15.1 |
| Assets, Non-Current | -1.03 |
| Reinsurance Recoverables | -2.83 |
| Reinsurance Payable | 1.08 |
| Policyholder Contract Deposits | 2.95 |
| Unearned Premiums | 5.91 |
| Liabilities Current | 0.436 |
| Claims Reserve and LAE | -1.48 |
| Other Liabilities | -28.9 |
| Long Term Debt | 1.98 |
| Economic Capital Ratio | -6.56 |
| Premiums Earned | -0.563 |
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.
