Key figures for the selected year.
The model's causal graph for 2023. Inputs synthesize into the Economic Capital Ratio.
Impact on ECR in % points.
From the public annual report.
| Variable | × 1,000 USD |
|---|---|
| Assets, Current | 18,999 |
| Assets, Non-Current | 523,627 |
| Claims Reserve and LAE | 370,148 |
| Deferred Acquisition Costs Amortization | 24,631 |
| Deferred Policy Acquisition Costs | 18,718 |
| General and Administrative Expense | 403,274 |
| Insurance Commissions and Fees | 0 |
| Intangible Assets | 0 |
| Investment Income | 242,533 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Premiums Receivable | -0.813 |
| Assets | 27.7 |
| Liabilities | -3.50 |
| Stockholders Equity | 28.1 |
| ECR before LimitedLiability | 19.8 |
| Assets, Non-Current | 1.99 |
| Assets, Current | -0.489 |
| Other Assets | 0.806 |
| Reinsurance Recoverables | -0.919 |
| Investments | 31.3 |
| Intangible Assets | -0.464 |
| Separate Account Asset | -0.889 |
| Policyholder Contract Deposits | 4.61 |
| Unearned Premiums | 2.52 |
| Claims Reserve and LAE | 7.62 |
| Other Liabilities | -23.0 |
| Long Term Debt | 1.60 |
| Expenses | -0.582 |
| Policyholder Benefits and Claims | -0.575 |
| Revenues | -0.477 |
| Economic Capital Ratio | 20.1 |
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.
