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 |
|---|---|
| Cash and Cash Equivalents | 0 |
| Debt | 65,000 |
| Deposits | 1,760,566 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 0 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Assets | 2.97 |
| Liabilities | -5.93 |
| Stockholders Equity | -3.01 |
| Other Assets | -3.58 |
| Notes Receivable | 5.45 |
| Cash and Cash Equivalents | -1.82 |
| Debt | 3.09 |
| Other Liabilities | 4.84 |
| Deposits | -24.0 |
| Expenses | 4.61 |
| Revenues | -5.59 |
| Net Income | 1.68 |
| Labor and Related Expense | 1.28 |
| General and Administrative Expense | 1.53 |
| Operating Expenses | 3.79 |
| Selling and Marketing Expense | 1.52 |
| Other Revenues | -5.59 |
| ECR before LimitedLiability | -1.55 |
| Comprehensive Net Income | 1.43 |
| Other Net Income | -1.27 |
| Economic Capital Ratio | -4.08 |
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.
