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 Cash Equivalents | 145,554 |
| Debt | 0 |
| Deposits | 1,679,143 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 25,375 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | -0.390 |
| Assets | 2.21 |
| Liabilities | -1.99 |
| ECR before LimitedLiability | 3.79 |
| Loans | -1.41 |
| Cash and Cash Equivalents | 1.02 |
| Notes Receivable | 3.43 |
| Deposits | -26.3 |
| Debt | 2.92 |
| Other Liabilities | 7.94 |
| Operating Expenses | 2.82 |
| Expenses | 3.98 |
| Net Income | 2.16 |
| Selling and Marketing Expense | 1.31 |
| General and Administrative Expense | 0.680 |
| Other Expenses | -0.947 |
| Other Revenues | -4.22 |
| Revenues | -4.22 |
| Comprehensive Net Income | 2.81 |
| Other Compr. Net Income | 0.593 |
| Other Net Income | 3.17 |
| Economic Capital Ratio | 0.178 |
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.
