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 | 0 |
| Debt | 0 |
| Deposits | 2,972,806 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 53,479 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | -4.89 |
| Assets | 2.52 |
| Liabilities | -1.71 |
| Stockholders Equity | 0.918 |
| ECR before LimitedLiability | 3.96 |
| Loans | -1.39 |
| Cash and Cash Equivalents | -1.66 |
| Notes Receivable | 8.73 |
| Deposits | -24.5 |
| Debt | 2.90 |
| Other Liabilities | 7.91 |
| Operating Expenses | 2.80 |
| Expenses | 3.77 |
| Revenues | -4.17 |
| Net Income | 2.23 |
| Selling and Marketing Expense | 1.25 |
| General and Administrative Expense | 0.674 |
| Other Expenses | -0.821 |
| Other Revenues | -4.17 |
| Comprehensive Net Income | 2.35 |
| Other Net Income | 3.38 |
| Economic Capital Ratio | 0.350 |
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.
