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 | 233,089 |
| Debt | 0 |
| Deposits | 5,920,199 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 104,023 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | -2.97 |
| Assets | 2.90 |
| Liabilities | -1.72 |
| Stockholders Equity | 1.27 |
| ECR before LimitedLiability | 4.06 |
| Loans | -1.38 |
| Cash and Cash Equivalents | -0.525 |
| Notes Receivable | 7.33 |
| Deposits | -24.9 |
| Debt | 2.87 |
| Other Liabilities | 8.03 |
| Operating Expenses | 2.77 |
| Expenses | 4.06 |
| Revenues | -4.12 |
| Net Income | 1.97 |
| Selling and Marketing Expense | 1.27 |
| General and Administrative Expense | 0.668 |
| Other Expenses | -0.596 |
| Other Revenues | -4.12 |
| Comprehensive Net Income | 2.08 |
| Other Net Income | 2.75 |
| Economic Capital Ratio | 0.449 |
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.
