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 | 324,692 |
| Debt | 0 |
| Deposits | 3,709,997 |
| 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 |
|---|---|
| Other Assets | -6.50 |
| Assets | 3.68 |
| Liabilities | -2.40 |
| Stockholders Equity | 1.33 |
| ECR before LimitedLiability | 4.40 |
| Loans | -1.33 |
| Cash and Cash Equivalents | 0.883 |
| Notes Receivable | 9.31 |
| Deposits | -22.9 |
| Debt | 2.78 |
| Other Liabilities | 7.88 |
| Operating Expenses | 2.67 |
| Expenses | 5.95 |
| Revenues | -4.05 |
| Net Income | 2.53 |
| Labor and Related Expense | 0.786 |
| Selling and Marketing Expense | 1.24 |
| Other Revenues | -4.05 |
| Comprehensive Net Income | 2.39 |
| Other Net Income | 1.53 |
| Economic Capital Ratio | 0.784 |
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.
