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 | 19,480 |
| Debt | 0 |
| Deposits | 277,563 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 949 |
| Labor and Related Expense | 0 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | 14.1 |
| Assets | 4.43 |
| Liabilities | -2.88 |
| Stockholders Equity | 1.37 |
| ECR before LimitedLiability | 3.23 |
| Loans | -1.40 |
| Notes Receivable | -12.4 |
| Deposits | -17.0 |
| Debt | 2.86 |
| Other Liabilities | 6.42 |
| Operating Expenses | 2.79 |
| Expenses | 6.19 |
| Revenues | -4.14 |
| Net Income | 1.44 |
| Interest Expense | 0.236 |
| Labor and Related Expense | 0.819 |
| Selling and Marketing Expense | 1.29 |
| General and Administrative Expense | 0.672 |
| Other Revenues | -4.14 |
| Comprehensive Net Income | 1.30 |
| Economic Capital Ratio | -0.381 |
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.
