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 | 12,783 |
| Debt | 0 |
| Deposits | 9,833,870 |
| 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 | 8.20 |
| Assets | 3.74 |
| Liabilities | -2.51 |
| Stockholders Equity | 1.25 |
| ECR before LimitedLiability | 4.11 |
| Loans | -1.35 |
| Cash and Cash Equivalents | -1.57 |
| Notes Receivable | -3.32 |
| Deposits | -25.7 |
| Debt | 2.80 |
| Other Liabilities | 7.96 |
| Operating Expenses | 2.70 |
| Expenses | 6.04 |
| Revenues | -4.07 |
| Net Income | 2.35 |
| Labor and Related Expense | 0.794 |
| Selling and Marketing Expense | 1.26 |
| General and Administrative Expense | 0.652 |
| Other Revenues | -4.07 |
| Comprehensive Net Income | 2.21 |
| Other Net Income | 1.34 |
| Economic Capital Ratio | 0.493 |
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.
