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 | 163,951 |
| Debt | 0 |
| Deposits | 4,015,809 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 51,370 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | -2.50 |
| Assets | 2.98 |
| Liabilities | -2.19 |
| Stockholders Equity | 0.791 |
| ECR before LimitedLiability | 2.94 |
| Loans | -1.46 |
| Cash and Cash Equivalents | -0.742 |
| Notes Receivable | 6.29 |
| Deposits | -12.6 |
| Debt | 2.98 |
| Other Liabilities | 5.93 |
| Operating Expenses | 2.91 |
| Expenses | 4.28 |
| Revenues | -4.10 |
| Net Income | 1.47 |
| Selling and Marketing Expense | 1.33 |
| General and Administrative Expense | 0.700 |
| Other Expenses | -1.13 |
| Other Revenues | -4.10 |
| Comprehensive Net Income | 1.52 |
| Other Net Income | 2.09 |
| Economic Capital Ratio | -0.676 |
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.
