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 | 0 |
| Debt | 0 |
| Deposits | 2,813,029 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 78,337 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | -2.82 |
| Assets | 1.32 |
| Liabilities | -1.67 |
| ECR before LimitedLiability | 3.39 |
| Loans | -1.46 |
| Cash and Cash Equivalents | -1.74 |
| Notes Receivable | 6.71 |
| Deposits | -22.7 |
| Debt | 3.01 |
| Other Liabilities | 7.34 |
| Operating Expenses | 2.93 |
| Expenses | 2.67 |
| Net Income | 2.99 |
| Labor and Related Expense | -1.03 |
| Selling and Marketing Expense | 1.26 |
| General and Administrative Expense | 0.704 |
| Other Expenses | -1.23 |
| Other Revenues | -4.25 |
| Revenues | -4.25 |
| Comprehensive Net Income | 3.00 |
| Other Net Income | 5.53 |
| Economic Capital Ratio | -0.221 |
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.
