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 | 80,616 |
| Debt | 0 |
| Deposits | 1,809,604 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 26,020 |
| Loans | 0 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Other Assets | -2.87 |
| Assets | 2.30 |
| Liabilities | -1.85 |
| Stockholders Equity | 0.571 |
| ECR before LimitedLiability | 4.01 |
| Loans | -1.39 |
| Cash and Cash Equivalents | -0.457 |
| Notes Receivable | 7.13 |
| Deposits | -20.4 |
| Debt | 2.90 |
| Other Liabilities | 7.47 |
| Operating Expenses | 2.79 |
| Expenses | 3.91 |
| Revenues | -4.17 |
| Net Income | 2.38 |
| Selling and Marketing Expense | 1.30 |
| General and Administrative Expense | 0.673 |
| Other Expenses | -1.28 |
| Other Revenues | -4.17 |
| Comprehensive Net Income | 2.76 |
| Other Net Income | 3.39 |
| Economic Capital Ratio | 0.396 |
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.
