Key figures for the selected year.
The model's causal graph for 2024. 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 | 44,563 |
| Deposits | 1,308,960 |
| 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 |
|---|---|
| Assets | 4.18 |
| Liabilities | -4.03 |
| ECR before LimitedLiability | 1.76 |
| Other Assets | -5.43 |
| Notes Receivable | 10.0 |
| Loans | -0.967 |
| Cash and Cash Equivalents | -1.51 |
| Debt | 2.85 |
| Other Liabilities | 7.65 |
| Deposits | -25.9 |
| Expenses | 7.22 |
| Net Income | 1.34 |
| Labor and Related Expense | 1.09 |
| General and Administrative Expense | 1.31 |
| Operating Expenses | 3.61 |
| Selling and Marketing Expense | 1.30 |
| Other Revenues | -5.06 |
| Revenues | -5.06 |
| Comprehensive Net Income | 1.38 |
| Other Net Income | -1.12 |
| Economic Capital Ratio | -0.770 |
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.
