Key figures for the selected year.
The model's causal graph for 2023. 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 | 2,003,986 |
| 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 | 3.58 |
| Liabilities | -3.28 |
| Stockholders Equity | 0.320 |
| ECR before LimitedLiability | 2.07 |
| Notes Receivable | 4.04 |
| Loans | -1.82 |
| Other Assets | 4.13 |
| Cash and Cash Equivalents | -1.66 |
| Other Liabilities | 6.96 |
| Deposits | -21.4 |
| Debt | 4.01 |
| Expenses | 6.74 |
| Revenues | -4.32 |
| Net Income | 1.07 |
| Labor and Related Expense | 1.06 |
| Operating Expenses | 3.03 |
| Selling and Marketing Expense | 1.03 |
| General and Administrative Expense | 1.25 |
| Other Revenues | -4.32 |
| Other Net Income | -0.613 |
| Comprehensive Net Income | 1.09 |
| Economic Capital Ratio | 0.168 |
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.
