Key figures for the selected year.
The model's causal graph for 2022. 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 | 328,840 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 4,499 |
| Labor and Related Expense | 0 |
| Loans | 334,139 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Loans | 14.3 |
| Assets | 3.36 |
| Liabilities | -1.22 |
| Stockholders Equity | 2.36 |
| ECR before LimitedLiability | 1.98 |
| Other Assets | -3.26 |
| Cash and Cash Equivalents | -1.10 |
| Notes Receivable | -7.14 |
| Deposits | -16.6 |
| Other Liabilities | 8.85 |
| Interest Payable | -0.411 |
| Debt | 3.64 |
| Labor and Related Expense | 0.986 |
| Expenses | 4.13 |
| General and Administrative Expense | 0.577 |
| Selling and Marketing Expense | 0.613 |
| Operating Expenses | 1.19 |
| Other Revenues | -2.80 |
| Revenues | -2.80 |
| Economic Capital Ratio | 1.51 |
| Other Net Income | -0.942 |
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.
