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 | 412,258 |
| Deposits | 1,437,272 |
| 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 |
|---|---|
| Other Assets | -3.11 |
| Assets | 4.02 |
| Liabilities | -1.88 |
| Stockholders Equity | 2.26 |
| ECR before LimitedLiability | 5.33 |
| Loans | -1.27 |
| Cash and Cash Equivalents | -1.52 |
| Notes Receivable | 9.13 |
| Deposits | -10.6 |
| Debt | -5.06 |
| Other Liabilities | 8.81 |
| Operating Expenses | 2.55 |
| Expenses | 5.72 |
| Revenues | -3.98 |
| Net Income | 2.23 |
| Labor and Related Expense | 0.756 |
| Selling and Marketing Expense | 1.19 |
| Other Revenues | -3.98 |
| Comprehensive Net Income | 2.30 |
| Other Net Income | 1.25 |
| Economic Capital Ratio | 1.72 |
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.
