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 | 606,617 |
| Depreciation and Amortization | 0 |
| General and Administrative Expense | 0 |
| Interest Expense | 0 |
| Interest Payable | 0 |
| Labor and Related Expense | 0 |
| Loans | 475,511 |
Calculated by the valuation model.
| Variable | × 1,000 USD |
|---|---|
| Loans | 9.09 |
| Assets | 3.61 |
| Other Liabilities | 5.86 |
| Stockholders Equity | 3.27 |
| Comprehensive Net Income | -0.708 |
| ECR before LimitedLiability | 2.04 |
| Other Assets | 5.57 |
| Cash and Cash Equivalents | -1.11 |
| Notes Receivable | -7.17 |
| Labor and Related Expense | 0.990 |
| Expenses | 4.23 |
| General and Administrative Expense | 0.579 |
| Selling and Marketing Expense | 0.616 |
| Operating Expenses | 1.19 |
| Other Revenues | -2.82 |
| Revenues | -2.82 |
| Deposits | -11.5 |
| Debt | 3.66 |
| Other Compr. Net Income | -0.744 |
| Other Net Income | -0.959 |
| Economic Capital Ratio | 1.57 |
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.
