UP FINT. HLDG (SP.ADR) A (1M5) — Defensive Interval Ratio
UP FINT. HLDG (SP.ADR) A (1M5) has a Defensive Interval Ratio of 175 days as of September 2025. Defensive assets of €4.06 Billion (cash €-, short-term investments €108.30 Million, receivables €3.96 Billion) cover 175 days of daily cash needs of €23.22 Million/day. See 1M5 net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
UP FINT. HLDG (SP.ADR) A Defensive Interval Ratio (2021–2024)
This chart shows how UP FINT. HLDG (SP.ADR) A's Defensive Interval Ratio has evolved across 4 annual periods from 2021 to 2024. As of September 2025, the ratio stands at 175 days, meaning defensive assets of €4.06 Billion can fund 175 days of operations without new revenue. See how leveraged is UP FINT. HLDG (SP.ADR) A's balance sheet to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for UP FINT. HLDG (SP.ADR) A (2021–2024)
The table below presents the year-by-year Defensive Interval Ratio for UP FINT. HLDG (SP.ADR) A from 2021 to 2024, covering 4 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see UP FINT. HLDG (SP.ADR) A stock valuation.
| Year | DIR (days) | Defensive Assets (EUR) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 225 days | €3.44 Billion | €15.24 Million/day | €- | €76.62 Million | ▲ +21 days |
| 2023 | 204 days | €1.72 Billion | €8.45 Million/day | €- | €429.06 Million | ▲ +1 days |
| 2022 | 203 days | €1.77 Billion | €8.71 Million/day | €- | €163.48 Million | ▲ +112 days |
| 2021 | 90 days | €671.60 Million | €7.45 Million/day | €- | €6.95 Million | — |