XP Inc (XP9) — Defensive Interval Ratio

Latest as of December 2025: 111 days

XP Inc (XP9) has a Defensive Interval Ratio of 111 days as of December 2025. Defensive assets of €63.89 Billion (cash €-, short-term investments €62.76 Billion, receivables €1.13 Billion) cover 111 days of daily cash needs of €574.05 Million/day. See XP9 working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

111 days
Days of operational coverage

Defensive Assets

€63.89 Billion
Cash + ST Investments + Receivables

Daily Cash Need

€574.05 Million
Current Liabilities ÷ 365

Current Liabilities

€209.53 Billion
EUR

XP Inc Defensive Interval Ratio (2016–2025)

This chart shows how XP Inc's Defensive Interval Ratio has evolved across 10 annual periods from 2016 to 2025. As of December 2025, the ratio stands at 111 days, meaning defensive assets of €63.89 Billion can fund 111 days of operations without new revenue. See how leveraged is XP Inc's balance sheet to measure how much of total assets are equity-financed.

Annual Defensive Interval Ratio for XP Inc (2016–2025)

The table below presents the year-by-year Defensive Interval Ratio for XP Inc from 2016 to 2025, covering 10 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 XP Inc market cap and net worth.

Year DIR (days) Defensive Assets (EUR) Daily Cash Need Cash ST Investments Change (days)
2025 111 days €63.89 Billion €574.05 Million/day €- €62.76 Billion ▼ -19 days
2024 130 days €69.98 Billion €537.37 Million/day €- €69.30 Billion ▼ -20 days
2023 150 days €51.05 Billion €339.99 Million/day €- €50.47 Billion ▲ +1 days
2022 150 days €41.06 Billion €274.53 Million/day €- €40.54 Billion ▼ -27 days
2021 176 days €34.16 Billion €193.55 Million/day €- €33.74 Billion ▲ +60 days
2020 116 days €20.55 Billion €176.80 Million/day €- €20.09 Billion ▲ +75 days
2019 41 days €3.60 Billion €86.96 Million/day €- €3.12 Billion ▼ -4 days
2018 45 days €1.81 Billion €40.39 Million/day €- €1.59 Billion ▼ -13 days
2017 58 days €828.18 Million €14.22 Million/day €- €671.84 Million ▲ +48 days
2016 10 days €87.40 Million €8.52 Million/day €- €- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)