Unicaja Banco SA (UNI) — Defensive Interval Ratio

Latest as of December 2025: 23 days

Unicaja Banco SA (UNI) has a Defensive Interval Ratio of 23 days as of December 2025. Defensive assets of €5.29 Billion (cash €-, short-term investments €1.03 Billion, receivables €4.26 Billion) cover 23 days of daily cash needs of €225.87 Million/day. Check Unicaja Banco SA (UNI) tangible equity ratio to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

23 days
Days of operational coverage

Defensive Assets

€5.29 Billion
Cash + ST Investments + Receivables

Daily Cash Need

€225.87 Million
Current Liabilities ÷ 365

Current Liabilities

€82.44 Billion
EUR

Unicaja Banco SA Defensive Interval Ratio (2010–2025)

This chart shows how Unicaja Banco SA's Defensive Interval Ratio has evolved across 16 annual periods from 2010 to 2025. As of December 2025, the ratio stands at 23 days, meaning defensive assets of €5.29 Billion can fund 23 days of operations without new revenue. Also explore UNI shareholders equity momentum to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for Unicaja Banco SA (2010–2025)

The table below presents the year-by-year Defensive Interval Ratio for Unicaja Banco SA from 2010 to 2025, covering 16 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 UNI market cap.

Year DIR (days) Defensive Assets (EUR) Daily Cash Need Cash ST Investments Change (days)
2025 23 days €5.29 Billion €225.87 Million/day €- €1.03 Billion ▲ +19 days
2024 5 days €996.01 Million €207.97 Million/day €- €995.52 Million ▼ -7 days
2023 11 days €2.30 Billion €201.43 Million/day €- €2.29 Billion ▲ +10 days
2022 1 days €269.48 Million €207.22 Million/day €- €268.57 Million ▼ -852 days
2021 854 days €482.44 Million €565.13K/day €- €- ▲ +796 days
2020 58 days €37.02 Million €640.06K/day €- €- ▲ +29 days
2019 29 days €19.80 Million €685.70K/day €- €19.80 Million ▼ -436 days
2018 465 days €322.77 Million €694.48K/day €- €322.76 Million ▼ -2769 days
2017 3234 days €2.34 Billion €724.05K/day €- €2.34 Billion ▲ +646 days
2016 2588 days €2.15 Billion €831.13K/day €- €2.15 Billion ▲ +1778 days
2015 810 days €827.29 Million €1.02 Million/day €- €827.28 Million ▼ -1880 days
2014 2690 days €3.98 Billion €1.48 Million/day €- €3.98 Billion ▼ -9680 days
2013 12370 days €11.19 Billion €904.79K/day €- €11.19 Billion ▲ +4608 days
2012 7762 days €6.18 Billion €795.69K/day €- €6.18 Billion ▲ +4411 days
2011 3351 days €2.43 Billion €725.07K/day €- €2.43 Billion ▲ +3169 days
2010 182 days €113.53 Million €622.26K/day €- €113.42 Million —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)