Enterprise Financial Services (EFSC) — Defensive Interval Ratio
Enterprise Financial Services (EFSC) has a Defensive Interval Ratio of 44 days as of September 2025. Defensive assets of $1.65 Billion (cash $-, short-term investments $1.65 Billion, receivables $-) cover 44 days of daily cash needs of $37.17 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Enterprise Financial Services Defensive Interval Ratio (1996–2024)
This chart shows how Enterprise Financial Services's Defensive Interval Ratio has evolved across 29 annual periods from 1996 to 2024. As of September 2025, the ratio stands at 44 days, meaning defensive assets of $1.65 Billion can fund 44 days of operations without new revenue. For the complete balance sheet picture, see Enterprise Financial Services (EFSC) total assets.
Annual Defensive Interval Ratio for Enterprise Financial Services (1996–2024)
The table below presents the year-by-year Defensive Interval Ratio for Enterprise Financial Services from 1996 to 2024, covering 29 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Enterprise Financial Services (EFSC) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 3 days | $115.02 Million | $36.69 Million/day | $- | $115.02 Million | ▼ -44 days |
| 2023 | 48 days | $1.62 Billion | $34.05 Million/day | $- | $1.62 Billion | ▼ -9 days |
| 2022 | 56 days | $1.54 Billion | $27.35 Million/day | $- | $1.54 Billion | ▲ +8 days |
| 2021 | 48 days | $1.37 Billion | $28.20 Million/day | $- | $1.37 Billion | ▲ +1 days |
| 2020 | 47 days | $912.43 Million | $19.42 Million/day | $- | $912.43 Million | ▼ -39 days |
| 2019 | 86 days | $1.14 Billion | $13.20 Million/day | $- | $1.14 Billion | ▼ -136062 days |
| 2018 | 136148 days | $737.44 Million | $5.42K/day | $- | $721.37 Million | ▼ -2141 days |
| 2017 | 138289 days | $655.45 Million | $4.74K/day | $- | $641.38 Million | ▼ -17592 days |
| 2016 | 155881 days | $471.91 Million | $3.03K/day | $- | $460.80 Million | ▲ +155826 days |
| 2015 | 55 days | $460.17 Million | $8.37 Million/day | $- | $451.77 Million | ▲ +0 days |
| 2014 | 55 days | $408.10 Million | $7.46 Million/day | $- | $400.15 Million | ▼ -9 days |
| 2013 | 64 days | $441.89 Million | $6.95 Million/day | $- | $434.59 Million | ▼ -25 days |
| 2012 | 89 days | $648.71 Million | $7.29 Million/day | $- | $640.21 Million | ▲ +10 days |
| 2011 | 79 days | $602.38 Million | $7.65 Million/day | $- | $593.18 Million | ▲ +6 days |
| 2010 | 73 days | $457.30 Million | $6.30 Million/day | $- | $361.55 Million | ▲ +16 days |
| 2009 | 56 days | $300.58 Million | $5.32 Million/day | $- | $282.46 Million | ▲ +35 days |
| 2008 | 21 days | $103.99 Million | $4.92 Million/day | $- | $96.43 Million | ▲ +2 days |
| 2007 | 20 days | $85.72 Million | $4.38 Million/day | $- | $77.38 Million | ▼ -13 days |
| 2006 | 33 days | $119.20 Million | $3.64 Million/day | $- | $111.21 Million | ▲ +10 days |
| 2005 | 23 days | $70.39 Million | $3.09 Million/day | $- | $64.79 Million | ▲ +21 days |
| 2004 | 2 days | $4.39 Million | $2.63 Million/day | $- | $156.00K | ▲ +0 days |
| 2003 | 2 days | $3.50 Million | $2.24 Million/day | $- | $217.00K | ▼ -16 days |
| 2002 | 18 days | $36.89 Million | $2.06 Million/day | $- | $33.43 Million | ▼ -10 days |
| 2001 | 28 days | $55.20 Million | $2.01 Million/day | $- | $52.06 Million | ▼ -8 days |
| 2000 | 36 days | $62.57 Million | $1.74 Million/day | $- | $58.31 Million | ▲ +33 days |
| 1999 | 2 days | $3.56 Million | $1.49 Million/day | $- | $- | ▲ +1 days |
| 1998 | 2 days | $1.65 Million | $929.26K/day | $- | $- | ▼ 0 days |
| 1997 | 2 days | $1.45 Million | $724.11K/day | $- | $- | ▼ 0 days |
| 1996 | 2 days | $935.86K | $462.91K/day | $- | $- | — |