Finwise Bancorp (FINW) — Defensive Interval Ratio
Finwise Bancorp (FINW) has a Defensive Interval Ratio of 2436 days as of December 2025. Defensive assets of $35.01 Million (cash $-, short-term investments $27.75 Million, receivables $7.25 Million) cover 2436 days of daily cash needs of $14.37K/day. Check FINW intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Finwise Bancorp Defensive Interval Ratio (2019–2025)
This chart shows how Finwise Bancorp's Defensive Interval Ratio has evolved across 7 annual periods from 2019 to 2025. As of December 2025, the ratio stands at 2436 days, meaning defensive assets of $35.01 Million can fund 2436 days of operations without new revenue. Also explore FINW net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Finwise Bancorp (2019–2025)
The table below presents the year-by-year Defensive Interval Ratio for Finwise Bancorp from 2019 to 2025, covering 7 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 FINW stock market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2436 days | $35.01 Million | $14.37K/day | $- | $27.75 Million | ▲ +2379 days |
| 2024 | 57 days | $85.69 Million | $1.50 Million/day | $- | $3.10 Million | ▼ -116 days |
| 2023 | 173 days | $193.01 Million | $1.12 Million/day | $- | $148.93 Million | ▲ +149 days |
| 2022 | 24 days | $15.87 Million | $665.90K/day | $- | $4.80 Million | ▲ +5 days |
| 2021 | 19 days | $12.97 Million | $690.88K/day | $- | $11.42 Million | ▲ +15 days |
| 2020 | 4 days | $1.63 Million | $453.10K/day | $- | $- | ▲ +1 days |
| 2019 | 2 days | $943.00K | $389.74K/day | $- | $- | — |