Ponce Financial Group Inc (PDLB) — Defensive Interval Ratio
Ponce Financial Group Inc (PDLB) has a Defensive Interval Ratio of 45 days as of June 2026. Defensive assets of $358.58 Million (cash $-, short-term investments $338.64 Million, receivables $19.94 Million) cover 45 days of daily cash needs of $7.94 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Ponce Financial Group Inc Defensive Interval Ratio (2015–2025)
This chart shows how Ponce Financial Group Inc's Defensive Interval Ratio has evolved across 11 annual periods from 2015 to 2025. As of June 2026, the ratio stands at 45 days, meaning defensive assets of $358.58 Million can fund 45 days of operations without new revenue. For the complete balance sheet picture, see PDLB total asset value.
Annual Defensive Interval Ratio for Ponce Financial Group Inc (2015–2025)
The table below presents the year-by-year Defensive Interval Ratio for Ponce Financial Group Inc from 2015 to 2025, covering 11 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 Ponce Financial Group Inc working capital to net assets 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) |
|---|---|---|---|---|---|---|
| 2025 | 20 days | $110.10 Million | $5.62 Million/day | $- | $92.20 Million | ▼ -4 days |
| 2024 | 24 days | $122.74 Million | $5.17 Million/day | $- | $104.97 Million | ▼ -9 days |
| 2023 | 33 days | $137.91 Million | $4.16 Million/day | $- | $119.90 Million | ▼ -9 days |
| 2022 | 42 days | $144.55 Million | $3.44 Million/day | $- | $129.50 Million | ▲ +4 days |
| 2021 | 38 days | $125.71 Million | $3.34 Million/day | $- | $113.35 Million | ▲ +28 days |
| 2020 | 9 days | $28.89 Million | $3.15 Million/day | $- | $17.50 Million | ▼ -3 days |
| 2019 | 12 days | $25.49 Million | $2.17 Million/day | $- | $21.50 Million | ▼ -2 days |
| 2018 | 14 days | $30.94 Million | $2.29 Million/day | $- | $27.14 Million | ▼ -3 days |
| 2017 | 16 days | $32.23 Million | $2.01 Million/day | $- | $28.90 Million | ▼ -15 days |
| 2016 | 31 days | $55.40 Million | $1.77 Million/day | $- | $52.69 Million | ▼ -20 days |
| 2015 | 52 days | $84.70 Million | $1.64 Million/day | $- | $82.03 Million | — |