360 Finance Inc (QFIN) — Defensive Interval Ratio
360 Finance Inc (QFIN) has a Defensive Interval Ratio of 28 days as of March 2026. Defensive assets of $1.60 Billion (cash $-, short-term investments $879.29 Million, receivables $723.64 Million) cover 28 days of daily cash needs of $58.16 Million/day. See QFIN working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
360 Finance Inc Defensive Interval Ratio (2016–2025)
This chart shows how 360 Finance Inc's Defensive Interval Ratio has evolved across 10 annual periods from 2016 to 2025. As of March 2026, the ratio stands at 28 days, meaning defensive assets of $1.60 Billion can fund 28 days of operations without new revenue. See QFIN net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for 360 Finance Inc (2016–2025)
The table below presents the year-by-year Defensive Interval Ratio for 360 Finance 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 QFIN company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 56 days | $3.82 Billion | $68.53 Million/day | $- | $2.85 Billion | ▼ -57 days |
| 2024 | 113 days | $5.64 Billion | $49.82 Million/day | $- | $3.39 Billion | ▲ +43 days |
| 2023 | 70 days | $3.07 Billion | $43.99 Million/day | $- | $15.00 Million | ▼ -16 days |
| 2022 | 85 days | $3.19 Billion | $37.30 Million/day | $- | $57.00 Million | ▼ -36 days |
| 2021 | 121 days | $3.32 Billion | $27.38 Million/day | $- | $0.00 | ▼ -4646 days |
| 2020 | 4767 days | $7.33 Billion | $1.54 Million/day | $- | $- | ▲ +1356 days |
| 2019 | 3411 days | $4.97 Billion | $1.46 Million/day | $- | $0.00 | ▼ -578 days |
| 2018 | 3988 days | $3.61 Billion | $905.69K/day | $- | $0.00 | ▼ -3140 days |
| 2017 | 7128 days | $834.92 Million | $117.13K/day | $- | $0.00 | ▲ +4075 days |
| 2016 | 3053 days | $68.17 Million | $22.33K/day | $- | $0.00 | — |