First BanCorp. (FBP) — Defensive Interval Ratio
First BanCorp. (FBP) has a Defensive Interval Ratio of 6430 days as of December 2025. Defensive assets of $1.90 Billion (cash $-, short-term investments $1.82 Billion, receivables $71.35 Million) cover 6430 days of daily cash needs of $294.83K/day. See FBP net 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
First BanCorp. Defensive Interval Ratio (1990–2025)
This chart shows how First BanCorp.'s Defensive Interval Ratio has evolved across 36 annual periods from 1990 to 2025. As of December 2025, the ratio stands at 6430 days, meaning defensive assets of $1.90 Billion can fund 6430 days of operations without new revenue. See FBP equity to assets ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for First BanCorp. (1990–2025)
The table below presents the year-by-year Defensive Interval Ratio for First BanCorp. from 1990 to 2025, covering 36 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 market cap of First BanCorp..
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 6430 days | $1.90 Billion | $294.83K/day | $- | $1.82 Billion | ▲ +6330 days |
| 2024 | 100 days | $4.64 Billion | $46.22 Million/day | $- | $4.57 Billion | ▼ -17 days |
| 2023 | 117 days | $5.31 Billion | $45.36 Million/day | $- | $5.23 Billion | ▼ -4 days |
| 2022 | 121 days | $5.59 Billion | $46.37 Million/day | $- | $5.52 Billion | ▼ -11929 days |
| 2021 | 12049 days | $7.09 Billion | $588.64K/day | $- | $6.46 Billion | ▲ +11947 days |
| 2020 | 102 days | $4.44 Billion | $43.55 Million/day | $- | $4.37 Billion | ▲ +21 days |
| 2019 | 81 days | $2.14 Billion | $26.38 Million/day | $- | $2.09 Billion | ▼ -3 days |
| 2018 | 85 days | $2.15 Billion | $25.41 Million/day | $- | $1.77 Billion | ▲ +13 days |
| 2017 | 72 days | $1.86 Billion | $25.94 Million/day | $- | $1.55 Billion | ▲ +2 days |
| 2016 | 69 days | $1.83 Billion | $26.36 Million/day | $- | $1.55 Billion | ▲ +13 days |
| 2015 | 56 days | $1.59 Billion | $28.21 Million/day | $- | $1.31 Billion | ▼ -6386 days |
| 2014 | 6442 days | $2.03 Billion | $315.58K/day | $- | $1.98 Billion | ▲ +6394 days |
| 2013 | 48 days | $1.44 Billion | $29.89 Million/day | $- | $1.14 Billion | ▲ +10 days |
| 2012 | 38 days | $1.17 Billion | $30.36 Million/day | $- | $876.44 Million | ▼ -4 days |
| 2011 | 42 days | $1.29 Billion | $30.37 Million/day | $- | $992.11 Million | ▲ +38 days |
| 2010 | 4 days | $167.04 Million | $37.39 Million/day | $- | $107.98 Million | ▲ +2 days |
| 2009 | 2 days | $102.41 Million | $46.08 Million/day | $- | $22.55 Million | ▼ 0 days |
| 2008 | 3 days | $119.50 Million | $45.62 Million/day | $- | $20.93 Million | ▼ -13 days |
| 2007 | 15 days | $604.99 Million | $39.43 Million/day | $- | $497.01 Million | ▼ -4178 days |
| 2006 | 4193 days | $203.44 Billion | $48.51 Million/day | $- | $203.33 Billion | ▲ +4167 days |
| 2005 | 26 days | $1.33 Billion | $50.80 Million/day | $- | $1.22 Billion | ▲ +1 days |
| 2004 | 26 days | $877.26 Million | $34.34 Million/day | $- | $820.16 Million | ▼ -7 days |
| 2003 | 33 days | $1.01 Billion | $31.04 Million/day | $- | $970.94 Million | ▲ +19 days |
| 2002 | 13 days | $312.94 Million | $23.70 Million/day | $- | $273.66 Million | ▲ +10 days |
| 2001 | 4 days | $72.20 Million | $20.58 Million/day | $- | $34.56 Million | ▲ +1 days |
| 2000 | 2 days | $29.99 Million | $14.44 Million/day | $- | $2.02 Million | ▲ +1 days |
| 1999 | 2 days | $17.92 Million | $11.42 Million/day | $- | $- | ▲ +0 days |
| 1998 | 1 days | $10.70 Million | $9.55 Million/day | $- | $- | ▼ -1 days |
| 1997 | 2 days | $13.00 Million | $7.66 Million/day | $- | $- | ▲ +0 days |
| 1996 | 1 days | $9.20 Million | $6.32 Million/day | $- | $- | ▼ -1 days |
| 1995 | 2 days | $12.80 Million | $5.40 Million/day | $- | $- | ▲ +0 days |
| 1994 | 2 days | $10.80 Million | $5.21 Million/day | $- | $- | ▲ +0 days |
| 1993 | 2 days | $9.20 Million | $4.65 Million/day | $- | $- | ▼ -1 days |
| 1992 | 3 days | $13.10 Million | $4.41 Million/day | $- | $- | ▼ 0 days |
| 1991 | 3 days | $14.70 Million | $4.34 Million/day | $- | $- | ▼ -1 days |
| 1990 | 5 days | $20.00 Million | $4.24 Million/day | $- | $- | — |