SEB SA (SK) — Defensive Interval Ratio

Latest as of June 2026: 122 days

SEB SA (SK) has a Defensive Interval Ratio of 122 days as of June 2026. Defensive assets of €1.16 Billion (cash €-, short-term investments €59.00 Million, receivables €1.10 Billion) cover 122 days of daily cash needs of €9.46 Million/day.

Defensive Interval Ratio

122 days
Days of operational coverage

Defensive Assets

€1.16 Billion
Cash + ST Investments + Receivables

Daily Cash Need

€9.46 Million
Current Liabilities ÷ 365

Current Liabilities

€3.45 Billion
EUR

SEB SA Defensive Interval Ratio (2004–2025)

This chart shows how SEB SA's Defensive Interval Ratio has evolved across 22 annual periods from 2004 to 2025. As of June 2026, the ratio stands at 122 days, meaning defensive assets of €1.16 Billion can fund 122 days of operations without new revenue. For the complete balance sheet picture, see SEB SA total assets.

Annual Defensive Interval Ratio for SEB SA (2004–2025)

The table below presents the year-by-year Defensive Interval Ratio for SEB SA from 2004 to 2025, covering 22 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 SEB SA (SK) working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (EUR) Daily Cash Need Cash ST Investments Change (days)
2025 169 days €1.55 Billion €9.18 Million/day €- €123.80 Million ▲ +20 days
2024 149 days €1.43 Billion €9.58 Million/day €- €126.80 Million ▲ +15 days
2023 134 days €1.26 Billion €9.37 Million/day €- €94.70 Million ▲ +4 days
2022 130 days €1.15 Billion €8.89 Million/day €- €102.00 Million ▲ +25 days
2021 105 days €1.15 Billion €10.96 Million/day €- €60.60 Million ▼ -72 days
2020 177 days €1.77 Billion €9.96 Million/day €- €664.70 Million ▼ -12 days
2019 190 days €1.17 Billion €6.17 Million/day €- €10.20 Million ▼ -48 days
2018 237 days €1.49 Billion €6.27 Million/day €- €260.70 Million ▲ +14 days
2017 223 days €1.23 Billion €5.53 Million/day €- €216.80 Million ▲ +21 days
2016 202 days €1.41 Billion €6.98 Million/day €- €204.60 Million ▼ -65 days
2015 267 days €1.26 Billion €4.71 Million/day €- €244.50 Million ▼ -27 days
2014 294 days €1.11 Billion €3.76 Million/day €- €172.50 Million ▼ -6 days
2013 300 days €885.90 Million €2.95 Million/day €- €2.80 Million ▼ -52 days
2012 352 days €1.10 Billion €3.12 Million/day €- €145.10 Million ▲ +72 days
2011 280 days €945.90 Million €3.37 Million/day €- €-300.00K ▼ -7 days
2010 288 days €807.60 Million €2.81 Million/day €- €-2.50 Million ▲ +28 days
2009 260 days €681.40 Million €2.62 Million/day €- €- ▲ +61 days
2008 199 days €730.40 Million €3.67 Million/day €- €- ▲ +14 days
2007 185 days €685.20 Million €3.70 Million/day €- €- ▼ -71 days
2006 256 days €729.20 Million €2.85 Million/day €- €- ▼ -22 days
2005 277 days €709.50 Million €2.56 Million/day €- €- ▲ +34 days
2004 244 days €596.00 Million €2.45 Million/day €- €- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)