St Galler Kantonalbank AG (SGKN) — Defensive Interval Ratio

Latest as of December 2025: 0 days

St Galler Kantonalbank AG (SGKN) has a Defensive Interval Ratio of 0 days as of December 2025. Defensive assets of CHF29.97 Million (cash CHF-, short-term investments CHF29.97 Million, receivables CHF-) cover 0 days of daily cash needs of CHF89.03 Million/day. See SGKN net working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

0 days
Days of operational coverage

Defensive Assets

CHF29.97 Million
Cash + ST Investments + Receivables

Daily Cash Need

CHF89.03 Million
Current Liabilities ÷ 365

Current Liabilities

CHF32.49 Billion
CHF

St Galler Kantonalbank AG Defensive Interval Ratio (2013–2025)

This chart shows how St Galler Kantonalbank AG's Defensive Interval Ratio has evolved across 13 annual periods from 2013 to 2025. As of December 2025, the ratio stands at 0 days, meaning defensive assets of CHF29.97 Million can fund 0 days of operations without new revenue. See SGKN net asset quality index to measure how much of total assets are equity-financed.

Annual Defensive Interval Ratio for St Galler Kantonalbank AG (2013–2025)

The table below presents the year-by-year Defensive Interval Ratio for St Galler Kantonalbank AG from 2013 to 2025, covering 13 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 St Galler Kantonalbank AG stock valuation.

Year DIR (days) Defensive Assets (CHF) Daily Cash Need Cash ST Investments Change (days)
2025 0 days CHF29.97 Million CHF89.03 Million/day CHF- CHF29.97 Million ▼ 0 days
2024 1 days CHF61.40 Million CHF89.21 Million/day CHF- CHF- ▲ +215 days
2023 -214 days CHF-1.89 Billion CHF8.85 Million/day CHF- CHF-1.95 Billion ▼ -218 days
2022 4 days CHF42.92 Million CHF11.89 Million/day CHF- CHF- ▲ +0 days
2021 4 days CHF48.44 Million CHF13.46 Million/day CHF- CHF- ▲ +1 days
2020 3 days CHF38.39 Million CHF12.67 Million/day CHF- CHF- ▼ -3 days
2019 6 days CHF54.40 Million CHF8.61 Million/day CHF- CHF- ▼ -8 days
2018 14 days CHF47.37 Million CHF3.41 Million/day CHF- CHF- ▲ +4 days
2017 10 days CHF54.99 Million CHF5.40 Million/day CHF- CHF- ▲ +2 days
2016 9 days CHF52.50 Million CHF6.12 Million/day CHF- CHF- ▼ -3 days
2015 12 days CHF63.64 Million CHF5.51 Million/day CHF- CHF- ▼ -279 days
2014 290 days CHF99.62 Million CHF343.06K/day CHF- CHF- ▼ -2797 days
2013 3087 days CHF1.71 Billion CHF554.60K/day CHF- CHF1.60 Billion —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)