Swiss Life Holding AG (SLHN) — Defensive Interval Ratio

Latest as of December 2025: 125 days

Swiss Life Holding AG (SLHN) has a Defensive Interval Ratio of 125 days as of December 2025. Defensive assets of CHF56.60 Billion (cash CHF5.27 Billion, short-term investments CHF49.28 Billion, receivables CHF2.05 Billion) cover 125 days of daily cash needs of CHF452.69 Million/day.

Defensive Interval Ratio

125 days
Days of operational coverage

Defensive Assets

CHF56.60 Billion
Cash + ST Investments + Receivables

Daily Cash Need

CHF452.69 Million
Current Liabilities ÷ 365

Current Liabilities

CHF165.23 Billion
CHF

Swiss Life Holding AG Defensive Interval Ratio (2008–2025)

This chart shows how Swiss Life Holding AG's Defensive Interval Ratio has evolved across 17 annual periods from 2008 to 2025. As of December 2025, the ratio stands at 125 days, meaning defensive assets of CHF56.60 Billion can fund 125 days of operations without new revenue. For the complete balance sheet picture, see Swiss Life Holding AG asset portfolio.

Annual Defensive Interval Ratio for Swiss Life Holding AG (2008–2025)

The table below presents the year-by-year Defensive Interval Ratio for Swiss Life Holding AG from 2008 to 2025, covering 17 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 Swiss Life Holding AG working capital to net assets to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (CHF) Daily Cash Need Cash ST Investments Change (days)
2025 124 days CHF56.60 Billion CHF455.79 Million/day CHF5.27 Billion CHF49.28 Billion ▼ -1089 days
2024 1213 days CHF62.06 Billion CHF51.16 Million/day CHF5.05 Billion CHF54.40 Billion ▲ +1256 days
2023 -43 days CHF-1.26 Billion CHF29.04 Million/day CHF5.89 Billion CHF59.12 Billion ▼ -1258 days
2022 1214 days CHF75.41 Billion CHF62.11 Million/day CHF6.17 Billion CHF76.73 Billion ▲ +137 days
2021 1077 days CHF100.36 Billion CHF93.20 Million/day CHF6.37 Billion CHF101.47 Billion ▼ -19 days
2020 1095 days CHF105.44 Billion CHF96.26 Million/day CHF5.20 Billion CHF108.44 Billion ▼ -152 days
2019 1248 days CHF104.88 Billion CHF84.07 Million/day CHF5.30 Billion CHF108.39 Billion ▼ -35755 days
2018 37003 days CHF92.05 Billion CHF2.49 Million/day CHF5.59 Billion CHF100.44 Billion ▼ -11766 days
2017 48769 days CHF96.60 Billion CHF1.98 Million/day CHF3.78 Billion CHF104.92 Billion ▼ -375 days
2016 49144 days CHF91.96 Billion CHF1.87 Million/day CHF4.84 Billion CHF100.26 Billion ▼ -4267 days
2015 53411 days CHF85.75 Billion CHF1.61 Million/day CHF- CHF96.03 Billion ▼ -9026 days
2014 62437 days CHF97.16 Billion CHF1.56 Million/day CHF- CHF97.16 Billion ▲ +7023 days
2013 55414 days CHF81.07 Billion CHF1.46 Million/day CHF- CHF81.07 Billion ▲ +53845 days
2012 1569 days CHF81.18 Billion CHF51.73 Million/day CHF- CHF81.18 Billion ▲ +1281 days
2010 288 days CHF2.96 Billion CHF10.29 Million/day CHF- CHF2.96 Billion ▲ +207 days
2009 82 days CHF790.00 Million CHF9.68 Million/day CHF- CHF790.00 Million ▼ -167 days
2008 249 days CHF1.35 Billion CHF5.42 Million/day CHF- CHF1.35 Billion —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)