Union Insurance Co Ltd (2816) — Defensive Interval Ratio

Latest as of December 2025: 101 days

Union Insurance Co Ltd (2816) has a Defensive Interval Ratio of 101 days as of December 2025. Defensive assets of NT$4.76 Billion (cash NT$-, short-term investments NT$2.82 Billion, receivables NT$1.94 Billion) cover 101 days of daily cash needs of NT$47.30 Million/day.

Defensive Interval Ratio

101 days
Days of operational coverage

Defensive Assets

NT$4.76 Billion
Cash + ST Investments + Receivables

Daily Cash Need

NT$47.30 Million
Current Liabilities ÷ 365

Current Liabilities

NT$17.26 Billion
TWD

Union Insurance Co Ltd Defensive Interval Ratio (2012–2025)

This chart shows how Union Insurance Co Ltd's Defensive Interval Ratio has evolved across 14 annual periods from 2012 to 2025. As of December 2025, the ratio stands at 101 days, meaning defensive assets of NT$4.76 Billion can fund 101 days of operations without new revenue. For the complete balance sheet picture, see Union Insurance Co Ltd assets under control.

Annual Defensive Interval Ratio for Union Insurance Co Ltd (2012–2025)

The table below presents the year-by-year Defensive Interval Ratio for Union Insurance Co Ltd from 2012 to 2025, covering 14 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 2816 working capital efficiency to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (TWD) Daily Cash Need Cash ST Investments Change (days)
2025 101 days NT$4.76 Billion NT$47.30 Million/day NT$- NT$2.82 Billion ▼ -141 days
2024 242 days NT$3.53 Billion NT$14.58 Million/day NT$- NT$2.88 Billion ▲ +25 days
2023 217 days NT$2.91 Billion NT$13.42 Million/day NT$- NT$2.35 Billion ▼ -645 days
2022 862 days NT$2.76 Billion NT$3.20 Million/day NT$- NT$2.14 Billion ▲ +47 days
2021 814 days NT$2.76 Billion NT$3.39 Million/day NT$- NT$2.08 Billion ▼ -64 days
2020 878 days NT$3.02 Billion NT$3.44 Million/day NT$- NT$2.36 Billion ▲ +105 days
2019 773 days NT$2.72 Billion NT$3.52 Million/day NT$- NT$1.86 Billion ▲ +212 days
2018 562 days NT$1.88 Billion NT$3.36 Million/day NT$- NT$987.12 Million ▼ -52 days
2017 613 days NT$2.14 Billion NT$3.48 Million/day NT$- NT$1.40 Billion ▲ +8 days
2016 605 days NT$1.98 Billion NT$3.28 Million/day NT$- NT$1.31 Billion ▲ +203 days
2015 402 days NT$1.29 Billion NT$3.22 Million/day NT$- NT$512.12 Million ▼ -408 days
2014 810 days NT$2.27 Billion NT$2.81 Million/day NT$- NT$1.51 Billion ▲ +4 days
2013 806 days NT$2.16 Billion NT$2.68 Million/day NT$- NT$1.35 Billion ▲ +568 days
2012 238 days NT$606.26 Million NT$2.55 Million/day NT$- NT$606.26 Million —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)