PBS Finanse SA (PBF) — Defensive Interval Ratio

Latest as of March 2026: 451 days

PBS Finanse SA (PBF) has a Defensive Interval Ratio of 451 days as of March 2026. Defensive assets of zł1.73 Million (cash zł-, short-term investments zł694.00K, receivables zł1.03 Million) cover 451 days of daily cash needs of zł3.83K/day.

Defensive Interval Ratio

451 days
Days of operational coverage

Defensive Assets

zł1.73 Million
Cash + ST Investments + Receivables

Daily Cash Need

zł3.83K
Current Liabilities ÷ 365

Current Liabilities

zł1.40 Million
PLN

PBS Finanse SA Defensive Interval Ratio (2008–2025)

This chart shows how PBS Finanse SA's Defensive Interval Ratio has evolved across 18 annual periods from 2008 to 2025. As of March 2026, the ratio stands at 451 days, meaning defensive assets of zł1.73 Million can fund 451 days of operations without new revenue. For the complete balance sheet picture, see total assets of PBS Finanse SA.

Annual Defensive Interval Ratio for PBS Finanse SA (2008–2025)

The table below presents the year-by-year Defensive Interval Ratio for PBS Finanse SA from 2008 to 2025, covering 18 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 PBF working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (PLN) Daily Cash Need Cash ST Investments Change (days)
2025 706 days zł2.52 Million zł3.58K/day zł- zł742.00K ▲ +168 days
2024 538 days zł3.17 Million zł5.88K/day zł- zł2.12 Million ▲ +179 days
2023 359 days zł3.05 Million zł8.50K/day zł- zł1.96 Million ▼ -195 days
2022 554 days zł2.51 Million zł4.53K/day zł- zł1.31 Million ▼ -128 days
2021 682 days zł2.92 Million zł4.28K/day zł- zł1.76 Million ▼ -17 days
2020 699 days zł3.17 Million zł4.53K/day zł- zł2.00 Million ▼ -710 days
2019 1410 days zł5.26 Million zł3.73K/day zł- zł4.26 Million ▲ +671 days
2018 739 days zł3.72 Million zł5.04K/day zł- zł1.74 Million ▲ +147 days
2017 591 days zł5.33 Million zł9.01K/day zł- zł2.71 Million ▼ -502 days
2016 1093 days zł11.96 Million zł10.95K/day zł- zł2.92 Million ▲ +341 days
2015 753 days zł7.40 Million zł9.84K/day zł- zł2.69 Million ▼ -138 days
2014 890 days zł6.63 Million zł7.45K/day zł- zł2.00 Million ▲ +90 days
2013 800 days zł5.16 Million zł6.45K/day zł- zł2.04 Million ▼ -128 days
2012 928 days zł4.86 Million zł5.23K/day zł- zł2.16 Million ▲ +111 days
2011 817 days zł4.31 Million zł5.28K/day zł- zł2.16 Million ▼ -165 days
2010 982 days zł4.76 Million zł4.84K/day zł- zł3.47 Million ▲ +945 days
2009 37 days zł3.70 Million zł99.90K/day zł- zł2.56 Million ▼ -83 days
2008 120 days zł24.89 Million zł206.92K/day zł- zł4.75 Million —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)