PBS Finanse SA (PBF) — Defensive Interval Ratio

Latest as of December 2025: 427 days

PBS Finanse SA (PBF) has a Defensive Interval Ratio of 427 days as of December 2025. Defensive assets of zł1.53 Million (cash zł-, short-term investments zł742.00K, receivables zł785.00K) cover 427 days of daily cash needs of zł3.58K/day. See PBS Finanse SA current assets vs equity to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

427 days
Days of operational coverage

Defensive Assets

zł1.53 Million
Cash + ST Investments + Receivables

Daily Cash Need

zł3.58K
Current Liabilities ÷ 365

Current Liabilities

zł1.30 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 December 2025, the ratio stands at 427 days, meaning defensive assets of zł1.53 Million can fund 427 days of operations without new revenue. See PBF net asset quality score to measure how much of total assets are equity-financed.

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. For live market cap and the full company financial profile, see PBS Finanse SA stock valuation.

Year DIR (days) Defensive Assets (PLN) Daily Cash Need Cash ST Investments Change (days)
2025 427 days zł1.53 Million zł3.58K/day zł- zł742.00K ▼ -111 days
2024 538 days zł3.17 Million zł5.88K/day zł- zł2.12 Million ▲ +180 days
2023 358 days zł3.04 Million zł8.50K/day zł- zł1.96 Million ▼ -195 days
2022 553 days zł2.50 Million zł4.53K/day zł- zł1.31 Million ▼ -124 days
2021 678 days zł2.90 Million zł4.28K/day zł- zł1.76 Million ▼ -15 days
2020 693 days zł3.14 Million zł4.53K/day zł- zł2.00 Million ▼ -713 days
2019 1406 days zł5.25 Million zł3.73K/day zł- zł4.26 Million ▲ +668 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 ▼ -156 days
2016 747 days zł8.18 Million zł10.95K/day zł- zł2.92 Million ▲ +1 days
2015 746 days zł7.34 Million zł9.84K/day zł- zł2.69 Million ▲ +478 days
2014 268 days zł2.00 Million zł7.45K/day zł- zł2.00 Million ▼ -520 days
2013 788 days zł5.08 Million zł6.45K/day zł- zł2.04 Million ▼ -129 days
2012 917 days zł4.80 Million zł5.23K/day zł- zł2.16 Million ▲ +516 days
2011 401 days zł2.12 Million zł5.28K/day zł- zł- ▼ -581 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)