Funding Circle Holdings PLC - Asset Resilience Ratio

Latest as of December 2025: 54.97%

Funding Circle Holdings PLC (FCH) has an Asset Resilience Ratio of 54.97% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets

GBX294.60 Million

Cash + Short-term Investments

Total Assets

GBX535.90 Million

All company assets

Resilience Assessment

Very High

Financial Resilience Level

Asset Resilience Ratio Trend (2014–2025)

This chart shows how Funding Circle Holdings PLC's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.

Liquid Assets Composition Over Time

This chart breaks down Funding Circle Holdings PLC's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	GBX0.00	0%
Short-term Investments	GBX294.60 Million	54.97%
Total Liquid Assets	GBX294.60 Million	54.97%

Asset Resilience Insights

Very High Liquidity: Funding Circle Holdings PLC maintains exceptional liquid asset reserves at 54.97% of total assets.
This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
The company has significant short-term investments, indicating active treasury management.

Funding Circle Holdings PLC Industry Peers by Asset Resilience Ratio

Compare Funding Circle Holdings PLC's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Samsung Card Co. Ltd. KO:029780	Credit Services	0.18%
Yiren Digital Ltd F:19YA	Credit Services	3.32%
Aeon Credit Service Bhd KLSE:5139	Credit Services	0.25%
ELK-Desa Resources Bhd KLSE:5228	Credit Services	2.82%
Chailease Holding Co Ltd TW:5871	Credit Services	6.79%
MITSUBISHI HC CAPITAL INC F:5B4	Credit Services	0.02%

Annual Asset Resilience Ratio for Funding Circle Holdings PLC (2014–2025)

The table below shows the annual Asset Resilience Ratio data for Funding Circle Holdings PLC.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	54.97%	GBX294.60 Million	GBX535.90 Million	+54.78pp
2024-12-31	0.20%	GBX700.00K	GBX358.00 Million	-18.19pp
2023-12-31	18.38%	GBX68.60 Million	GBX373.20 Million	-3.78pp
2022-12-31	22.16%	GBX85.10 Million	GBX384.00 Million	-4.86pp
2021-12-31	27.02%	GBX152.90 Million	GBX565.90 Million	-40.21pp
2020-12-31	67.23%	GBX525.90 Million	GBX782.20 Million	-3.95pp
2019-12-31	71.18%	GBX708.60 Million	GBX995.50 Million	+70.09pp
2018-12-31	1.09%	GBX4.70 Million	GBX430.10 Million	-0.75pp
2017-12-31	1.85%	GBX3.10 Million	GBX167.90 Million	+0.72pp
2016-12-31	1.12%	GBX1.30 Million	GBX115.80 Million	-2.05pp
2015-12-31	3.17%	GBX4.60 Million	GBX145.20 Million	+0.65pp
2014-12-31	2.51%	GBX1.34 Million	GBX53.44 Million	--

pp = percentage points

About Funding Circle Holdings PLC

LSE:FCH UK Credit Services

Market Cap

$5.45 Million

GBX44.80 Billion GBX

Market Cap Rank

#31931 Global

#693 in UK

Share Price

GBX156.00

Change (1 day)

+2.63%

52-Week Range

GBX101.60 - GBX176.80

All Time High

GBX440.00