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

≈ $35.84K USD Cash + Short-term Investments

Total Assets

GBX535.90 Million

≈ $65.20K USD 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. Check FCH strategic asset allocation to assess the company's strategic physical and investment asset allocation.

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. For market capitalisation and broader financial context, see FCH stock market capitalisation.

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
Liberty Financial Group AU:LFG	Credit Services	4.96%
Industrial Investment Trust Limited NSE:IITL	Credit Services	10.46%
Wisr Ltd AU:WZR	Credit Services	0.02%
Investment Friends Capital SE WAR:IFC	Credit Services	99.92%
KRUNGTHAI CARD FGN BA 1 F:KRTA	Credit Services	0.00%
ZIP Co Ltd AU:ZIP	Credit Services	0.13%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
Credit Corp Group Ltd AU:CCP	Credit Services	4.06%

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 ≈ $35.84K	GBX535.90 Million ≈ $65.20K	+54.78pp
2024-12-31	0.20%	GBX700.00K ≈ $85.17	GBX358.00 Million ≈ $43.56K	-18.19pp
2023-12-31	18.38%	GBX68.60 Million ≈ $8.35K	GBX373.20 Million ≈ $45.41K	-3.78pp
2022-12-31	22.16%	GBX85.10 Million ≈ $10.35K	GBX384.00 Million ≈ $46.72K	-4.86pp
2021-12-31	27.02%	GBX152.90 Million ≈ $18.60K	GBX565.90 Million ≈ $68.85K	-40.21pp
2020-12-31	67.23%	GBX525.90 Million ≈ $63.99K	GBX782.20 Million ≈ $95.17K	-3.95pp
2019-12-31	71.18%	GBX708.60 Million ≈ $86.22K	GBX995.50 Million ≈ $121.12K	+70.09pp
2018-12-31	1.09%	GBX4.70 Million ≈ $571.85	GBX430.10 Million ≈ $52.33K	-0.75pp
2017-12-31	1.85%	GBX3.10 Million ≈ $377.18	GBX167.90 Million ≈ $20.43K	+0.72pp
2016-12-31	1.12%	GBX1.30 Million ≈ $158.17	GBX115.80 Million ≈ $14.09K	-2.05pp
2015-12-31	3.17%	GBX4.60 Million ≈ $559.69	GBX145.20 Million ≈ $17.67K	+0.65pp
2014-12-31	2.51%	GBX1.34 Million ≈ $163.40	GBX53.44 Million ≈ $6.50K	--

pp = percentage points

About Funding Circle Holdings PLC

LSE:FCH UK Credit Services

Market Cap

$7.79 Million

GBX64.05 Billion GBX

Market Cap Rank

#27640 Global

#397 in UK

Share Price

GBX226.00

Change (1 day)

+2.49%

52-Week Range

GBX115.00 - GBX230.50

All Time High

GBX440.00