Funding Circle Holdings PLC - Asset Resilience Ratio

Latest as of June 2026: 48.61%

Funding Circle Holdings PLC (FCH) has an Asset Resilience Ratio of 48.61% as of June 2026. 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. See FCH working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

GBX258.10 Million

≈ $31.40K USD Cash + Short-term Investments

Total Assets

GBX531.00 Million

≈ $64.61K 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. For the complete balance sheet picture, see FCH asset base.

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. Explore FCH long-term investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	GBX0.00	0%
Short-term Investments	GBX258.10 Million	48.61%
Total Liquid Assets	GBX258.10 Million	48.61%

Asset Resilience Insights

Very High Liquidity: Funding Circle Holdings PLC maintains exceptional liquid asset reserves at 48.61% 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
Oportun Financial Corp NASDAQ:OPRT	Credit Services	0.00%
Gentera S.A.B. de C.V MX:GENTERA	Credit Services	0.95%
Krungthai Card Public Company Limited BK:KTC-R	Credit Services	0.00%
Peninsula Group Ltd TA:PEN	Credit Services	1.01%
OppFi Inc NYSE:OPFI	Credit Services	6.56%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
Blender Financial Technologies Ltd TA:BLND	Credit Services	1.42%
ZIP Co Ltd AU:ZIP	Credit Services	0.13%

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

$6.43 Million

GBX52.88 Billion GBX

Market Cap Rank

#28172 Global

#424 in UK

Share Price

GBX186.80

Change (1 day)

+0.43%

52-Week Range

GBX115.00 - GBX245.50

All Time High

GBX440.00