PBS Finanse SA - Asset Resilience Ratio
PBS Finanse SA (PBF) has an Asset Resilience Ratio of 11.76% as of September 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. Read how much debt does PBS Finanse SA carry for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2008–2024)
This chart shows how PBS Finanse SA's Asset Resilience Ratio has changed over time. See PBF total equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down PBS Finanse SA'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 PBS Finanse SA stock valuation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | zł0.00 | 0% |
| Short-term Investments | zł1.17 Million | 11.76% |
| Total Liquid Assets | zł1.17 Million | 11.76% |
Asset Resilience Insights
- Moderate Liquidity: PBS Finanse SA has 11.76% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
PBS Finanse SA Industry Peers by Asset Resilience Ratio
Compare PBS Finanse SA's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
Peninsula Group Ltd
TA:PEN |
Credit Services | 1.01% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Wisr Ltd
AU:WZR |
Credit Services | 0.02% |
|
Intan Baruprana Finance Tbk
JK:IBFN |
Credit Services | 7.72% |
|
Fast Finance SA
WAR:FFI |
Credit Services | 69.30% |
|
Funding Circle Holdings PLC
LSE:FCH |
Credit Services | 54.97% |
Annual Asset Resilience Ratio for PBS Finanse SA (2008–2024)
The table below shows the annual Asset Resilience Ratio data for PBS Finanse SA.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 19.38% | zł2.12 Million ≈ $584.83K |
zł10.96 Million ≈ $3.02 Million |
+3.04pp |
| 2023-12-31 | 16.34% | zł1.96 Million ≈ $540.25K |
zł12.02 Million ≈ $3.31 Million |
+3.55pp |
| 2022-12-31 | 12.79% | zł1.31 Million ≈ $361.91K |
zł10.29 Million ≈ $2.83 Million |
-3.98pp |
| 2021-12-31 | 16.77% | zł1.76 Million ≈ $484.38K |
zł10.50 Million ≈ $2.89 Million |
-1.74pp |
| 2020-12-31 | 18.51% | zł2.00 Million ≈ $550.43K |
zł10.80 Million ≈ $2.97 Million |
-11.15pp |
| 2019-12-31 | 29.66% | zł4.26 Million ≈ $1.17 Million |
zł14.35 Million ≈ $3.95 Million |
+21.40pp |
| 2018-12-31 | 8.26% | zł1.74 Million ≈ $477.50K |
zł21.01 Million ≈ $5.78 Million |
-2.97pp |
| 2017-12-31 | 11.23% | zł2.71 Million ≈ $746.66K |
zł24.16 Million ≈ $6.65 Million |
+1.13pp |
| 2016-12-31 | 10.10% | zł2.92 Million ≈ $803.35K |
zł28.90 Million ≈ $7.95 Million |
+1.09pp |
| 2015-12-31 | 9.00% | zł2.69 Million ≈ $741.70K |
zł29.93 Million ≈ $8.24 Million |
+2.31pp |
| 2014-12-31 | 6.70% | zł2.00 Million ≈ $549.88K |
zł29.84 Million ≈ $8.21 Million |
-0.48pp |
| 2013-12-31 | 7.18% | zł2.04 Million ≈ $562.26K |
zł28.46 Million ≈ $7.83 Million |
-0.38pp |
| 2012-12-31 | 7.56% | zł2.16 Million ≈ $594.19K |
zł28.57 Million ≈ $7.86 Million |
-14.18pp |
| 2010-12-31 | 21.74% | zł3.47 Million ≈ $953.89K |
zł15.95 Million ≈ $4.39 Million |
+17.63pp |
| 2009-12-31 | 4.11% | zł2.56 Million ≈ $703.72K |
zł62.27 Million ≈ $17.14 Million |
+0.91pp |
| 2008-12-31 | 3.20% | zł4.75 Million ≈ $1.31 Million |
zł148.53 Million ≈ $40.88 Million |
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About PBS Finanse SA
PBS Finanse S.A. engages in real estate rental business in Poland. PBS Finanse S.A. was founded in 1991 and is based in Sanok, Poland.