PBS Finanse SA - Asset Resilience Ratio

Latest as of December 2025: 7.25%

PBS Finanse SA (PBF) has an Asset Resilience Ratio of 7.25% 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. Check PBS Finanse SA strategic capital allocation to assess the company's strategic physical and investment asset allocation.

Liquid Assets

zł742.00K

≈ $204.21K USD Cash + Short-term Investments

Total Assets

zł10.23 Million

≈ $2.82 Million USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2008–2025)

This chart shows how PBS Finanse SA's Asset Resilience Ratio has changed over time. See PBS Finanse SA (PBF) balance sheet quality index to measure how much of total assets are equity-financed.

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	zł742.00K	7.25%
Total Liquid Assets	zł742.00K	7.25%

Asset Resilience Insights

Limited Liquidity: PBS Finanse SA maintains only 7.25% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
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
Vardhman Holdings Limited NSE:VHL	Credit Services	0.03%
Five-Star Business Finance Limited NSE:FIVESTAR	Credit Services	4.49%
Capri Global Capital Limited NSE:CGCL	Credit Services	0.13%
Srisawad Power 1979 PCL BK:SAWAD	Credit Services	0.98%
Navient Corp NASDAQ:NAVI	Credit Services	3.09%
Hexa Tradex Limited NSE:HEXATRADEX	Credit Services	0.09%
Qliro AB ST:QLIRO	Credit Services	20.36%
Starteck Finance Limited NSE:STARTECK	Credit Services	0.02%

Annual Asset Resilience Ratio for PBS Finanse SA (2008–2025)

The table below shows the annual Asset Resilience Ratio data for PBS Finanse SA.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	7.25%	zł742.00K ≈ $204.21K	zł10.23 Million ≈ $2.82 Million	-12.13pp
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	--

pp = percentage points

About PBS Finanse SA

WAR:PBF Poland Credit Services

Market Cap

$3.42 Million

zł12.44 Million PLN

Market Cap Rank

#29245 Global

#339 in Poland

Share Price

zł1.19

Change (1 day)

+0.00%

52-Week Range

zł0.44 - zł1.20

All Time High

zł3.87