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COL Financial GroupPHS:COL 73 3-Year Book Growth Rate is 8.60% as of Jun. 2026, which is 37% above its 10-year median of 6.30. GuruFocus rates PHS:COL with a GF Score™ of 73/100 and a GF Value™ of ₱1.64 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 755 Capital Markets companies, COL Financial Group ranks better than 61.46% on this metric.
During the past 12 months, COL Financial Group's average Book Value per Share Growth Rate was 6.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of COL Financial Group was 21.00% per year. The lowest was -1.50% per year. And the median was 6.30% per year.
COL Financial Group (PHS:COL) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
COL Financial Group 3-Year Book Growth Rate Related Terms
PHS:COL vs MS, GS, SCHW: 3-Year Book Growth Rate Comparison
For the Capital Markets subindustry, COL Financial Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
COL Financial Group 3-Year Book Growth Rate vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where COL Financial Group's 3-Year Book Growth Rate falls into.
COL Financial Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.60% mean?
COL Financial Group (PHS:COL) has a 3-Year Book Growth Rate of 8.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for COL Financial Group and its competitors. This is 37% above median its historical median of 6.30. According to the industry distribution chart, COL Financial Group ranks #291 out of 755 companies in the Capital Markets industry, placing it in the top 38.5%.
Is COL Financial Group's 3-Year Book Growth Rate too high?
COL Financial Group's current 3-Year Book Growth Rate of 8.60% is 37% above median its 10-year median of 6.30. The Capital Markets industry median 3-Year Book Growth Rate is 5.70. COL Financial Group's value of 8.60% is 50.9% above this industry median. Based on the distribution chart, COL Financial Group ranks #291 out of 755 companies in the Capital Markets industry, which is above the industry midpoint. Overall, COL Financial Group has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's 3-Year Book Growth Rate compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #291 out of 755 companies for 3-Year Book Growth Rate. This puts COL Financial Group in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.70. COL Financial Group's value of 8.60% is 50.9% above this benchmark. While the company's 10-year median is 6.30 vs. the industry median of 5.70, COL Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Capital Markets company?
The median 3-Year Book Growth Rate among Capital Markets companies is 5.70, based on 755 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current 3-Year Book Growth Rate of 8.60% is 50.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for COL Financial Group and its competitors. For the Capital Markets industry, the median 3-Year Book Growth Rate is 5.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current 3-Year Book Growth Rate is 8.60%, which is 37% above median its own 10-year median of 6.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is COL Financial Group stock overvalued right now?
Based on GuruFocus' analysis, COL Financial Group (PHS:COL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱1.64, compared to a current price of ₱1.40 — trading 14.6% below its estimated fair value. The current 3-Year Book Growth Rate is 8.60%, which is 37% above median its 10-year median of 6.30 and 50.9% above the Capital Markets industry median of 5.70. COL Financial Group's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current 3-Year Book Growth Rate is 8.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is COL Financial Group (PHS:COL) Overvalued in 2026?
Based on GuruFocus' analysis, COL Financial Group stock appears to be undervalued.
The current stock price of ₱1.40 is trading 14.6% below its estimated GF Value™ of ₱1.64.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
3-Year Book Growth Rate: 8.60% (37% above median its 10-year median of 6.30)
GF Value™: ₱1.64 vs. price of ₱1.40 (14.6% below fair value)
Industry Position: 50.9% above the Capital Markets median (#291 of 755)
No single metric tells the full story. See the PHS:COL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
COL Financial Group Inc is mainly engaged in offering stock brokerage and fund distribution services through internet technology. The Group also provides financial advice, gathers and distributes financial and investment information and statistics, and acts as a financial, commercial, or business representative. It operates through two segments: stockbrokerage services, which generate maximum revenue and pertain to the Group's stockbrokerage companies, mainly the Parent Company and COLHK; and others, which pertain to subsidiaries other than COLHK, including CIMI, an asset management firm, and CEIUMF and CSGEUMF, which are unitized funds. The Group generates maximum revenue from the Philippines.
73GF Score
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