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COL Financial GroupPHS:COL 73 Cash-to-Debt is 258.59 as of Jun. 2026, which is 14% below its 10-year median of 301.80. 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 776 Capital Markets companies, COL Financial Group ranks better than 80.8% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. COL Financial Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 258.59.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, COL Financial Groupcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for COL Financial Group's Cash-to-Debt or its related term are showing as below:
PHS:COL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 150.82 Med: 301.8 Max: No Debt
Current: 258.59
During the past 13 years, COL Financial Group's highest Cash to Debt Ratio was No Debt. The lowest was 150.82. And the median was 301.80.
PHS:COL's Cash-to-Debt is ranked better than 80.8% of 776
companies
in the Capital Markets industry
Industry Median: 2.315
vs PHS:COL: 258.59
COL Financial Group (PHS:COL) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
COL Financial Group Cash-to-Debt Related Terms
COL Financial Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Capital Markets subindustry, COL Financial Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
COL Financial Group (PHS:COL) has a Cash-to-Debt of 258.59 as of Jun. 2026. This is 14% below median its historical median of 301.80. Over the past decade, COL Financial Group's Cash-to-Debt has ranged from 150.82 to 10,000.00. According to the industry distribution chart, COL Financial Group ranks #149 out of 776 companies in the Capital Markets industry, placing it in the top 19.2%.
Is COL Financial Group's Cash-to-Debt too high?
COL Financial Group's current Cash-to-Debt of 258.59 is 14% below median its 10-year median of 301.80. Over the past 10 years, this metric has ranged from a low of 150.82 to a high of 10,000.00. The Capital Markets industry median Cash-to-Debt is 2.32. COL Financial Group's value of 258.59 is 11070.2% above this industry median. Based on the distribution chart, COL Financial Group ranks #149 out of 776 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. 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 Cash-to-Debt compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #149 out of 776 companies for Cash-to-Debt. This places COL Financial Group in the top 19% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.32. COL Financial Group's value of 258.59 is 11070.2% above this benchmark. Historically, COL Financial Group's own Cash-to-Debt has ranged from 150.82 to 10,000.00 over the past decade. While the company's 10-year median is 301.80 vs. the industry median of 2.32, 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 Cash-to-Debt for a Capital Markets company?
The median Cash-to-Debt among Capital Markets companies is 2.32, based on 776 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Cash-to-Debt of 258.59 is 11070.2% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Capital Markets industry, the median Cash-to-Debt is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Cash-to-Debt is 258.59, which is 14% below median its own 10-year median of 301.80. 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 Cash-to-Debt is 258.59, which is 14% below median its 10-year median of 301.80 and 11070.2% above the Capital Markets industry median of 2.32. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Cash-to-Debt is 258.59 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:
Cash-to-Debt: 258.59 (14% below median its 10-year median of 301.80)
GF Value™: ₱1.64 vs. price of ₱1.40 (14.6% below fair value)
Industry Position: 11070.2% above the Capital Markets median (#149 of 776)
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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