COL Financial GroupPHS:COL -2.99%74 Current Ratio is 1.08 as of Mar. 2026, which is 4% below its 10-year median of 1.12. GuruFocus rates PHS:COL with a GF Score™ of 74/100 and a GF Value™ of ₱1.76 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 687 Capital Markets companies, COL Financial Group ranks worse than 83.41% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. COL Financial Group's current ratio for the quarter that ended in Mar. 2026 was 1.08.
COL Financial Group has a current ratio of 1.08. It generally indicates good short-term financial strength.
The historical rank and industry rank for COL Financial Group's Current Ratio or its related term are showing as below:
PHS:COL'
s Current Ratio Range Over the Past 10 Years
Min: 1.08 Med: 1.12 Max: 1.17
Current: 1.08
During the past 13 years, COL Financial Group's highest Current Ratio was 1.17. The lowest was 1.08. And the median was 1.12.
PHS:COL's Current Ratio is ranked worse than 83.41% of 687
companies
in the Capital Markets industry
Industry Median: 2.34
vs PHS:COL: 1.08
COL Financial Group (PHS:COL) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
COL Financial Group Current Ratio Related Terms
COL Financial Group Current Ratio Historical Data
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The historical data trend for COL Financial Group's Current Ratio 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.
For the Capital Markets subindustry, COL Financial Group's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Current Ratio 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 Current Ratio of 1.08 as of Mar. 2026. This is near median its historical median of 1.12. Over the past decade, COL Financial Group's Current Ratio has ranged from 1.08 to 1.17. According to the industry distribution chart, COL Financial Group ranks #573 out of 687 companies in the Capital Markets industry, placing it in the top 83.4%.
Is COL Financial Group's Current Ratio too high?
COL Financial Group's current Current Ratio of 1.08 is near median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 1.17. The Capital Markets industry median Current Ratio is 2.34. COL Financial Group's value of 1.08 is 53.8% below this industry median. Based on the distribution chart, COL Financial Group ranks #573 out of 687 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, COL Financial Group has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's Current Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #573 out of 687 companies for Current Ratio. This places COL Financial Group in the lower half of its industry. The industry median Current Ratio is 2.34. COL Financial Group's value of 1.08 is 53.8% below this benchmark. Historically, COL Financial Group's own Current Ratio has ranged from 1.08 to 1.17 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 2.34, COL Financial Group has consistently been below 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 Current Ratio for a Capital Markets company?
The median Current Ratio among Capital Markets companies is 2.34, based on 687 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Current Ratio of 1.08 is 53.8% below 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Capital Markets industry, the median Current Ratio is 2.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Current Ratio is 1.08, which is near median its own 10-year median of 1.12. 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 ₱1.76, compared to a current price of ₱1.30 — trading 26.1% below its estimated fair value. The current Current Ratio is 1.08, which is near median its 10-year median of 1.12 and 53.8% below the Capital Markets industry median of 2.34. COL Financial Group's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Current Ratio is 1.08 as of Mar. 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 ₱1.30 is trading 26.1% below its estimated GF Value™ of ₱1.76.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Current Ratio: 1.08 (near median its 10-year median of 1.12)
GF Value™: ₱1.76 vs. price of ₱1.30 (26.1% below fair value)
Industry Position: 53.8% below the Capital Markets median (#573 of 687)
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.
74GF Score
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