COL Financial GroupPHS:COL +2.31%74 Days Payable is 13,082.13 as of Mar. 2026, which is 5% below its 10-year median of 13,768.38. 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 538 Capital Markets companies, COL Financial Group ranks better than 96.28% on this metric.
The historical rank and industry rank for COL Financial Group's Days Payable or its related term are showing as below:
PHS:COL'
s Days Payable Range Over the Past 10 Years
Min: 11359.29 Med: 13768.38 Max: 17337.28
Current: 11451.77
During the past 13 years, COL Financial Group's highest Days Payable was 17337.28. The lowest was 11359.29. And the median was 13768.38.
PHS:COL's Days Payable is ranked better than 96.28% of 538
companies
in the Capital Markets industry
Industry Median: 91.345
vs PHS:COL: 11451.77
COL Financial Group's Days Payable
declined
from Mar. 2025 (14,566.50) to Mar. 2026 (13,082.13).
It may suggest that COL Financial Groupaccelerated paying its suppliers.
COL Financial Group Days Payable Related Terms
COL Financial Group Days Payable Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Days Payable 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Days Payable distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
COL Financial Group's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 13,082.13 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on COL Financial Group and its competitors. This is near median its historical median of 13,768.38. Over the past decade, COL Financial Group's Days Payable has ranged from 11,359.29 to 17,337.28. According to the industry distribution chart, COL Financial Group ranks #20 out of 538 companies in the Capital Markets industry, placing it in the top 3.7%.
Is COL Financial Group's Days Payable too high?
COL Financial Group's current Days Payable of 13,082.13 is near median its 10-year median of 13,768.38. Over the past 10 years, this metric has ranged from a low of 11,359.29 to a high of 17,337.28. The Capital Markets industry median Days Payable is 91.35. COL Financial Group's value of 13,082.13 is 14221.7% above this industry median. Based on the distribution chart, COL Financial Group ranks #20 out of 538 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 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's Days Payable compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #20 out of 538 companies for Days Payable. This places COL Financial Group in the top 4% of its industry — outperforming the majority of peers. The industry median Days Payable is 91.35. COL Financial Group's value of 13,082.13 is 14221.7% above this benchmark. Historically, COL Financial Group's own Days Payable has ranged from 11,359.29 to 17,337.28 over the past decade. While the company's 10-year median is 13,768.38 vs. the industry median of 91.35, 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 Days Payable for a Capital Markets company?
The median Days Payable among Capital Markets companies is 91.35, based on 538 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Days Payable of 13,082.13 is 14221.7% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Days Payable is 91.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Days Payable is 13,082.13, which is near median its own 10-year median of 13,768.38. 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 ₱1.33 — trading 24.4% below its estimated fair value. The current Days Payable is 13,082.13, which is near median its 10-year median of 13,768.38 and 14221.7% above the Capital Markets industry median of 91.35. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Days Payable is 13,082.13 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 ₱1.33 is trading 24.4% below its estimated GF Value™ of ₱1.76.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Days Payable: 13,082.13 (near median its 10-year median of 13,768.38)
GF Value™: ₱1.76 vs. price of ₱1.33 (24.4% below fair value)
Industry Position: 14221.7% above the Capital Markets median (#20 of 538)
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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