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COL Financial GroupPHS:COL -2.27%73 Debt-to-EBITDA is 0.05 as of Mar. 2026, which is 17% below its 10-year median of 0.06. GuruFocus rates PHS:COL with a GF Score™ of 73/100 and a GF Value™ of ₱1.78 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 422 Capital Markets companies, COL Financial Group ranks better than 92.18% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for COL Financial Group's Debt-to-EBITDA or its related term are showing as below:
PHS:COL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.04 Med: 0.06 Max: 0.14
Current: 0.06
During the past 13 years, the highest Debt-to-EBITDA Ratio of COL Financial Group was 0.14. The lowest was 0.04. And the median was 0.06.
PHS:COL's Debt-to-EBITDA is ranked better than 92.18% of 422
companies
in the Capital Markets industry
Industry Median: 1.645
vs PHS:COL: 0.06
COL Financial Group (PHS:COL) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
COL Financial Group Debt-to-EBITDA Related Terms
COL Financial Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Debt-to-EBITDA 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.
PHS:COL vs MS, GS, SCHW: Debt-to-EBITDA Comparison
For the Capital Markets subindustry, COL Financial Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
COL Financial Group (PHS:COL) has a Debt-to-EBITDA of 0.05 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on COL Financial Group. This is 17% below median its historical median of 0.06. Over the past decade, COL Financial Group's Debt-to-EBITDA has ranged from 0.04 to 0.14. According to the industry distribution chart, COL Financial Group ranks #33 out of 422 companies in the Capital Markets industry, placing it in the top 7.8%.
Is COL Financial Group's Debt-to-EBITDA too high?
COL Financial Group's current Debt-to-EBITDA of 0.05 is 17% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.14. The Capital Markets industry median Debt-to-EBITDA is 1.65. COL Financial Group's value of 0.05 is 97% below this industry median. Based on the distribution chart, COL Financial Group ranks #33 out of 422 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 Debt-to-EBITDA compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #33 out of 422 companies for Debt-to-EBITDA. This places COL Financial Group in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.65. COL Financial Group's value of 0.05 is 97% below this benchmark. Historically, COL Financial Group's own Debt-to-EBITDA has ranged from 0.04 to 0.14 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 1.65, 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 Debt-to-EBITDA for a Capital Markets company?
The median Debt-to-EBITDA among Capital Markets companies is 1.65, based on 422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Debt-to-EBITDA of 0.05 is 97% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on COL Financial Group. For the Capital Markets industry, the median Debt-to-EBITDA is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Debt-to-EBITDA is 0.05, which is 17% below median its own 10-year median of 0.06. 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 ₱1.78, compared to a current price of ₱1.29 — trading 27.5% below its estimated fair value. The current Debt-to-EBITDA is 0.05, which is 17% below median its 10-year median of 0.06 and 97% below the Capital Markets industry median of 1.65. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Debt-to-EBITDA is 0.05 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 ₱1.29 is trading 27.5% below its estimated GF Value™ of ₱1.78.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Debt-to-EBITDA: 0.05 (17% below median its 10-year median of 0.06)
GF Value™: ₱1.78 vs. price of ₱1.29 (27.5% below fair value)
Industry Position: 97% below the Capital Markets median (#33 of 422)
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
Get the complete analysis for PHS:COL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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