Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
COL Financial GroupPHS:COL -2.27%73 Debt-to-Equity is 0.02 as of Mar. 2026, which is at its 10-year median of 0.02. 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 611 Capital Markets companies, COL Financial Group ranks better than 93.13% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for COL Financial Group's Debt-to-Equity or its related term are showing as below:
PHS:COL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.03
Current: 0.02
During the past 13 years, the highest Debt-to-Equity Ratio of COL Financial Group was 0.03. The lowest was 0.01. And the median was 0.02.
PHS:COL's Debt-to-Equity is ranked better than 93.13% of 611
companies
in the Capital Markets industry
Industry Median: 0.31
vs PHS:COL: 0.02
COL Financial Group (PHS:COL) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
COL Financial Group Debt-to-Equity Related Terms
COL Financial Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Debt-to-Equity 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-Equity Comparison
For the Capital Markets subindustry, COL Financial Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Debt-to-Equity 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 Debt-to-Equity of 0.02 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on COL Financial Group and its competitors. This is near median its historical median of 0.02. Over the past decade, COL Financial Group's Debt-to-Equity has ranged from 0.01 to 0.03. According to the industry distribution chart, COL Financial Group ranks #42 out of 611 companies in the Capital Markets industry, placing it in the top 6.9%.
Is COL Financial Group's Debt-to-Equity too high?
COL Financial Group's current Debt-to-Equity of 0.02 is near median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.03. The Capital Markets industry median Debt-to-Equity is 0.31. COL Financial Group's value of 0.02 is 93.5% below this industry median. Based on the distribution chart, COL Financial Group ranks #42 out of 611 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-Equity compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #42 out of 611 companies for Debt-to-Equity. This places COL Financial Group in the top 7% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.31. COL Financial Group's value of 0.02 is 93.5% below this benchmark. Historically, COL Financial Group's own Debt-to-Equity has ranged from 0.01 to 0.03 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.31, 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-Equity for a Capital Markets company?
The median Debt-to-Equity among Capital Markets companies is 0.31, based on 611 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Debt-to-Equity of 0.02 is 93.5% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Debt-to-Equity is 0.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Debt-to-Equity is 0.02, which is near median its own 10-year median of 0.02. 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-Equity is 0.02, which is near median its 10-year median of 0.02 and 93.5% below the Capital Markets industry median of 0.31. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Debt-to-Equity is 0.02 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-Equity: 0.02 (near median its 10-year median of 0.02)
GF Value™: ₱1.78 vs. price of ₱1.29 (27.5% below fair value)
Industry Position: 93.5% below the Capital Markets median (#42 of 611)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:COL has been successfully added to your 
