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COL Financial GroupPHS:COL -2.22%76 3-Year EBITDA Growth Rate is 21.90% as of Mar. 2026, which is 584% above its 10-year median of 3.20. GuruFocus rates PHS:COL with a GF Score™ of 76/100 and a GF Value™ of ₱1.78 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 511 Capital Markets companies, COL Financial Group ranks better than 58.71% on this metric.
During the past 12 months, COL Financial Group's average EBITDA Per Share Growth Rate was 11.30% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 21.90% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 0.10% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 3.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of COL Financial Group was 60.30% per year. The lowest was -18.60% per year. And the median was 3.20% per year.
COL Financial Group (PHS:COL) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
COL Financial Group 3-Year EBITDA Growth Rate Related Terms
PHS:COL vs MS, GS, SCHW: 3-Year EBITDA Growth Rate Comparison
For the Capital Markets subindustry, COL Financial Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where COL Financial Group's 3-Year EBITDA Growth Rate falls into.
COL Financial Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 21.90% mean?
COL Financial Group (PHS:COL) has a 3-Year EBITDA Growth Rate of 21.90% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for COL Financial Group and its competitors. This is 584% above median its historical median of 3.20. According to the industry distribution chart, COL Financial Group ranks #211 out of 511 companies in the Capital Markets industry, placing it in the top 41.3%.
Is COL Financial Group's 3-Year EBITDA Growth Rate too high?
COL Financial Group's current 3-Year EBITDA Growth Rate of 21.90% is 584% above median its 10-year median of 3.20. The Capital Markets industry median 3-Year EBITDA Growth Rate is 14.50. COL Financial Group's value of 21.90% is 51% above this industry median. Based on the distribution chart, COL Financial Group ranks #211 out of 511 companies in the Capital Markets industry, which is above the industry midpoint. Overall, COL Financial Group has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's 3-Year EBITDA Growth Rate compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #211 out of 511 companies for 3-Year EBITDA Growth Rate. This puts COL Financial Group in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 14.50. COL Financial Group's value of 21.90% is 51% above this benchmark. While the company's 10-year median is 3.20 vs. the industry median of 14.50, 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 3-Year EBITDA Growth Rate for a Capital Markets company?
The median 3-Year EBITDA Growth Rate among Capital Markets companies is 14.50, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current 3-Year EBITDA Growth Rate of 21.90% is 51% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for COL Financial Group and its competitors. For the Capital Markets industry, the median 3-Year EBITDA Growth Rate is 14.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current 3-Year EBITDA Growth Rate is 21.90%, which is 584% above median its own 10-year median of 3.20. 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 ₱1.32 — trading 25.8% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 21.90%, which is 584% above median its 10-year median of 3.20 and 51% above the Capital Markets industry median of 14.50. COL Financial Group's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current 3-Year EBITDA Growth Rate is 21.90% 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 ₱1.32 is trading 25.8% below its estimated GF Value™ of ₱1.78.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
3-Year EBITDA Growth Rate: 21.90% (584% above median its 10-year median of 3.20)
GF Value™: ₱1.78 vs. price of ₱1.32 (25.8% below fair value)
Industry Position: 51% above the Capital Markets median (#211 of 511)
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.
76GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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