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COL Financial GroupPHS:COL +2.27%74 Equity-to-Asset is 0.18 as of Mar. 2026, which is 20% above its 10-year median of 0.15. GuruFocus rates PHS:COL with a GF Score™ of 74/100 and a GF Value™ of ₱1.78 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 815 Capital Markets companies, COL Financial Group ranks worse than 77.91% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. COL Financial Group's Total Stockholders Equity for the quarter that ended in Mar. 2026 was ₱2,643 Mil. COL Financial Group's Total Assets for the quarter that ended in Mar. 2026 was ₱14,355 Mil.
Therefore, COL Financial Group's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.18.
The historical rank and industry rank for COL Financial Group's Equity-to-Asset or its related term are showing as below:
PHS:COL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.15 Max: 0.21
Current: 0.18
During the past 13 years, the highest Equity to Asset Ratio of COL Financial Group was 0.21. The lowest was 0.12. And the median was 0.15.
PHS:COL's Equity-to-Asset is ranked worse than 77.91% of 815
companies
in the Capital Markets industry
Industry Median: 0.5
vs PHS:COL: 0.18
COL Financial Group (PHS:COL) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
COL Financial Group Equity-to-Asset Related Terms
COL Financial Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Capital Markets subindustry, COL Financial Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
COL Financial Group's Equity to Asset Ratio 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 Equity-to-Asset of 0.18 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on COL Financial Group and its competitors. This is 20% above median its historical median of 0.15. Over the past decade, COL Financial Group's Equity-to-Asset has ranged from 0.12 to 0.21. According to the industry distribution chart, COL Financial Group ranks #635 out of 815 companies in the Capital Markets industry, placing it in the top 77.9%.
Is COL Financial Group's Equity-to-Asset too high?
COL Financial Group's current Equity-to-Asset of 0.18 is 20% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.21. The Capital Markets industry median Equity-to-Asset is 0.50. COL Financial Group's value of 0.18 is 64% below this industry median. Based on the distribution chart, COL Financial Group ranks #635 out of 815 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 Equity-to-Asset compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #635 out of 815 companies for Equity-to-Asset. This places COL Financial Group in the lower half of its industry. The industry median Equity-to-Asset is 0.50. COL Financial Group's value of 0.18 is 64% below this benchmark. Historically, COL Financial Group's own Equity-to-Asset has ranged from 0.12 to 0.21 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.50, 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 Equity-to-Asset for a Capital Markets company?
The median Equity-to-Asset among Capital Markets companies is 0.50, based on 815 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Equity-to-Asset of 0.18 is 64% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Equity-to-Asset is 0.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Equity-to-Asset is 0.18, which is 20% above median its own 10-year median of 0.15. 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 ₱1.35 — trading 24.2% below its estimated fair value. The current Equity-to-Asset is 0.18, which is 20% above median its 10-year median of 0.15 and 64% below the Capital Markets industry median of 0.50. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Equity-to-Asset is 0.18 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 ₱1.35 is trading 24.2% below its estimated GF Value™ of ₱1.78.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Equity-to-Asset: 0.18 (20% above median its 10-year median of 0.15)
GF Value™: ₱1.78 vs. price of ₱1.35 (24.2% below fair value)
Industry Position: 64% below the Capital Markets median (#635 of 815)
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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Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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