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COL Financial GroupPHS:COL 75 Piotroski F-Score is 6 as of Jul. 24, 2026, which is at its 10-year median of 6.00. GuruFocus rates PHS:COL with a GF Score™ of 75/100 and a GF Value™ of ₱1.78 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 784 Capital Markets companies, COL Financial Group ranks better than 82.02% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
COL Financial Group has an F-score of 6 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for COL Financial Group's Piotroski F-Score or its related term are showing as below:
PHS:COL'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 6 Max: 9
Current: 6
During the past 13 years, the highest Piotroski F-Score of COL Financial Group was 9. The lowest was 2. And the median was 6.
COL Financial Group (PHS:COL) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
COL Financial Group Piotroski F-Score Related Terms
COL Financial Group Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Piotroski F-Score 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: Piotroski F-Score Comparison
For the Capital Markets subindustry, COL Financial Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Piotroski F-Score 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.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was 123.903 + 175.644 + 83.73 + 140.664 = ₱524 Mil. Cash Flow from Operations was 581.019 + 150.948 + -323.789 + 2244.745 = ₱2,653 Mil. Revenue was 286.743 + 334.931 + 272.139 + 309.183 = ₱1,203 Mil. Gross Profit was 221.733 + 265.643 + 160.206 + 236.258 = ₱884 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(12207.708 + 12353.866 + 12410.29 + 12111.452 + 14354.726) / 5 = ₱12687.6084 Mil. Total Assets at the begining of this year (Mar25) was ₱12,208 Mil. Long-Term Debt & Capital Lease Obligation was ₱21 Mil. Total Current Assets was ₱12,590 Mil. Total Current Liabilities was ₱11,641 Mil.
Net Income was 134.277 + 166.647 + 68.994 + 131.476 = ₱501 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
COL Financial Group's current Net Income (TTM) was 524.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
COL Financial Group's return on assets of this year was 0.04291887. COL Financial Group's return on assets of last year was 0.03867952.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
COL Financial Group's gearing of this year was 0.00163861. COL Financial Group's gearing of last year was 0.00101165.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
COL Financial Group's current ratio of this year was 1.0814775. COL Financial Group's current ratio of last year was 1.16413271.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
COL Financial Group's number of shares in issue this year was 5950. COL Financial Group's number of shares in issue last year was 5950.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
COL Financial Group's gross margin of this year was 0.73469903. COL Financial Group's gross margin of last year was 0.7406925.
==> Last year's gross margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
COL Financial Group's asset turnover of this year was 0.09854397. COL Financial Group's asset turnover of last year was 0.09114921.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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6
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
COL Financial Group has an F-score of 6 indicating the company's financial situation is typical for a stable company.
COL Financial Group (PHS:COL) has a Piotroski F-Score of 6 as of Jul. 24, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on COL Financial Group and its competitors. This is near median its historical median of 6.00. Over the past decade, COL Financial Group's Piotroski F-Score has ranged from 2.00 to 9.00. According to the industry distribution chart, COL Financial Group ranks #141 out of 784 companies in the Capital Markets industry, placing it in the top 18%.
Is COL Financial Group's Piotroski F-Score too high?
COL Financial Group's current Piotroski F-Score of 6 is near median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 9.00. The Capital Markets industry median Piotroski F-Score is 5.00. COL Financial Group's value of 6 is 20% above this industry median. Based on the distribution chart, COL Financial Group ranks #141 out of 784 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 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's Piotroski F-Score compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #141 out of 784 companies for Piotroski F-Score. This places COL Financial Group in the top 18% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 5.00. COL Financial Group's value of 6 is 20% above this benchmark. Historically, COL Financial Group's own Piotroski F-Score has ranged from 2.00 to 9.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 5.00, 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 Piotroski F-Score for a Capital Markets company?
The median Piotroski F-Score among Capital Markets companies is 5.00, based on 784 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Piotroski F-Score of 6 is 20% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Piotroski F-Score is 6, which is near median its own 10-year median of 6.00. 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 ₱1.34 — trading 24.7% below its estimated fair value. The current Piotroski F-Score is 6, which is near median its 10-year median of 6.00 and 20% above the Capital Markets industry median of 5.00. COL Financial Group's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Piotroski F-Score is 6 as of Jul. 24, 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 ₱1.34 is trading 24.7% below its estimated GF Value™ of ₱1.78.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Piotroski F-Score: 6 (near median its 10-year median of 6.00)
GF Value™: ₱1.78 vs. price of ₱1.34 (24.7% below fair value)
Industry Position: 20% above the Capital Markets median (#141 of 784)
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.
75GF Score
Get the complete analysis for PHS:COL
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