COL Financial GroupPHS:COL +3.82%75 Graham Number is ₱0.90 as of Mar. 2026, which is 100% below its 10-year median of 2.40. GuruFocus rates PHS:COL with a GF Score™ of 75/100 and a GF Value™ of ₱1.77 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 524 Capital Markets companies, COL Financial Group ranks worse than 60.69% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-07-11), the stock price of COL Financial Group is ₱1.36. COL Financial Group's graham number for the quarter that ended in Mar. 2026 was ₱0.90. Therefore, COL Financial Group's Price to Graham Number ratio for today is 1.51.
The historical rank and industry rank for COL Financial Group's Graham Number or its related term are showing as below:
PHS:COL'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.46 Med: 2.4 Max: 5.31
Current: 1.51
During the past 13 years, the highest Price to Graham Number ratio of COL Financial Group was 5.31. The lowest was 1.46. And the median was 2.40.
PHS:COL's Price-to-Graham-Number is ranked worse than 60.69% of 524
companies
in the Capital Markets industry
Industry Median: 1.14
vs PHS:COL: 1.51
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
COL Financial Group (PHS:COL) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
COL Financial Group's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
1.36
/
0.90
=
1.51
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
COL Financial Group Graham Number Related Terms
COL Financial Group Graham Number Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Graham Number 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.
For the Capital Markets subindustry, COL Financial Group's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Price-to-Graham-Number 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 Graham Number of ₱0.90 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on COL Financial Group and its competitors. This is 63% below median its historical median of 2.40. Over the past decade, COL Financial Group's Graham Number has ranged from 1.46 to 5.31. According to the industry distribution chart, COL Financial Group ranks #318 out of 524 companies in the Capital Markets industry, placing it in the top 60.7%.
Is COL Financial Group's Graham Number too high?
COL Financial Group's current Graham Number of ₱0.90 is 63% below median its 10-year median of 2.40. Over the past 10 years, this metric has ranged from a low of 1.46 to a high of 5.31. Based on the distribution chart, COL Financial Group ranks #318 out of 524 companies in the Capital Markets industry, which is below the industry midpoint. 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 Graham Number compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #318 out of 524 companies for Graham Number. This places COL Financial Group in the lower half of its industry. The industry median Graham Number is 1.14. Historically, COL Financial Group's own Graham Number has ranged from 1.46 to 5.31 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Capital Markets company?
The median Graham Number among Capital Markets companies is 1.14, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Graham Number is 1.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Graham Number is ₱0.90, which is 63% below median its own 10-year median of 2.40. 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 ₱1.77, compared to a current price of ₱1.36 — trading 23.2% below its estimated fair value. The current Graham Number is ₱0.90, which is 63% below median its 10-year median of 2.40. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Graham Number is ₱0.90 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 ₱1.36 is trading 23.2% below its estimated GF Value™ of ₱1.77.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Graham Number: ₱0.90 (63% below median its 10-year median of 2.40)
GF Value™: ₱1.77 vs. price of ₱1.36 (23.2% below fair value)
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
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