COL Financial GroupPHS:COL -2.99%74 Gross Margin % is 76.41% as of Mar. 2026, which is 2% above its 10-year median of 74.94. GuruFocus rates PHS:COL with a GF Score™ of 74/100 and a GF Value™ of ₱1.76 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 618 Capital Markets companies, COL Financial Group ranks better than 74.92% on this metric.
COL Financial Group Inc gross margin has been in long-term decline. The average rate of decline per year is -1.8%.
The historical rank and industry rank for COL Financial Group's Gross Margin % or its related term are showing as below:
PHS:COL'
s Gross Margin % Range Over the Past 10 Years
Min: 66.51 Med: 74.94 Max: 81.82
Current: 73.47
During the past 13 years, the highestGross Margin % of COL Financial Group was 81.82%. The lowest was 66.51%. And the median was 74.94%.
PHS:COL's Gross Margin % is ranked better than 74.92% of 618
companies
in the Capital Markets industry
Industry Median: 48.285
vs PHS:COL: 73.47
COL Financial Group had a gross margin of 76.41% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for COL Financial Group was -1.80% per year.
COL Financial Group (PHS:COL) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
COL Financial Group had a gross margin of 76.41% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
COL Financial Group Gross Margin % Related Terms
COL Financial Group Gross Margin % Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Gross Margin % 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: Gross Margin % Comparison
For the Capital Markets subindustry, COL Financial Group's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
COL Financial Group (PHS:COL) has a Gross Margin % of 76.41% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on COL Financial Group and its competitors. This is near median its historical median of 74.94. Over the past decade, COL Financial Group's Gross Margin % has ranged from 66.51 to 81.82. According to the industry distribution chart, COL Financial Group ranks #155 out of 618 companies in the Capital Markets industry, placing it in the top 25.1%.
Is COL Financial Group's Gross Margin % too high?
COL Financial Group's current Gross Margin % of 76.41% is near median its 10-year median of 74.94. Over the past 10 years, this metric has ranged from a low of 66.51 to a high of 81.82. The Capital Markets industry median Gross Margin % is 48.29. COL Financial Group's value of 76.41% is 58.2% above this industry median. Based on the distribution chart, COL Financial Group ranks #155 out of 618 companies in the Capital Markets industry, which is above the industry midpoint. 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 Gross Margin % compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #155 out of 618 companies for Gross Margin %. This puts COL Financial Group in the upper half of its industry. The industry median Gross Margin % is 48.29. COL Financial Group's value of 76.41% is 58.2% above this benchmark. Historically, COL Financial Group's own Gross Margin % has ranged from 66.51 to 81.82 over the past decade. While the company's 10-year median is 74.94 vs. the industry median of 48.29, 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 Gross Margin % for a Capital Markets company?
The median Gross Margin % among Capital Markets companies is 48.29, based on 618 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Gross Margin % of 76.41% is 58.2% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Gross Margin % is 48.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Gross Margin % is 76.41%, which is near median its own 10-year median of 74.94. 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 ₱1.76, compared to a current price of ₱1.30 — trading 26.1% below its estimated fair value. The current Gross Margin % is 76.41%, which is near median its 10-year median of 74.94 and 58.2% above the Capital Markets industry median of 48.29. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Gross Margin % is 76.41% 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 ₱1.30 is trading 26.1% below its estimated GF Value™ of ₱1.76.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Gross Margin %: 76.41% (near median its 10-year median of 74.94)
GF Value™: ₱1.76 vs. price of ₱1.30 (26.1% below fair value)
Industry Position: 58.2% above the Capital Markets median (#155 of 618)
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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