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COL Financial GroupPHS:COL 76 Interest Coverage is 540.90 as of Mar. 2026, which is 274% above its 10-year median of 144.67. 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 432 Capital Markets companies, COL Financial Group ranks better than 67.82% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. COL Financial Group's
Operating Income
for the
three
months ended in Mar. 2026 was ₱181 Mil. COL Financial Group's Interest Expense for the
three
months ended in Mar. 2026 was ₱-0 Mil.
COL Financial Group's interest coverage for the quarter that ended in Mar. 2026 was 540.90.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. COL Financial Group Inc has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for COL Financial Group's Interest Coverage or its related term are showing as below:
PHS:COL'
s Interest Coverage Range Over the Past 10 Years
Min: 64.87 Med: 144.67 Max: 361.25
Current: 148.09
PHS:COL's Interest Coverage is ranked better than 67.82% of 432
companies
in the Capital Markets industry
Industry Median: 20.55
vs PHS:COL: 148.09
COL Financial Group (PHS:COL) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
COL Financial Group Interest Coverage Related Terms
COL Financial Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for COL Financial Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
PHS:COL vs MS, GS, SCHW: Interest Coverage Comparison
For the Capital Markets subindustry, COL Financial Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 540.90 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on COL Financial Group and its competitors. This is 274% above median its historical median of 144.67. Over the past decade, COL Financial Group's Interest Coverage has ranged from 64.87 to 361.25. According to the industry distribution chart, COL Financial Group ranks #139 out of 432 companies in the Capital Markets industry, placing it in the top 32.2%.
Is COL Financial Group's Interest Coverage too high?
COL Financial Group's current Interest Coverage of 540.90 is 274% above median its 10-year median of 144.67. Over the past 10 years, this metric has ranged from a low of 64.87 to a high of 361.25. The Capital Markets industry median Interest Coverage is 20.55. COL Financial Group's value of 540.90 is 2532.1% above this industry median. Based on the distribution chart, COL Financial Group ranks #139 out of 432 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 Interest Coverage compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #139 out of 432 companies for Interest Coverage. This puts COL Financial Group in the upper half of its industry. The industry median Interest Coverage is 20.55. COL Financial Group's value of 540.90 is 2532.1% above this benchmark. Historically, COL Financial Group's own Interest Coverage has ranged from 64.87 to 361.25 over the past decade. While the company's 10-year median is 144.67 vs. the industry median of 20.55, 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 Interest Coverage for a Capital Markets company?
The median Interest Coverage among Capital Markets companies is 20.55, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Interest Coverage of 540.90 is 2532.1% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Interest Coverage is 20.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Interest Coverage is 540.90, which is 274% above median its own 10-year median of 144.67. 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 Interest Coverage is 540.90, which is 274% above median its 10-year median of 144.67 and 2532.1% above the Capital Markets industry median of 20.55. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Interest Coverage is 540.90 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 ₱1.35 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:
Interest Coverage: 540.90 (274% above median its 10-year median of 144.67)
GF Value™: ₱1.78 vs. price of ₱1.35 (24.2% below fair value)
Industry Position: 2532.1% above the Capital Markets median (#139 of 432)
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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