COL Financial Group (PHS:COL) Interest Expense: ₱-4 Mil (TTM As of Mar. 2026)


PHS:COL COL Financial Group Inc PHS:COL
68 GF Score
Price ₱1.33
GF Value ₱1.76
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is COL Financial Group Interest Expense?

COL Financial Group PHS:COL +2.31% 68 Interest Expense is ₱-4 Mil as of Mar. 2026. GuruFocus rates PHS:COL with a GF Score™ of 68/100 and a GF Value™ of ₱1.76 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. COL Financial Group's interest expense for the three months ended in Mar. 2026 was ₱ -0 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-4 Mil.

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. 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. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

COL Financial Group  (PHS:COL) Interest Expense Explanation

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. The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

COL Financial Group's Interest Expense for the three months ended in Mar. 2026 was ₱-0 Mil. Its Operating Income for the three months ended in Mar. 2026 was ₱181 Mil. And its Long-Term Debt & Capital Lease Obligation for the three months ended in Mar. 2026 was ₱21 Mil.

COL Financial Group's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*180.661/-0.334
=540.90

* 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.

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.

COL Financial Group Interest Expense Historical Data

* Premium members only.

The historical data trend for COL Financial Group's Interest Expense 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.

COL Financial Group Interest Expense Chart

COL Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.08 -5.08 -6.12 -4.46 -3.98

COL Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.16 -0.10 -0.17 -3.56 -0.33
PHS:COL
68GF Score
COL Financial Group Inc PHS:COL
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

COL Financial Group Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱-4 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of ₱-4 Mil mean?
COL Financial Group (PHS:COL) has a Interest Expense of ₱-4 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on COL Financial Group and its competitors.
Is COL Financial Group's Interest Expense too high?
COL Financial Group's current Interest Expense is ₱-4 Mil. Overall, COL Financial Group has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's Interest Expense compare to MS and GS?
COL Financial Group's Interest Expense of ₱-4 Mil can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Capital Markets company?
A good Interest Expense depends on the Capital Markets industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on COL Financial Group and its competitors. COL Financial Group's current Interest Expense is ₱-4 Mil. 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 ₱1.33 — trading 24.4% below its estimated fair value. The current Interest Expense is ₱-4 Mil. COL Financial Group's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Interest Expense is ₱-4 Mil 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 ₱1.33 is trading 24.4% below its estimated GF Value™ of ₱1.76. GuruFocus considers COL Financial Group to be Modestly Undervalued.

Key valuation signals for PHS:COL:

  • Interest Expense: ₱-4 Mil
  • GF Value™: ₱1.76 vs. price of ₱1.33 (24.4% below fair value)
  • GF Score™: 68/100 with 3 warning signs

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 Business Description

Address Exchange Road, 24th Floor East Tower, Tektite Towers, Ortigas Center, Pasig City, PHL, 1605
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.
68GF Score

Get the complete analysis for PHS:COL

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱1.33
Price
₱1.76
GF Value