COL Financial GroupPHS:COL -2.99%74 Operating Margin % is 58.43% as of Mar. 2026, which is 9% above its 10-year median of 53.74. 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 664 Capital Markets companies, COL Financial Group ranks better than 82.83% on this metric.
COL Financial Group (PHS:COL) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
COL Financial Group Operating Margin % Related Terms
COL Financial Group Operating Margin % Historical Data
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The historical data trend for COL Financial Group's Operating 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: Operating Margin % Comparison
For the Capital Markets subindustry, COL Financial Group's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Operating Margin % distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Operating Margin % falls into.
COL Financial Group Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
COL Financial Group's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 58.43% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on COL Financial Group and its competitors. This is near median its historical median of 53.74. Over the past decade, COL Financial Group's Operating Margin % has ranged from 39.44 to 58.81. According to the industry distribution chart, COL Financial Group ranks #114 out of 664 companies in the Capital Markets industry, placing it in the top 17.2%.
Is COL Financial Group's Operating Margin % too high?
COL Financial Group's current Operating Margin % of 58.43% is near median its 10-year median of 53.74. Over the past 10 years, this metric has ranged from a low of 39.44 to a high of 58.81. The Capital Markets industry median Operating Margin % is 6.96. COL Financial Group's value of 58.43% is 740.1% above this industry median. Based on the distribution chart, COL Financial Group ranks #114 out of 664 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 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's Operating Margin % compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #114 out of 664 companies for Operating Margin %. This places COL Financial Group in the top 17% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 6.96. COL Financial Group's value of 58.43% is 740.1% above this benchmark. Historically, COL Financial Group's own Operating Margin % has ranged from 39.44 to 58.81 over the past decade. While the company's 10-year median is 53.74 vs. the industry median of 6.96, 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 Operating Margin % for a Capital Markets company?
The median Operating Margin % among Capital Markets companies is 6.96, based on 664 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Operating Margin % of 58.43% is 740.1% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Operating Margin % is 6.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Operating Margin % is 58.43%, which is near median its own 10-year median of 53.74. 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 Operating Margin % is 58.43%, which is near median its 10-year median of 53.74 and 740.1% above the Capital Markets industry median of 6.96. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Operating Margin % is 58.43% 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:
Operating Margin %: 58.43% (near median its 10-year median of 53.74)
GF Value™: ₱1.76 vs. price of ₱1.30 (26.1% below fair value)
Industry Position: 740.1% above the Capital Markets median (#114 of 664)
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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