COL Financial GroupPHS:COL +0.75%65 PB Ratio is 3.02 as of Jul. 01, 2026, which is 45% below its 10-year median of 5.49. GuruFocus rates PHS:COL with a GF Score™ of 65/100 and a GF Value™ of ₱1.77 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 782 Capital Markets companies, COL Financial Group ranks worse than 76.47% on this metric.
COL Financial Group Inc stock PB Ratio (=3) is close to 10-year low of 2.93.
The historical rank and industry rank for COL Financial Group's PB Ratio or its related term are showing as below:
PHS:COL'
s PB Ratio Range Over the Past 10 Years
Min: 2.93 Med: 5.49 Max: 12.53
Current: 3.02
During the past 13 years, COL Financial Group's highest PB Ratio was 12.53. The lowest was 2.93. And the median was 5.49.
PHS:COL's PB Ratio is ranked worse than 76.47% of 782
companies
in the Capital Markets industry
Industry Median: 1.34
vs PHS:COL: 3.02
During the past 12 months, COL Financial Group's average Book Value Per Share Growth Rate was 6.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of COL Financial Group was 21.00% per year. The lowest was -1.50% per year. And the median was 6.30% per year.
Back to Basics: PB Ratio
COL Financial Group (PHS:COL) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
COL Financial Group PB Ratio Related Terms
COL Financial Group PB Ratio Historical Data
* Premium members only.
The historical data trend for COL Financial Group's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where COL Financial Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
COL Financial Group (PHS:COL) has a PB Ratio of 3.02 as of Jul. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on COL Financial Group and its competitors. This is 45% below median its historical median of 5.49. Over the past decade, COL Financial Group's PB Ratio has ranged from 2.93 to 12.53. According to the industry distribution chart, COL Financial Group ranks #598 out of 782 companies in the Capital Markets industry, placing it in the top 76.5%.
Is COL Financial Group's PB Ratio too high?
COL Financial Group's current PB Ratio of 3.02 is 45% below median its 10-year median of 5.49. Over the past 10 years, this metric has ranged from a low of 2.93 to a high of 12.53. The Capital Markets industry median PB Ratio is 1.34. COL Financial Group's value of 3.02 is 125.4% above this industry median. Based on the distribution chart, COL Financial Group ranks #598 out of 782 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, COL Financial Group has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's PB Ratio compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #598 out of 782 companies for PB Ratio. This places COL Financial Group in the lower half of its industry. The industry median PB Ratio is 1.34. COL Financial Group's value of 3.02 is 125.4% above this benchmark. Historically, COL Financial Group's own PB Ratio has ranged from 2.93 to 12.53 over the past decade. While the company's 10-year median is 5.49 vs. the industry median of 1.34, 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 PB Ratio for a Capital Markets company?
The median PB Ratio among Capital Markets companies is 1.34, based on 782 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current PB Ratio of 3.02 is 125.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median PB Ratio is 1.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current PB Ratio is 3.02, which is 45% below median its own 10-year median of 5.49. 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 ₱1.34 — trading 24.3% below its estimated fair value. The current PB Ratio is 3.02, which is 45% below median its 10-year median of 5.49 and 125.4% above the Capital Markets industry median of 1.34. COL Financial Group's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current PB Ratio is 3.02 as of Jul. 01, 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 ₱1.34 is trading 24.3% below its estimated GF Value™ of ₱1.77.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
PB Ratio: 3.02 (45% below median its 10-year median of 5.49)
GF Value™: ₱1.77 vs. price of ₱1.34 (24.3% below fair value)
Industry Position: 125.4% above the Capital Markets median (#598 of 782)
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.
65GF Score
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