COL Financial GroupPHS:COL 74 Return-on-Tangible-Asset is 4.26% as of Mar. 2026, which is 9% above its 10-year median of 3.92. GuruFocus rates PHS:COL with a GF Score™ of 74/100 and a GF Value™ of ₱1.77 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 815 Capital Markets companies, COL Financial Group ranks better than 69.33% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. COL Financial Group's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱563 Mil. COL Financial Group's average total tangible assets for the quarter that ended in Mar. 2026 was ₱13,216 Mil. Therefore, COL Financial Group's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 4.26%.
The historical rank and industry rank for COL Financial Group's Return-on-Tangible-Asset or its related term are showing as below:
PHS:COL'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.88 Med: 3.92 Max: 4.47
Current: 4.14
During the past 13 years, COL Financial Group's highest Return-on-Tangible-Asset was 4.47%. The lowest was 1.88%. And the median was 3.92%.
PHS:COL's Return-on-Tangible-Asset is ranked better than 69.33% of 815
companies
in the Capital Markets industry
Industry Median: 1.54
vs PHS:COL: 4.14
COL Financial Group (PHS:COL) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
COL Financial Group Return-on-Tangible-Asset Related Terms
COL Financial Group Return-on-Tangible-Asset Historical Data
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The historical data trend for COL Financial Group's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
PHS:COL vs MS, GS, SCHW: Return-on-Tangible-Asset Comparison
For the Capital Markets subindustry, COL Financial Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where COL Financial Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.26% mean?
COL Financial Group (PHS:COL) has a Return-on-Tangible-Asset of 4.26% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on COL Financial Group and its competitors. This is near median its historical median of 3.92. Over the past decade, COL Financial Group's Return-on-Tangible-Asset has ranged from 1.88 to 4.47. According to the industry distribution chart, COL Financial Group ranks #250 out of 815 companies in the Capital Markets industry, placing it in the top 30.7%.
Is COL Financial Group's Return-on-Tangible-Asset too high?
COL Financial Group's current Return-on-Tangible-Asset of 4.26% is near median its 10-year median of 3.92. Over the past 10 years, this metric has ranged from a low of 1.88 to a high of 4.47. The Capital Markets industry median Return-on-Tangible-Asset is 1.54. COL Financial Group's value of 4.26% is 176.6% above this industry median. Based on the distribution chart, COL Financial Group ranks #250 out of 815 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 Return-on-Tangible-Asset compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #250 out of 815 companies for Return-on-Tangible-Asset. This puts COL Financial Group in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.54. COL Financial Group's value of 4.26% is 176.6% above this benchmark. Historically, COL Financial Group's own Return-on-Tangible-Asset has ranged from 1.88 to 4.47 over the past decade. While the company's 10-year median is 3.92 vs. the industry median of 1.54, 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 Return-on-Tangible-Asset for a Capital Markets company?
The median Return-on-Tangible-Asset among Capital Markets companies is 1.54, based on 815 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current Return-on-Tangible-Asset of 4.26% is 176.6% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median Return-on-Tangible-Asset is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current Return-on-Tangible-Asset is 4.26%, which is near median its own 10-year median of 3.92. 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 ₱1.36 — trading 23.2% below its estimated fair value. The current Return-on-Tangible-Asset is 4.26%, which is near median its 10-year median of 3.92 and 176.6% above the Capital Markets industry median of 1.54. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current Return-on-Tangible-Asset is 4.26% 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 ₱1.36 is trading 23.2% below its estimated GF Value™ of ₱1.77.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
Return-on-Tangible-Asset: 4.26% (near median its 10-year median of 3.92)
GF Value™: ₱1.77 vs. price of ₱1.36 (23.2% below fair value)
Industry Position: 176.6% above the Capital Markets median (#250 of 815)
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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