COL Financial GroupPHS:COL -2.99%74 ROA % is 4.25% as of Mar. 2026, which is 8% above its 10-year median of 3.92. GuruFocus rates PHS:COL with a GF Score™ of 74/100 and a GF Value™ of ₱1.76 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 816 Capital Markets companies, COL Financial Group ranks better than 70.1% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. COL Financial Group's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱563 Mil.
COL Financial Group's average Total Assets over the quarter that ended in Mar. 2026 was ₱13,233 Mil. Therefore, COL Financial Group's annualized ROA % for the quarter that ended in Mar. 2026 was 4.25%.
The historical rank and industry rank for COL Financial Group's ROA % or its related term are showing as below:
PHS:COL'
s ROA % Range Over the Past 10 Years
Min: 1.87 Med: 3.92 Max: 4.46
Current: 4.13
During the past 13 years, COL Financial Group's highest ROA % was 4.46%. The lowest was 1.87%. And the median was 3.92%.
PHS:COL's ROA % is ranked better than 70.1% of 816
companies
in the Capital Markets industry
Industry Median: 1.5
vs PHS:COL: 4.13
COL Financial Group (PHS:COL) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
COL Financial Group ROA % Related Terms
COL Financial Group ROA % Historical Data
* Premium members only.
The historical data trend for COL Financial Group's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's ROA % distribution charts can be found below:
* The bar in red indicates where COL Financial Group's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
COL Financial Group (PHS:COL) has a ROA % of 4.25% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 ROA % has ranged from 1.87 to 4.46. According to the industry distribution chart, COL Financial Group ranks #244 out of 816 companies in the Capital Markets industry, placing it in the top 29.9%.
Is COL Financial Group's ROA % too high?
COL Financial Group's current ROA % of 4.25% is near median its 10-year median of 3.92. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 4.46. The Capital Markets industry median ROA % is 1.50. COL Financial Group's value of 4.25% is 183.3% above this industry median. Based on the distribution chart, COL Financial Group ranks #244 out of 816 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 ROA % compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #244 out of 816 companies for ROA %. This puts COL Financial Group in the upper half of its industry. The industry median ROA % is 1.50. COL Financial Group's value of 4.25% is 183.3% above this benchmark. Historically, COL Financial Group's own ROA % has ranged from 1.87 to 4.46 over the past decade. While the company's 10-year median is 3.92 vs. the industry median of 1.50, 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 ROA % for a Capital Markets company?
The median ROA % among Capital Markets companies is 1.50, based on 816 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current ROA % of 4.25% is 183.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median ROA % is 1.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current ROA % is 4.25%, 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 ₱1.76, compared to a current price of ₱1.30 — trading 26.1% below its estimated fair value. The current ROA % is 4.25%, which is near median its 10-year median of 3.92 and 183.3% above the Capital Markets industry median of 1.50. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current ROA % is 4.25% 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:
ROA %: 4.25% (near median its 10-year median of 3.92)
GF Value™: ₱1.76 vs. price of ₱1.30 (26.1% below fair value)
Industry Position: 183.3% above the Capital Markets median (#244 of 816)
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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