COL Financial GroupPHS:COL 74 ROE % is 21.87% as of Mar. 2026, which is 9% below its 10-year median of 24.00. 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 791 Capital Markets companies, COL Financial Group ranks better than 83.31% on this metric.
The historical rank and industry rank for COL Financial Group's ROE % or its related term are showing as below:
PHS:COL'
s ROE % Range Over the Past 10 Years
Min: 12.09 Med: 24 Max: 32.05
Current: 21.14
During the past 13 years, COL Financial Group's highest ROE % was 32.05%. The lowest was 12.09%. And the median was 24.00%.
PHS:COL's ROE % is ranked better than 83.31% of 791
companies
in the Capital Markets industry
Industry Median: 6
vs PHS:COL: 21.14
COL Financial Group (PHS:COL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
COL Financial Group ROE % Related Terms
COL Financial Group ROE % Historical Data
* Premium members only.
The historical data trend for COL Financial Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's ROE % distribution charts can be found below:
* The bar in red indicates where COL Financial Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
COL Financial Group (PHS:COL) has a ROE % of 21.87% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on COL Financial Group and its competitors. This is near median its historical median of 24.00. Over the past decade, COL Financial Group's ROE % has ranged from 12.09 to 32.05. According to the industry distribution chart, COL Financial Group ranks #132 out of 791 companies in the Capital Markets industry, placing it in the top 16.7%.
Is COL Financial Group's ROE % too high?
COL Financial Group's current ROE % of 21.87% is near median its 10-year median of 24.00. Over the past 10 years, this metric has ranged from a low of 12.09 to a high of 32.05. The Capital Markets industry median ROE % is 6.00. COL Financial Group's value of 21.87% is 264.5% above this industry median. Based on the distribution chart, COL Financial Group ranks #132 out of 791 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 ROE % compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #132 out of 791 companies for ROE %. This places COL Financial Group in the top 17% of its industry — outperforming the majority of peers. The industry median ROE % is 6.00. COL Financial Group's value of 21.87% is 264.5% above this benchmark. Historically, COL Financial Group's own ROE % has ranged from 12.09 to 32.05 over the past decade. While the company's 10-year median is 24.00 vs. the industry median of 6.00, 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 ROE % for a Capital Markets company?
The median ROE % among Capital Markets companies is 6.00, based on 791 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current ROE % of 21.87% is 264.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median ROE % is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current ROE % is 21.87%, which is near median its own 10-year median of 24.00. 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 ROE % is 21.87%, which is near median its 10-year median of 24.00 and 264.5% above the Capital Markets industry median of 6.00. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current ROE % is 21.87% 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:
ROE %: 21.87% (near median its 10-year median of 24.00)
GF Value™: ₱1.76 vs. price of ₱1.30 (26.1% below fair value)
Industry Position: 264.5% above the Capital Markets median (#132 of 791)
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
Get the complete analysis for PHS:COL
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:COL has been successfully added to your 
