5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
COL Financial Group's 5-Year ROIIC % for the quarter that ended in Dec. 2025 was 4.26%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for COL Financial Group's 5-Year ROIIC % or its related term are showing as below:
PHS:COL's 5-Year ROIIC % is ranked better than 56.75% of 622
companies
in the Capital Markets industry
Industry Median: 2.32
vs PHS:COL: 4.26
COL Financial Group (PHS:COL) 5-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
COL Financial Group 5-Year ROIIC % Related Terms
COL Financial Group 5-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for COL Financial Group's 5-Year ROIIC % 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: 5-Year ROIIC % Comparison
For the Capital Markets subindustry, COL Financial Group's 5-Year ROIIC %, along with its competitors' market caps and 5-Year ROIIC % 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 5-Year ROIIC % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where COL Financial Group's 5-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 5-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
COL Financial Group (PHS:COL) has a 5-Year ROIIC % of 4.26 as of Dec. 2025. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on COL Financial Group and its competitors. According to the industry distribution chart, COL Financial Group ranks #269 out of 622 companies in the Capital Markets industry, placing it in the top 43.2%.
Is COL Financial Group's 5-Year ROIIC % too high?
COL Financial Group's current 5-Year ROIIC % is 4.26. The Capital Markets industry median 5-Year ROIIC % is 2.32. COL Financial Group's value of 4.26 is 83.6% above this industry median. Based on the distribution chart, COL Financial Group ranks #269 out of 622 companies in the Capital Markets industry, which is above the industry midpoint. Overall, COL Financial Group has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does COL Financial Group's 5-Year ROIIC % compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #269 out of 622 companies for 5-Year ROIIC %. This puts COL Financial Group in the upper half of its industry. The industry median 5-Year ROIIC % is 2.32. COL Financial Group's value of 4.26 is 83.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for a Capital Markets company?
The median 5-Year ROIIC % among Capital Markets companies is 2.32, based on 622 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current 5-Year ROIIC % of 4.26 is 83.6% 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median 5-Year ROIIC % is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current 5-Year ROIIC % is 4.26. 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 5-Year ROIIC % is 4.26 and 83.6% above the Capital Markets industry median of 2.32. COL Financial Group's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current 5-Year ROIIC % is 4.26 as of Dec. 2025. 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:
5-Year ROIIC %: 4.26
GF Value™: ₱1.77 vs. price of ₱1.34 (24.3% below fair value)
Industry Position: 83.6% above the Capital Markets median (#269 of 622)
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.
69GF Score
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