Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
COL Financial Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was 16.49%.
The industry rank for COL Financial Group's 3-Year RORE % or its related term are showing as below:
PHS:COL's 3-Year RORE % is ranked better than 50.85% of 763
companies
in the Capital Markets industry
Industry Median: 15.15
vs PHS:COL: 16.49
COL Financial Group (PHS:COL) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
COL Financial Group 3-Year RORE % Related Terms
COL Financial Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for COL Financial Group's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where COL Financial Group's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
COL Financial Group (PHS:COL) has a 3-Year RORE % of 16.49 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on COL Financial Group and its competitors. According to the industry distribution chart, COL Financial Group ranks #375 out of 763 companies in the Capital Markets industry, placing it in the top 49.1%.
Is COL Financial Group's 3-Year RORE % too high?
COL Financial Group's current 3-Year RORE % is 16.49. The Capital Markets industry median 3-Year RORE % is 15.15. COL Financial Group's value of 16.49 is 8.8% above this industry median. Based on the distribution chart, COL Financial Group ranks #375 out of 763 companies in the Capital Markets industry, which is above the industry midpoint. 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 3-Year RORE % compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #375 out of 763 companies for 3-Year RORE %. This puts COL Financial Group in the upper half of its industry. The industry median 3-Year RORE % is 15.15. COL Financial Group's value of 16.49 is 8.8% 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 3-Year RORE % for a Capital Markets company?
The median 3-Year RORE % among Capital Markets companies is 15.15, based on 763 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current 3-Year RORE % of 16.49 is 8.8% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median 3-Year RORE % is 15.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current 3-Year RORE % is 16.49. 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 ₱1.30 — trading 26.6% below its estimated fair value. The current 3-Year RORE % is 16.49 and 8.8% above the Capital Markets industry median of 15.15. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current 3-Year RORE % is 16.49 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 26.6% below its estimated GF Value™ of ₱1.77.
GuruFocus considers COL Financial Group to be Modestly Undervalued.
Key valuation signals for PHS:COL:
3-Year RORE %: 16.49
GF Value™: ₱1.77 vs. price of ₱1.30 (26.6% below fair value)
Industry Position: 8.8% above the Capital Markets median (#375 of 763)
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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