COL Financial GroupPHS:COL +1.49%74 5-Year Yield-on-Cost % is 1.39 as of Jul. 06, 2026, which is 83% above its 10-year median of 0.76. 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 364 Capital Markets companies, COL Financial Group ranks worse than 73.9% on this metric.
COL Financial Group's yield on cost for the quarter that ended in Mar. 2026 was 1.39.
The historical rank and industry rank for COL Financial Group's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:COL'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.36 Med: 0.76 Max: 1.39
Current: 1.39
During the past 13 years, COL Financial Group's highest Yield on Cost was 1.39. The lowest was 0.36. And the median was 0.76.
PHS:COL's 5-Year Yield-on-Cost % is ranked worse than 73.9% of 364
companies
in the Capital Markets industry
Industry Median: 3.005
vs PHS:COL: 1.39
COL Financial Group (PHS:COL) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
COL Financial Group 5-Year Yield-on-Cost % Related Terms
PHS:COL vs MS, GS, SCHW: 5-Year Yield-on-Cost % Comparison
For the Capital Markets subindustry, COL Financial Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COL Financial Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where COL Financial Group's 5-Year Yield-on-Cost % falls into.
COL Financial Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
COL Financial Group (PHS:COL) has a 5-Year Yield-on-Cost % of 1.39 as of Jul. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on COL Financial Group and its competitors. This is 83% above median its historical median of 0.76. Over the past decade, COL Financial Group's 5-Year Yield-on-Cost % has ranged from 0.36 to 1.39. According to the industry distribution chart, COL Financial Group ranks #269 out of 364 companies in the Capital Markets industry, placing it in the top 73.9%.
Is COL Financial Group's 5-Year Yield-on-Cost % too high?
COL Financial Group's current 5-Year Yield-on-Cost % of 1.39 is 83% above median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 1.39. The Capital Markets industry median 5-Year Yield-on-Cost % is 3.01. COL Financial Group's value of 1.39 is 53.7% below this industry median. Based on the distribution chart, COL Financial Group ranks #269 out of 364 companies in the Capital Markets industry, which is below 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 5-Year Yield-on-Cost % compare to MS and GS?
According to the Capital Markets industry distribution chart, COL Financial Group ranks #269 out of 364 companies for 5-Year Yield-on-Cost %. This places COL Financial Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.01. COL Financial Group's value of 1.39 is 53.7% below this benchmark. Historically, COL Financial Group's own 5-Year Yield-on-Cost % has ranged from 0.36 to 1.39 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 3.01, COL Financial Group has consistently been below 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 5-Year Yield-on-Cost % for a Capital Markets company?
The median 5-Year Yield-on-Cost % among Capital Markets companies is 3.01, based on 364 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COL Financial Group's current 5-Year Yield-on-Cost % of 1.39 is 53.7% below 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 Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on COL Financial Group and its competitors. For the Capital Markets industry, the median 5-Year Yield-on-Cost % is 3.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COL Financial Group's current 5-Year Yield-on-Cost % is 1.39, which is 83% above median its own 10-year median of 0.76. 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 5-Year Yield-on-Cost % is 1.39, which is 83% above median its 10-year median of 0.76 and 53.7% below the Capital Markets industry median of 3.01. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For COL Financial Group (PHS:COL), the current 5-Year Yield-on-Cost % is 1.39 as of Jul. 06, 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:
5-Year Yield-on-Cost %: 1.39 (83% above median its 10-year median of 0.76)
GF Value™: ₱1.77 vs. price of ₱1.36 (23.2% below fair value)
Industry Position: 53.7% below the Capital Markets median (#269 of 364)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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