COL Financial Group, Inc. (PSE:COL)

COL Financial Group Statistics

Total Valuation

PSE:COL has a market cap or net worth of PHP 8.63 billion.

Market Cap	8.63B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, November 18, 2025.

Earnings Date	Nov 18, 2025
Ex-Dividend Date	May 15, 2025

Share Statistics

PSE:COL has 5.95 billion shares outstanding.

Current Share Class	5.95B
Shares Outstanding	5.95B
Shares Change (YoY)	n/a
Shares Change (QoQ)	+41.76%
Owned by Insiders (%)	60.82%
Owned by Institutions (%)	16.50%
Float	2.29B

Valuation Ratios

The trailing PE ratio is 18.44.

PE Ratio	18.44
Forward PE	n/a
PS Ratio	7.19
PB Ratio	3.48
P/TBV Ratio	3.53
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.09, with a Debt / Equity ratio of 0.02.

Current Ratio	1.09
Quick Ratio	1.09
Debt / Equity	0.02
Debt / EBITDA	n/a
Debt / FCF	-0.03
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 20.19%.

Return on Equity (ROE)	20.19%
Return on Assets (ROA)	3.53%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	8.16M
Profits Per Employee	3.40M
Employee Count	147
Asset Turnover	0.09
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:COL has paid 112.76 million in taxes.

Income Tax	112.76M
Effective Tax Rate	18.99%

Stock Price Statistics

The stock price has decreased by -11.59% in the last 52 weeks. The beta is 0.10, so PSE:COL's price volatility has been lower than the market average.

Beta (5Y)	0.10
52-Week Price Change	-11.59%
50-Day Moving Average	1.46
200-Day Moving Average	1.53
Relative Strength Index (RSI)	53.09
Average Volume (20 Days)	36,650

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSE:COL had revenue of PHP 1.20 billion and earned 500.02 million in profits. Earnings per share was 0.08.

Revenue	1.20B
Gross Profit	885.90M
Operating Income	600.25M
Pretax Income	593.88M
Net Income	500.02M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.08

Balance Sheet

The company has 9.76 billion in cash and 44.46 million in debt, giving a net cash position of 9.72 billion or 1.63 per share.

Cash & Cash Equivalents	9.76B
Total Debt	44.46M
Net Cash	9.72B
Net Cash Per Share	1.63
Equity (Book Value)	2.48B
Book Value Per Share	0.41
Working Capital	899.32M

Cash Flow

In the last 12 months, operating cash flow was -1.60 billion and capital expenditures -25.36 million, giving a free cash flow of -1.63 billion.

Operating Cash Flow	-1.60B
Capital Expenditures	-25.36M
Free Cash Flow	-1.63B
FCF Per Share	-0.27

Margins

Gross margin is 73.86%, with operating and profit margins of 50.05% and 41.69%.

Gross Margin	73.86%
Operating Margin	50.05%
Pretax Margin	49.51%
Profit Margin	41.69%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.06, which amounts to a dividend yield of 3.93%.

Dividend Per Share	0.06
Dividend Yield	3.93%
Dividend Growth (YoY)	5.61%
Years of Dividend Growth	1
Payout Ratio	18.68%
Buyback Yield	n/a
Shareholder Yield	3.93%
Earnings Yield	5.80%
FCF Yield	-18.86%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 22, 2024. It was a forward split with a ratio of 1.25.

Last Split Date	Oct 22, 2024
Split Type	Forward
Split Ratio	1.25

Scores

Altman Z-Score	n/a
Piotroski F-Score	4