Recent Insider Transactions • Jul 01
Chairman & Founder recently bought ₱149k worth of stock On the 26th of June, Edward Lee bought around 112k shares on-market at roughly ₱1.33 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱965k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱4.4m worth in shares. Announcement • Jul 01
COL Financial Group, Inc. Announces Executive Changes, Effective July 1, 2026 COL Financial Group, Inc. announced that Ralph Jacob A. Chua is promoted to Head of I.T. Products. The company also announced that Gabriel Jose E. Mendiola is promoted from Head of Software Development to Head of Software Development (Vice President). The effective date for both promotions was July 1, 2026. Recent Insider Transactions • Jun 28
Chairman & Founder recently bought ₱965k worth of stock On the 19th of June, Edward Lee bought around 719k shares on-market at roughly ₱1.34 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱4.2m worth in shares. Recent Insider Transactions • Jun 12
Chairman & Founder recently bought ₱79k worth of stock On the 10th of June, Edward Lee bought around 60k shares on-market at roughly ₱1.32 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.3m worth in shares. Recent Insider Transactions • Jun 05
Chairman & Founder recently bought ₱65k worth of stock On the 1st of June, Edward Lee bought around 50k shares on-market at roughly ₱1.30 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.3m worth in shares. Reported Earnings • May 20
First quarter 2026 earnings released: EPS: ₱0.02 (vs ₱0.022 in 1Q 2025) First quarter 2026 results: EPS: ₱0.02. Revenue: ₱309.3m (up 12% from 1Q 2025). Net income: ₱140.7m (up 7.0% from 1Q 2025). Profit margin: 46% (down from 48% in 1Q 2025). The decrease in margin was driven by higher expenses. Recent Insider Transactions • May 12
Insider recently sold ₱813k worth of stock On the 7th of May, Catherine Ong sold around 625k shares on-market at roughly ₱1.30 per share. This transaction amounted to 1.1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought ₱3.3m more than they sold in the last 12 months. Declared Dividend • May 02
Dividend of ₱0.058 announced Shareholders will receive a dividend of ₱0.058. Ex-date: 14th May 2026 Payment date: 4th June 2026 Dividend yield will be 4.2%, which is higher than the industry average of 2.6%. Sustainability & Growth Dividend is covered by earnings (19% earnings payout ratio) but not covered by cash flows (dividend approximately 5x free cash flows). The dividend has increased by an average of 3.2% per year over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 3.9% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • May 01
COL Financial Group, Inc. announces Annual dividend, payable on June 04, 2026 COL Financial Group, Inc. announced Annual dividend of PHP 0.0194 per share payable on June 04, 2026, ex-date on May 14, 2026 and record date on May 15, 2026. Reported Earnings • Apr 07
Full year 2025 earnings released: EPS: ₱0.09 (vs ₱0.082 in FY 2024) Full year 2025 results: EPS: ₱0.09 (up from ₱0.082 in FY 2024). Revenue: ₱1.17b (down 2.0% from FY 2024). Net income: ₱514.8m (up 5.9% from FY 2024). Profit margin: 44% (up from 41% in FY 2024). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 17% per year, which means it is significantly lagging earnings. Recent Insider Transactions • Mar 11
Chairman & Founder recently bought ₱56k worth of stock On the 5th of March, Edward Lee bought around 40k shares on-market at roughly ₱1.39 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱269k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.6m worth in shares. Recent Insider Transactions • Mar 07
Chairman & Founder recently bought ₱68k worth of stock On the 27th of February, Edward Lee bought around 50k shares on-market at roughly ₱1.37 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱269k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.6m worth in shares. Recent Insider Transactions • Feb 07
Chairman & Founder recently bought ₱106k worth of stock On the 30th of January, Edward Lee bought around 76k shares on-market at roughly ₱1.40 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱269k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.8m worth in shares. Recent Insider Transactions • Jan 21
Vice-Chairman recently bought ₱269k worth of stock On the 19th of January, Alexander Yu bought around 205k shares on-market at roughly ₱1.31 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Alexander's only on-market trade for the last 12 months. Announcement • Jan 05
COL Financial Group, Inc. Announces Executive Changes COL Financial Group, Inc. held a meeting of the Board of Directors on January 5, 2026, and approved the following resolutions: Appointment of Mr. Mark Jasson C. Ilao as Head of Strategic Execution effective on January 5, 2026. Mr. Ilao is a seasoned capital markets and wealth management professional with over a decade of broad industry exposure across buy-side, sell-side, and digital financial platforms. He previously served as the Head of Capital Markets at Globe Fintech Innovations Inc. (parent company of GCash), leading investor relations and strategic banking partnerships, and earlier held wealth management leadership roles, helping scale the company’s wealth business to millions of users through product expansion, platform improvements, and financial literacy programs. Before joining GCash, Mark headed the funds distribution business at COL Financial, where he launched the Philippines’ first online fund distribution platform and contributed to several of the company’s strategic growth initiatives. He began his career at BDO Trust and Investments Group, working across equities, fixed income, and macroeconomic research. Mark holds both the CFA and CIPM designations and previously served as a Board Member of CFA Society Philippines. He graduated magna cum laude with a degree in Management Engineering from the Ateneo de Manila University. The company accepted the resignation of Atty. Sharon T. Lim as VP – Head of Legal & Compliance/Compliance Officer/Corporate Secretary/Member of the Nomination Committee effective on January 10, 2026. The company appointed Atty. Stephanie Faye B. Reyes as Compliance Officer/Corporate Secretary/Member of the Nomination Committee effective on January 10, 2026. Atty. Reyes started with the Corporation as its Legal Manager, and was later appointed as Senior Legal Manager, then Deputy Head of Legal. She was appointed as Assistant Corporate Secretary in 2018, and serves as the Assistant Corporate Secretary of COL Equity Index Unitized Mutual Fund, Inc., COL Strategic Growth Equity Unitized Mutual Fund, Inc., and COL Investment Management, Inc. She previously worked in Paredes Garcia & Golez Law Office and Chan Robles and Associates. She graduated with a Juris Doctor degree from the University of the Philippines College of Law and a degree in AB Interdisciplinary Studies from the Ateneo de Manila University. She was admitted to the Philippine Bar in 2015 and is a licensed Associated Person. Reported Earnings • Nov 20
Third quarter 2025 earnings released Third quarter 2025 results: Revenue: ₱335.7m (up 6.2% from 3Q 2024). Net income: ₱175.6m (up 5.4% from 3Q 2024). Profit margin: 52% (in line with 3Q 2024). Announcement • Nov 18
COL Financial Group, Inc., Annual General Meeting, Apr 30, 2026 COL Financial Group, Inc., Annual General Meeting, Apr 30, 2026, at 14:00 W. Australia Standard Time. Location: livestream (link to be provided), Philippines Recent Insider Transactions • Oct 02
Chairman & Founder recently bought ₱289k worth of stock On the 29th of September, Edward Lee bought around 200k shares on-market at roughly ₱1.44 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱1.6m. Edward has been a buyer over the last 12 months, purchasing a net total of ₱4.1m worth in shares. Recent Insider Transactions • Sep 16
Chairman & Founder recently bought ₱737k worth of stock On the 12th of September, Edward Lee bought around 495k shares on-market at roughly ₱1.49 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱1.6m. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.8m worth in shares. Recent Insider Transactions • Sep 10
Chairman & Founder recently bought ₱1.6m worth of stock On the 4th of September, Edward Lee bought around 1m shares on-market at roughly ₱1.52 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.1m worth in shares. Reported Earnings • Aug 20
Second quarter 2025 earnings released: EPS: ₱0.021 (vs ₱0.024 in 2Q 2024) Second quarter 2025 results: EPS: ₱0.021 (down from ₱0.024 in 2Q 2024). Revenue: ₱286.4m (flat on 2Q 2024). Net income: ₱124.4m (down 7.3% from 2Q 2024). Profit margin: 43% (down from 47% in 2Q 2024). Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has fallen by 19% per year, which means it is significantly lagging earnings. Announcement • Jul 02
COL Financial Group, Inc. Announces Appointment of Melvin J. Esteban as Head of Wealth Management, Effective July 1, 2025 COL Financial Group, Inc. announced the appointment of Melvin J. Esteban as Head of Wealth Management, effective July 1, 2025. Mr. Melvin J. Esteban is the first and only Filipino recipient of the Young ASEAN Manager Award (YAMA), conferred in Kuala Lumpur, Malaysia. He is also the first and only Filipino to have chaired the ASEAN Insurance Congress, a premier regional forum for insurance and financial leaders. He is a Fellow of the Life Management Institute (FLMI) with Distinction and holds multiple international designations, including Certified Financial Planner (CFP®), Registered Financial Planner (RFP) accredited by the Registered Financial Planning Institute in the USA, and Certified Financial Consultant (CFC) awarded with High Distinction by the Institute of Financial Consultants in Canada. With nearly three decades of experience in the financial services industry, Mr. Esteban has demonstrated leadership and expertise in Fund Management, Marketing, Product Development, Strategic Business Development, Profit Center Management, and Workplace Learning and Development. He served as Head of Wealth Management Specialists and Soliciting Official for Citibank N.A. in North America, and as Senior Consultant for Citibank Malaysia. Mr. Esteban holds a Bachelor of Science degree in Mathematics from the University of the Philippines, with minors in operations research, actuarial sciences, C programming, and physics. His academic credentials include postgraduate studies at the College of Financial Planning in Colorado, USA, completion of the Managing Family Corporations for Succession Planning program at the Asian Institute of Management, and a Post-Baccalaureate Diploma in Workplace Learning and Development with Distinction from De La Salle University, Philippines. Reported Earnings • May 21
First quarter 2025 earnings released: EPS: ₱0.02 (vs ₱0.02 in 1Q 2024) First quarter 2025 results: EPS: ₱0.02 (in line with 1Q 2024). Revenue: ₱275.3m (down 3.8% from 1Q 2024). Net income: ₱131.5m (up 13% from 1Q 2024). Profit margin: 48% (up from 41% in 1Q 2024). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has fallen by 18% per year, which means it is significantly lagging earnings. Recent Insider Transactions • May 10
Chairman & Founder recently bought ₱67k worth of stock On the 2nd of May, Edward Lee bought around 42k shares on-market at roughly ₱1.60 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱323k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱1.2m worth in shares. Declared Dividend • Apr 27
Dividend of ₱0.055 announced Shareholders will receive a dividend of ₱0.055. Ex-date: 15th May 2025 Payment date: 4th June 2025 Dividend yield will be 3.6%, which is higher than the industry average of 2.6%. Sustainability & Growth Dividend is covered by both earnings (20% earnings payout ratio) and cash flows (88% cash payout ratio). The dividend has increased over the past 10 years. However, payments have been volatile during that time. Earnings per share has grown by 1.2% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Reported Earnings • Mar 28
Full year 2024 earnings released: EPS: ₱0.08 (vs ₱0.072 in FY 2023) Full year 2024 results: EPS: ₱0.08 (up from ₱0.072 in FY 2023). Revenue: ₱1.19b (up 9.6% from FY 2023). Net income: ₱486.3m (up 14% from FY 2023). Profit margin: 41% (up from 39% in FY 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 20% per year, which means it is significantly lagging earnings. Recent Insider Transactions • Mar 12
Chairman & Founder recently bought ₱323k worth of stock On the 5th of March, Edward Lee bought around 202k shares on-market at roughly ₱1.60 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱1.7m worth in shares. Recent Insider Transactions • Mar 01
Chairman & Founder recently bought ₱64k worth of stock On the 21st of February, Edward Lee bought around 40k shares on-market at roughly ₱1.61 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱185k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.4m worth in shares. Recent Insider Transactions • Feb 12
Chairman & Founder recently bought ₱114k worth of stock On the 7th of February, Edward Lee bought around 73k shares on-market at roughly ₱1.56 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱185k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.4m worth in shares. Recent Insider Transactions • Jan 31
Chairman & Founder recently bought ₱82k worth of stock On the 24th of January, Edward Lee bought around 50k shares on-market at roughly ₱1.64 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱185k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.9m worth in shares. Recent Insider Transactions • Jan 09
Chairman & Founder recently bought ₱61k worth of stock On the 3rd of January, Edward Lee bought around 37k shares on-market at roughly ₱1.65 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱185k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.8m worth in shares. Recent Insider Transactions • Jan 03
Chairman & Founder recently bought ₱185k worth of stock On the 27th of December, Edward Lee bought around 110k shares on-market at roughly ₱1.68 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.8m worth in shares. Reported Earnings • Nov 19
Third quarter 2024 earnings released: EPS: ₱0.04 (vs ₱0.024 in 3Q 2023) Third quarter 2024 results: EPS: ₱0.04 (up from ₱0.024 in 3Q 2023). Revenue: ₱316.0m (up 24% from 3Q 2023). Net income: ₱166.6m (up 30% from 3Q 2023). Profit margin: 53% (up from 50% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has fallen by 19% per year, which means it is performing significantly worse than earnings. Announcement • Nov 15
COL Financial Group, Inc., Annual General Meeting, Apr 25, 2025 COL Financial Group, Inc., Annual General Meeting, Apr 25, 2025, at 14:00 W. Australia Standard Time. Location: livestream (link to be provided), Philippines Recent Insider Transactions • Oct 09
VP & Head of Client Services recently bought ₱4.1m worth of stock On the 3rd of October, Joyce Chan bought around 2m shares on-market at roughly ₱2.21 per share. This transaction amounted to 46% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold ₱78m more in shares than they bought in the last 12 months. Recent Insider Transactions • Oct 02
Vice-Chairman recently bought ₱429k worth of stock On the 24th of September, Alexander Yu bought around 195k shares on-market at roughly ₱2.20 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Alexander has been a buyer over the last 12 months, purchasing a net total of ₱6.3m worth in shares. Recent Insider Transactions • Sep 14
Chairman & Founder recently bought ₱172k worth of stock On the 10th of September, Edward Lee bought around 78k shares on-market at roughly ₱2.20 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱4.3m worth in shares. Announcement • Aug 20
COL Financial Group, Inc. Announces Board Changes COL Financial Group, Inc. board at its meeting held on August 16, 2024 announced acceptance of the resignation of Mr. Obara as Director. And election of Mr. Kosuke Mizuno as Director and to serve for the remainder of the term of Mr. Sohei Obara. Mr. Kosuke Mizuno is currently appointed as Head of Asia & Oceania within Daiwa Securities Group Inc. Mr. Mizuno has spent 32 years working in the securities industry in countries all across the globe, namely, Hong Kong, Singapore, Japan, and the United States. He has held various senior positions within the Daiwa group and has acquired extensive business knowledge and supervisory experience with respect to business management. He graduated from Keio University in 1992 with a Bachelor of Arts Degree in Economics and completed the Stanford Executive Program in 2023 at Stanford Business School. Reported Earnings • Aug 20
Second quarter 2024 earnings released: EPS: ₱0.03 (vs ₱0.02 in 2Q 2023) Second quarter 2024 results: EPS: ₱0.03 (up from ₱0.02 in 2Q 2023). Revenue: ₱286.0m (up 12% from 2Q 2023). Net income: ₱134.3m (up 14% from 2Q 2023). Profit margin: 47% (in line with 2Q 2023). Over the last 3 years on average, earnings per share has fallen by 18% per year whereas the company’s share price has fallen by 19% per year. Recent Insider Transactions • Jun 20
Chairman & Founder recently bought ₱68k worth of stock On the 13th of June, Edward Lee bought around 30k shares on-market at roughly ₱2.28 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱674k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱5.4m worth in shares. Reported Earnings • May 21
First quarter 2024 earnings released: EPS: ₱0.02 (vs ₱0.033 in 1Q 2023) First quarter 2024 results: EPS: ₱0.02 (down from ₱0.033 in 1Q 2023). Revenue: ₱286.3m (down 9.4% from 1Q 2023). Net income: ₱116.3m (down 27% from 1Q 2023). Profit margin: 41% (down from 50% in 1Q 2023). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 26% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings. Declared Dividend • Apr 29
Dividend increased to ₱0.065 Dividend of ₱0.065 is 55% higher than last year. Ex-date: 16th May 2024 Payment date: 5th June 2024 Dividend yield will be 2.8%, which is higher than the industry average of 2.6%. Sustainability & Growth Dividend is covered by earnings (12% earnings payout ratio) but the company has no free cash flows available, indicating it may be using cash reserves or debt to pay the dividend. The dividend has decreased over the past 10 years, indicating a lack of growth and stability in payments. The company's earnings per share (EPS) would need to decline by 86% to shift the payout ratio to a potentially unsustainable range, which is more than the 3.6% EPS decline seen over the last 5 years. New Risk • Apr 11
New minor risk - Insider selling There has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: ₱24m This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 6.9% per year over the past 5 years. Minor Risk Significant insider selling over the past 3 months (₱24m sold). Recent Insider Transactions • Apr 10
Insider recently sold ₱24m worth of stock On the 5th of April, Catherine Ong sold around 10m shares on-market at roughly ₱2.37 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of ₱13m more than they bought in the last 12 months. Reported Earnings • Apr 02
Full year 2023 earnings released: EPS: ₱0.09 (vs ₱0.051 in FY 2022) Full year 2023 results: EPS: ₱0.09 (up from ₱0.051 in FY 2022). Revenue: ₱1.09b (up 31% from FY 2022). Net income: ₱426.6m (up 75% from FY 2022). Profit margin: 39% (up from 29% in FY 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 23% per year but the company’s share price has only fallen by 17% per year, which means it has not declined as severely as earnings. Recent Insider Transactions • Mar 19
Chairman & Founder recently bought ₱587k worth of stock On the 12th of March, Edward Lee bought around 242k shares on-market at roughly ₱2.43 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱1.4m. Edward has been a buyer over the last 12 months, purchasing a net total of ₱6.0m worth in shares. Recent Insider Transactions • Mar 06
Vice-Chairman recently bought ₱504k worth of stock On the 28th of February, Alexander Yu bought around 210k shares on-market at roughly ₱2.40 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱1.4m. Alexander has been a buyer over the last 12 months, purchasing a net total of ₱4.5m worth in shares. Announcement • Feb 16
COL Financial Group, Inc., Annual General Meeting, Apr 26, 2024 COL Financial Group, Inc., Annual General Meeting, Apr 26, 2024, at 14:00 Singapore Standard Time. Agenda: To consider As approved by a majority of the Board of Directors, the Company will be conducting the annual stockholders' meeting by remote communication; to consider In light of the recent correspondence from its subsidiary, COL Securities (HK) Limited, on its intended cessation of brokerage business, the appointment of authorized representatives to vote the Company's shares approving such closure at any meeting called for the purpose; to consider other matters if any. Recent Insider Transactions • Jan 10
Vice-Chairman recently bought ₱360k worth of stock On the 3rd of January, Alexander Yu bought around 140k shares on-market at roughly ₱2.57 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱818k. Alexander has been a buyer over the last 12 months, purchasing a net total of ₱876k worth in shares. Recent Insider Transactions • Dec 22
Vice-Chairman recently bought ₱230k worth of stock On the 18th of December, Alexander Yu bought around 92k shares on-market at roughly ₱2.50 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱818k. Alexander has been a buyer over the last 12 months, purchasing a net total of ₱556k worth in shares. Recent Insider Transactions • Dec 09
Vice-Chairman recently bought ₱90k worth of stock On the 6th of December, Alexander Yu bought around 35k shares on-market at roughly ₱2.58 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth ₱16m. Alexander has been a buyer over the last 12 months, purchasing a net total of ₱326k worth in shares. Reported Earnings • Nov 21
Third quarter 2023 earnings released: EPS: ₱0.03 (vs ₱0.015 in 3Q 2022) Third quarter 2023 results: EPS: ₱0.03 (up from ₱0.015 in 3Q 2022). Revenue: ₱255.7m (up 28% from 3Q 2022). Net income: ₱128.3m (up 86% from 3Q 2022). Profit margin: 50% (up from 35% in 3Q 2022). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has increased by 1% per year, which means it is well ahead of earnings. Recent Insider Transactions • Nov 14
Chairman & Founder recently bought ₱171k worth of stock On the 9th of November, Edward Lee bought around 60k shares on-market at roughly ₱2.84 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱16m. Edward has been a buyer over the last 12 months, purchasing a net total of ₱5.9m worth in shares. Recent Insider Transactions • Oct 20
Chairman & Founder recently bought ₱818k worth of stock On the 18th of October, Edward Lee bought around 282k shares on-market at roughly ₱2.90 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱16m. Edward has been a buyer over the last 12 months, purchasing a net total of ₱5.7m worth in shares. Announcement • Sep 29
COL Financial Group, Inc. announced that it expects to receive funding from Daiwa Securities Group Inc. COL Financial Group, Inc. announced that it will raise an equity round of funding on September 28, 2023. The transaction will include participation from returning investor, Daiwa Securities Group Inc. Recent Insider Transactions • Sep 06
Chairman & Founder recently bought ₱114k worth of stock On the 4th of September, Edward Lee bought around 38k shares on-market at roughly ₱3.01 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱689k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱4.0m worth in shares. Reported Earnings • Aug 19
Second quarter 2023 earnings released: EPS: ₱0.02 (vs ₱0.01 in 2Q 2022) Second quarter 2023 results: EPS: ₱0.02 (up from ₱0.01 in 2Q 2022). Revenue: ₱255.2m (up 49% from 2Q 2022). Net income: ₱118.3m (up 141% from 2Q 2022). Profit margin: 46% (up from 29% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings. Recent Insider Transactions • Aug 15
Chairman & Founder recently bought ₱256k worth of stock On the 11th of August, Edward Lee bought around 85k shares on-market at roughly ₱3.01 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱689k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.8m worth in shares. Recent Insider Transactions • Jun 30
Chairman & Founder recently bought ₱177k worth of stock On the 27th of June, Edward Lee bought around 60k shares on-market at roughly ₱2.96 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱689k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱3.5m worth in shares. Recent Insider Transactions • Jun 08
Insider recently sold ₱1.5m worth of stock On the 5th of June, Catherine Ong sold around 500k shares on-market at roughly ₱3.06 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought ₱455k more than they sold in the last 12 months. Recent Insider Transactions • May 24
Chairman & Founder recently bought ₱487k worth of stock On the 17th of May, Edward Lee bought around 157k shares on-market at roughly ₱3.10 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.8m worth in shares. Reported Earnings • May 20
First quarter 2023 earnings released First quarter 2023 results: Revenue: ₱315.9m (up 37% from 1Q 2022). Net income: ₱158.3m (up 75% from 1Q 2022). Profit margin: 50% (up from 39% in 1Q 2022). The increase in margin was driven by higher revenue. Upcoming Dividend • May 04
Upcoming dividend of ₱0.042 per share at 2.9% yield Eligible shareholders must have bought the stock before 11 May 2023. Payment date: 02 June 2023. Payout ratio is a comfortable 55% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of Filipino dividend payers (5.8%). Higher than average of industry peers (2.5%). Reported Earnings • Mar 31
Full year 2022 earnings released: EPS: ₱0.05 (vs ₱0.12 in FY 2021) Full year 2022 results: EPS: ₱0.05 (down from ₱0.12 in FY 2021). Revenue: ₱831.0m (down 37% from FY 2021). Net income: ₱244.0m (down 58% from FY 2021). Profit margin: 29% (down from 44% in FY 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has increased by 24% per year, which means it is well ahead of earnings. Recent Insider Transactions • Mar 10
Chairman & Founder recently bought ₱109k worth of stock On the 6th of March, Edward Lee bought around 35k shares on-market at roughly ₱3.11 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱989k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.3m worth in shares. Recent Insider Transactions • Feb 15
Chairman & Founder recently bought ₱101k worth of stock On the 9th of February, Edward Lee bought around 32k shares on-market at roughly ₱3.17 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth ₱989k. Edward has been a buyer over the last 12 months, purchasing a net total of ₱2.2m worth in shares. Recent Insider Transactions • Jan 27
Chairman & Founder recently bought ₱544k worth of stock On the 19th of January, Edward Lee bought around 169k shares on-market at roughly ₱3.22 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱1.1m worth in shares. Recent Insider Transactions • Dec 20
Insider recently sold ₱666k worth of stock On the 16th of December, Juan Jaime Barredo sold around 205k shares on-market at roughly ₱3.25 per share. This transaction amounted to 2.0% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought ₱1.4m more than they sold in the last 12 months. Valuation Update With 7 Day Price Move • Dec 06
Investor sentiment improved over the past week After last week's 15% share price gain to ₱3.40, the stock trades at a trailing P/E ratio of 78x. Average trailing P/E is 60x in the Capital Markets industry in Philippines. Total returns to shareholders of 97% over the past three years. Reported Earnings • Nov 17
Third quarter 2022 earnings released: EPS: ₱0.01 (vs ₱0.02 in 3Q 2021) Third quarter 2022 results: EPS: ₱0.01 (down from ₱0.02 in 3Q 2021). Revenue: ₱199.8m (down 15% from 3Q 2021). Net income: ₱69.1m (down 34% from 3Q 2021). Profit margin: 35% (down from 44% in 3Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 7% per year but the company’s share price has increased by 20% per year, which means it is well ahead of earnings. Board Change • Nov 16
Less than half of directors are independent Following the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 8 non-independent directors. Independent Director Betty Siy-Yap was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Recent Insider Transactions • Oct 29
Vice-Chairman recently bought ₱79k worth of stock On the 27th of October, Alexander Yu bought around 25k shares on-market at roughly ₱3.14 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Alexander has been a buyer over the last 12 months, purchasing a net total of ₱1.8m worth in shares. Recent Insider Transactions • Sep 24
Insider recently sold ₱64k worth of stock On the 21st of September, Juan Jaime Barredo sold around 19k shares on-market at roughly ₱3.39 per share. This transaction amounted to less than 1% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought ₱2.2m more than they sold in the last 12 months. Reported Earnings • Aug 18
Second quarter 2022 earnings released: EPS: ₱0.01 (vs ₱0.02 in 2Q 2021) Second quarter 2022 results: EPS: ₱0.01 (down from ₱0.02 in 2Q 2021). Revenue: ₱171.4m (down 26% from 2Q 2021). Net income: ₱49.2m (down 57% from 2Q 2021). Profit margin: 29% (down from 50% in 2Q 2021). The decrease in margin was primarily driven by lower revenue. Over the last 3 years on average, earnings per share has remained flat but the company’s share price has increased by 23% per year, which means it is well ahead of earnings. Announcement • Aug 16
COL Financial Group, Inc. Announces Board Changes COL Financial Group, Inc. at its board meeting held on August 15, 2022 announced resignation of Seiji Okita as Director and election of Sohei Obara as Director and to serve for the remainder of the term. Sohei Obara currently belongs to the Global Business Development Section in International Business Planning Department of Daiwa Securities Group, Inc., where he promotes international alliance and investment strategy. He has extensive experience in the Retail Sales, Corporate Planning and Risk Management since he started his career in Daiwa Securities Group Inc. in 2007. He graduated with his Bachelor of Physics from Tokyo University of Agriculture and Technology. Reported Earnings • May 22
First quarter 2022 earnings released: EPS: ₱0.02 (vs ₱0.077 in 1Q 2021) First quarter 2022 results: EPS: ₱0.02 (down from ₱0.077 in 1Q 2021). Revenue: ₱230.7m (down 61% from 1Q 2021). Net income: ₱90.5m (down 75% from 1Q 2021). Profit margin: 39% (down from 62% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 24% per year, which means it is tracking significantly ahead of earnings growth. Upcoming Dividend • May 04
Upcoming dividend of ₱0.085 per share Eligible shareholders must have bought the stock before 11 May 2022. Payment date: 02 June 2022. Payout ratio is a comfortable 16% but the company is not cash flow positive. Trailing yield: 1.8%. Lower than top quartile of Filipino dividend payers (4.7%). Lower than average of industry peers (3.0%). Board Change • Apr 27
Less than half of directors are independent Following the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 8 non-independent directors. Independent Director Betty Siy-Yap was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Announcement • Feb 18
COL Financial Group, Inc., Annual General Meeting, Apr 27, 2022 COL Financial Group, Inc., Annual General Meeting, Apr 27, 2022, at 14:00 Singapore Standard Time. Reported Earnings • Nov 21
Third quarter 2021 earnings released: EPS ₱0.02 (vs ₱0.019 in 3Q 2020) The company reported a solid third quarter result with improved earnings and revenues, although profit margins were flat. Third quarter 2021 results: Revenue: ₱236.1m (up 12% from 3Q 2020). Net income: ₱104.0m (up 12% from 3Q 2020). Profit margin: 44% (in line with 3Q 2020). Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has increased by 38% per year, which means it is tracking significantly ahead of earnings growth. Recent Insider Transactions • Sep 29
Director recently sold ₱1.3b worth of stock On the 24th of September, Paulwell Han sold around 300m shares on-market at roughly ₱4.30 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of ₱1.2b more than they bought in the last 12 months. Recent Insider Transactions • Sep 25
Director recently bought ₱430k worth of stock On the 16th of September, Raymond Yu bought around 100k shares on-market at roughly ₱4.30 per share. In the last 3 months, there was an even bigger purchase from another insider worth ₱1.4m. Insiders have collectively bought ₱46m more in shares than they have sold in the last 12 months. Executive Departure • Aug 26
Director Hokushin Kido has left the company On the 17th of August, Hokushin Kido's tenure as Director ended after 4.3 years in the role. As of June 2021, Hokushin still personally held only 10.00 shares (₱44.0 worth at the time). A total of 3 executives have left over the last 12 months. The current median tenure of the management team is less than a year, which is considered inexperienced in the Simply Wall St Risk Model. Reported Earnings • Aug 22
Second quarter 2021 earnings released: EPS ₱0.02 (vs ₱0.026 in 2Q 2020) The company reported a soft second quarter result with weaker earnings and revenues, although profit margins were improved. Second quarter 2021 results: Revenue: ₱229.9m (down 14% from 2Q 2020). Net income: ₱114.6m (down 6.4% from 2Q 2020). Profit margin: 50% (up from 46% in 2Q 2020). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 38% per year, which means it is tracking significantly ahead of earnings growth. Recent Insider Transactions • Aug 18
Vice-Chairman recently sold ₱133k worth of stock On the 10th of August, Alexander Yu sold around 30k shares on-market at roughly ₱4.44 per share. In the last 3 months, they made an even bigger sale worth ₱155k. Alexander has been a seller over the last 12 months, reducing personal holdings by ₱31m. Recent Insider Transactions • Jul 30
Vice-Chairman recently bought ₱66k worth of stock On the 27th of July, Alexander Yu bought around 15k shares on-market at roughly ₱4.37 per share. In the last 3 months, there was an even bigger purchase from another insider worth ₱1.8m. Despite this recent buy, Alexander has been a net seller over the last 12 months, reducing personal holdings by ₱31m. Recent Insider Transactions • Jul 03
Chairman & Founder recently bought ₱1.4m worth of stock On the 30th of June, Edward Lee bought around 319k shares on-market at roughly ₱4.34 per share. In the last 3 months, they made an even bigger purchase worth ₱1.8m. Edward has been a buyer over the last 12 months, purchasing a net total of ₱5.7m worth in shares. Recent Insider Transactions • Jun 18
Chairman & Founder recently bought ₱1.8m worth of stock On the 14th of June, Edward Lee bought around 435k shares on-market at roughly ₱4.09 per share. This was the largest purchase by an insider in the last 3 months. Edward has been a buyer over the last 12 months, purchasing a net total of ₱5.8m worth in shares. Reported Earnings • May 20
First quarter 2021 earnings released: EPS ₱0.08 (vs ₱0.017 in 1Q 2020) The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: ₱589.7m (up 195% from 1Q 2020). Net income: ₱365.8m (up 354% from 1Q 2020). Profit margin: 62% (up from 40% in 1Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 35% per year, which means it is well ahead of earnings. Reported Earnings • Apr 18
Full year 2020 earnings released: EPS ₱0.089 (vs ₱0.096 in FY 2019) The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2020 results: Revenue: ₱1.08b (down 1.7% from FY 2019). Net income: ₱424.3m (down 7.5% from FY 2019). Profit margin: 39% (down from 42% in FY 2019). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 8% per year but the company’s share price has increased by 33% per year, which means it is well ahead of earnings. Announcement • Mar 03
COL Financial Group, Inc. Announces Management changes COL Financial Group, Inc. at its SBM approved resignation of Catherine L. Ong as Director, effective date of resignation is February 26, 2021. Also election of Ms. Betty C. Siy-Yap and Mr. Roberto C. Benares as Independent Directors, effective date of appointment election is February 26, 2021. Appointment of Ms. Betty C. Siy-Yap to the Audit Committee and Mr. Roberto C. Benares to the Remuneration Committee. Ms. Betty C. Siy-Yap and Mr. Roberto C. Benares were elected as Independent Directors to fill the seats left vacant by the demise of Mr. Khoo Boo Boon and resignation of Ms. Catherine L. Ong. Ms. Siy-Yap is the SVP and Chief Finance Officer and Chief Risk Officer of Manila Electric Company. She sits in the Board of Directors of Clark Electric Distribution Corporation, CIS Bayad Center, Inc., Meralco Industrial Engineering Services Corporation, MERALCO PowerGen Corporation, and MRail, Inc. She is the President of Lighthouse Overseas Insurance Limited, a Trustee of First Pacific Leadership Academy, Inc. and MVP Sports Foundation, Inc. Mr. Benares currently sits in the Board of Directors of the Bank of Commerce, BlastAsia Corporation, and Quokka Development Corporation. He was the President and CEO of the Bank of Commerce from 2013 to 2018. Announcement • Mar 01
COL Financial Group, Inc., Annual General Meeting, May 21, 2021 COL Financial Group, Inc., Annual General Meeting, May 21, 2021, at 15:00 China Standard Time.