Col Financial Group, Inc. · PSE:COL
Col Financial — Q1 2026 Earnings Presentation
25 slides from Col Financial's earnings presentation, 2026
Slide 1: COL Financial Group Inc. Investor Presentation
© COL FINANCIAL COL FINANCIAL GROUP INC. AS INVESTOR 6 PRESENTATION
Slide 2: COL Financial Group Inc. Investor Presentation
© COL FINANCIAL COL FINANCIAL GROUP INC. AS INVESTOR 6 PRESENTATION
Slide 3: Company Overview
1Q26 COL INVESTOR PRESENTATION Company Overview The leading Established Focused on Founder and licensed tapping the Edward K. Lee online by the SEC in underserved retains a 21.8% stockbroker 1999 retail investor stake and base in the actively in the stock market manages the Philippines company
Slide 4: Shareholder structure and market cap
1Q26 COL INVESTOR PRESENTATION 21.8% Edward K. Lee 5.95Bil 15.5% Outstanding Shares 32.1 % 21.8 % Daiwa Securities 1.91 Bil 13.9% Free Float Alexander C. Yu 15.5 % 16.8% Php8.33 Bil 16.8% Other Directors & Officers Market Cap* 13.9% 32.1% *As of end March 2026 Public
Slide 5: Business Objective
1Q26 COL INVESTOR PRESENTATION Business Objective Our Goal is to be the Champion of the Filipino Investor. To be preferred source of financial services, a trusted provider of guidance and investment, and a strong organization committed to delivering great value to its customers.
Slide 6: COL Milestones
1Q26 COL INVESTOR PRESENTATION COL Milestones
Slide 7: Bulk of the Revenues Derived from Commissions and Interest Income
1Q26 COL INVESTOR PRESENTATION Sources of Revenues Commissions Interest Trailer fees Other income Bulk of the Revenues 0.4% 2.7% Derived from Commissions and Interest Income 53.1% In 1Q26, commissions accounted for 43.8% of revenues. Interest income from margin loans and cash placements accounted fo
Slide 8: Key Operating Highlights
1Q26 COL INVESTOR PRESENTATION Key Operating Highlights Positives Negatives 1. Profits up 6.9% as revenues increased 1. Interest income fell 5.2% due to lower 11.7%, driven by strong growth of core interest rates and margin utilization business 2. Rank and market share in the PSE improved 3. MF net
Slide 9: 1Q26 Net Income +6.9% Y/Y
1Q26 COL INVESTOR PRESENTATION 1Q26 Net Income Pro Forma Consolidated Income Statement (Php Million) Change +6.9% Y/Y Income 1Q25 1Q26 Amount % Commissions 91.7 132.3 40.6 44.2% 1Q26 net income increased 6.9% to Php140.5 Mil, largely Interest 169.3 160.5 (8.8) -5.2% driven by higher core business re
Slide 10: Higher Commissions and Trail Fees Partly Offset by Lower Interest Income
1Q26 COL INVESTOR PRESENTATION Higher Commissions and Trail Revenue Breakdown (Php Million) Change Fees Partly Offset by Lower Revenue Breakdown 1Q25 1Q26 Amount % Interest Income Commission Interest 91.7 169.3 132.3 160.5 40.6 (8.8) 44.2% -5.2% Revenues were up 11.7% to Php302.3 Mil due to higher M
Slide 11: Higher Commissions and Trail Fees Partly Offset by Lower Interest Income
1Q26 COL INVESTOR PRESENTATION Higher Commissions and Trail Revenue Breakdown (Php Million) Change Fees Partly Offset by Lower Revenue Breakdown 1Q25 1Q26 Amount % Interest Income Commission Interest 91.7 169.3 132.3 160.5 40.6 (8.8) 44.2% -5.2% On the other hand, interest income fell by 5.2% to Mar
Slide 12: Expenses Up Led by Trading Related Expenses
1Q26 COL INVESTOR PRESENTATION Expenses Up Led by Breakdown of Expenses (Php Million) Trading Related Change Expenses 1Q25 1Q26 Amount % Trading Related Expenses Commission expenses 7.5 10.6 3.0 40.2% Total expenses were up 14.0% at Php121.8 Mil, led by trading related Stock exch. dues & fees 5.4 6.
Slide 13: ROAE Stayed Healthy at 21.7%
1Q26 COL INVESTOR PRESENTATION ROAE Stayed Healthy at 21.7% Selected Financial Ratios 1Q25 1Q26 ROAE stayed healthy at 21.7%. Operating Profit Margin 60.5% 59.7% Although margins fell slightly, this was offset higher EBITDA Margin 64.1% 63.2% asset turnover and increased leverage. Net Margin 48.6% 4
Slide 14: Rank Improved to Number 4
1Q26 COL INVESTOR PRESENTATION Rank Improved to Comparative Performance (COL vs. PSE) Number 4 Change 1Q25 1Q26 Amount % COL’s average daily turnover increased by 44.7% to PSE Ave. daily T/O (Php Php859.3 Mil, faster than the 26.8% improvement in 6,232.3 7,903.8 1,671.5 26.8% Mil) the PSE’s value tu
Slide 15: Still Among the Biggest Philippine Based Stockbrokers
1Q26 COL INVESTOR PRESENTATION Still Among the Rank Broker Name Value T/O (PhpBil) % of Total Biggest Philippine 1 UBS Securities Philippines Inc 124.2 12.9 2 CLSA Philippines Inc 73.8 7.7 Based Stockbrokers 3 BDO Securities Corp 65.5 6.8 4 COL Financial Group, Inc 52.4 5.4 Macquarie Capital Securit
Slide 16: Strong Balance Sheet
1Q26 COL INVESTOR PRESENTATION Strong Balance Sheet Balance Sheet (Php Million) COL’s balance sheet remained strong with ample cash and no Change interest-bearing debts. 12/31/25 3/31/26 Amount % Cash & cash equivalents 9,182.2 7,289.6 -1,892.5 -20.6% Cash & cash equivalents were down by 20.6% to Ph
Slide 17: Customer Base Up Y/Y
1Q26 COL INVESTOR PRESENTATION Client Base Customer Base +2.5% Up Y/Y 558,873 556,446 545,273 539,996 COL’s client base grew by 2.5% Y/Y to 558,873 as of end 1Q26. 521,052 Average monthly additions reached 1,133 503,145 during the past 12 months, although it fell to 489,154 809 during the first quar
Slide 18: Client Equity Up on Positive Asset Inflows
1Q26 COL INVESTOR PRESENTATION Client Equity (Php Mil) Client Equity Up +5.5% on Positive Asset Inflows 124,209 123,059 Client equity was up 5.5% Y/Y to Php124.2 Bil. 117,788 117,224 Net asset inflows from retail clients amounted 112,556 to Php2.5 Bil during the past twelve months and was largely re
Slide 19: Margin Loans Down
1Q26 COL INVESTOR PRESENTATION Ave Daily Margin Loans (Php Mil) -17.2% Margin Loans Down 983 958 930 Average daily margin loans fell by 17.2% to 814 Php814 Mil Y/Y. 774 759 719 The number of approved margin accounts fell slightly from 1,085 to 1,075. The number of accounts utilizing margin also fell
Slide 20: MF Net Sales Largely Driven by Feeder Funds
1Q26 COL INVESTOR PRESENTATION MF Net Sales Largely Driven by Feeder Funds 1Q26 MF Net Sales (Php Mil) COL’s MF distribution business generated net sales of Php296 Fund Type Mil in 1Q26 largely due to the popularity of global feeder funds. Money Market 57 Domestic money market and bond funds generat
Slide 21: Global AUA Now at 33% of Total AUA
1Q26 COL INVESTOR PRESENTATION Global AUA Now at 33% of Total AUA AUA Split per Fund Type 7% 8% 13% 11% 12% 15% 28% 33% 2023 2024 2025 1Q26 55% 61% 85% 73% MM Local Global
Slide 22: Fund Clients Up 4.9% Y/Y
Fund Clients Up 4.9% Y/Y 1Q26 COL INVESTOR PRESENTATION +4.9% 70,065 69,583 66,769 65,884 64,731 64,266 62273 2021 2022 2023 2024 2025 1Q25 1Q26
Slide 23: Fund AUA Posted Strong Growth Despite Industry-Wide Decline
1Q26 COL INVESTOR PRESENTATION Fund AUA Posted Strong Growth Despite Industry-Wide Decline AUA vs Industry (Php Mil) 1Q25 AUA 1Q26 AUA % Change Fund Source 5,466 6,723 23.0% FS (non-MM) 4,856 5,932 22.1% BPI (MF) 118,443 118,877 +0.4% ATRAM 9,019 8,146 -9.7% CMI 638 528 -17.2% FAMI 9,811 8,212 -16.3
Slide 24: Growing Number, but Lower Percentage of Clients Own MFs
24 Growing Number, but Lower Percentage of Clients Own MFs 1Q26 COL INVESTOR PRESENTATION MF Investors % of Total Clients 70,000.0 16.0% 14.3% 13.9% 13.8% 13.5% 13.5% 13.2% 13.1% 12.8% 14.0% 12.5% 12.4% 60,000.0 12.3% 12.0% 11.6% 11.1% 12.0% 10.4% 50,000.0 9.9% 9.5% 10.0% 8.9% 8.5% 40,000.0 7.5% 8.0
Slide 25: Disclaimer
1Q26 COL INVESTOR PRESENTATION DISCLAIMER This presentation was prepared solely and exclusively for discussion purposes. This presentation and/or any part thereof may not be reproduced, disclosed or used without the prior written consent of COL Financial (the “Company”). This presentation, as well a