The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 1.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 0%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (19 analysts) rates it buy, with a mean price target of $96. It reported earnings in this window, a natural checkpoint for the thesis.
Colgate-Palmolive CL
Clears the common standardAn entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Colgate-Palmolive Company, together with its subsidiaries, manufactures and sells consumer products in the United States and internationally.
read at $91.98
Colgate-Palmolive holds its Accumulation at $91.98.
- PHPhase · the trend structure carries the Accumulation label
- INInsiders · no filings inside 60 days, left as found
- POPositioning · no disclosures inside 60 days, left as found
- OPOptions · no verdict drawn today, left as found
- SCScreen · does not pass the values gate
- edge confirmed
- edge broken
- edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
The investor read · the season, not the day
| Phase | Accumulation |
| Quantitative state | The statistical read favours the buyers, held for 6 days |
| Price | $91.98 |
| Valuation | 35.65 trailing · 22.69 forward price to earnings |
| Values screen | FAIL · score 10.0 |
| Beta | 0.32 |
The opportunity · what the numbers say it is worth
Our framework reads AVOID — it trades above our $90.28 fair value estimate, moderate competitive moat, 8.40% revenue growth.
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Our more conservative model reads it as roughly fairly valued here, while the Street is more bullish — a quality-at-a-fair-price name rather than a deep-value one.
| Revenue growth | 8.40% |
| Profit margin | 10.04% |
| Debt to equity | 1,640.54 |
| Analyst consensus | Buy · 20 covering |
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
The values screen, explained · five checks, plain English
It depends which standard you follow. There are two widely recognised ways to check whether a company is suitable for a Muslim investor, and on this company they disagree. Here is how it did on each:
Used by most halal investing apps ✓ PASSES
The one Titan applies ✗ DOES NOT PASS
Why the two disagree. They fall out over one thing only: the company’s debt. Our stricter standard measures that debt against what the company owns, and it works out too high to pass. The common standard measures the same debt against what the company is worth on the stock market, where it works out low enough to pass. Every other check, the two agree on. So in practice, most halal apps would treat this as fine to hold, while our stricter view would not — and which line you follow is between you and your scholar.
What these two standards are, and how they differ →
- Business activity Its core business isn't built on prohibited lines — no gambling, alcohol, tobacco, weapons, or interest-based lending. Pass
- Debt load Interest-bearing debt is 52.4% of its assets, above the one-third ceiling the screen allows. Against market value it is 10.7%, under the 30% line the market-value standard uses — so that standard clears it. Divergent
- Interest-bearing cash Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit. Pass
- Receivables Money owed to the company is 18.1% of assets, under the 49% limit. Pass
- Revenue purity Only 0.4% of revenue comes from non-compliant sources — under the 5% line. Pass
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
The business, in plain words · what the numbers mean
Colgate's Toothpaste Empire Trips on Debt
Millions reach for Colgate each morning without thinking twice, yet the numbers show a business trading above its worth with a forward multiple of 22.9 times earnings against fair value of 90.31 while the share price sits at 92.98. Revenue growth of 8 percent and a 10 percent profit margin look steady, but the eye watering 364 percent ROE points straight to heavy leverage rather than pure operating strength. We pass because the price offers no margin of safety and the ethical screen flags the debt ratio outright.
A moderate moat in oral care and pet nutrition gives some durability, yet that does not offset the balance sheet concern or the thin cushion versus our calculated value. Twenty analysts may cluster around a 100 target and a buy rating, but our screen exists to filter out exactly these leverage risks before they become tomorrow's problem.
High debt leaves the company exposed if rates stay elevated or consumer spending softens, turning a seemingly defensive name into a less stable proposition than the label suggests. Analysis, not advice.
| Forward P/E | 22.7x expensive even after accounting for its growth |
| Trailing P/E | 35.7x expensive — the price assumes strong growth ahead |
| Revenue growth | 8.4% steady growth |
| Profit margin | 10.0% thin but positive margins |
| Return on equity | 363.6% an exceptional return on shareholder capital |
| Debt to equity | 16.41 heavy leverage — higher risk if revenue softens |
| Current ratio | 1.03 adequate liquidity, worth monitoring |
| Beta | 0.32 barely tracks the market's swings |
| Market cap | $73.6B |
| Employees | 33,600 |
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Latest news · what the market is reading on CL
- › The Portfolio That Gives You a $2,000 Raise Every Year 24/7 Wall St. · 11d ago
- › Two US service members killed in Jordan as Iran steps up attacks Investing.com · 11d ago
- › Consumer Staple Companies Likely Saw Another 'Tricky' Quarter, UBS Says MT Newswires · 12d ago
- › HSBC says spike in oil prices does not alter bullish view on risk assets Investing.com · 14d ago
- › Yields hover near multi-month highs as Iran escalation locks in Fed hike fears Investing.com · 14d ago
Headlines from third-party outlets, linked for reference — not our reporting, not advice.
Related securities · others in CL's space worth a look
Screened names in the same industry · explore each on its own page.
Where & how to trade · wherever in the world you are
CL trades on a US exchange. As a US-listed security it is accessible through almost any international broker offering US markets. New to this, or investing from outside the US? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The trader read · the latest dated commentary
The dated journal · newest first, never edited
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 0%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (19 analysts) rates it buy, with a mean price target of $96. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 0%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (19 analysts) rates it buy, with a mean price target of $96. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 0%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (19 analysts) rates it buy, with a mean price target of $96. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 5.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 0%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (19 analysts) rates it buy, with a mean price target of $96. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading bullish. Over the past year the shares are down 0%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (19 analysts) rates it buy, with a mean price target of $96.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns.
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
The insider ledger · Form 4 filings, as filed
| Date | Insider | Title | Type | Shares | Value |
|---|---|---|---|---|---|
| 2026-05-15 | MALCOLM GREGORY | Officer | 2,300 | $203,412 | |
| 2026-05-11 | NEWMAN BRIAN | Director | 2,075 | · | |
| 2026-05-11 | CAHILL JOHN T | Director | 2,075 | · | |
| 2026-05-11 | BILBREY JOHN P. | Director | 2,075 | · | |
| 2026-05-11 | HUND-MEJEAN MARTINA | Director | 2,075 | · | |
| 2026-05-11 | NORRINGTON LORRIE M | Director | 2,075 | · | |
| 2026-05-11 | EDWARDS LISA MARIE | Director | 2,075 | · | |
| 2026-05-11 | HARRIS C. MARTIN M.D. | Director | 1,556 | · | |
| 2026-05-11 | NELSON KIMBERLY A. | Director | 2,075 | · | |
| 2026-05-11 | BOERNER CHRISTOPHER S | Director | 1,383 | · |
Public filings, recorded as found. The full tape lives at Insider Intelligence.
The political ledger · congressional disclosures
| Date | Politician | Party | Type | Amount |
|---|---|---|---|---|
| 7 May2026 | Sheldon Whitehouse | Democrat | sell | 15K–50K |
| 7 Feb2025 | Tim Walberg | Republican | buy | 15K–50K |
| 5 Jun2026 | Gil Cisneros | Democrat | buy | 1K–15K |
| 4 May2026 | Kelly Morrison | Democrat | sell | 15K–50K |
| 29 May2026 | Max Miller | Republican | sell | 15K–50K |
What holding actually paid · price plus dividends
| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $86.74 | +2.9% | · | $1,029 | +2.9% |
| 2 months | $83.82 | +6.5% | $0.53 | $1,071 | +7.1% |
| 3 months | $87.41 | +2.1% | $0.53 | $1,027 | +2.7% |
| 6 months | $76.31 | +17.0% | $1.05 | $1,184 | +18.4% |
| 1 year | $89.67 | -0.5% | $2.09 | $1,019 | +1.9% |
| 2 years | $89.65 | -0.4% | $4.11 | $1,042 | +4.2% |
| 3 years | $70.65 | +26.4% | $6.05 | $1,349 | +34.9% |
| 5 years | $74.26 | +20.2% | $9.76 | $1,334 | +33.4% |
Historical returns from market close data. Past performance does not guarantee future results.