COG · ASX

COG Financial Services Limited (ASX:COG)

AU$2.16

 -0.03 (-1.37%)
ASX:Live
18/09/2025 01:25:10 PM
Near Resistance Near 52 Week High HALO Price Momentum HALO Ords HALO Momentum +4
Consensus Score
/10
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COG Overview

COG Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Very Strong

Halo Model

MQV

Very Weak

GARP

Very Weak

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Very Strong

Earnings

Very Strong

Growth

Earnings

Strong

Dividends

Strong

Quality

Capital Efficiency

Strong

Balance Sheet

Strong

About COG

Website

COG Financial Services Limited

Telephone

61.2.9299.9690

Address

Level 1 72 Archer Street Chatswood, New South Wales (NSW) 2067

Description

COG Financial Services Ltd. engages in the provision of equipment finance, funds management, and lending sector. It operates through the following segments: Finance Broking and Aggregation; Funds Management and Lending; and All Other. The Finance Broking and Aggregation segment comprise business units on the aggregation of broker volumes through scale, and finance broking focused on a range of finance products and asset types. The Funds Management and Lending segment is focused on the management of investment funds and providing financing arrangements to commercial customers for essential business assets. The All Other segment includes equity investment of in the associate Earlypay Limited, and corporate office function provided by the ultimate parent entity. The company was founded on June 11, 2002 and is headquartered in Chatswood, Australia.

COG Price Chart

Key Stats

Market Cap

AU$442.07M

PE

N/A

EV/EBITDA

N/A

Dividends Overview

DIV Yield

N/A

Franking

100%

Ex Dividend Date (est.)

01-Sep-25

Market Data

52 weeks range

Low 0.86 - 2.22

Trade Value (12mth)

AU$83,043.00

1 week

9.77%

1 month

28.82%

YTD

119%

1 year

124.62%

All time high

8.33

Key Fundamentals

EPS 3 yr Growth

-13.80%

EBITDA Margin

21.60%

Operating Cashflow

$49m

Free Cash Flow Return

16.50%

ROIC

6.30%

Interest Coverage

3.00

Quick Ratio

0.90

Other Data

Shares on Issue (Fully Dilluted)

202m

HALO Sector

Other Finance

Next Company Report Date

20-Aug-26

Ex Dividend Date (est.)

01-Sep-25

Next Dividend Pay Date (est.)

01-Oct-25

Reporting Currency

AUD

Short Sell (% of issue)

0.04

COG Announcements

Latest Announcements

Date Announcements

17 September 25

CEO Remuneration update - FY23 LTI vesting assessment

×

CEO Remuneration update - FY23 LTI vesting assessment

17 September 25

Notification of cessation of securities - COG

×

Notification of cessation of securities - COG

17 September 25

Application for quotation of securities - COG

×

Application for quotation of securities - COG

17 September 25

Cleansing Notice under Section 708A(5)(e) of the Corps Act

×

Cleansing Notice under Section 708A(5)(e) of the Corps Act

15 September 25

COGs Salary Packaging acquisition completes

×

COGs Salary Packaging acquisition completes

15 September 25

Becoming a substantial holder from WAA/WAM/WAX/WMI

×

Becoming a substantial holder from WAA/WAM/WAX/WMI

09 September 25

FY2025 Results Presentation (Updated)

×

FY2025 Results Presentation (Updated)

08 September 25

Change of Director's Interest Notice - CMC

×

Change of Director's Interest Notice - CMC

08 September 25

Change in substantial holding - GEGM

×

Change in substantial holding - GEGM

05 September 25

Change in substantial holding from SNC

×

Change in substantial holding from SNC

04 September 25

Change of Director's Interest Notice - JD

×

Change of Director's Interest Notice - JD

03 September 25

COG acquires EasiFleet, expands Salary Packaging footprint

×

COG acquires EasiFleet, expands Salary Packaging footprint

02 September 25

Change in substantial holding

×

Change in substantial holding

27 August 25

Appendix 4E, Audited Financial Statements and Annual Report

×

Appendix 4E, Audited Financial Statements and Annual Report

27 August 25

Appendix 4G and Corporate Governance Statement

×

Appendix 4G and Corporate Governance Statement

27 August 25

Dividend/Distribution - COG

×

Dividend/Distribution - COG

27 August 25

Audited 30 June 2025 Results

×

Audited 30 June 2025 Results

27 August 25

FY2025 Results Presentation

×

FY2025 Results Presentation

25 July 25

Notification regarding unquoted securities - COG

×

Notification regarding unquoted securities - COG

25 July 25

Change of Director's Interest Notice - AR

×

Change of Director's Interest Notice - AR

25 July 25

Change of Director's Interest Notice - JD

×

Change of Director's Interest Notice - JD

27 June 25

Results of Meeting

×

Results of Meeting

28 May 25

Change in substantial holding

×

Change in substantial holding

22 May 25

Ceasing to be a substantial holder for EPY

×

Ceasing to be a substantial holder for EPY

21 May 25

Update - Proposed issue of securities - COG

×

Update - Proposed issue of securities - COG

COG Fundamentals

Per Share Records

Historical data

Forecast data

AUD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock 0.04 0.07 0.09 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock 0.04 0.07 0.09 Lock Lock Lock
     Growth % Lock Lock Lock Lock -61.0 56.6 41.1 Lock Lock Lock
     PE X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFPS $ Lock Lock Lock Lock 0.21 0.22 0.23 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock 0.07 0.13 0.16 Lock Lock Lock
     Growth % Lock Lock Lock Lock 5.2 3.4 7.7 Lock Lock Lock
     Yield % Lock Lock Lock Lock 5.2 11.3 9.8 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.08 0.08 0.06 Lock Lock Lock
     Growth % Lock Lock Lock Lock 1.2 0.0 -28.6 Lock Lock Lock
     Yield % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 197 126 64 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.86 0.78 0.75 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock -0.11 -0.13 -0.13 Lock Lock Lock
     Growth % Lock Lock Lock Lock -187.2 -23.3 -1.7 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 189 193 200 Lock Lock Lock
Basic m Lock Lock Lock Lock 189 193 200 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Income Statement
Sales $m Lock Lock Lock Lock 366 362 368 Lock Lock Lock
     Growth % Lock Lock Lock Lock 14.1 -1.0 1.5 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 21 30 32 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 132 169 183 Lock Lock Lock
     Growth % Lock Lock Lock Lock 25.7 27.7 8.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 36.2 46.7 49.8 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 64 53 50 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 62 74 80 Lock Lock Lock
     Growth % Lock Lock Lock Lock 17.2 19.0 7.1 Lock Lock Lock
     Margin % Lock Lock Lock Lock 17.1 20.5 21.6 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 15 18 18 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 48 56 62 Lock Lock Lock
     Growth % Lock Lock Lock Lock 15.8 18.1 9.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 13.1 15.6 16.8 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 30 34 39 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 10 12 12 Lock Lock Lock
Net Income $m Lock Lock Lock Lock 8 13 19 Lock Lock Lock
     Growth % Lock Lock Lock Lock -59.1 59.5 46.1 Lock Lock Lock
     Margin % Lock Lock Lock Lock 2.2 3.5 5.1 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock 32 46 49 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 3 6 6 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -20 -87 3 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 13 65 -29 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock 30 41 46 Lock Lock Lock
     Growth % Lock Lock Lock Lock -85.6 39.0 11.6 Lock Lock Lock
     Margin % Lock Lock Lock Lock 0.1 0.1 0.1 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 16 18 19 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 102 126 149 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 593 686 695 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 78 151 142 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 182 251 227 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 379 482 488 Lock Lock Lock
Equity $m Lock Lock Lock Lock 164 152 152 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 242 302 294 Lock Lock Lock
     Growth % Lock Lock Lock Lock 11.6 25.0 -2.7 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock 1.4 1.9 2.7 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 4.9 8.5 12.3 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 10.1 10.5 10.6 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 3.5 4.7 6.3 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock 13.9 17.0 16.5 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
Leverage
Interest Cover X Lock Lock Lock Lock 7.4 4.2 3.0 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 2.9 3.4 2.9 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 111.0 165.5 149.1 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 0.8 0.8 0.9 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 0.8 0.8 0.9 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock 49.6 52.6 51.7 Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock 11.6 15.2 15.6 Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 1.5 1.3 1.2 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 571.0 547.2 2,099.1 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.6 0.5 0.5 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.6 0.5 0.5 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock 8.2 9.5 10.6 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 5.1 5.0 5.6 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 33.7 34.8 29.8 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock 1.4 1.9 2.7 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 3.6 4.5 4.6 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 4.9 8.5 12.3 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock -97.2 -25.9 36.2 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock -4.8 -2.2 4.5 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 0.6 0.7 0.2 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 245.1 273.6 296.9 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 245.7 274.3 297.1 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 245.7 274.3 297.1 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

01-Sep-25

DIV Yield

N/A

Franking Level

100%

DPSg

-28.60%

Quality Yield

Lock

Falling Divs over next 2

Lock

Expected Dividend Cashflow

Dividend Clarity,
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Strategy

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Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.02%

Value ($M)

0

Prior Change

N/A

7 Day Change

-0.10%

1 Month Change

N/A

3 Month Change

N/A

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Frequently Asked Questions

The current share price of COG Financial Services Limited (COG:ASX) is AU$2.16.
The 52-week high share price for COG Financial Services Limited (COG:ASX) is AU$2.22.
The 52-week low share price for COG Financial Services Limited (COG:ASX)? is AU$0.86.
COG Financial Services Limited (COG:ASX) does not pay a dividend.
The last dividend payment of COG Financial Services Limited (COG:ASX) is AU$0.03.
COG Financial Services Limited (COG:ASX) has a franking level of 100.0%.
COG Financial Services Limited (COG:ASX) is classified in the Other Finance.
The current P/E ratio for COG Financial Services Limited (COG:ASX) is .
The current share price of COG Financial Services Limited (COG:ASX) is AU$2.16.
The 52-week high share price for COG Financial Services Limited (COG:ASX) is AU$2.22.
The 52-week low share price for COG Financial Services Limited (COG:ASX)? is AU$0.86.
COG Financial Services Limited (COG:ASX) does not pay a dividend.
The last dividend payment of COG Financial Services Limited (COG:ASX) is AU$0.03.
COG Financial Services Limited (COG:ASX) has a franking level of 100.0%.
COG Financial Services Limited (COG:ASX) is classified in the Other Finance.
The current P/E ratio for COG Financial Services Limited (COG:ASX) is .
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.