COG Financial Services Limited (AU:COG)
ASX:COG
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COG Stock Chart & Stats
AU$1.32
AU$0.00(0.00%)
At close: 4:00 PM EST
AU$1.32
AU$0.00(0.00%)
Day’s Range― - ―
52-Week RangeAU$1.14 - AU$2.46
Previous CloseN/A
Volume42.05K
Average Volume (3M)275.48K
Market Cap
AU$311.38M
Enterprise ValueAU$526.92M
Total Cash (Recent Filing)AU$183.39M
Total Debt (Recent Filing)AU$388.27M
Price to Earnings (P/E)14.9
Beta0.23
Next Earnings
Aug 20, 2026EPS Estimate
0.08Next Dividend Ex-DateN/A
Dividend Yield2.86%
Share Statistics
EPS (TTM)0.10
Shares Outstanding213,273,060
10 Day Avg. Volume303,634
30 Day Avg. Volume275,475
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)2.10
Price to Sales (P/S)0.87
P/FCF Ratio6.96
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$2.38Price Target Upside79.92% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.15
Revenue Forecast (FY)AU$415.62M
Bulls Say, Bears Say
Bulls Say
High Gross And Improving Net MarginsElevated gross margin (77.07%) and rising net margin (5.11%) indicate durable pricing power and tighter cost control in its asset-finance distribution model. Sustained margins support cash generation and provide a cushion against volume volatility, aiding long-term profitability and reinvestment.
Strong Free Cash Flow ConversionA FCF-to-net-income ratio near 0.93 shows the company converts reported profits into cash effectively. Reliable cash conversion underpins dividend capacity, debt servicing and reinvestment, improving financial flexibility and resilience over multiple quarters.
Broker-aggregation, Diversified Fee ModelA multi-channel revenue mix—upfront/trailing commissions, platform and service fees, and direct broking—creates diversified income streams and recurring revenue. Network effects from broker and lender relationships support scale, making earnings more resilient over time.
Bears Say
Sharp Revenue DeclineA pronounced revenue contraction (cited ~28%) undermines scale economics for a commission-driven model. Sustained top-line declines reduce fee income, strain operating leverage, and make it harder to cover fixed platform costs, creating a multi-quarter headwind to earnings recovery.
High Leverage On Balance SheetA debt-to-equity ratio around 2.47 signals material leverage that limits strategic flexibility. Elevated debt increases interest burden and refinancing risk, reducing the company's ability to invest in platform improvements or weather asset-finance cyclical stress without eroding cash flow.
Revenue Exposed To Broker And Credit CyclesEarnings depend heavily on third-party broker activity and overall credit demand for asset finance. This structural exposure makes revenue and commission income cyclically sensitive to economic and credit conditions, reducing predictability and increasing downside in downturns.
COG Financial Services Limited News
COG FAQ
What was COG Financial Services Limited’s price range in the past 12 months?
COG Financial Services Limited lowest share price was AU$1.14 and its highest was AU$2.46 in the past 12 months.
What is COG Financial Services Limited’s market cap?
COG Financial Services Limited’s market cap is AU$311.38M.
When is COG Financial Services Limited’s upcoming earnings report date?
COG Financial Services Limited’s upcoming earnings report date is Aug 20, 2026 which is in 66 days.
How were COG Financial Services Limited’s earnings last quarter?
COG Financial Services Limited released its earnings results on Feb 25, 2026. The company reported AU$0.063 earnings per share for the quarter, missing the consensus estimate of AU$0.071 by -AU$0.008.
Is COG Financial Services Limited overvalued?
According to Wall Street analysts COG Financial Services Limited’s price is currently Undervalued.
Does COG Financial Services Limited pay dividends?
COG Financial Services Limited pays a Semiannually dividend of AU$0.035 which represents an annual dividend yield of 2.86%. See more information on COG Financial Services Limited dividends here
What is COG Financial Services Limited’s EPS estimate?
COG Financial Services Limited’s EPS estimate is 0.08.
How many shares outstanding does COG Financial Services Limited have?
COG Financial Services Limited has 213,273,060 shares outstanding.
What happened to COG Financial Services Limited’s price movement after its last earnings report?
COG Financial Services Limited reported an EPS of AU$0.063 in its last earnings report, missing expectations of AU$0.071. Following the earnings report the stock price went down -0.656%.
Which hedge fund is a major shareholder of COG Financial Services Limited?
Currently, no hedge funds are holding shares in AU:COG
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
COG Financial Services Limited Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
AU$2.38 (79.92% Upside)
AU$2.38 (79.92% Upside)
Blogger Sentiment
Bullish
AU:COG Sentiment 100%
Sector Average ―
Sector Average ―
Technicals
SMA
Positive
20 days / 200 days
Momentum
128.62%
12-Months-Change
Fundamentals
Return on Equity
13.31%
Trailing 12-Months
Asset Growth
4.30%
Trailing 12-Months
Company Description
COG Financial Services Limited
COG Financial Services Limited, along with its group of companies, delivers a broad spectrum of services across Australia. Its core offerings encompass equipment financing and broking, aggregation services, insurance broking, and novated leasing. The company's operations are divided into three principal segments: Finance Broking and Aggregation, Funds Management and Lending, and an 'All Other/Intersegment' category. Additionally, COG manages investment funds, facilitates financial solutions for commercial customers acquiring vital business assets, and provides managed IT services. Established in 2002, the firm is based in Chatswood, Australia. It adopted its current name, COG Financial Services Limited, in November 2020, having previously been known as Consolidated Operations Group Limited.
COG Stock 12 Month Forecast
Average Price Target
AU$2.38
▲(79.92% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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