COG Financial Services Limited (AU:COG)
ASX:COG
COG Stock Chart & Stats
AU$1.36
AU$0.00(0.00%)
At close: 4:00 PM EST
AU$1.36
AU$0.00(0.00%)
Day’s Range― - ―
52-Week RangeAU$1.05 - AU$2.46
Previous CloseN/A
Volume42.05K
Average Volume (3M)275.48K
Market Cap
AU$288.98M
Enterprise ValueAU$493.86M
Total Cash (Recent Filing)AU$183.39M
Total Debt (Recent Filing)AU$388.27M
Price to Earnings (P/E)10.9
Beta0.24
Next Earnings
Aug 20, 2026EPS Estimate
0.08Next Dividend Ex-DateN/A
Dividend Yield2.86%
Share Statistics
EPS (TTM)0.06
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$2.19Price Target Upside60.66% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)0.15
Revenue Forecast (FY)AU$412.23M
Bulls Say, Bears Say
Bulls Say
Diversified Revenue StreamsCOG earns through brokerage/origination, broker aggregation, owned loan/lease portfolio interest and ancillary fees. This multi-channel model reduces reliance on any single revenue source, smoothing earnings across cycles and preserving fee and interest income even if origination volumes dip.
Improved Profitability MarginsMaterial gross and improved net margins indicate better pricing, cost control and higher returns on originations and servicing. Sustained margin expansion supports internal funding capacity, underwriting resilience and the ability to absorb moderate fee or credit pressure over the next several months.
Strong Free Cash Flow ConversionA near-1.0 FCF-to-net-income ratio shows the business converts reported profits into cash effectively, supporting dividends, portfolio servicing and potential deleveraging. Robust cash conversion underpins financial flexibility versus peers that have weaker cash generation.
Bears Say
High Financial LeverageA debt-to-equity of ~2.5 reflects heavy reliance on external funding to finance receivables and operations. High leverage raises refinancing and interest-rate sensitivity, constrains strategic optionality and increases risk if revenue or asset quality weakens over the medium term.
Material Revenue DeclineA near-30% drop in reported revenue erodes scale-dependent fees from broking and aggregation and reduces the earning base for portfolio margins. Sustained revenue contraction weakens coverage for fixed costs and complicates efforts to reduce leverage or invest in growth initiatives.
Slowing Free Cash Flow Growth / Cash Conversion QuirksThough FCF to net income is strong, FCF growth is negative and operating cash flow to net income is low, suggesting timing or working-capital pressure. This may limit capacity for sustained portfolio growth, faster deleveraging or larger strategic investments across a 2–6 month horizon.
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$1.05 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$288.98M.
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 143 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$0.03 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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
AU$2.19 (60.66% Upside)
AU$2.19 (60.66% Upside)
Blogger Sentiment
Bullish
AU:COG Sentiment 100%
Sector Average 68%
Sector Average 68%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
128.62%
12-Months-Change
Fundamentals
Return on Equity
12.36%
Trailing 12-Months
Asset Growth
1.12%
Trailing 12-Months
Company Description
COG Financial Services Limited
COG Financial Services Limited, together with its subsidiaries, engages in equipment financing and broking, aggregation, insurance broking, and novated leasing activities in Australia. The company operates through three segments: Finance Broking and Aggregation; Funds Management and Lending; and All Other/Intersegment. It also provides management of investment funds; provides financing arrangements to commercial customers for essential business assets; and managed IT services. The company was formerly known as Consolidated Operations Group Limited and changed its name to COG Financial Services Limited in November 2020. COG Financial Services Limited was incorporated in 2002 and is based in Chatswood, Australia.
COG Stock 12 Month Forecast
Average Price Target
AU$2.19
▲(60.66% Upside)
Technical Analysis
Raiz Invest Ltd.
―
Praemium Ltd
―
OFX Group Ltd.
―
Netwealth Group Ltd.
―
Finexia Financial Group Ltd
―
Options Prices
Currently, No data available
---