COG Financial Services Limited (COG) AI Stock Analysis

• Market Cap: AU$340.10M
• Dividend Yield: 3.56%
• Average Volume (3M): 266.94K
• Price to Earnings (P/E): 27.3
• Beta (1Y): 0.43
• Revenue Growth: 16.16%
• EPS Growth: 32.97%
• Country: AU
• Employees: 1,000
• Sector: Financial
• Sector Strength: 78
• Industry: Financial - Capital Markets
• EPS (TTM): 0.06
• Shares Outstanding: 201,838,010
• 10 Day Avg. Volume: 150,215
• 30 Day Avg. Volume: 266,935
• PEG Ratio: -0.28
• Price to Book (P/B): 2.17
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.01
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$1.81
• Price Target Upside: 7.74% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 68 Neutral
• Price Target: AU$2.00 ▲(19.05%Upside)

COG Financial Services Limited's overall stock score is influenced primarily by its strong financial performance, particularly in revenue and cash flow growth. The technical analysis indicates a bullish trend, though caution is advised due to overbought signals. The valuation suggests the stock may be overvalued, but the attractive dividend yield provides some offset.

COG Financial Services Limited Business Overview & Revenue Model

Company Description

COG Financial Services Limited (COG) is a diversified financial services company operating primarily in the finance sector. It provides a range of financial solutions including lending, leasing, and brokering services. The company serves both consumer and commercial markets, aiming to facilitate financial access and asset acquisition for its clients.

How the Company Makes Money

COG Financial Services Limited generates revenue through multiple channels. Primarily, the company earns income from interest on loans it provides to individuals and businesses. Additionally, COG makes money through leasing services by charging fees for the use of equipment or vehicles. The brokering division of the company adds another revenue stream by earning commissions on the facilitation of financial products for their clients. Significant partnerships with banks and financial institutions may also contribute to COG's earnings by allowing cost-sharing and access to broader customer bases. Strategic acquisitions and investments may further enhance their revenue by expanding their service offerings and market reach.

COG Financial Services Limited Financial Statement Overview

Summary

COG Financial Services Limited demonstrates strong revenue and cash flow growth, indicating operational strength and effective cost management. However, challenges with low net profitability and high leverage pose potential risks to financial stability.

Income Statement

COG Financial Services Limited has shown strong revenue growth with a Revenue Growth Rate of 36.3% from 2023 to 2024. The Gross Profit Margin improved significantly, up to 58.7% in 2024, indicating efficient cost management. However, the Net Profit Margin remains relatively low at 2.6%, suggesting some profitability challenges. The EBIT Margin and EBITDA Margin are moderate at 6.5% and 14.9%, respectively, reflecting stable operational efficiency.

Balance Sheet

The company's Debt-to-Equity Ratio increased to 2.48, indicating a high level of leverage, which might pose financial risk. The Return on Equity (ROE) is modest at 8.5%, showing average efficiency in generating returns. The Equity Ratio stands at 22.1%, suggesting a moderate level of financial stability, albeit with a risk of over-leverage.

Cash Flow

COG Financial Services Limited demonstrates robust cash flow management with a Free Cash Flow to Net Income Ratio of 2.77, indicating strong cash conversion. The Operating Cash Flow to Net Income Ratio is also healthy at 3.61, suggesting efficient earnings generation. However, the Free Cash Flow Growth Rate of 24.9% shows positive momentum in cash flow growth.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	498.98M	366.01M	320.77M	267.77M	215.86M
Gross Profit	292.95M	132.47M	105.39M	92.26M	70.71M
EBITDA	74.28M	62.41M	53.25M	48.32M	26.85M
Net Income	12.85M	8.05M	19.68M	-26.38M	-10.05M
Balance Sheet
Total Assets	687.12M	593.00M	518.22M	476.69M	326.16M
Cash, Cash Equivalents and Short-Term Investments	125.68M	101.80M	76.11M	94.51M	31.86M
Total Debt	376.75M	283.73M	243.27M	225.94M	97.05M
Total Liabilities	483.49M	378.53M	310.61M	287.03M	133.77M
Stockholders Equity	151.69M	163.92M	170.95M	152.34M	174.18M
Cash Flow
Free Cash Flow	35.66M	28.55M	205.73M	187.95M	61.14M
Operating Cash Flow	46.36M	31.79M	208.19M	190.85M	62.82M
Investing Cash Flow	-87.16M	-19.53M	-201.93M	-75.11M	-56.43M
Financing Cash Flow	64.69M	13.44M	-24.67M	-55.92M	2.26M

COG Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.68
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:COG, the sentiment is Positive. The current price of 1.68 is above the 20-day moving average (MA) of 1.63, above the 50-day MA of 1.54, and above the 200-day MA of 1.14, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 60.73 is Neutral, neither overbought nor oversold. The STOCH value of 47.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:COG.

COG Financial Services Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PPS	70 Outperform	AU$365.45M	35.25	9.89%	1.31%	23.52%	7.96%
COG	68 Neutral	AU$340.10M	27.31	7.94%	3.56%	16.16%	32.97%
Sector *	67 Neutral	$16.88B	11.72	9.78%	3.73%	11.83%	-7.72%
NWL	66 Neutral	AU$9.10B	89.19	65.17%	0.94%	24.24%	33.94%
OFX	63 Neutral	AU$177.84M	7.26	14.15%	―	-4.69%	-18.65%
FNX	62 Neutral	AU$17.13M	196.43	-0.72%	1.82%	17.07%	-107.76%
RZI	59 Neutral	€71.09M	―	-0.11%	―	12.91%	73.27%

COG Financial Services Limited Corporate Events

COG Financial Services Announces Successful General Meeting Outcomes

COG Financial Services Limited announced the successful outcomes of its General Meeting, where all proposed resolutions were passed by poll. This includes the election of directors and approval of options issuance, reflecting strong shareholder support and potentially enhancing the company’s governance and strategic direction.

The most recent analyst rating on (AU:COG) stock is a Buy with a A$1.61 price target. To see the full list of analyst forecasts on COG Financial Services Limited stock, see the AU:COG Stock Forecast page.

COG Financial Services Sees Change in Substantial Holder Interests

COG Financial Services Limited, a company listed on the ASX, has announced a change in the interests of a substantial holder as per the Corporations Act 2001. NAOS Asset Management Limited and related parties have reduced their voting power in COG Financial Services from 12.14% to 10.16%, reflecting a decrease in the number of ordinary shares held. This change may impact the company’s shareholder dynamics and influence future decision-making processes.

The most recent analyst rating on (AU:COG) stock is a Buy with a A$1.61 price target. To see the full list of analyst forecasts on COG Financial Services Limited stock, see the AU:COG Stock Forecast page.

COG Financial Services Sells Stake in Earlypay Limited

COG Financial Services Limited has announced that it has ceased to be a substantial holder in Earlypay Limited as of May 22, 2025. This change was due to an on-market sale of over 58 million ordinary shares, amounting to a consideration of approximately $12.76 million. The divestment could impact COG’s investment strategy and influence its financial position, while potentially affecting Earlypay’s shareholder structure and market perception.

The most recent analyst rating on (AU:COG) stock is a Buy with a A$1.61 price target. To see the full list of analyst forecasts on COG Financial Services Limited stock, see the AU:COG Stock Forecast page.

COG Financial Services Adjusts Investment in Centrepoint Alliance

COG Financial Services Limited has announced that it ceased to be a substantial holder in Centrepoint Alliance Limited as of May 21, 2025. This change was due to on-market sales totaling over $13.8 million, affecting a significant number of voting securities. The announcement indicates a strategic shift in COG’s investment portfolio, potentially impacting its market positioning and stakeholder interests.

The most recent analyst rating on (AU:COG) stock is a Buy with a A$1.61 price target. To see the full list of analyst forecasts on COG Financial Services Limited stock, see the AU:COG Stock Forecast page.

COG Financial Services Updates Securities Issue Timeline

COG Financial Services Limited announced an update regarding the proposed issue of securities, notifying the market of the actual Extraordinary General Meeting (EGM) date and the revised proposed issue date. This update is crucial for stakeholders as it provides clarity on the timeline for the securities issue, which could impact the company’s market operations and investor relations.

The most recent analyst rating on (AU:COG) stock is a Buy with a A$1.61 price target. To see the full list of analyst forecasts on COG Financial Services Limited stock, see the AU:COG Stock Forecast page.

COG Financial Services Director Increases Shareholding

COG Financial Services Limited announced a change in the director’s interest, with John Dwyer acquiring 311,753 ordinary fully paid shares through an on-market acquisition, increasing his total holdings to 4,500,000 shares. This acquisition reflects a strategic move by the director, potentially signaling confidence in the company’s future performance and impacting stakeholder perceptions positively.

1851 Capital Becomes Substantial Holder in COG Financial Services

COG Financial Services Ltd has announced that 1851 Capital Pty Ltd has become a substantial holder in the company as of April 17, 2025. 1851 Capital Pty Ltd acquired 10,527,058 ordinary shares, representing a 5.22% voting power in COG Financial Services Ltd. This acquisition may influence the company’s shareholder dynamics and potentially impact its strategic decisions moving forward.

COG Financial Services Director Increases Shareholding

COG Financial Services Limited announced a change in the director’s interest, with John Dwyer acquiring an additional 500,000 ordinary fully paid shares at a value of $1.14 per share, totaling $570,000. This acquisition increases his total holdings to 4,188,247 shares, potentially strengthening his influence within the company and signaling confidence in its future prospects.