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COG Financial Services Limited (AU:COG)
ASX:COG
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COG Financial Services Limited (COG) AI Stock Analysis

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AU:COG

COG Financial Services Limited

(Sydney:COG)

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Neutral 66 (OpenAI - 4o)
Rating:66Neutral
Price Target:
AU$2.50
▲(8.70% Upside)
COG Financial Services Limited's stock score is driven primarily by strong technical momentum and moderate valuation. Financial performance is mixed, with concerns about revenue growth and leverage. The absence of earnings call data and corporate events limits additional insights.

COG Financial Services Limited (COG) vs. iShares MSCI Australia ETF (EWA)

COG Financial Services Limited Business Overview & Revenue Model

Company DescriptionCOG 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.
How the Company Makes MoneyCOG generates revenue through various channels, primarily by earning interest on loans it provides to customers for vehicle and equipment purchases. The company charges fees for loan origination and administration, which contribute significantly to its income. Additionally, COG may earn income through partnerships with dealerships and other financial institutions, enhancing its distribution network and customer reach. The company also explores opportunities in asset management and servicing, thereby diversifying its revenue streams. Its technology-driven approach allows for lower operational costs, improving overall profitability.

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
65
Positive
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
55
Neutral
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
60
Neutral
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue512.48M367.73M362.35M366.01M320.77M267.77M
Gross Profit293.72M283.43M169.20M132.47M105.39M92.26M
EBITDA75.90M75.16M74.28M62.41M53.25M48.32M
Net Income12.21M18.77M12.85M8.05M19.68M-26.38M
Balance Sheet
Total Assets707.55M694.80M687.12M593.00M518.22M476.69M
Cash, Cash Equivalents and Short-Term Investments135.19M149.25M125.68M101.80M76.11M94.51M
Total Debt398.11M375.98M376.75M283.73M243.27M225.94M
Total Liabilities507.00M488.30M483.49M378.53M310.61M287.03M
Stockholders Equity150.26M152.08M151.69M163.92M170.95M152.34M
Cash Flow
Free Cash Flow47.54M45.92M35.66M28.55M205.73M187.95M
Operating Cash Flow53.51M49.30M46.36M31.79M208.19M190.85M
Investing Cash Flow-97.54M2.66M-87.16M-19.53M-201.93M-75.11M
Financing Cash Flow71.61M-28.39M64.69M30.12M-24.67M-55.92M

COG Financial Services Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2.30
Price Trends
50DMA
1.99
Positive
100DMA
1.80
Positive
200DMA
1.45
Positive
Market Momentum
MACD
0.10
Negative
RSI
58.77
Neutral
STOCH
73.14
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 2.3 is above the 20-day moving average (MA) of 2.22, above the 50-day MA of 1.99, and above the 200-day MA of 1.45, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 58.77 is Neutral, neither overbought nor oversold. The STOCH value of 73.14 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
66
Neutral
AU$8.07B69.0767.81%1.20%28.29%39.39%
66
Neutral
AU$487.27M24.4412.36%2.61%-26.30%40.12%
66
Neutral
AU$186.53M7.6914.15%-4.69%-18.65%
64
Neutral
AU$397.09M29.3312.27%2.71%24.56%59.32%
62
Neutral
€85.35M-0.15%5.03%52.31%
45
Neutral
AU$9.03M196.43-19.59%1.82%49.34%-3842.86%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:COG
COG Financial Services Limited
2.30
1.33
137.11%
AU:RZI
Raiz Invest Ltd.
0.81
0.38
87.50%
AU:PPS
Praemium Ltd
0.83
0.25
43.10%
AU:OFX
OFX Group Ltd.
0.80
-0.58
-42.03%
AU:NWL
Netwealth Group Ltd.
32.09
4.13
14.77%
AU:FNX
Finexia Financial Group Ltd
0.14
-0.14
-50.00%

COG Financial Services Limited Corporate Events

COG Financial Services Announces Director’s Interest Change
Jul 25, 2025

COG Financial Services Limited has announced a change in the director’s interest, specifically concerning John Dwyer, a Non-Executive Director. The company has allotted 2,500,000 unlisted options to Mr. Dwyer, exercisable at $1.30 and expiring on March 31, 2028. This allotment follows an appointment letter, a board renewal announcement, and shareholder approval. The change reflects the company’s strategic efforts to align its leadership incentives with its long-term goals, potentially impacting its governance and stakeholder relations positively.

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 Announces Change in Director’s Interest
Jul 25, 2025

COG Financial Services Limited announced a change in the director’s interest, specifically concerning Antony Robinson. Robinson, who holds an indirect interest through Robinson House Pty Ltd and Rowena House Pty Ltd, has been allotted 2,500,000 unlisted options exercisable at $1.30, expiring on March 31, 2028. This allotment was made without any consideration, following an appointment letter, a board renewal announcement, and shareholder approval. The change reflects the company’s strategic board renewal efforts and could impact its governance and operational dynamics.

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 Issues Unquoted Equity Securities
Jul 25, 2025

COG Financial Services Limited announced the issuance of 5,000,000 unquoted equity securities with an exercise price of $1.30, set to expire on March 31, 2028. This issuance is part of a previously announced transaction, indicating ongoing strategic financial maneuvers by the company, which could impact its operational funding and market positioning.

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 Announces Successful General Meeting Outcomes
Jun 27, 2025

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
May 28, 2025

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
May 22, 2025

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
May 21, 2025

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
May 20, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 10, 2025