COG Financial Services Limited (COG) AI Stock Analysis

• Market Cap: AU$281.77M
• Dividend Yield: 2.86%
• Average Volume (3M): 275.48K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.24
• Revenue Growth: -26.30%
• EPS Growth: 40.12%
• Country: AU
• Employees: 1,000
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.06
• Shares Outstanding: 211,858,050
• 10 Day Avg. Volume: 303,634
• 30 Day Avg. Volume: 275,475
• PEG Ratio: 0.41
• Price to Book (P/B): 2.10
• Price to Sales (P/S): 0.87
• P/FCF Ratio: 6.96
• 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$2.19
• Price Target Upside: 62.22% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): 0.15
• Revenue Forecast (FY): AU$412.23M

• Rating: 54 Neutral
• Price Target: AU$1.50 ▲(11.11% Upside)
• Action: Reiterated Date: 02/05/26
• Date: Action: Reiterated 02/05/26

The score is primarily held back by weak technicals (price below all key moving averages and negative MACD) and mixed financial performance (sharp revenue growth decline and high leverage). Offsetting factors include improved profitability margins, generally healthy cash-flow ratios, and a moderate dividend yield.

Positive Factors

Diversified revenue streams

COG's business mixes brokerage/origination, broker-aggregation services, owned loan/lease portfolio interest and ancillary fees. This multi-stream model spreads revenue exposure across origination fees, ongoing trails and portfolio interest, supporting stable cash flows and cross-sell over months.

Negative Factors

Declining revenue trend

A steep revenue decline signals weaker origination volumes or lower commissions. Reduced top-line scale undermines fee income, broker economics and the ability to cover fixed support costs, posing a structural headwind to sustainable earnings and growth in coming quarters.

COG Financial Services Limited Business Overview & Revenue Model

Company Description

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 a...

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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 a...

How the Company Makes Money

COG makes money through multiple income streams tied to originating and holding asset-finance contracts. (1) Brokerage/origination income: when COG (and its broking businesses) arranges finance for customers through third-party lenders, it earns u...

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COG makes money through multiple income streams tied to originating and holding asset-finance contracts. (1) Brokerage/origination income: when COG (and its broking businesses) arranges finance for customers through third-party lenders, it earns u...

COG Financial Services Limited Financial Statement Overview

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	313.25M	367.73M	362.35M	366.01M	320.77M	267.77M
Gross Profit	195.55M	283.43M	169.20M	132.47M	105.39M	92.26M
EBITDA	80.56M	75.16M	74.28M	62.41M	53.25M	48.32M
Net Income	20.19M	18.77M	12.85M	8.05M	19.68M	-26.38M
Balance Sheet
Total Assets	738.00M	694.80M	687.12M	593.00M	518.22M	476.69M
Cash, Cash Equivalents and Short-Term Investments	183.39M	149.25M	125.68M	101.80M	76.11M	94.51M
Total Debt	388.27M	375.98M	376.75M	283.73M	243.27M	225.94M
Total Liabilities	536.47M	488.30M	483.49M	378.53M	310.61M	287.03M
Stockholders Equity	151.40M	152.08M	151.69M	163.92M	170.95M	152.34M
Cash Flow
Free Cash Flow	55.80M	45.92M	35.66M	28.55M	205.73M	187.95M
Operating Cash Flow	56.95M	49.30M	46.36M	31.79M	208.19M	190.85M
Investing Cash Flow	17.24M	2.66M	-87.16M	-19.53M	-201.93M	-75.11M
Financing Cash Flow	-25.99M	-28.39M	64.69M	30.12M	-24.67M	-55.92M

COG Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.35
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 Negative. The current price of 1.35 is below the 20-day moving average (MA) of 1.40, below the 50-day MA of 1.61, and below the 200-day MA of 1.83, indicating a bearish trend. The MACD of -0.08 indicates Negative momentum. The RSI at 38.23 is Neutral, neither overbought nor oversold. The STOCH value of 53.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NWL	64 Neutral	AU$5.21B	-724.26	32.56%	1.45%	28.29%	39.39%
OFX	63 Neutral	AU$137.87M	21.16	9.10%	―	-5.73%	-36.36%
COG	54 Neutral	AU$281.77M	10.89	12.36%	2.86%	-26.30%	40.12%
PPS	52 Neutral	AU$307.11M	9.65	15.42%	2.81%	24.56%	59.32%
RZI	48 Neutral	AU$56.38M	5.73	-0.15%	―	5.03%	52.31%
FNX	46 Neutral	AU$11.21M	-5.25	-17.55%	―	43.00%	-6078.57%

COG Financial Services Limited Corporate Events