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COG Financial Services Limited (COG.AX)

AUD1.45 +0.03 (+1.75%)
AU ASX Financial Services Financial - Capital Markets
Address 72 Archer Street 2067
Chatswood, NSW, AU
CEO Andrew Bennett
Website cogfs.com.au
IPO 2003-01-23
ISIN AU000000COG7

Explore sections of this company profile

Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
AUD1.45 +0.03 (+1.75%)
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Volume Profile
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Liquidity & share structure
Average Volume
416.7K
Beta
0.45
Float Shares
171.94M
Free Float %
80.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.31% +0.67% +11.03% -1.95% -29.77% -27.75% +0.00% +7.86% +16.15% +39.81% -78.79%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1.45
DCF (Unlevered) 6.86 +373.4%
DCF (Levered) 18.97 +1,208.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 4 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.79
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Financial - Capital Markets: +19.7%
    +1.5% Q4'25: -15.7% (vs Q4'23)
  • ✓
    EPS growth Financial - Capital Markets: +35.3%
    +40.9% ★ Q4'25: +0.8% (vs Q4'23)
  • ✓
    FCF margin FCF growth · Financial - Capital Markets: +29.5%
    +12.2% Q4'25: +19.8% (vs Q4'23)
  • ✗
    EBIT margin Financial - Capital Markets: +33.5%
    +16.8% Q4'25: +17.4% (vs Q4'23)
  • ✗
    ROIC Financial - Capital Markets: +4.0%
    +10.2% ★ Q4'25: +23.0% (vs Q4'23)
  • ✗
    Share dilution Financial - Capital Markets: +0.0%
    +3.7% Q4'25: +7.6% (vs Q4'23)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Financial - Capital Markets: -0.30×
    5.00× Q4'25: 2.22× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.46) × ERP
WACC = 45% × Ke + 56% × Kd (7.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 6.86 Current price: 1.45
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jun 2018
actual 		Jun 2019
actual 		Jun 2020
actual 		Jun 2021
actual 		Jun 2022
actual 		Jun 2023
actual 		Jun 2024
actual 		Jun 2025
actual 		Jun 2026
4 Rev. Ana.
3 EPS Ana. 		Jun 2027
4 Rev. Ana.
3 EPS Ana. 		Jun 2028
4 Rev. Ana.
2 EPS Ana. 		Jun 2029
2 Rev. Ana.
1 EPS Ana.
Revenue
164.95M
est: 142.90M (+15.4%)
217.45M
est: 233.70M (-7.0%)
215.86M
est: 231.90M (-6.9%)
267.77M
est: 243.00M (+10.2%)
320.77M
est: 323.40M (-0.8%)
366.01M
est: 342.10M (+7.0%)
362.35M
est: 488.00M (-25.7%)
367.73M
est: 515.97M (-28.7%)
411.04M
393.18M – 438.71M
-20.3% YoY
435.66M
415.81M – 453.23M
+6.0% YoY
455.41M
455.40M – 455.41M
+4.5% YoY
463.55M
442.91M – 488.32M
+1.8% YoY
EBITDA
24.72M
est: 26.48M (-6.6%)
30.13M
est: -2.63M (+1,244.8%)
26.85M
est: 43.11M (-37.7%)
48.32M
est: 45.17M (+7.0%)
53.25M
est: -16.71M (+418.7%)
62.41M
est: 63.38M (-1.5%)
74.28M
est: 119.98M (-38.1%)
75.16M
est: 126.86M (-40.8%)
101.06M
96.67M – 107.86M
-20.3% YoY
107.11M
102.23M – 111.43M
+6.0% YoY
111.97M
111.97M – 111.97M
+4.5% YoY
113.97M
108.89M – 120.06M
+1.8% YoY
EBIT
19.09M
est: 20.61M (-7.4%)
23.21M
est: 28.32M (-18.1%)
17.29M
est: 33.56M (-48.5%)
36.96M
est: 35.16M (+5.1%)
41.30M
est: 4.91M (+741.1%)
47.83M
est: 49.34M (-3.1%)
56.48M
est: 102.05M (-44.7%)
61.70M
est: 107.90M (-42.8%)
85.96M
82.22M – 91.75M
-20.3% YoY
91.11M
86.96M – 94.78M
+6.0% YoY
95.24M
95.24M – 95.24M
+4.5% YoY
96.94M
92.62M – 102.12M
+1.8% YoY
Net Income
3.83M
est: 9.89M (-61.3%)
4.30M
est: 5.86M (-26.6%)
-10.05M
est: 13.91M (-172.2%)
-26.38M
est: 17.88M (-247.5%)
19.69M
est: -10.76M (+282.9%)
8.06M
est: 24.86M (-67.6%)
12.85M
est: 25.99M (-50.5%)
18.78M
est: 23.40M (-19.8%)
29.55M
28.35M – 30.75M
+26.3% YoY
33.17M
30.82M – 35.53M
+12.3% YoY
32.31M
29.50M – 42.18M
-2.6% YoY
42.59M
40.12M – 45.55M
+31.8% YoY
SGA
60.36M
est: 68.30M (-11.6%)
87.24M
est: 65.93M (+32.3%)
94.53M
est: 111.20M (-15.0%)
106.30M
est: 116.53M (-8.8%)
143.43M
est: 60.15M (+138.5%)
153.82M
est: 163.51M (-5.9%)
212.36M
est: 233.25M (-9.0%)
198.35M
est: 246.61M (-19.6%)
196.46M
187.93M – 209.69M
-20.3% YoY
208.23M
198.74M – 216.63M
+6.0% YoY
217.67M
217.67M – 217.67M
+4.5% YoY
221.56M
211.69M – 233.40M
+1.8% YoY
EPS
0.03
est: 0.05 (-40.7%)
0.03
est: 0.08 (-59.5%)
-0.07
est: 0.07 (-198.5%)
-0.16
est: 0.09 (-279.4%)
0.11
est: 0.13 (-16.7%)
0.04
est: 0.12 (-65.6%)
0.07
est: 0.12 (-46.4%)
0.09
est: 0.12 (-21.6%)
0.15
0.14 – 0.15
+23.0% YoY
0.17
0.15 – 0.18
+13.0% YoY
0.18
0.15 – 0.21
+7.6% YoY
0.21
0.20 – 0.23
+18.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C+ 2/5 1/5 4/5 4/5 1/5 1/5 1/5
2026-05-28 C+ 2/5 1/5 4/5 4/5 1/5 1/5 1/5
2026-05-27 C+ 2/5 1/5 4/5 4/5 1/5 1/5 1/5
2026-05-26 C+ 2/5 1/5 4/5 4/5 1/5 1/5 1/5
2026-05-25 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-22 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-21 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-20 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-19 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-18 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-15 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-14 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-13 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-12 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-11 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-08 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-07 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-06 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-05 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-04 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-05-01 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-04-30 C+ 2/5 1/5 4/5 5/5 1/5 1/5 1/5
2026-04-29 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-28 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-27 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-24 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-23 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-22 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-21 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-20 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-17 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-04-16 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
105.14M
OE per share TTM
0.53
Owner's Yield
33.81%
Maintenance CapEx ratio
21.96%
Maint CapEx / Avg PPE
4.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
61.7K
Shares Outstanding
213.27M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Andrew Bennett Chief Executive Officer 944.3K male
Richard Balzer Chief Financial Officer 475.1K male
David James Franks Company Secretary — male
Mark Dal Pozzo Group Chief Information Officer — —
Philip Mcleod General Counsel — —
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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