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Home CompaniesCOG Financial Services Ltd

COG Financial Services Ltd

Financial Services Capital Markets
PortfolioPortfolio WatchlistWatchlist
Company price
1.58 AUD -0.07 ( 4.24%)
Last update at 2026-11-06T05:10:00Z
VOLUME
848937
Market Cap
351.90M
P/E
15.00

Momentum Score

…

COG Financial Services Limited, together with its subsidiaries, operates as a finance broker aggregator in Australia. The company operates through Salary Packaging, Broking & Aggregation, and Lending segments. It offers novated leasing and salary packaging services to government and private sector customers; financing arrangements to commercial customers for essential business assets and the management of investment funds; car and equipment finance aggregation; and processing services to mortgage brokers. The company is also involved in aggregation of broker volumes to maximize profitability through scale; finance broking on a range of finance products and asset types; and SME finance broking and aggregation businesses. In addition, it provides commercial and consumer products for vehicles, equipment, business debtor and cash flow finance, leisure, marine, and personal loans; finance and insurance solutions; equipment finance solutions; and asset finance, insurance, and mortgage solutions. 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 North Sydney, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
1.57
Low
1.62
High
52 Week Price Range
1.11
Low
2.29
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

COG Financial Services Ltd is an Australia-listed firm operating in the financial services sector; publicly available disclosures are limited. Its long-term growth may depend on expanding lending or fee-based product volumes, managing interest margins and achieving operational scale, which could support revenue if executed successfully. Investors may find exposure to financial intermediation attractive but outcomes appear contingent on execution and market conditions.
Material risks include limited transparency that hampers assessment, credit and interest-rate exposure, regulatory oversight inherent to financial services and potential liquidity and execution challenges for a small-listed company.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
1.65
Dividend Yield
4.35%
Revenue TTM
403.43M
Revenue Per Share
1.93
Gross Profit TTM
308.47M
Debt / Equity
2.21
ROE
16.13%
Net Debt
158.80M
ROCE
13.31%
Diluted EPS TTM
0.11

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 48.44M 41.35M 36.09M 28.05M 38.74M
Minority interest - -10.95M -11.32M -9.90M -8.87M
Net income 24.24M 18.77M 12.85M 8.05M 19.68M
Selling general administrative - 32.25M 123.59M 21.03M 12.95M
Selling and marketing expenses - 163.92M 88.77M 132.79M 129.19M
Gross profit 193.44M 283.43M 169.20M 132.47M 105.39M
Reconciled depreciation - 17.83M 17.80M 14.58M 11.96M
Ebit 71.69M 61.70M 56.48M 47.83M 41.30M
Ebitda 90.90M 75.16M 74.28M 62.41M 53.25M
Depreciation and amortization 19.21M 13.46M 17.80M 14.58M 11.96M
Operating income 73.01M 85.08M 56.48M 47.83M 41.30M
Other operating expenses 330.42M 282.66M 281.93M 318.18M 279.48M
Interest expense 23.25M 26.28M 2.47M 8.48M 4.96M
Tax provision - 11.63M 11.92M 10.09M 10.19M
Interest income - 4.19M 3.42M 1.47M 0.18M
Net interest income - 0.27M 0.95M -7.02M -4.78M
Income tax expense 15.07M 11.63M 11.92M 10.09M 10.19M
Total revenue 403.43M 367.73M 362.35M 366.01M 320.77M
Total operating expenses 120.43M 198.35M 112.72M 84.64M 64.09M
Cost of revenue 209.99M 84.31M 206.03M 233.54M 215.39M
Total other income expense net -24.57M -43.72M -20.39M -19.78M -2.56M
Net income from continuing ops - 29.73M 24.17M 17.96M 28.55M
Net income applicable to common shares - 18.77M 12.85M 8.05M 19.68M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 743.92M 694.80M 687.12M 593.00M 518.22M
Intangible assets 216.04M 35.71M - 51.21M 45.55M
Other current assets - - -423.87M 80.70M -64.06M
Total liab 537.30M 488.30M 483.49M 378.53M 310.61M
Total stockholder equity 156.28M 152.08M 151.69M 163.92M 170.95M
Other current liab - - -226.18M 261.57M 238.42M
Common stock 313.33M - 285.00M 279.47M 275.51M
Capital stock - 292.00M - 279.47M 275.51M
Retained earnings -117.79M -117.79M -117.79M -117.79M -117.79M
Other liab - - - 27.63M 15.56M
Good will - 143.15M - 132.88M 102.60M
Other assets - - 687.12M 174.81M 157.07M
Cash 187.00M 149.25M 125.68M 101.80M 76.11M
Cash and equivalents - - - 101.80M 76.11M
Total current liabilities 205.29M - 226.18M 273.01M 249.28M
Current deferred revenue - - - -218.07M -199.39M
Net debt 158.80M 226.73M 251.07M 181.93M 167.17M
Short term debt 205.29M - 226.18M 205.84M 197.50M
Short long term debt - 234.10M - 205.84M 197.50M
Short long term debt total 345.81M - 376.75M 283.73M 243.27M
Other stockholder equity - - -0.00M -188.61M -192.63M
Property plant equipment - - - 14.56M 13.98M
Total current assets 433.96M - - 205.42M 173.26M
Long term investments - 307.43M - 258.40M 250.06M
Net tangible assets - - - -20.17M 22.80M
Short term investments - 113.33M - 77.76M 75.13M
Net receivables 246.96M 0.45M 298.19M 22.39M 18.86M
Long term debt - 141.88M - 77.89M 45.77M
Inventory - - - 0.53M 0.29M
Accounts payable - 22.04M - 23.66M 12.75M
Accumulated other comprehensive income -39.26M - -15.52M 2.24M 13.23M
Non currrent assets other 35.99M - -18.59M -212.77M -187.89M
Non current assets total 309.97M - 25.29M 212.77M 187.89M
Long term debt total - - - 77.89M 45.77M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - 2.66M -87.16M -36.22M -6.88M
Change to liabilities - - - -0.97M 4.86M
Total cashflows from investing activities -7.24M 2.66M -87.16M -36.22M -202.04M
Net borrowings - -7.78M 88.96M 34.05M -28.61M
Total cash from financing activities -37.37M -28.39M 64.69M 30.12M -24.56M
Change to operating activities - - - 2.05M 167.06M
Net income 24.24M 18.77M 12.85M 8.05M 19.68M
Change in cash 37.75M 23.57M 23.88M 25.69M -18.41M
Begin period cash flow 149.25M 125.68M 101.80M 76.11M 94.51M
End period cash flow 187.00M 149.25M 125.68M 101.80M 76.11M
Total cash from operating activities 82.36M 49.30M 46.36M 31.79M 35.20M
Issuance of capital stock - 4.41M 3.81M 4.07M 29.02M
Depreciation 19.21M 17.83M 17.80M 13.64M 11.32M
Other cashflows from investing activities 53.11M 15.19M -42.01M -24.60M -193.94M
Dividends paid 13.47M 14.70M 16.71M 24.58M 24.25M
Change to inventory - 0.18M 0.35M -0.24M 0.22M
Change to account receivables -0.34M 2.45M 1.71M -3.04M -1.15M
Sale purchase of stock - 4.41M 3.81M -0.11M -0.83M
Other cashflows from financing activities -11.59M -10.33M -11.37M 113.97M 7.61M
Change to netincome - - - 17.07M 9.58M
Capital expenditures 0.98M 3.39M 10.69M 11.62M 8.10M
Change in working capital 26.11M 10.87M 4.37M -3.29M -0.94M
Stock based compensation - 2.92M 0.49M 0.77M 0.03M
Other non cash items 12.79M -1.09M 11.34M 10.09M 4.19M
Free cash flow 81.38M 45.92M 35.66M 20.16M 27.10M

Peer Comparison*

Sector: Financial Services Industry: Capital Markets

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
COG
COG Financial Services Ltd		 -0.07
4.24%		 1.58 15.00 12.95 0.87 2.20 3.14
MQG
Macquarie Group Ltd		 -9.54
3.69%		 248.86 - 18.80 13.25 2.66 47.37
MQGPE
Macquarie Group Ltd		 -0.10
0.10%		 102.00 8.30 - - - -
MQGPD
Macquarie Group Ltd		 -0.12
0.12%		 102.05 13.20 - 1.84 - -
CPU
Computershare Ltd		 0.56
1.32%		 42.99 26.85 19.42 5.22 7.43 5.26

Profile*

COG Financial Services Ltd

COG Financial Services Limited, together with its subsidiaries, operates as a finance broker aggregator in Australia. The company operates through Salary Packaging, Broking & Aggregation, and Lending segments. It offers novated leasing and salary packaging services to government and private sector customers; financing arrangements to commercial customers for essential business assets and the management of investment funds; car and equipment finance aggregation; and processing services to mortgage brokers. The company is also involved in aggregation of broker volumes to maximize profitability through scale; finance broking on a range of finance products and asset types; and SME finance broking and aggregation businesses. In addition, it provides commercial and consumer products for vehicles, equipment, business debtor and cash flow finance, leisure, marine, and personal loans; finance and insurance solutions; equipment finance solutions; and asset finance, insurance, and mortgage solutions. 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 North Sydney, Australia.

65 Berry Street, North Sydney, NSW, Australia, 2060

800-345-6611

https://www.cogfs.com.au

Name Title Year Born
Mr. Andrew Bennett Chief Exec. Officer NA
Mr. Cameron Scott McCullagh B.Bus, F.C.A. Exec. Director and Head of Fin. Broking & Aggregation NA
Mr. Mark Crain Exec. Director NA
Richard Balzer Chief Financial Officer NA
Mark Dal Pozzo Group Chief Information Officer NA
Mr. David James Franks B.Ec, BEc, C.A., CA, F Fin, J.P., JP. Company Sec. 1970
Mr. Andrew Bennett Chief Executive Officer NA
Mr. Richard Balzer Chief Financial Officer NA
Mr. Cameron Scott McCullagh B.Bus, F.C.A. Executive Director and Head of Finance Broking & Aggregation NA
Mr. Mark Crain Executive Director NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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