COG FINANCIAL SERVICES LIMITED (COG)
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COG

COG - COG FINANCIAL SERVICES LIMITED

FNArena Sector : Business & Consumer Credit
Year End: June
GICS Industry Group : Diversified Financials
Debt/EBITDA: 4.73
Index: ALL-ORDS

LAST PRICE CHANGE +/- CHANGE % VOLUME

$1.69

29 Aug
2025

-0.070

OPEN

$1.70

-3.98%

HIGH

$1.71

195,633

LOW

$1.68

TARGET
$1.98 17.2% upside
OTHER COMPANIES IN THE SAME SECTOR
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FNARENA'S MARKET CONSENSUS FORECASTS
COG: 1
Title FY24
Actual		 FY25
Actual		 FY26
Forecast		 FY27
Forecast
EPS (cps) xxx 9.4 13.3 xxx
DPS (cps) xxx 6.0 6.7 xxx
EPS Growth xxx 41.1% 41.7% xxx
DPS Growth xxx - 28.6% 11.1% xxx
PE Ratio xxx N/A 12.7 xxx
Dividend Yield xxx N/A 3.9% xxx
Div Pay Ratio(%) xxx 63.8% 50.0% xxx

Dividend yield today if purchased 3 years ago: 3.31%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 3.55

Estimated Dividend Growth
(Average Of Past Three Years)

  %

Amount Invested

 $ 

Tell Me The Dividend After This Many Years
Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages

Last ex-div: 23/09 - ex-div 0.15c (franking 100%)

HISTORICAL DATA ARE ALL IN AUD
Copyright © 2025 FactSet UK Limited. All rights reserved
Title 202020212022202320242025
EPS Basic xxxxxxxxxxxxxxx9.4
DPS All xxxxxxxxxxxxxxx6.0
Sales/Revenue xxxxxxxxxxxxxxx367.7 M
Book Value Per Share xxxxxxxxxxxxxxx75.3
Net Operating Cash Flow xxxxxxxxxxxxxxx49.3 M
Net Profit Margin xxxxxxxxxxxxxxx5.11 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 202020212022202320242025
Return on Capital Employed xxxxxxxxxxxxxxx12.36 %
Return on Invested Capital xxxxxxxxxxxxxxx6.30 %
Return on Assets xxxxxxxxxxxxxxx2.72 %
Return on Equity xxxxxxxxxxxxxxx12.36 %
Return on Total Capital xxxxxxxxxxxxxxx10.61 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx31.3 M

Return on Capital Employed

Return on Invested Capital

Return on Assets

Return on Equity

Return on Total Capital

Free Cash Flow ex dividends

Title 202020212022202320242025
Short-Term Debt xxxxxxxxxxxxxxx234 M
Long Term Debt xxxxxxxxxxxxxxx142 M
Total Debt xxxxxxxxxxxxxxx376 M
Goodwill - Gross xxxxxxxxxxxxxxx-
Cash & Equivalents - Generic xxxxxxxxxxxxxxx149 M
Price To Book Value xxxxxxxxxxxxxxx2.12

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 202020212022202320242025
Capex xxxxxxxxxxxxxxx5.8 M
Capex % of Sales xxxxxxxxxxxxxxx1.58 %
Cost of Goods Sold xxxxxxxxxxxxxxx185 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx121 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx8 M

Capex

Capex % of Sales

Cost of Goods Sold

Selling, General & Admin. Exp & Other

Research & Development

Investments - Total

EXPERT VIEWS
Display All Commentary

Sentiment Indicator

0.7

No. Of Recommendations

3
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Morgans

xx/xx/xxxx

2

xxxxxxxxxx

$xx.xx

xx.xx%

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Ord Minnett

28/08/2025

2

Accumulate

$1.91

13.02%

COG Financial Services' FY25 net profit of $24m was down -1% y/y but beat Ord Minnett's estimate.

The broker reckons the company is well placed for a cyclical upswing in asset finance after soft FY24-25, with lower base rates likely to support margin growth in FY26.

Novated leasing revenue grew 22% y/y and EBITDA rose 22% y/y in FY25, on new contracts and continued EV demand. The broker sees further growth from new panel agreements and deeper penetration.

Target cut to $1.91 from $1.92. Accumulate retained.

FORECAST
Ord Minnett forecasts a full year FY26 dividend of 6.30 cents and EPS of 12.30 cents.
Ord Minnett forecasts a full year FY27 dividend of 6.50 cents and EPS of 13.50 cents.

Bell Potter

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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EXTRA COVERAGE
Display All Commentary

No. Of Recommendations

0

Please note: unlike Broker Call Report, BC Extra is not updated daily. The info you see might not be the latest. FNArena does its best to update ASAP.

BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY
Access Extra Coverage Research History >

COG STOCK CHART

FNArena News on COG

1
FNArena Corporate Results Monitor – 28-08-2025

Aug 28 2025 - Australia
2
FNArena Corporate Results Monitor – 27-02-2025

Feb 27 2025 - Australia
3
COG Financial Services Screens ‘Too Cheap’

Oct 18 2024 - Small Caps
4
FNArena Corporate Results Monitor – 29-08-2024

Aug 29 2024 - Australia
5
FNArena Corporate Results Monitor – 26-02-2024

Feb 26 2024 - Australia

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