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: 5.07
Index: ALL-ORDS

LAST PRICE CHANGE +/- CHANGE % VOLUME

$1.465

17 Jun
2025

-0.065

OPEN

$1.55

-4.25%

HIGH

$1.55

278,451

LOW

$1.46

TARGET
$1.617

+0.13 change from previous day

 10.4% upside
OTHER COMPANIES IN THE SAME SECTOR
BTN . CCP . CGR . EML . EPY . FND . FSA . HUM . JDO . LFS . MME . PLT . PPM . QAL . SIV . SMP . SVR . TYR . WZR . XYZ . ZIP .
FNARENA'S MARKET CONSENSUS FORECASTS
COG: 1
Title FY23
Actual		 FY24
Actual		 FY25
Forecast		 FY26
Forecast
EPS (cps) xxx 6.7 12.0 xxx
DPS (cps) xxx 8.4 6.3 xxx
EPS Growth xxx 56.6% 79.9% xxx
DPS Growth xxx 0.0% - 24.6% xxx
PE Ratio xxx N/A 12.1 xxx
Dividend Yield xxx N/A 4.4% xxx
Div Pay Ratio(%) xxx 125.9% 52.8% xxx

Dividend yield today if purchased 3 years ago: 5.68%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 5.79

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 201920202021202220232024
EPS Basic xxxxxxxxxxxxxxx6.7
DPS All xxxxxxxxxxxxxxx8.4
Sales/Revenue xxxxxxxxxxxxxxx499.0 M
Book Value Per Share xxxxxxxxxxxxxxx77.8
Net Operating Cash Flow xxxxxxxxxxxxxxx46.4 M
Net Profit Margin xxxxxxxxxxxxxxx2.58 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 201920202021202220232024
Return on Capital Employed xxxxxxxxxxxxxxx8.14 %
Return on Invested Capital xxxxxxxxxxxxxxx4.72 %
Return on Assets xxxxxxxxxxxxxxx2.01 %
Return on Equity xxxxxxxxxxxxxxx8.14 %
Return on Total Capital xxxxxxxxxxxxxxx10.47 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx24.6 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 201920202021202220232024
Short-Term Debt xxxxxxxxxxxxxxx226 M
Long Term Debt xxxxxxxxxxxxxxx151 M
Total Debt xxxxxxxxxxxxxxx377 M
Goodwill - Gross xxxxxxxxxxxxxxx-
Cash & Equivalents - Generic xxxxxxxxxxxxxxx126 M
Price To Book Value xxxxxxxxxxxxxxx1.45

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 201920202021202220232024
Capex xxxxxxxxxxxxxxx5.7 M
Capex % of Sales xxxxxxxxxxxxxxx1.14 %
Cost of Goods Sold xxxxxxxxxxxxxxx330 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx113 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx29 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

1.0

No. Of Recommendations

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

Bell Potter

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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Morgans

29/05/2025

1

Speculative Buy

$1.72

17.41%

COG Financial Services reported 3Q25 net profit after tax growth of 9% year-on-year, slightly exceeding Morgans’ expectations. The company delivered strong results from novated leasing, the broker explains.

The analyst is positive on the recent sale of stakes in Centrepoint Alliance and Earlypay, viewing them as indicative steps toward streamlining the business.

Morgans has lifted its EPS estimates for FY25 and FY26 by approximately 1% and 2%, respectively, due to slight upgrades in the finance broking and aggregation segments.

The Speculative Buy rating is unchanged. The target price has been raised to $1.72 from $1.09 due to a higher ascribed valuation.

FORECAST
Morgans forecasts a full year FY25 dividend of 6.00 cents and EPS of 12.00 cents.
Morgans forecasts a full year FY26 dividend of 6.20 cents and EPS of 13.00 cents.

Ord Minnett

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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Login above or Get a Free Trial
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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 – 27-02-2025

Feb 27 2025 - Australia
2
COG Financial Services Screens ‘Too Cheap’

Oct 18 2024 - Small Caps
3
FNArena Corporate Results Monitor – 29-08-2024

Aug 29 2024 - Australia
4
FNArena Corporate Results Monitor – 26-02-2024

Feb 26 2024 - Australia
5
FNArena Corporate Results Monitor – 28-08-2023

Aug 28 2023 - Australia

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