COG FINANCIAL SERVICES LIMITED (COG)
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COG - COG FINANCIAL SERVICES LIMITED

FNArena Sector : Business & Consumer Credit
Year End: June
GICS Industry Group : Diversified Financials
Debt/EBITDA: 4.55
Index: ALL-ORDS

LAST PRICE CHANGE +/- CHANGE % VOLUME

$1.42

21 Feb
2024

-0.020

OPEN

$1.43

-1.39%

HIGH

$1.43

12,073

LOW

$1.42

TARGET
$1.85 30.3% upside
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FNARENA'S MARKET CONSENSUS FORECASTS
COG: 1
Title FY22
Actual
FY23
Actual
FY24
Forecast
FY25
Forecast
EPS (cps) xxx 4.3 14.0 xxx
DPS (cps) xxx 8.4 8.6 xxx
EPS Growth xxx - 61.0% 100.0% xxx
DPS Growth xxx 1.2% 1.8% xxx
PE Ratio xxx N/A 10.1 xxx
Dividend Yield xxx N/A 6.0% xxx
Div Pay Ratio(%) xxx 197.2% 61.1% xxx

Dividend yield today if purchased 3 years ago: 93.33%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

5.92

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 © 2024 FactSet UK Limited. All rights reserved
Title 201820192020202120222023
EPS Basic xxxxxxxxxxxxxxx4.3
DPS All xxxxxxxxxxxxxxx8.4
Sales/Revenue xxxxxxxxxxxxxxx366.0 M
Book Value Per Share xxxxxxxxxxxxxxx86.0
Net Operating Cash Flow xxxxxxxxxxxxxxx31.8 M
Net Profit Margin xxxxxxxxxxxxxxx2.20 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 201820192020202120222023
Return on Capital Employed xxxxxxxxxxxxxxx4.81 %
Return on Invested Capital xxxxxxxxxxxxxxx3.51 %
Return on Assets xxxxxxxxxxxxxxx1.45 %
Return on Equity xxxxxxxxxxxxxxx4.81 %
Return on Total Capital xxxxxxxxxxxxxxx10.08 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx13.7 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 201820192020202120222023
Short-Term Debt xxxxxxxxxxxxxxx206 M
Long Term Debt xxxxxxxxxxxxxxx78 M
Total Debt xxxxxxxxxxxxxxx284 M
Goodwill - Gross xxxxxxxxxxxxxxx-
Cash & Equivalents - Generic xxxxxxxxxxxxxxx102 M
Price To Book Value xxxxxxxxxxxxxxx1.61

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 201820192020202120222023
Capex xxxxxxxxxxxxxxx3.2 M
Capex % of Sales xxxxxxxxxxxxxxx0.88 %
Cost of Goods Sold xxxxxxxxxxxxxxx234 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx85 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx18 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

2
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Ord Minnett

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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Bell Potter

12/02/2024

1

Buy

$1.83

28.87%

COG Financial Services reported a first half unaudited profit attributable to shareholders in line with Bell Potter's forecast. Broker-driven loan volumes appear to be holding up, the broker suggests, albeit at a lower margin for each incremental loan commitment.

Funds under management were not disclosed but have "presumably" increased. New car sales have continued to normalise with a record 1.2m vehicle deliveries for 2023.

Bell Potter's positive view is confirmed by healthy bank and non-bank liquidity and greater monetisation of the group’s equity and independent member finance brokers.

Target rises to $1.83 from $1.81, Buy retained.

FORECAST
Bell Potter forecasts a full year FY24 dividend of 8.60 cents and EPS of 13.80 cents.
Bell Potter forecasts a full year FY25 dividend of 9.10 cents and EPS of 14.70 cents.

COG STOCK CHART