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COG Financial Services Ltd

COG Financial Services Ltd

COG · AU · Financial Services / Capital Markets

1.59AUD-0.07 (-4.50%)

Price History

Full chart

Market Stats

Previous Close1.67
Open1.65
Day Range1.59 – 1.66
52-Week Range1.11 – 2.34
Volume1.10M
Market Cap383.89M
P/E (TTM)16.36
Forward P/E12.95
EPS0.11
Dividend Yield3.89%
Beta0.47
50-Day Avg1.57
200-Day Avg1.56

About

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.

Company Details

  • SectorFinancial Services
  • IndustryCapital Markets
  • CEOMr. Andrew Bennett BEC, C.A.
  • Employees0
  • Headquarters65 Berry Street, North Sydney, NSW, Australia, 2060, Australia
  • Websitehttps://www.cogfs.com.au

Leadership

  • Mr. Andrew Bennett BEC, C.A.Chief Executive Officer
  • Mr. Richard Balzer B.Com., C.A., M.B.A.Group Chief Financial Officer
  • Mark Dal PozzoGroup Chief Information Officer
  • Philip McleodGeneral Counsel
  • Mr. David James Franks BEc, C.A., F Fin, J.P.Company Secretary · b. 1970

Financials

Income Statement

Currency: AUD2003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue1.97M15.58M696.86M518.66M11.84M391.26M4.25M-309.48K346.86K12.74M10.63M3.39M8.80M16.30M81.95M164.95M217.45M215.86M267.77M320.77M366.01M362.35M367.73M403.43M
Growth (%)-+690.15%+4372.80%-25.57%-97.72%+3203.21%-98.91%-107.28%+212.08%+3573.79%-16.59%-68.12%+159.67%+85.17%+402.93%+101.28%+31.83%-0.73%+24.05%+19.79%+14.10%-1.00%+1.49%+9.71%
Cost of Revenue-2.63M2.38M2.12M412.65M430.13M781.39K1.35M918.45K6.49M4.39M919.90K1.11M1.09M29.61M75.57M94.81M145.15M175.51M215.39M233.54M206.03M84.31M209.99M
Gross Profit1.97M12.95M694.48M516.54M-400.81M-38.88M3.47M-1.66M-571.59K6.25M6.24M2.47M7.69M15.21M52.34M89.38M122.64M70.71M92.26M105.39M132.47M169.20M283.43M193.44M
Gross Margin100.00%83.11%99.66%99.59%-3383.84%-9.94%81.62%535.37%-164.79%49.07%58.69%72.86%87.38%93.34%63.87%54.19%56.40%32.76%34.46%32.85%36.19%46.70%77.07%47.95%
Operating Expense945.72K6.69M685.78M511.76M-406.19M-7.57M51.95M578.55K-10.97M5.09M7.77M576.02K497.01K934.00K43.62M70.30M99.42M56.10M55.30M64.09M84.64M112.72M198.35M120.43M
Operating Income1.03M6.26M8.70M4.78M5.38M-31.30M-48.48M-2.24M10.40M1.16M-1.53M1.89M7.19M14.28M8.72M19.09M23.21M14.60M36.96M41.30M47.83M56.48M85.08M73.01M
Operating Margin52.04%40.17%1.25%0.92%45.41%-8.00%-1140.69%722.32%2998.68%9.14%-14.44%55.86%81.73%87.60%10.65%11.57%10.67%6.77%13.80%12.87%13.07%15.59%23.13%18.10%
EBITDA1.03M6.27M3.69M4.39M4.24M-35.22M-48.59M-2.26M10.40M7.97M4.99M2.09M7.39M14.47M10.35M24.72M30.13M26.85M48.32M53.25M62.41M74.28M75.16M90.90M
EBITDA Margin52.21%40.22%0.53%0.85%35.81%-9.00%-1143.09%731.42%2998.78%62.56%46.95%61.55%83.92%88.79%12.63%14.98%13.85%12.44%18.05%16.60%17.05%20.50%20.44%22.53%
Net Income211.23K2.14M3.19M3.19M3.45M-23.79M-59.60M-2.26M10.40M-2.38M-593.53K3.65M7.80M14.21M-1.73M3.83M4.30M-10.05M-26.38M19.68M8.05M12.85M18.77M24.24M
Net Income Margin10.71%13.73%0.46%0.62%29.09%-6.08%-1402.24%731.75%2997.68%-18.67%-5.58%107.85%88.63%87.19%-2.11%2.32%1.98%-4.65%-9.85%6.14%2.20%3.55%5.11%6.01%
R&D----------22.07K--4.970.080.060.060.020.040.110.08---
R&D as % of Total Revenue----------0.21%--0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%---
Interest Expense603.57K1.98M1.59M398.29K1.14M3.92M195.20K29.19K3.48K1.22M446.47K0001.48M8.47M9.53M8.58M8.07M4.96M8.48M2.47M26.28M23.25M
Interest Expense % of Total Revenue30.61%12.72%0.23%0.08%9.63%1.00%4.59%-9.43%1.00%9.55%4.20%0.00%0.00%0.00%1.81%5.14%4.38%3.97%3.01%1.55%2.32%0.68%7.15%5.76%

Balance Sheet

Currency: AUD2002-06-302003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets17.21M55.69M61.38M30.45M50.76M194.68M80.90M5.83M3.25M16.37M38.45M32.93M38.01M57.52M93.22M250.40M313.12M338.47M326.16M476.69M518.22M593.00M687.12M694.80M743.92M
Total Liabilities136.00K38.39M36.50M1.33M15.52M103.63M16.40M930.97K612.60K280.84K18.10M11.67M1.13M711.91K4.52M61.35M123.24M139.49M133.77M287.03M310.61M378.53M483.49M488.30M537.30M
Total Equity17.21M17.30M24.88M29.12M35.24M91.05M64.50M4.90M2.64M16.09M23.58M24.81M36.88M56.81M88.69M174.55M174.67M178.10M174.18M152.34M170.95M163.92M151.69M152.08M156.28M
Cash16.96M967.11K4.36M1.04M3.18M2.07M471.36K5.80M1.38M2.68M6.43M2.48M770.28K10.83M11.00K39.84M36.25M26.04M31.86M94.51M76.11M101.80M125.68M149.25M187.00M
Total Debt-33.89M27.06M-11.59M53.57M13.32M---7.85M3.88M63.89K63.88K-29.21M92.59M104.58M97.05M225.94M243.27M283.73M376.75M375.98M345.81M
Net Debt-16.96M32.92M22.70M-1.04M8.41M51.50M12.84M-5.80M-1.38M-2.68M1.42M1.40M-706.40K-10.77M-11.00K-10.62M56.34M78.54M65.19M131.43M167.17M181.93M251.07M226.73M158.80M

Cash Flow

Currency: AUD2003-06-302004-06-302005-06-302006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow-4.75M23.57M-1.83M-107.39M41.41M18.65M-4.42M113.38K11.37M5.64M846.08K-147.08K473.00K6.69M34.45M53.59M62.82M190.85M35.20M31.79M46.36M49.30M82.36M
Investing Cash Flow--39.53K-----2.12K--1.77M-9.35M-5.62M-6.04M-1.45M-23.58M-60.92M-66.33M-80.55M-56.73M27.45M-202.04M-36.22M-87.16M2.66M-7.24M
Financing Cash Flow17.00M5.52M1.17M2.97M52.71M-2.75M--2.96M1.73M-3.97M4.20M11.66M12.28M94.06M28.29M16.76M2.57M-54.72M-24.56M30.12M64.69M-28.39M-37.37M
Capital Expenditure039.53K00002.12K009.88M4.55M46.61K31.98M31.98M31.98M58.94M52.17M33.09M3.66M8.10M11.63M10.69M3.39M977.00K
Free Cash Flow-49.99M4.71M23.57M-1.83M-107.39M41.41M18.64M-4.42M113.38K1.48M1.08M846.08K-147.08K473.00K-25.29M-24.49M1.41M29.73M187.19M27.10M20.16M35.66M45.92M81.38M
Dividends Paid-404.34K2.38M2.76M5.02M--------01.78M3.42M4.28M5.56M14.42M24.25M24.58M16.71M14.70M13.47M
FCF to OCF-99.17%100.00%100.00%100.00%100.00%99.99%100.00%100.00%13.06%19.25%100.00%100.00%100.00%-378.26%-71.08%2.64%47.32%98.08%77.00%63.43%76.93%93.13%98.81%
Dividend Paid to FCF-8.59%10.10%-151.04%-4.68%--------0.00%-7.04%-13.96%302.97%18.70%7.70%89.47%121.90%46.85%32.01%16.55%

Earnings

Report DateFeb 26, 2016Aug 23, 2016Feb 28, 2017Aug 29, 2017Feb 27, 2018Aug 27, 2018Feb 26, 2019May 29, 2019Aug 20, 2019Nov 27, 2019Feb 26, 2020Jun 3, 2020Jul 30, 2020Dec 2, 2020Feb 25, 2021Apr 18, 2021Aug 26, 2021Dec 1, 2021Feb 24, 2022Apr 18, 2022Aug 26, 2022Oct 16, 2022Feb 27, 2023Apr 17, 2023Aug 25, 2023Oct 15, 2023Feb 22, 2024Apr 19, 2024Aug 27, 2024Oct 24, 2024Feb 25, 2025Aug 25, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.000.00-0.000.000.00-0.00-0.008.300.00-0.000.000.000.000.000.060.000.070.07
EPS Actual0.000.020.000.000.000.000.000.000.010.000.020.00-0.010.00-0.020.000.030.000.050.000.060.000.040.000.000.000.000.000.000.000.040.05
Surprise---------------------99.28%--------100.00%--41.18%-27.54%
Timing--------------------Pre-market-Pre-market-After-hours--Pre-market---After-hours

Key Statistics & Ratios

Market Cap383.89M
Enterprise Value593.04M
Trailing P/E16.36
Forward P/E12.95
Price / Sales0.95
Price / Book2.40
EPS0.11
Book Value0.733
Revenue (TTM)403.43M
Gross Profit (TTM)308.47M
EBITDA87.38M
Profit Margin6.01%
Operating Margin18.82%
Return on Equity16.13%
Return on Assets6.39%
Shares Outstanding213.27M
Shares Float183.16M
Beta0.47
Dividend Yield3.89%
Dividend Rate0.07
Payout Ratio57.47%

Dividends

20262×
0.04Aug 31, 20260.04Mar 10, 2026
20252×
0.03Sep 1, 20250.03Mar 10, 2025
20242×
0.04Sep 2, 20240.04Mar 11, 2024
20232×
0.05Sep 20, 20230.04Mar 15, 2023
20222×
0.05Sep 21, 20220.04Mar 24, 2022
20212×
0.06Sep 22, 20210.01Mar 25, 2021
20201×
0.02Sep 23, 2020
20071×
0.36May 4, 2007
20062×
0.35Oct 9, 20060.35May 4, 2006
20052×
0.35Oct 7, 20050.35Apr 11, 2005
20042×
0.35Sep 8, 20040.32Mar 25, 2004
20031×
0.14Nov 6, 2003

Stock Splits

  • Jul 5, 20211:10
  • Nov 15, 2019112:111
  • May 15, 201765:64
  • Aug 29, 201628:27
  • Dec 1, 201525:24
  • Mar 18, 201533:31
  • Dec 9, 201020:17
  • May 17, 20101332:1315
  • Mar 8, 2007112:111