COG Financial Services Balance Sheet Health

Financial Health criteria checks 2/6

COG Financial Services has a total shareholder equity of A$203.6M and total debt of A$368.8M, which brings its debt-to-equity ratio to 181.1%. Its total assets and total liabilities are A$687.1M and A$483.5M respectively. COG Financial Services's EBIT is A$56.5M making its interest coverage ratio 3.2. It has cash and short-term investments of A$125.7M.

Key information

181.1%

Debt to equity ratio

AU$368.78m

Debt

Interest coverage ratio	3.2x
Cash	AU$125.68m
Equity	AU$203.63m
Total liabilities	AU$483.49m
Total assets	AU$687.12m

Recent financial health updates

No updates

Recent updates

Investors Aren't Entirely Convinced By COG Financial Services Limited's (ASX:COG) Earnings

Aug 28

Upgrade: The Latest Revenue Forecasts For COG Financial Services Limited (ASX:COG)

Aug 29

We Take A Look At Why COG Financial Services Limited's (ASX:COG) CEO Compensation Is Well Earned

Nov 18

Shareholders Will Probably Not Have Any Issues With COG Financial Services Limited's (ASX:COG) CEO Compensation

Nov 22

COG Financial Services' (ASX:COG) Upcoming Dividend Will Be Larger Than Last Year's

Sep 21

COG Financial Services (ASX:COG) Is Increasing Its Dividend To AU$0.06

Sep 01

Cameron McCullagh Is The Executive Director and Head of Finance Broking & Aggregation of COG Financial Services Limited (ASX:COG) And Just Spent AU$199k On Shares

Mar 05

If You Had Bought COG Financial Services' (ASX:COG) Shares Five Years Ago You Would Be Down 14%

Feb 19

What Kind Of Shareholders Hold The Majority In COG Financial Services Limited's (ASX:COG) Shares?

Jan 14

How Many COG Financial Services Limited (ASX:COG) Shares Did Insiders Buy, In The Last Year?

Dec 10

Getting In Cheap On Consolidated Operations Group Limited (ASX:COG) Is Unlikely

Aug 26

Who Has Been Buying Consolidated Operations Group Limited (ASX:COG) Shares?

Aug 23

Consolidated Operations Group Limited's (ASX:COG) Business Is Trailing The Market But Its Shares Aren't

Jul 06

Financial Position Analysis

Short Term Liabilities: COG's short term assets (A$240.1M) do not cover its short term liabilities (A$305.3M).

Long Term Liabilities: COG's short term assets (A$240.1M) exceed its long term liabilities (A$178.1M).

Debt to Equity History and Analysis

Debt Level: COG's net debt to equity ratio (119.4%) is considered high.

Reducing Debt: COG's debt to equity ratio has increased from 27% to 181.1% over the past 5 years.

Debt Coverage: COG's debt is not well covered by operating cash flow (12.6%).

Interest Coverage: COG's interest payments on its debt are well covered by EBIT (3.2x coverage).

COG Financial Services Balance Sheet Health

Financial Health criteria checks 2/6

Key information

Recent financial health updates

Recent updates

Investor sentiment improves as stock rises 16%

Price target decreased by 8.1% to AU$1.54

COG Financial Services Limited, Annual General Meeting, Nov 29, 2024

Board Member recently bought AU$201k worth of stock

Investors Aren't Entirely Convinced By COG Financial Services Limited's (ASX:COG) Earnings

Full year 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Now 20% overvalued

Now 21% overvalued

Now 23% overvalued

Price target decreased by 7.5% to AU$1.73

Consensus EPS estimates fall by 14%, revenue upgraded

Upcoming dividend of AU$0.04 per share

Consensus revenue estimates increase by 11%

First half dividend of AU$0.04 announced

First half 2024 earnings released: EPS: AU$0.048 (vs AU$0.044 in 1H 2023)

New minor risk - Shareholder dilution

Board Member recently bought AU$378k worth of stock

Board Member recently bought AU$62k worth of stock

Investor sentiment improves as stock rises 19%

COG Financial Services Limited (ASX:COG) acquired 19.99% stake in Centrepoint Alliance Limited (ASX:CAF) from ClearView Wealth Limited (ASX:CVW) for AUD 13.05 million

Board Member recently bought AU$136k worth of stock

COG Financial Services Limited, Annual General Meeting, Nov 27, 2023

Insufficient new directors

Upcoming dividend of AU$0.047 per share at 6.0% yield

Upgrade: The Latest Revenue Forecasts For COG Financial Services Limited (ASX:COG)

Full year 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

COG Financial Services Limited Final Dividend for the Year Ended 30 June 2023, Payable on 20 October 2023

COG Financial Services Limited to Report Fiscal Year 2023 Results on Aug 25, 2023

Board Member recently bought AU$1.1m worth of stock

Price target decreased by 7.8% to AU$1.90

Upcoming dividend of AU$0.037 per share at 5.9% yield

Consensus EPS estimates fall by 19%

First half 2023 earnings released: EPS: AU$0.044 (vs AU$0.046 in 1H 2022)

We Take A Look At Why COG Financial Services Limited's (ASX:COG) CEO Compensation Is Well Earned

COG Financial Services Limited Appoints Richard Balzer as Chief Financial Officer

COG Financial Services Limited, Annual General Meeting, Nov 25, 2022

Upcoming dividend of AU$0.048 per share

COG Financial Services Limited Announces Ordinary Fully Paid Franked Dividend for the Six Months Ended June 30, 2022, Payable on October 21, 2022

Full year 2022 earnings: EPS exceeds analyst expectations

Investor sentiment improved over the past week

Investor sentiment improved over the past week

COG Financial Services Limited Declares Distribution for the Six Month Ended December 31, 2021, Payable on April 28, 2022

Upcoming dividend of AU$0.035 per share

First half 2022 earnings: Revenues and EPS in line with analyst expectations

COG Financial Services Limited Announces Ordinary Fully Paid Dividend for the Six Months Ended December 31, 2021, Payable on April 28, 2022

Shareholders Will Probably Not Have Any Issues With COG Financial Services Limited's (ASX:COG) CEO Compensation

COG Financial Services' (ASX:COG) Upcoming Dividend Will Be Larger Than Last Year's

Upcoming dividend of AU$0.06 per share

COG Financial Services (ASX:COG) Is Increasing Its Dividend To AU$0.06

Full year 2021 earnings released: AU$0.016 loss per share (vs AU$0.068 loss in FY 2020)

Board Member recently bought AU$1.7m worth of stock

Board Member recently bought AU$213k worth of stock

Cameron McCullagh Is The Executive Director and Head of Finance Broking & Aggregation of COG Financial Services Limited (ASX:COG) And Just Spent AU$199k On Shares

Board Member recently bought AU$199k worth of stock

First half 2021 earnings released: AU$0.02 loss per share (vs AU$0.002 profit in 1H 2020)

If You Had Bought COG Financial Services' (ASX:COG) Shares Five Years Ago You Would Be Down 14%

What Kind Of Shareholders Hold The Majority In COG Financial Services Limited's (ASX:COG) Shares?

How Many COG Financial Services Limited (ASX:COG) Shares Did Insiders Buy, In The Last Year?

Consolidated Operations Group Limited Announces the Appointment of Peter Rollason as A Non-Executive Director

Board Member recently bought AU$257k worth of stock

Consolidated Operations Group Limited (ASX:COG) signed term sheet to acquire an additional 43.2% stake in Westlawn Finance Limited for AUD 16.8 million.

Full year earnings released - AU$0.0068 loss per share

Getting In Cheap On Consolidated Operations Group Limited (ASX:COG) Is Unlikely

Who Has Been Buying Consolidated Operations Group Limited (ASX:COG) Shares?

Consolidated Operations Group Limited's (ASX:COG) Business Is Trailing The Market But Its Shares Aren't

Consolidated Operations Group Limited(ASX:COG) dropped from S&P/ASX All Ordinaries Index

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

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