COG Stock Overview
COG Financial Services Limited engages in equipment finance broking and aggregation, and lending activities for business assets in Australia.
COG Financial Services Peers
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$1.65|
|52 Week High||AU$1.84|
|52 Week Low||AU$1.15|
|1 Month Change||-4.07%|
|3 Month Change||14.58%|
|1 Year Change||37.50%|
|3 Year Change||85.39%|
|5 Year Change||37.50%|
|Change since IPO||-83.66%|
Recent News & Updates
Shareholders Will Probably Not Have Any Issues With COG Financial Services Limited's (ASX:COG) CEO Compensation
Under the guidance of CEO Andrew Bennett, COG Financial Services Limited ( ASX:COG ) has performed reasonably well...
|COG||AU Capital Markets||AU Market|
Return vs Industry: COG exceeded the Australian Capital Markets industry which returned 1.9% over the past year.
Return vs Market: COG exceeded the Australian Market which returned 0.5% over the past year.
|COG Average Weekly Movement||5.0%|
|Capital Markets Industry Average Movement||5.7%|
|Market Average Movement||9.4%|
|10% most volatile stocks in AU Market||16.5%|
|10% least volatile stocks in AU Market||4.3%|
Stable Share Price: COG is less volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: COG's weekly volatility (5%) has been stable over the past year.
About the Company
COG Financial Services Limited engages in equipment finance broking and aggregation, and lending activities for business assets in Australia. It also offers IT managed services. 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 Fundamentals Summary
|COG fundamental statistics|
Is COG overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|COG income statement (TTM)|
|Cost of Revenue||AU$114.08m|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.068|
|Net Profit Margin||4.33%|
How did COG perform over the long term?See historical performance and comparison
5.8%Current Dividend Yield
How is COG Financial Services forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: COG's forecast earnings growth (22.9% per year) is above the savings rate (1.8%).
Earnings vs Market: COG's earnings (22.9% per year) are forecast to grow faster than the Australian market (6.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: COG's revenue (6.6% per year) is forecast to grow faster than the Australian market (4.8% per year).
High Growth Revenue: COG's revenue (6.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: COG's Return on Equity is forecast to be low in 3 years time (15.9%).
How has COG Financial Services performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: COG has high quality earnings.
Growing Profit Margin: COG became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: COG has become profitable over the past 5 years, growing earnings by -52.6% per year.
Accelerating Growth: COG has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: COG has become profitable in the last year, making it difficult to compare its past year earnings growth to the Capital Markets industry (44.6%).
Return on Equity
High ROE: COG's Return on Equity (11.4%) is considered low.
How is COG Financial Services's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: COG's short term assets (A$200.8M) do not cover its short term liabilities (A$230.8M).
Long Term Liabilities: COG's short term assets (A$200.8M) exceed its long term liabilities (A$53.2M).
Debt to Equity History and Analysis
Debt Level: COG's net debt to equity ratio (61.4%) is considered high.
Reducing Debt: COG's debt to equity ratio has increased from 16.1% to 116.5% over the past 5 years.
Debt Coverage: COG's debt is well covered by operating cash flow (56%).
Interest Coverage: COG's interest payments on its debt are well covered by EBIT (5.4x coverage).
What is COG Financial Services's current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: COG's dividend (5.76%) is higher than the bottom 25% of dividend payers in the Australian market (2.57%).
High Dividend: COG's dividend (5.76%) is low compared to the top 25% of dividend payers in the Australian market (6.13%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, COG has been paying a dividend for less than 10 years.
Growing Dividend: COG's dividend payments have increased, but the company has only paid a dividend for 2 years.
Earnings Payout to Shareholders
Earnings Coverage: With its high payout ratio (125.5%), COG's dividend payments are not well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its low cash payout ratio (18.9%), COG's dividend payments are well covered by cash flows.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Andrew Bennett has been Group Chief Executive Director of Consolidated Operations Group Ltd since February 2019 and served as its Executive Director since June 4, 2018. Mr. Bennett has experience in th...
CEO Compensation Analysis
Compensation vs Market: Andrew's total compensation ($USD626.08K) is about average for companies of similar size in the Australian market ($USD559.51K).
Compensation vs Earnings: Andrew's compensation has been consistent with company performance over the past year.
Experienced Management: COG's management team is considered experienced (3.3 years average tenure).
Experienced Board: COG's board of directors are considered experienced (3.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 13.3%.
COG Financial Services Limited's employee growth, exchange listings and data sources
- Name: COG Financial Services Limited
- Ticker: COG
- Exchange: ASX
- Founded: 2002
- Industry: Investment Banking and Brokerage
- Sector: Diversified Financials
- Implied Market Cap: AU$310.054m
- Shares outstanding: 187.91m
- Website: https://www.coglimited.com.au
- COG Financial Services Limited
- 72 Archer Street
- Level 1
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/16 00:00|
|End of Day Share Price||2022/05/16 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.