COG Financial Services Limited Logo

COG Financial Services Limited

COG.AX

(2.5)
Stock Price

0,96 AUD

75.72% ROA

250.01% ROE

0.47x PER

Market Cap.

189.196.300,00 AUD

245.94% DER

8.84% Yield

77.39% NPM

COG Financial Services Limited Stock Analysis

COG Financial Services Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

COG Financial Services Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (17.66%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Dividend Growth

With a history of consistent dividend increases over the last five years, the company has proven to be a reliable choice for investors seeking steady income.

3 ROA

The stock's ROA (7.71%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.37x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

8 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (6), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

9 DER

The company has a high debt to equity ratio (142%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

COG Financial Services Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

COG Financial Services Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

COG Financial Services Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

COG Financial Services Limited Revenue
Year Revenue Growth
2002 0
2003 1.971.759 100%
2004 15.579.935 87.34%
2005 696.859.225 97.76%
2006 518.658.921 -34.36%
2007 11.844.822 -4278.78%
2008 391.259.041 96.97%
2009 4.250.436 -9105.15%
2010 -309.478 1473.42%
2011 346.859 189.22%
2012 12.742.870 97.28%
2013 10.629.365 -19.88%
2014 3.388.870 -213.66%
2015 8.800.048 61.49%
2016 16.295.000 46%
2017 81.952.000 80.12%
2018 164.949.000 50.32%
2019 217.447.000 24.14%
2020 128.579.000 -69.12%
2020 215.858.000 40.43%
2021 267.769.000 19.39%
2022 320.772.000 16.52%
2023 366.009.000 12.36%
2024 1.037.980.000 64.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

COG Financial Services Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 22.066 100%
2014 0 0%
2015 0 0%
2016 5 100%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

COG Financial Services Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 21.539 100%
2004 61.500 64.98%
2005 3.843 -1500.31%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 494.218 100%
2011 281.436 -75.61%
2012 4.841.993 94.19%
2013 5.409.297 10.49%
2014 919.904 -488.03%
2015 1.110.828 17.19%
2016 1.148.513 3.28%
2017 6.627.000 82.67%
2018 12.137.000 45.4%
2019 15.489.000 21.64%
2020 54.351.000 71.5%
2020 17.828.000 -204.86%
2021 10.903.000 -63.51%
2022 12.952.000 15.82%
2023 21.029.000 38.41%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

COG Financial Services Limited EBITDA
Year EBITDA Growth
2002 0
2003 1.029.503 100%
2004 6.266.560 83.57%
2005 8.708.689 28.04%
2006 4.792.559 -81.71%
2007 5.382.706 10.96%
2008 -31.294.883 117.2%
2009 -48.475.918 35.44%
2010 -2.234.381 -2069.55%
2011 10.401.535 121.48%
2012 15.293.228 31.99%
2013 4.990.245 -206.46%
2014 2.085.795 -139.25%
2015 7.385.058 71.76%
2016 14.468.000 48.96%
2017 12.540.000 -15.37%
2018 24.718.000 49.27%
2019 29.491.000 16.18%
2020 10.110.000 -191.7%
2020 24.164.000 58.16%
2021 48.323.000 49.99%
2022 53.253.000 9.26%
2023 62.407.000 14.67%
2024 23.324.000 -167.57%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

COG Financial Services Limited Gross Profit
Year Gross Profit Growth
2002 0
2003 1.971.759 100%
2004 12.947.960 84.77%
2005 694.479.841 98.14%
2006 516.540.484 -34.45%
2007 -400.809.552 228.87%
2008 -38.875.068 -931.02%
2009 3.469.041 1220.63%
2010 -1.656.864 309.37%
2011 -571.592 -189.87%
2012 6.253.103 109.14%
2013 6.238.117 -0.24%
2014 2.468.966 -152.66%
2015 7.689.220 67.89%
2016 15.209.000 49.44%
2017 52.340.000 70.94%
2018 89.381.000 41.44%
2019 122.636.000 27.12%
2020 128.579.000 4.62%
2020 70.706.000 -81.85%
2021 92.260.000 23.36%
2022 105.385.000 12.45%
2023 132.470.000 20.45%
2024 350.360.000 62.19%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

COG Financial Services Limited Net Profit
Year Net Profit Growth
2002 0
2003 211.233 100%
2004 2.138.508 90.12%
2005 3.187.220 32.9%
2006 3.193.068 0.18%
2007 3.446.219 7.35%
2008 -23.790.279 114.49%
2009 -59.601.460 60.08%
2010 -2.264.605 -2531.87%
2011 10.397.713 121.78%
2012 -2.378.461 537.16%
2013 -593.531 -300.73%
2014 3.654.966 116.24%
2015 7.799.415 53.14%
2016 14.208.088 45.11%
2017 -1.732.000 920.33%
2018 3.833.000 145.19%
2019 4.300.000 10.86%
2020 -10.046.000 142.8%
2020 -10.046.000 0%
2021 -26.378.000 61.92%
2022 19.685.000 234%
2023 8.055.000 -144.38%
2024 779.436.000 98.97%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

COG Financial Services Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 -2 100%
2009 -5 80%
2010 0 0%
2011 1 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 4 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

COG Financial Services Limited Free Cashflow
Year Free Cashflow Growth
2002 0
2003 0 0%
2004 4.709.470 100%
2005 23.570.343 80.02%
2006 -1.828.390 1389.13%
2007 -107.392.619 98.3%
2008 41.411.188 359.33%
2009 18.643.383 -122.12%
2010 -4.422.284 521.58%
2011 113.384 4000.27%
2012 1.484.680 92.36%
2013 1.084.993 -36.84%
2014 846.076 -28.24%
2015 -147.082 675.24%
2016 473.000 131.1%
2017 -25.294.000 101.87%
2018 -24.487.000 -3.3%
2019 1.412.000 1834.21%
2020 61.143.000 97.69%
2021 187.950.000 67.47%
2022 205.731.000 8.64%
2023 28.547.000 -620.67%
2024 18.019.000 -58.43%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

COG Financial Services Limited Operating Cashflow
Year Operating Cashflow Growth
2002 0
2003 0 0%
2004 4.748.999 100%
2005 23.570.343 79.85%
2006 -1.828.390 1389.13%
2007 -107.392.619 98.3%
2008 41.411.188 359.33%
2009 18.645.501 -122.1%
2010 -4.422.284 521.63%
2011 113.384 4000.27%
2012 11.366.082 99%
2013 5.636.140 -101.66%
2014 846.076 -566.15%
2015 -147.082 675.24%
2016 473.000 131.1%
2017 6.687.000 92.93%
2018 34.452.000 80.59%
2019 53.585.000 35.71%
2020 62.820.000 14.7%
2021 190.850.000 67.08%
2022 208.194.000 8.33%
2023 31.786.000 -554.99%
2024 21.319.000 -49.1%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

COG Financial Services Limited Capital Expenditure
Year Capital Expenditure Growth
2002 0
2003 0 0%
2004 39.529 100%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 2.118 100%
2010 0 0%
2011 0 0%
2012 9.881.402 100%
2013 4.551.147 -117.12%
2014 0 0%
2015 0 0%
2016 0 0%
2017 31.981.000 100%
2018 58.939.000 45.74%
2019 52.173.000 -12.97%
2020 1.677.000 -3011.09%
2021 2.900.000 42.17%
2022 2.463.000 -17.74%
2023 3.239.000 23.96%
2024 3.300.000 1.85%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

COG Financial Services Limited Equity
Year Equity Growth
2002 17.211.014
2003 17.297.967 0.5%
2004 24.883.639 30.48%
2005 29.120.906 14.55%
2006 35.238.370 17.36%
2007 91.049.233 61.3%
2008 64.504.966 -41.15%
2009 4.903.506 -1215.49%
2010 2.638.901 -85.82%
2011 16.086.544 83.6%
2012 20.355.921 20.97%
2013 21.263.479 4.27%
2014 36.878.352 42.34%
2015 56.811.174 35.09%
2016 88.694.000 35.95%
2017 189.043.000 53.08%
2018 189.879.000 0.44%
2019 198.974.000 4.57%
2020 192.387.000 -3.42%
2021 189.661.000 -1.44%
2022 207.615.000 8.65%
2023 214.470.000 3.2%
2024 203.633.000 -5.32%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

COG Financial Services Limited Assets
Year Assets Growth
2002 17.211.014
2003 55.690.539 69.1%
2004 61.382.350 9.27%
2005 30.447.070 -101.6%
2006 50.759.310 40.02%
2007 194.683.189 73.93%
2008 80.901.460 -140.64%
2009 5.834.476 -1286.61%
2010 3.251.500 -79.44%
2011 16.367.384 80.13%
2012 38.453.099 57.44%
2013 32.929.303 -16.77%
2014 38.010.416 13.37%
2015 57.523.087 33.92%
2016 93.218.000 38.29%
2017 250.395.000 62.77%
2018 313.120.000 20.03%
2019 338.467.000 7.49%
2020 326.159.000 -3.77%
2021 476.690.000 31.58%
2022 518.224.000 8.01%
2023 592.996.000 12.61%
2024 687.118.000 13.7%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

COG Financial Services Limited Liabilities
Year Liabilities Growth
2002 0
2003 38.392.572 100%
2004 36.498.711 -5.19%
2005 1.326.164 -2652.2%
2006 15.520.940 91.46%
2007 103.633.956 85.02%
2008 16.396.494 -532.05%
2009 930.970 -1661.23%
2010 612.599 -51.97%
2011 280.840 -118.13%
2012 18.097.178 98.45%
2013 11.665.824 -55.13%
2014 1.132.064 -930.49%
2015 711.913 -59.02%
2016 4.524.000 84.26%
2017 61.352.000 92.63%
2018 123.241.000 50.22%
2019 139.493.000 11.65%
2020 133.771.999 -4.28%
2021 287.029.000 53.39%
2022 310.609.000 7.59%
2023 378.526.000 17.94%
2024 483.485.000 21.71%

COG Financial Services Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.6
Net Income per Share
2.01
Price to Earning Ratio
0.47x
Price To Sales Ratio
0.38x
POCF Ratio
3.93
PFCF Ratio
4.65
Price to Book Ratio
1.2
EV to Sales
0.88
EV Over EBITDA
36.93
EV to Operating CashFlow
9.5
EV to FreeCashFlow
10.82
Earnings Yield
2.12
FreeCashFlow Yield
0.22
Market Cap
0,19 Bil.
Enterprise Value
0,44 Bil.
Graham Number
5.98
Graham NetNet
-0.24

Income Statement Metrics

Net Income per Share
2.01
Income Quality
3.61
ROE
2.5
Return On Assets
0.56
Return On Capital Employed
0.03
Net Income per EBT
5781175583.83
EBT Per Ebit
0
Ebit per Revenue
0.03
Effective Tax Rate
1

Margins

Sales, General, & Administrative to Revenue
0.03
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.34
Operating Profit Margin
0.03
Pretax Profit Margin
0
Net Profit Margin
0.77

Dividends

Dividend Yield
0.09
Dividend Yield %
8.84
Payout Ratio
0.04
Dividend Per Share
0.08

Operating Metrics

Operating Cashflow per Share
0.24
Free CashFlow per Share
0.21
Capex to Operating CashFlow
0.12
Capex to Revenue
0.01
Capex to Depreciation
0.32
Return on Invested Capital
0
Return on Tangible Assets
0.76
Days Sales Outstanding
218.13
Days Payables Outstanding
32.06
Days of Inventory on Hand
0
Receivables Turnover
1.67
Payables Turnover
11.38
Inventory Turnover
0
Capex per Share
0.03

Balance Sheet

Cash per Share
1,11
Book Value per Share
1,06
Tangible Book Value per Share
0.14
Shareholders Equity per Share
0.79
Interest Debt per Share
1.98
Debt to Equity
2.46
Debt to Assets
0.54
Net Debt to EBITDA
21.06
Current Ratio
0
Tangible Asset Value
0,03 Bil.
Net Current Asset Value
-0,48 Bil.
Invested Capital
-30481000
Working Capital
-0,23 Bil.
Intangibles to Total Assets
0.26
Average Receivables
0,24 Bil.
Average Payables
0,03 Bil.
Average Inventory
157500
Debt to Market Cap
1.97

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

COG Financial Services Limited Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

COG Financial Services Limited Profile

About COG Financial Services Limited

COG Financial Services Limited, together with its subsidiaries, engages in equipment financing and broking, aggregation, insurance broking, and novated leasing activities in Australia. The company operates through three segments: Finance Broking and Aggregation; Funds Management and Lending; and All Other/Intersegment. It also provides management of investment funds; provides financing arrangements to commercial customers for essential business assets; and managed IT 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 Limited was incorporated in 2002 and is based in Chatswood, Australia.

CEO
Mr. Andrew Bennett BEC, C.A.
Employee
1.000
Address
72 Archer Street
Chatswood, 2067

COG Financial Services Limited Executives & BODs

COG Financial Services Limited Executives & BODs
# Name Age
1 Mr. Andrew Bennett BEC, C.A.
Chief Executive Officer
70
2 Philip Mcleod
General Counsel
70
3 Mr. Richard Balzer B.Com., C.A., M.B.A.
Chief Financial Officer
70
4 Mr. David James Franks BEc, C.A., F Fin, J.P.
Company Secretary
70
5 Mr. Cameron Scott McCullagh B.Bus, F.C.A.
Executive Director and Head of Finance Broking & Aggregation
70
6 Mr. Mark Crain
Executive Director
70
7 Mark Dal Pozzo
Group Chief Information Officer
70

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