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About the company
COG Financial Services Limited is an Australia-based finance broker aggregator and equipment leasing company that serves small to medium-sized enterprises (SMEs). The Company’s segments include Finance Broking & Aggregation, Novated Leasing, Asset Management & Lending, and All Other / Intersegment activities. Finance Broking & Aggregation activities comprise business units focused on the aggregation of broker volumes to maximize profitability through scale, and finance broking focused on a range of finance products and asset types. Novated Leasing activities comprise the provision of novated leasing and salary packaging services to government and private sector customers. Asset Management & Lending activities are focused on the management of investment funds and providing financing arrangements to commercial customers for essential business assets. All Other / Intersegment activities include equity investment in the associate Earlypay Limited, and corporate office functions.
- Revenue in AUD (TTM)367.73m
- Net income in AUD18.78m
- Incorporated2002
- Employees2.00k
- LocationCOG Financial Services LtdChatswood, L 1 72 Archer StCHATSWOOD 2067AustraliaAUS
- Phone+61 29299-9690
- Fax+61 29251-7455
- Websitehttps://cogfs.com.au/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Harmoney Corp Ltd | 139.34m | 9.57m | 88.45m | 79.00 | 9.05 | 2.07 | 7.69 | 0.6348 | 0.0939 | 0.0939 | 1.36 | 0.4106 | 0.1609 | -- | 37.75 | 1,763,760.00 | 1.11 | -1.92 | 1.11 | -1.93 | 58.79 | 60.95 | 6.87 | -12.77 | -- | 16.82 | 0.9525 | -- | 8.36 | -- | 141.82 | -- | -- | -- |
| Moneyme Ltd | 225.17m | -49.67m | 89.37m | -- | -- | 0.8562 | -- | 0.3969 | -0.0618 | -0.0618 | 0.2802 | 0.1285 | 0.1312 | -- | 12.02 | -- | -2.89 | -1.67 | -2.91 | -1.68 | 87.45 | -- | -22.06 | -10.43 | -- | 0.8989 | 0.9445 | -- | -2.88 | 34.26 | -393.10 | -- | 10.53 | -- |
| FSA Group Ltd | 131.38m | 12.81m | 155.06m | 95.00 | 11.87 | 1.69 | 9.18 | 1.18 | 0.1045 | 0.1045 | 1.07 | 0.7325 | 0.1312 | -- | -- | 1,382,966.00 | 1.43 | 2.13 | 1.45 | 2.19 | 55.24 | 65.01 | 10.87 | 16.52 | -- | -- | 0.8987 | 61.37 | 21.89 | 8.32 | 43.21 | -8.40 | -17.08 | 3.13 |
| Plenti Group Ltd | 284.68m | 34.35m | 168.93m | -- | 5.22 | 3.21 | 4.70 | 0.5934 | 0.1791 | 0.1791 | 1.48 | 0.2915 | 0.1076 | -- | 369.71 | -- | 1.30 | -0.3173 | 1.30 | -0.3202 | 39.20 | 40.98 | 12.07 | -3.30 | -- | 759.44 | 0.9815 | -- | 22.94 | 44.26 | 268.33 | -- | -24.70 | -- |
| CVC Ltd | 23.29m | 537.73k | 247.27m | 10.00 | 454.94 | 1.42 | -- | 10.62 | 0.0047 | 0.0047 | 0.1996 | 1.49 | 0.0675 | 2.95 | 0.5572 | -- | 0.3579 | 3.20 | 0.5064 | 4.02 | 56.61 | 45.58 | 5.31 | 20.40 | 0.5178 | -- | 0.4763 | 97.79 | 36.17 | 4.11 | 121.37 | -- | -3.26 | -- |
| COG Financial Services Ltd | 367.73m | 18.78m | 326.26m | 2.00k | 16.39 | 2.04 | 6.86 | 0.8872 | 0.094 | 0.094 | 1.84 | 0.7535 | 0.5327 | 1,896.49 | 15.19 | -- | 4.31 | 2.98 | 9.10 | 6.31 | 54.62 | 45.00 | 8.08 | 4.92 | 0.9114 | 2.60 | 0.6455 | 217.87 | 1.49 | 10.97 | 46.10 | -- | -28.03 | 31.60 |
| Humm Group Ltd | 656.60m | 20.80m | 350.05m | 730.00 | 16.78 | 0.6506 | 8.84 | 0.5331 | 0.0417 | 0.0417 | 1.31 | 1.08 | 0.1236 | -- | -- | -- | 0.4931 | -0.2827 | 0.4983 | -0.287 | 50.99 | 60.59 | 3.99 | -2.26 | -- | -- | 0.8976 | -- | 7.64 | 7.03 | 1,700.00 | 12.12 | -7.64 | -11.74 |
| Solvar Ltd | 197.03m | 32.39m | 352.24m | 351.00 | 11.42 | 1.03 | 10.01 | 1.79 | 0.1633 | 0.1633 | 0.9906 | 1.81 | 0.2002 | -- | -- | -- | 3.29 | 4.46 | 3.89 | 5.41 | 97.80 | 97.94 | 16.44 | 19.35 | -- | 1.87 | 0.6384 | 70.43 | -3.99 | 10.83 | 84.39 | 7.20 | -17.04 | 11.84 |
| Resimac Group Ltd | 1.07bn | 34.58m | 460.79m | 250.00 | 13.49 | 1.26 | 12.27 | 0.4293 | 0.0864 | 0.0864 | 2.68 | 0.9229 | 0.0672 | -- | 78.92 | -- | 0.2165 | 0.4528 | 0.3133 | 0.6324 | 15.79 | 23.64 | 3.22 | 8.74 | -- | 18.63 | 0.9781 | 52.15 | 7.13 | 17.93 | -0.0174 | -9.16 | -8.80 | 18.47 |
| Australian Finance Group Ltd | 1.04bn | 42.10m | 491.89m | 277.00 | 11.92 | 2.13 | 9.18 | 0.4741 | 0.1518 | 0.1518 | 3.74 | 0.8515 | 0.143 | -- | -- | -- | 0.5803 | 0.6837 | 0.6977 | 1.68 | 11.89 | 13.12 | 4.06 | 4.73 | -- | -- | 0.9652 | 81.36 | 14.95 | 8.91 | 20.79 | -1.67 | 14.28 | -1.78 |
| Latitude Group Holdings Ltd | 1.21bn | 94.40m | 977.35m | 1.01k | 11.72 | 0.8026 | 7.56 | 0.8049 | 0.0802 | 0.0798 | 1.04 | 1.17 | 0.1516 | -- | 138.78 | -- | 1.18 | 0.4835 | 1.40 | 0.5681 | -- | -- | 7.77 | 3.62 | -- | 1.36 | 0.8448 | -- | 8.89 | 1.44 | 208.50 | 15.11 | -36.81 | -- |
| Pepper Money Ltd | 1.45bn | 104.60m | 1.08bn | 1.85k | 10.69 | 1.24 | 8.89 | 0.7421 | 0.2264 | 0.2264 | 3.14 | 1.96 | 0.0808 | -- | 74.15 | -- | 0.5832 | 0.6094 | 0.5842 | 0.6131 | 33.07 | 34.52 | 7.22 | 9.12 | -- | 6.63 | 0.9524 | 50.38 | -8.26 | 13.37 | 5.87 | 0.9462 | -13.69 | -- |
| McMillan Shakespeare Ltd | 584.06m | 100.16m | 1.12bn | 1.31k | 11.24 | 9.91 | 6.45 | 1.92 | 1.43 | 1.42 | 8.34 | 1.62 | 0.3879 | -- | 13.44 | 445,503.40 | 6.65 | 7.24 | 12.08 | 13.01 | -- | -- | 17.15 | 15.06 | 1.11 | 4.22 | 0.879 | 98.24 | 8.15 | 2.67 | 6.37 | 137.45 | 5.57 | 34.20 |
Data as of Mar 02 2026. Currency figures normalised to COG Financial Services Ltd's reporting currency: Australian Dollar AUD
29.36%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Thorney Investment Group Australia Pty Ltd.as of 17 Oct 2025 | 20.33m | 9.60% |
| MAM Pty Ltd.as of 23 Jan 2026 | 17.18m | 8.11% |
| 1851 Capital Pty Ltd.as of 15 Aug 2025 | 10.53m | 4.97% |
| NAOS Asset Management Ltd.as of 24 Nov 2025 | 9.75m | 4.60% |
| Wilson Asset Management (International) Pty Ltd.as of 30 Jun 2025 | 4.19m | 1.98% |
| DFA Australia Ltd.as of 31 Jan 2026 | 170.80k | 0.08% |
| Dimensional Fund Advisors LPas of 30 Nov 2025 | 25.99k | 0.01% |
| Dimensional Fund Advisors Ltd.as of 30 Nov 2025 | 19.90k | 0.01% |
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Data from 30 Jun 2025 - 05 Feb 2026Source: FactSet Research Systems Inc.
