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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/
Peer analysis
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Moneyme Ltd | 193.68m | -66.61m | 78.81m | -- | -- | 0.6307 | -- | 0.4069 | -0.0834 | -0.0834 | 0.2424 | 0.1538 | 0.128 | -- | 10.09 | -- | -4.40 | -1.67 | -4.42 | -1.68 | 88.14 | -- | -34.39 | -10.43 | -- | 1.05 | 0.9254 | -- | -2.88 | 34.26 | -393.10 | -- | 10.53 | -- |
| Harmoney Corp Ltd | 131.83m | 5.52m | 80.12m | 79.00 | 14.29 | 2.32 | 11.21 | 0.6078 | 0.0539 | 0.0539 | 1.29 | 0.3314 | 0.1586 | -- | 40.23 | 1,668,709.00 | 0.664 | -1.92 | 0.6693 | -1.93 | 55.42 | 60.95 | 4.19 | -12.77 | -- | 13.67 | 0.96 | -- | 8.36 | -- | 141.82 | -- | -- | -- |
| FSA Group Ltd | 123.09m | 10.52m | 156.31m | 95.00 | 14.43 | 1.79 | 11.22 | 1.27 | 0.0866 | 0.0866 | 1.01 | 0.6982 | 0.1332 | -- | -- | 1,295,684.00 | 1.21 | 2.13 | 1.23 | 2.19 | 52.21 | 65.01 | 9.07 | 16.52 | -- | -- | 0.8961 | 61.37 | 21.89 | 8.32 | 43.21 | -8.40 | -17.08 | 3.13 |
| Plenti Group Ltd | 284.68m | 34.35m | 175.25m | -- | 5.42 | 3.33 | 4.87 | 0.6156 | 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 | 249.60m | 10.00 | 459.23 | 1.43 | -- | 10.72 | 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 | -- |
| Solvar Ltd | 207.38m | 31.42m | 315.41m | 351.00 | 10.94 | 0.9302 | 9.23 | 1.52 | 0.1526 | 0.1526 | 1.01 | 1.80 | 0.209 | -- | 511.42 | -- | 3.17 | 4.46 | 4.80 | 5.41 | 97.04 | 97.94 | 15.15 | 19.35 | -- | 1.86 | 0.6246 | 70.43 | -3.99 | 10.83 | 84.39 | 7.20 | -17.04 | 11.84 |
| COG Financial Services Ltd | 367.73m | 18.78m | 345.33m | 2.00k | 17.35 | 2.16 | 7.26 | 0.9391 | 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 | 355.05m | 730.00 | 17.02 | 0.6599 | 8.97 | 0.5407 | 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 |
| Resimac Group Ltd | 1.07bn | 34.58m | 397.51m | 250.00 | 11.64 | 1.09 | 10.58 | 0.3703 | 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 | 952.60m | 35.00m | 539.44m | 277.00 | 15.66 | 2.42 | 11.75 | 0.5663 | 0.1268 | 0.1268 | 3.45 | 0.8202 | 0.1461 | -- | 36,638.46 | -- | 0.5427 | 0.6837 | 0.6629 | 1.68 | 11.99 | 13.12 | 3.72 | 4.73 | -- | -- | 0.962 | 81.36 | 14.95 | 8.91 | 20.79 | -1.67 | 14.28 | -1.78 |
| Latitude Group Holdings Ltd | 1.19bn | 61.30m | 935.76m | 1.01k | 15.89 | 0.7684 | 7.82 | 0.7893 | 0.0567 | 0.0545 | 1.07 | 1.17 | 0.1544 | -- | 456.00 | -- | 0.7984 | 0.3591 | 1.07 | 0.4209 | -- | -- | 5.17 | 2.75 | -- | 1.25 | 0.8405 | 218.42 | 11.26 | -3.21 | 122.29 | 2.43 | -18.54 | -- |
| Pepper Money Ltd | 1.50bn | 99.10m | 1.02bn | 1.85k | 10.67 | 1.31 | 8.64 | 0.6796 | 0.2146 | 0.2146 | 3.24 | 1.75 | 0.084 | -- | 93.04 | -- | 0.5558 | 0.576 | 0.5564 | 0.5974 | 30.32 | 36.78 | 6.62 | 10.11 | -- | 5.62 | 0.954 | 30.38 | 3.70 | 15.20 | -10.75 | 11.15 | -43.09 | -- |
| 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 Dec 2025 | 170.93k | 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% |
