COG Financial Services Limited (COG) Fair Value & Analysis
Financial Services · AU · Market cap A$319M
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price −12.5% over the past month.
Price vs Fair Value (12 months)
12‑month range A$1.19 – A$2.41 · fair‑value band A$0.7500 – A$1.25 · the A$1.40 price screens above the A$1.00 fair value. As of Jun 26, 2026.
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COG Financial Services Limited (COG) currently trades at A$1.40, while our model-based Fair Value estimate is A$1.00 — implying the stock looks roughly 28.3% overvalued today. We read business quality at 83/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).
Over the trailing twelve months, COG Financial Services Limited generated revenue of A$383M at a net margin of 5.3%. Revenue grew 8.6% year over year. It earns a return on equity of 15.4%. Net debt stands at A$227M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
COG Financial Services Limited, together with its subsidiaries, engages in equipment financing and broking, aggregation, insurance broking, and novated leasing activities for in Australia. The company operates through Finance Broking & Aggregation; Novated Leasing; and Asset Management & Lending segments. It provides management of investment funds, as well as offers financing arrangements to commercial customers for essential business assets; and salary packaging services to government and private sector customers. 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 North Sydney, Australia.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
COG Financial Services Limited reported revenue of A$368M in FY2025 versus A$268M in FY2021, a compound +8.3%/yr. Reported net income was A$18.8M in FY2025.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.