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COG Financial Services Ltd
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Let's analyse COG Financial Services Ltd together

PenkeI guess you are interested in COG Financial Services Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of COG Financial Services Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of COG Financial Services Ltd (30 sec.)










What can you expect buying and holding a share of COG Financial Services Ltd? (30 sec.)

How much money do you get?

How much money do you get?
A$0.33
When do you have the money?
1 year
How often do you get paid?
70.0%

What is your share worth?

Current worth
A$1.11
Expected worth in 1 year
A$1.25
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
A$0.65
Return On Investment
48.7%

For what price can you sell your share?

Current Price per Share
A$1.34
Expected price per share
A$1.0898 - A$1.3476695340502
How sure are you?
50%

1. Valuation of COG Financial Services Ltd (5 min.)




Live pricePrice per Share (EOD)

A$1.34

Intrinsic Value Per Share

A$0.02 - A$6.78

Total Value Per Share

A$1.13 - A$7.89

2. Growth of COG Financial Services Ltd (5 min.)




Is COG Financial Services Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$137.3m$132.9m$4.3m3.2%

How much money is COG Financial Services Ltd making?

Current yearPrevious yearGrowGrow %
Making money$5.1m$12.6m-$7.4m-144.4%
Net Profit Margin2.2%6.1%--

How much money comes from the company's main activities?

3. Financial Health of COG Financial Services Ltd (5 min.)




4. Comparing to competitors in the Capital Markets industry (5 min.)




  Industry Rankings (Capital Markets)  


Richest
#180 / 370

Most Revenue
#92 / 370

Most Profit
#161 / 370

Most Efficient
#225 / 370

What can you expect buying and holding a share of COG Financial Services Ltd? (5 min.)

Welcome investor! COG Financial Services Ltd's management wants to use your money to grow the business. In return you get a share of COG Financial Services Ltd.

What can you expect buying and holding a share of COG Financial Services Ltd?

First you should know what it really means to hold a share of COG Financial Services Ltd. And how you can make/lose money.

Speculation

The Price per Share of COG Financial Services Ltd is A$1.335. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of COG Financial Services Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in COG Financial Services Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$1.11. Based on the TTM, the Book Value Change Per Share is A$0.04 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.09 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.13 per quarter.
Based on historical numbers we can estimate the returns while holding a share of COG Financial Services Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.032.0%0.032.0%0.074.9%0.00-0.2%0.010.6%
Usd Book Value Change Per Share0.021.7%0.021.7%0.064.5%0.011.0%0.064.8%
Usd Dividend Per Share0.086.1%0.086.1%0.086.0%0.053.6%0.031.9%
Usd Total Gains Per Share0.107.8%0.107.8%0.1410.5%0.064.6%0.096.7%
Usd Price Per Share0.88-0.88-1.01-0.42-0.24-
Price to Earnings Ratio33.15-33.15-15.53-10.19-5.20-
Price-to-Total Gains Ratio8.49-8.49-7.24-1.89-1.45-
Price to Book Ratio1.24-1.24-1.47-0.60-0.45-
Price-to-Total Gains Ratio8.49-8.49-7.24-1.89-1.45-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.854934
Number of shares1169
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.080.05
Usd Book Value Change Per Share0.020.01
Usd Total Gains Per Share0.100.06
Gains per Quarter (1169 shares)121.6272.31
Gains per Year (1169 shares)486.49289.24
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
138010647622663279
2761212962452126568
311413181448679189857
4152242419349052521146
51902530242011313151435
62282637290613573781724
72663743339215844412013
83043849387818105042302
93424955436420365672591
1038041061485022626302880

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%2.01.00.066.7%3.02.00.060.0%7.03.00.070.0%13.08.00.061.9%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%3.02.00.060.0%8.02.00.080.0%16.05.00.076.2%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.00.03.070.0%11.00.010.052.4%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%9.01.00.090.0%17.04.00.081.0%

Fundamentals of COG Financial Services Ltd

About COG Financial Services Ltd

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: Finance Broking and Aggregation; and Funds Management and Lending segments. 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.

Fundamental data was last updated by Penke on 2024-04-13 10:14:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is less efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just not able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just not able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of COG Financial Services Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit COG Financial Services Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare COG Financial Services Ltd to the Capital Markets industry mean.
  • A Net Profit Margin of 2.2% means that $0.02 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of COG Financial Services Ltd:

  • The MRQ is 2.2%. The company is making a profit. +1
  • The TTM is 2.2%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ2.2%TTM2.2%0.0%
TTM2.2%YOY6.1%-3.9%
TTM2.2%5Y0.0%+2.2%
5Y0.0%10Y25.9%-25.8%
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ2.2%9.8%-7.6%
TTM2.2%9.9%-7.7%
YOY6.1%14.6%-8.5%
5Y0.0%12.9%-12.9%
10Y25.9%12.1%+13.8%
1.1.2. Return on Assets

Shows how efficient COG Financial Services Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare COG Financial Services Ltd to the Capital Markets industry mean.
  • 1.4% Return on Assets means that COG Financial Services Ltd generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of COG Financial Services Ltd:

  • The MRQ is 1.4%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.4%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.4%TTM1.4%0.0%
TTM1.4%YOY3.8%-2.4%
TTM1.4%5Y-0.2%+1.5%
5Y-0.2%10Y4.1%-4.3%
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ1.4%0.5%+0.9%
TTM1.4%0.4%+1.0%
YOY3.8%0.8%+3.0%
5Y-0.2%0.5%-0.7%
10Y4.1%0.7%+3.4%
1.1.3. Return on Equity

Shows how efficient COG Financial Services Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare COG Financial Services Ltd to the Capital Markets industry mean.
  • 4.9% Return on Equity means COG Financial Services Ltd generated $0.05 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of COG Financial Services Ltd:

  • The MRQ is 4.9%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.9%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.9%TTM4.9%0.0%
TTM4.9%YOY11.5%-6.6%
TTM4.9%5Y-0.4%+5.3%
5Y-0.4%10Y4.2%-4.6%
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ4.9%1.7%+3.2%
TTM4.9%1.9%+3.0%
YOY11.5%3.1%+8.4%
5Y-0.4%2.3%-2.7%
10Y4.2%2.4%+1.8%

1.2. Operating Efficiency of COG Financial Services Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient COG Financial Services Ltd is operating .

  • Measures how much profit COG Financial Services Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare COG Financial Services Ltd to the Capital Markets industry mean.
  • An Operating Margin of 13.1% means the company generated $0.13  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of COG Financial Services Ltd:

  • The MRQ is 13.1%. The company is operating less efficient.
  • The TTM is 13.1%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ13.1%TTM13.1%0.0%
TTM13.1%YOY12.9%+0.2%
TTM13.1%5Y11.9%+1.2%
5Y11.9%10Y34.8%-22.9%
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ13.1%15.5%-2.4%
TTM13.1%11.4%+1.7%
YOY12.9%18.4%-5.5%
5Y11.9%10.0%+1.9%
10Y34.8%10.2%+24.6%
1.2.2. Operating Ratio

Measures how efficient COG Financial Services Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Capital Markets industry mean).
  • An Operation Ratio of 0.87 means that the operating costs are $0.87 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of COG Financial Services Ltd:

  • The MRQ is 0.869. The company is less efficient in keeping operating costs low.
  • The TTM is 0.869. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.869TTM0.8690.000
TTM0.869YOY0.871-0.002
TTM0.8695Y0.987-0.118
5Y0.98710Y0.956+0.031
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8691.018-0.149
TTM0.8691.001-0.132
YOY0.8710.958-0.087
5Y0.9870.932+0.055
10Y0.9560.885+0.071

1.3. Liquidity of COG Financial Services Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if COG Financial Services Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Capital Markets industry mean).
  • A Current Ratio of 0.75 means the company has $0.75 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of COG Financial Services Ltd:

  • The MRQ is 0.752. The company is just not able to pay all its short-term debts. -1
  • The TTM is 0.752. The company is just not able to pay all its short-term debts. -1
Trends
Current periodCompared to+/- 
MRQ0.752TTM0.7520.000
TTM0.752YOY0.695+0.057
TTM0.7525Y1.009-0.257
5Y1.00910Y4.211-3.201
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7521.969-1.217
TTM0.7521.745-0.993
YOY0.6951.811-1.116
5Y1.0092.088-1.079
10Y4.2112.063+2.148
1.3.2. Quick Ratio

Measures if COG Financial Services Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare COG Financial Services Ltd to the Capital Markets industry mean.
  • A Quick Ratio of 1.56 means the company can pay off $1.56 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of COG Financial Services Ltd:

  • The MRQ is 1.561. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 1.561. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ1.561TTM1.5610.000
TTM1.561YOY1.589-0.028
TTM1.5615Y1.901-0.340
5Y1.90110Y5.959-4.058
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ1.5611.596-0.035
TTM1.5611.391+0.170
YOY1.5891.324+0.265
5Y1.9011.681+0.220
10Y5.9591.596+4.363

1.4. Solvency of COG Financial Services Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of COG Financial Services Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare COG Financial Services Ltd to Capital Markets industry mean.
  • A Debt to Asset Ratio of 0.64 means that COG Financial Services Ltd assets are financed with 63.8% credit (debt) and the remaining percentage (100% - 63.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of COG Financial Services Ltd:

  • The MRQ is 0.638. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.638. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.638TTM0.6380.000
TTM0.638YOY0.599+0.039
TTM0.6385Y0.532+0.106
5Y0.53210Y0.330+0.202
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6380.621+0.017
TTM0.6380.616+0.022
YOY0.5990.609-0.010
5Y0.5320.608-0.076
10Y0.3300.611-0.281
1.4.2. Debt to Equity Ratio

Measures if COG Financial Services Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare COG Financial Services Ltd to the Capital Markets industry mean.
  • A Debt to Equity ratio of 230.9% means that company has $2.31 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of COG Financial Services Ltd:

  • The MRQ is 2.309. The company is just not able to pay all its debts with equity.
  • The TTM is 2.309. The company is just not able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ2.309TTM2.3090.000
TTM2.309YOY1.817+0.492
TTM2.3095Y1.512+0.797
5Y1.51210Y0.847+0.665
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
MRQ2.3091.558+0.751
TTM2.3091.589+0.720
YOY1.8171.580+0.237
5Y1.5121.556-0.044
10Y0.8471.741-0.894

2. Market Valuation of COG Financial Services Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings COG Financial Services Ltd generates.

  • Above 15 is considered overpriced but always compare COG Financial Services Ltd to the Capital Markets industry mean.
  • A PE ratio of 33.15 means the investor is paying $33.15 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of COG Financial Services Ltd:

  • The EOD is 32.066. Based on the earnings, the company is overpriced. -1
  • The MRQ is 33.147. Based on the earnings, the company is overpriced. -1
  • The TTM is 33.147. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD32.066MRQ33.147-1.081
MRQ33.147TTM33.1470.000
TTM33.147YOY15.529+17.617
TTM33.1475Y10.185+22.961
5Y10.18510Y5.199+4.987
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
EOD32.0667.365+24.701
MRQ33.1477.181+25.966
TTM33.1476.690+26.457
YOY15.5299.157+6.372
5Y10.18510.759-0.574
10Y5.19911.403-6.204
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of COG Financial Services Ltd:

  • The EOD is 12.811. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 13.243. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 13.243. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD12.811MRQ13.243-0.432
MRQ13.243TTM13.2430.000
TTM13.243YOY11.278+1.965
TTM13.2435Y4.936+8.307
5Y4.93610Y-2.442+7.378
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
EOD12.8110.580+12.231
MRQ13.2430.678+12.565
TTM13.2430.142+13.101
YOY11.2780.355+10.923
5Y4.936-0.128+5.064
10Y-2.442-0.063-2.379
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of COG Financial Services Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Capital Markets industry mean).
  • A PB ratio of 1.24 means the investor is paying $1.24 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of COG Financial Services Ltd:

  • The EOD is 1.204. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.245. Based on the equity, the company is underpriced. +1
  • The TTM is 1.245. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.204MRQ1.245-0.041
MRQ1.245TTM1.2450.000
TTM1.245YOY1.472-0.227
TTM1.2455Y0.601+0.644
5Y0.60110Y0.448+0.153
Compared to industry (Capital Markets)
PeriodCompanyIndustry (mean)+/- 
EOD1.2041.024+0.180
MRQ1.2450.954+0.291
TTM1.2450.953+0.292
YOY1.4721.226+0.246
5Y0.6011.277-0.676
10Y0.4481.431-0.983
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of COG Financial Services Ltd.

4. Summary

4.1. Key Performance Indicators

The key performance indicators of COG Financial Services Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.0350.0350%0.093-62%0.021+68%0.100-65%
Book Value Per Share--1.1091.1090%1.073+3%1.037+7%0.809+37%
Current Ratio--0.7520.7520%0.695+8%1.009-25%4.211-82%
Debt To Asset Ratio--0.6380.6380%0.599+6%0.532+20%0.330+93%
Debt To Equity Ratio--2.3092.3090%1.817+27%1.512+53%0.847+173%
Dividend Per Share--0.1270.1270%0.125+1%0.076+68%0.040+214%
Eps--0.0420.0420%0.102-59%-0.005+111%0.012+245%
Free Cash Flow Per Share--0.1040.1040%0.140-26%0.217-52%0.086+22%
Free Cash Flow To Equity Per Share--0.2600.2600%0.013+1877%0.187+39%0.154+69%
Gross Profit Margin---15.485-15.4850%-5.563-64%-1.359-91%-0.180-99%
Intrinsic Value_10Y_max--6.782--------
Intrinsic Value_10Y_min--0.020--------
Intrinsic Value_1Y_max--0.464--------
Intrinsic Value_1Y_min--0.065--------
Intrinsic Value_3Y_max--1.559--------
Intrinsic Value_3Y_min--0.142--------
Intrinsic Value_5Y_max--2.852--------
Intrinsic Value_5Y_min--0.160--------
Market Cap258289135.680-3%266995511.040266995511.0400%305690512.640-13%125642670.195+113%73946148.058+261%
Net Profit Margin--0.0220.0220%0.061-64%0.000+4928%0.259-91%
Operating Margin--0.1310.1310%0.129+2%0.119+10%0.348-62%
Operating Ratio--0.8690.8690%0.8710%0.987-12%0.956-9%
Pb Ratio1.204-3%1.2451.2450%1.472-15%0.601+107%0.448+178%
Pe Ratio32.066-3%33.14733.1470%15.529+113%10.185+225%5.199+538%
Price Per Share1.335-3%1.3801.3800%1.580-13%0.649+113%0.382+261%
Price To Free Cash Flow Ratio12.811-3%13.24313.2430%11.278+17%4.936+168%-2.442+118%
Price To Total Gains Ratio8.217-3%8.4948.4940%7.243+17%1.893+349%1.452+485%
Quick Ratio--1.5611.5610%1.589-2%1.901-18%5.959-74%
Return On Assets--0.0140.0140%0.038-64%-0.002+114%0.041-67%
Return On Equity--0.0490.0490%0.115-57%-0.004+108%0.042+16%
Total Gains Per Share--0.1620.1620%0.218-26%0.097+68%0.140+16%
Usd Book Value--137346588.000137346588.0000%132956646.000+3%128477944.688+7%100216937.775+37%
Usd Book Value Change Per Share--0.0230.0230%0.059-62%0.013+68%0.064-65%
Usd Book Value Per Share--0.7100.7100%0.687+3%0.664+7%0.518+37%
Usd Dividend Per Share--0.0810.0810%0.080+1%0.048+68%0.026+214%
Usd Eps--0.0270.0270%0.065-59%-0.003+111%0.008+245%
Usd Free Cash Flow--12911104.40012911104.4000%17357401.600-26%26931381.600-52%10594568.702+22%
Usd Free Cash Flow Per Share--0.0670.0670%0.090-26%0.139-52%0.055+22%
Usd Free Cash Flow To Equity Per Share--0.1660.1660%0.008+1877%0.119+39%0.099+69%
Usd Market Cap165408362.489-3%170983925.270170983925.2700%195764204.295-13%80461565.993+113%47355113.216+261%
Usd Price Per Share0.855-3%0.8840.8840%1.012-13%0.416+113%0.245+261%
Usd Profit--5158422.0005158422.0000%12606274.000-59%-25103.680+100%2166311.115+138%
Usd Revenue--234392163.600234392163.6000%205422388.800+14%166928841.360+40%94990483.650+147%
Usd Total Gains Per Share--0.1040.1040%0.140-26%0.062+68%0.090+16%
 EOD+4 -4MRQTTM+0 -0YOY+14 -225Y+24 -1210Y+22 -14

4.2. Fundamental Score

Let's check the fundamental score of COG Financial Services Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1532.066
Price to Book Ratio (EOD)Between0-11.204
Net Profit Margin (MRQ)Greater than00.022
Operating Margin (MRQ)Greater than00.131
Quick Ratio (MRQ)Greater than11.561
Current Ratio (MRQ)Greater than10.752
Debt to Asset Ratio (MRQ)Less than10.638
Debt to Equity Ratio (MRQ)Less than12.309
Return on Equity (MRQ)Greater than0.150.049
Return on Assets (MRQ)Greater than0.050.014
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of COG Financial Services Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5036.254
Ma 20Greater thanMa 501.400
Ma 50Greater thanMa 1001.413
Ma 100Greater thanMa 2001.409
OpenGreater thanClose1.360
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-06-302020-06-302021-06-302022-06-302023-06-30
Net Tangible Assets  18,97113,51432,4852,12634,611-11,81622,795-42,965-20,170



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets592,996
Total Liabilities378,526
Total Stockholder Equity163,916
 As reported
Total Liabilities 378,526
Total Stockholder Equity+ 163,916
Total Assets = 592,996

Assets

Total Assets592,996
Total Current Assets205,418
Long-term Assets212,772
Total Current Assets
Cash And Cash Equivalents 101,796
Short-term Investments 77,761
Net Receivables 246,601
Inventory 530
Other Current Assets -348,927
Total Current Assets  (as reported)205,418
Total Current Assets  (calculated)77,761
+/- 127,657
Long-term Assets
Property Plant Equipment 14,564
Goodwill 132,875
Long Term Investments 258,397
Intangible Assets 184,086
Long-term Assets Other 13,741
Long-term Assets  (as reported)212,772
Long-term Assets  (calculated)603,663
+/- 390,891

Liabilities & Shareholders' Equity

Total Current Liabilities273,011
Long-term Liabilities73,564
Total Stockholder Equity163,916
Total Current Liabilities
Short-term Debt 205,837
Short Long Term Debt 205,837
Accounts payable 11,436
Other Current Liabilities 34,714
Total Current Liabilities  (as reported)273,011
Total Current Liabilities  (calculated)457,824
+/- 184,813
Long-term Liabilities
Long term Debt Total 77,888
Long-term Liabilities  (as reported)73,564
Long-term Liabilities  (calculated)77,888
+/- 4,324
Total Stockholder Equity
Common Stock279,470
Retained Earnings -117,793
Accumulated Other Comprehensive Income 2,239
Total Stockholder Equity (as reported)163,916
Total Stockholder Equity (calculated)163,916
+/-0
Other
Capital Stock279,470
Cash And Equivalents101,796
Cash and Short Term Investments 101,796
Common Stock Shares Outstanding 189,206
Current Deferred Revenue21,024
Liabilities and Stockholders Equity 592,996
Net Debt 181,929
Net Invested Capital 447,641
Net Tangible Assets -20,170
Net Working Capital -67,593
Property Plant and Equipment Gross 19,605
Short Long Term Debt Total 283,725



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-30
> Total Assets 
17,211
55,691
61,382
30,447
50,759
194,683
80,901
5,834
3,252
16,367
38,453
32,929
38,010
57,523
93,217
239,515
286,217
338,467
326,159
476,690
518,224
592,996
592,996518,224476,690326,159338,467286,217239,51593,21757,52338,01032,92938,45316,3673,2525,83480,901194,68350,75930,44761,38255,69117,211
   > Total Current Assets 
17,197
0
12,578
2,478
6,817
9,423
3,816
5,833
3,251
16,367
18,145
12,677
4,406
17,548
4,589
69,241
81,494
75,998
91,133
205,722
173,263
205,418
205,418173,263205,72291,13375,99881,49469,2414,58917,5484,40612,67718,14516,3673,2515,8333,8169,4236,8172,47812,578017,197
       Cash And Cash Equivalents 
16,960
967
4,364
2,045
3,183
2,071
471
5,799
1,376
2,676
6,428
2,476
770
10,835
11
39,837
36,246
26,037
31,858
94,514
76,107
101,796
101,79676,10794,51431,85826,03736,24639,8371110,8357702,4766,4282,6761,3765,7994712,0713,1832,0454,36496716,960
       Short-term Investments 
0
0
0
0
11,614
0
0
0
0
11,278
2,853
2,408
3,593
6,503
4,071
732
1,205
37,449
35,865
90,174
75,126
77,761
77,76175,12690,17435,86537,4491,2057324,0716,5033,5932,4082,85311,278000011,6140000
       Net Receivables 
0
2,435
7,777
110
3,469
4,987
2,555
19
258
2,375
8,420
7,609
43
210
506
16,643
20,073
12,512
113,500
220,006
244,871
246,601
246,601244,871220,006113,50012,51220,07316,643506210437,6098,4202,375258192,5554,9873,4691107,7772,4350
       Other Current Assets 
237
0
437
323
165
2,365
789
16
62
39
444
184
123
0
57
12,761
25,175
-27,502
-145,409
-314,592
-321,266
-348,927
-348,927-321,266-314,592-145,409-27,50225,17512,7615701231844443962167892,3651653234370237
   > Long-term Assets 
14
0
48,805
27,969
43,943
185,261
77,086
2
1
0
20,308
20,253
33,604
39,975
88,629
170,274
204,723
289,971
176,579
160,764
187,893
212,772
212,772187,893160,764176,579289,971204,723170,27488,62939,97533,60420,25320,30801277,086185,26143,94327,96948,805014
       Property Plant Equipment 
14
10
42
31
20
16
8
2
1
0
4,009
5,558
21
35
27
2,337
1,383
1,155
6,618
12,889
13,983
14,564
14,56413,98312,8896,6181,1551,3832,3372735215,5584,0090128162031421014
       Goodwill 
0
0
0
0
0
0
0
0
0
0
2,552
2,552
0
0
0
118,967
112,908
119,876
109,282
82,090
102,598
132,875
132,875102,59882,090109,282119,876112,908118,9670002,5522,5520000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
14
32,719
92,700
3,994
57,933
129,687
121,278
223,440
250,056
258,397
258,397250,056223,440121,278129,68757,9333,99492,70032,71914000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
7,030
3,420
579
386
221
4,717
32,499
39,253
141,698
117,728
148,151
184,086
184,086148,151117,728141,69839,25332,4994,7172213865793,4207,0300000000000
       Long-term Assets Other 
0
0
0
0
756
1,525
16
0
-1,555
-11,278
-2,853
-2,408
-3,593
367
-4,071
40,259
0
-289,971
4,171
1,334
1,835
13,741
13,7411,8351,3344,171-289,971040,259-4,071367-3,593-2,408-2,853-11,278-1,5550161,5257560000
> Total Liabilities 
136
38,393
36,499
1,326
15,521
103,634
16,396
931
613
281
18,097
11,666
1,132
712
4,524
54,207
92,103
139,493
133,772
287,029
310,609
378,526
378,526310,609287,029133,772139,49392,10354,2074,5247121,13211,66618,09728161393116,396103,63415,5211,32636,49938,393136
   > Total Current Liabilities 
0
0
36,499
1,326
15,521
100,079
16,049
931
613
281
8,395
3,449
1,126
643
4,406
38,921
26,820
47,958
80,344
233,583
249,280
273,011
273,011249,280233,58380,34447,95826,82038,9214,4066431,1263,4498,39528161393116,049100,07915,5211,32636,49900
       Short-term Debt 
0
33,889
27,060
0
11,593
53,573
13,316
0
0
11,278
4,571
886
3,593
6,503
4,071
16,611
22,771
44,566
46,899
184,968
197,504
205,837
205,837197,504184,96846,89944,56622,77116,6114,0716,5033,5938864,57111,2780013,31653,57311,593027,06033,8890
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
700
0
0
16,611
22,771
44,566
46,899
184,968
197,504
205,837
205,837197,504184,96846,89944,56622,77116,61100700000000000000
       Accounts payable 
0
4,480
9,276
419
3,251
12,397
1,275
132
405
90
374
9
344
96
82
4,509
4,049
3,392
3,356
8,924
10,864
11,436
11,43610,8648,9243,3563,3924,0494,50982963449374904051321,27512,3973,2514199,2764,4800
       Other Current Liabilities 
0
0
163
908
677
34,110
1,458
799
76
190
3,449
2,554
1,126
643
4,406
17,801
15,998
-47,958
24,157
32,891
34,574
34,714
34,71434,57432,89124,157-47,95815,99817,8014,4066431,1262,5543,449190767991,45834,11067790816300
   > Long-term Liabilities 
0
0
0
0
0
3,555
348
0
0
0
9,703
8,217
7
69
118
15,286
46,222
69,899
10,759
35,618
41,179
73,564
73,56441,17935,61810,75969,89946,22215,2861186978,2179,7030003483,55500000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,557
55,077
60,015
50,151
40,973
45,769
77,888
77,88845,76940,97350,15160,01555,07712,557000000000000000
> Total Stockholder Equity
17,211
17,298
24,884
29,121
35,238
91,049
64,505
4,904
2,639
16,087
23,581
24,811
36,878
56,811
88,693
179,638
178,908
178,100
174,183
152,339
170,946
163,916
163,916170,946152,339174,183178,100178,908179,63888,69356,81136,87824,81123,58116,0872,6394,90464,50591,04935,23829,12124,88417,29817,211
   Common Stock
17,201
17,130
24,107
27,705
33,899
92,246
89,492
89,492
89,492
92,449
92,449
94,273
98,489
110,623
128,297
216,216
215,670
220,905
241,179
247,315
275,512
279,470
279,470275,512247,315241,179220,905215,670216,216128,297110,62398,48994,27392,44992,44989,49289,49289,49292,24633,89927,70524,10717,13017,201
   Retained Earnings 
10
168
777
1,416
1,339
-1,197
-24,987
-84,588
-86,853
-76,455
-50,531
-51,125
-76,371
-76,371
-76,371
-76,371
-78,103
-81,369
-91,415
-117,793
-117,793
-117,793
-117,793-117,793-117,793-91,415-81,369-78,103-76,371-76,371-76,371-76,371-51,125-50,531-76,455-86,853-84,588-24,987-1,1971,3391,41677716810
   Capital Surplus 0000000000000000000000
   Treasury Stock0000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
586
653
695
1,206
-267
-6,325
-193,691
-169,053
-192,631
-188,609
-188,609-192,631-169,053-193,691-6,325-2671,206695653586000000000000



Balance Sheet

Currency in AUD. All numbers in thousands.




Cash Flow

Currency in AUD. All numbers in thousands.