COG Financial Services Limited
COG Financial Services Limited Fundamental Analysis
COG Financial Services Limited (COG.AX) shows weak financial fundamentals with a PE ratio of 15.71, profit margin of 6.45%, and ROE of 13.31%. The company generates $0.3B in annual revenue with weak year-over-year growth of 1.49%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 24.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze COG.AX's fundamental strength across five key dimensions:
Efficiency Score
WeakCOG.AX struggles to generate sufficient returns from assets.
Valuation Score
ModerateCOG.AX shows balanced valuation metrics.
Growth Score
ModerateCOG.AX shows steady but slowing expansion.
Financial Health Score
WeakCOG.AX carries high financial risk with limited liquidity.
Profitability Score
WeakCOG.AX struggles to sustain strong margins.
Key Financial Metrics
Is COG.AX Expensive or Cheap?
P/E Ratio
COG.AX trades at 15.71 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, COG.AX's PEG of 2.84 indicates potential overvaluation.
Price to Book
The market values COG Financial Services Limited at 2.09 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.51 times EBITDA. This is generally considered low.
How Well Does COG.AX Make Money?
Net Profit Margin
For every $100 in sales, COG Financial Services Limited keeps $6.45 as profit after all expenses.
Operating Margin
Core operations generate 21.36 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.31 in profit for every $100 of shareholder equity.
ROA
COG Financial Services Limited generates $2.74 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
COG Financial Services Limited produces operating cash flow of $58.60M, showing steady but balanced cash generation.
Free Cash Flow
COG Financial Services Limited generates strong free cash flow of $57.41M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.27 in free cash annually.
FCF Yield
COG.AX converts 17.10% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
15.71
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.84
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.09
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.04
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.56
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.93
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.16
vs 25 benchmark
How COG.AX Stacks Against Its Sector Peers
| Metric | COG.AX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 15.71 | 18.94 | Better (Cheaper) |
| ROE | 13.31% | 846.00% | Weak |
| Net Margin | 6.45% | 4054.00% | Weak |
| Debt/Equity | 2.56 | 0.89 | Weak (High Leverage) |
| Current Ratio | 0.93 | 660.05 | Weak Liquidity |
| ROA | 2.74% | -24865.00% (disorted) | Weak |
COG.AX outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews COG Financial Services Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
25.44%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
237.62%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-42.21%
Industry Style: Value, Dividend, Cyclical
Declining