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COG Financial Services Limited (COG) investor relations material
COG Financial Services Limited AGM 2025 Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.AGM 2025 Presentation summary5 Nov, 2025
Financial performance highlights
Revenue reached $363.5 million, up 1% year-on-year, with EBITDA to shareholders at $38.4 million and EPSA at 12.00 cps, a 4% decrease from the prior year.
Net assets financed totaled $8.4 billion in FY 2025, reflecting an 8% three-year CAGR despite a 5% decline versus the previous year.
NPATA to shareholders was $24.0 million, nearly flat compared to the previous year.
Dividends and capital management
Final dividend declared at 3.0 cps, down from 4.4 cps last year, with a payout ratio of 50.6%.
Dividend yield stands at 3.8%, or 5.4% when grossed up for franking benefits.
Dividend Reinvestment Plan suspended for the final dividend to support EPSA.
Strategic initiatives and acquisitions
Divested non-core investments in Earlypay Limited and Centrepoint Alliance Limited to focus on core segments.
Acquired additional 5% equity in QPF, 100% of Community Salary Packaging, and 70% of AAA Finance and Insurance.
Continued execution of acquisition strategy, with $15.1 million spent on acquisitions since July 2024.
Detail capital allocation priorities post-DRP suspension
What synergies are expected from recent acquisitions?
Outline strategy for increased Insurance Broking focus
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Next COG Financial Services Limited earnings date
Q4 202514 Dec, 2025
Next COG Financial Services Limited earnings date
Q4 202514 Dec, 2025
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Frequently asked questions
COG Financial Services Limited is an Australian financial services company specializing in equipment finance, commercial leasing, and insurance brokerage. The company provides financing solutions for businesses, particularly in asset-intensive sectors such as agriculture, transport, and construction, allowing clients to acquire essential equipment and machinery. COG Financial Services also offers brokering and aggregation services, connecting businesses with a network of lenders to optimize financing options. The company is headquartered in Sydney, New South Wales, and its shares are listed on the ASX.
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