COG Financial Services Ltd
ASX:COG
Intrinsic Value
COG Financial Services Ltd. operates as a closed-end investment fund. [ Read More ]
The intrinsic value of one
COG
stock under the Base Case scenario is
2.649
AUD.
Compared to the current market price of 1.245 AUD,
COG Financial Services Ltd
is
Undervalued by 53%.
COG could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
COG Financial Services Ltd's market capitalization is 239.5m AUD.
COG stock price is 1.245 AUD.
COG stock price (1.245 AUD) is 53% less than its Intrinsic Value (2.649 AUD).
COG stock price (1.245 AUD) is 52% less than its Relative Value (2.573 AUD). Open Relative Valuation
COG has upside potential of 42% compared to the average analyst price target.
Open Wall St Estimates
COG's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 9%.
COG's ROIC (Return on Invested Capital) has decreased in the last 3 years from 10% to 9%.
COG has positive Operating Income for the last twelve months.
COG has positive three-year average ROIC (Return on Invested Capital): 12%. The company is efficient at using invested capital to generate operating income.
COG's ROE (Return on Equity) for the past 12 months is positive and is equal to 6%.
COG's Revenue is forecast to grow at a rate of 11% per year over the next 3 years.
COG's long-term assets (557m AUD) exceed its long-term liabilties (400m AUD).
COG's Revenue has grown by an exceptional 33% over the past 12 months.
COG has positive Net Income for the last twelve months.
COG's Revenue has been growing by an exceptional 23% per year for the last 3 years.
COG's short-term liabilties (258m AUD) exceed its short-term assets (192m AUD).
COG's ROE (Return on Equity) has significantly increased in the last 3 years from -25% to 6%.
COG has a very low three-year average ROE (Return on Equity): 0%. The company is not efficient at transforming stockholders' equity into net income.
COG has positive Gross Profit for the last twelve months.
COG has negative Net Debt. This means that the company has more cash and short-term investments (129m AUD) than debt (61m AUD).
COG's D/E (Debt to Equity) is very low and is equal to 0.39.
COG has positive Free Cash Flow for the last twelve months.
COG's Altman Z-Score is very low and is equal to 0.79.
COG doesn't generate enough operating income (54m AUD) to safely cover interest payments on its debt (-9m AUD).
Valuation Backtest
COG Financial Services Ltd
Run backtest to discover the historical profit from buying and selling
COG
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
COG Financial Services Ltd
Balance Sheet Decomposition
COG Financial Services Ltd
| Current Assets | 192m |
| Cash & Short-Term Investments | 129.2m |
| Receivables | 29.4m |
| Other Current Assets | 33.4m |
| Non-Current Assets | 365.1m |
| Long-Term Investments | 143.7m |
| PP&E | 14.2m |
| Intangibles | 183.8m |
| Other Non-Current Assets | 23.4m |
| Current Liabilities | 258.3m |
| Accounts Payable | 31.6m |
| Other Current Liabilities | 226.7m |
| Non-Current Liabilities | 141.6m |
| Long-Term Debt | 61m |
| Other Non-Current Liabilities | 80.5m |
Earnings Waterfall
COG Financial Services Ltd
|
Revenue
|
441.2m
AUD
|
|
Cost of Revenue
|
-272.2m
AUD
|
|
Gross Profit
|
169m
AUD
|
|
Operating Expenses
|
-115.3m
AUD
|
|
Operating Income
|
53.7m
AUD
|
|
Other Expenses
|
-44.8m
AUD
|
|
Net Income
|
8.9m
AUD
|
Free Cash Flow Analysis
COG Financial Services Ltd
COG Profitability Score
Profitability Due Diligence
COG Financial Services Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
Score
COG Financial Services Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
COG Solvency Score
Solvency Due Diligence
COG Financial Services Ltd's solvency score is 38/100. The higher the solvency score, the more solvent the company is.
Score
COG Financial Services Ltd's solvency score is 38/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
COG Price Targets Summary
COG Financial Services Ltd
According to Wall Street analysts, the average 1-year price target for
COG
is 1.765 AUD
with a low forecast of 1.717 AUD and a high forecast of 1.848 AUD.
Shareholder Return
COG Price
COG Financial Services Ltd
| Average Annual Return | 23.25% |
| Standard Deviation of Annual Returns | 55.29% |
| Max Drawdown | -70% |
| Market Capitalization | 239.5m AUD |
| Shares Outstanding | 191 323 529 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
COG Financial Services Ltd
Country
Industry
Market Cap
Dividend Yield
Description
COG Financial Services Ltd. operates as a closed-end investment fund. The company is headquartered in Chatswood, New South Wales. The company went IPO on 2003-01-28. The Company’s two business divisions includes Finance Broker & Aggregation and Lending. The firm operates through its subsidiaries, including Consolidated Finance Group, Platform Finance, Westlawn, GPF Finance Group, Centrepoint Finance and Linx Australia Group. Consolidated Finance Group is a commercial asset finance broker. Platform Finance is asset finance services partners, which provides brokers to build their asset finance business over the long-term. Westlawn is a Northern New South Wales based finance company, which provides competitive finance and insurance solutions to its customers. GPF Finance Group is a national brokerage firm, which provides equipment finance solutions to Australian businesses. Centrepoint Finance is a small and medium-sized enterprises finance broker.
Contact
IPO
Employees
Officers
The intrinsic value of one
COG
stock under the Base Case scenario is
2.649
AUD.
Compared to the current market price of 1.245 AUD,
COG Financial Services Ltd
is
Undervalued by 53%.
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