Cog Financial Services Limited · ASX:COG
Cog Financial Services — Shareholder Meeting (November 2025)
9 slides from Cog Financial Services's shareholder meeting presentation, Nov 6, 2025
Slide 1: AGM
For personal use only AGM Authorised by Andrew Bennett Group Chief Executive Officer 6 N O V E M B E R 2 0 2 5
Slide 2: FY 2025 Financial Highlights
FY 2025 Financial Highlights A good year For personal use only Revenue¹ EBITDA to EPSA² shareholders² $363 .5m $3 8.4m 12 .00 cps $587 .8m +1% on pcp $4 4.8m $9 .3m +4% on pcp 79 .05 cps-4% on pcp $849 .6m $9 3.6m $7 .9m 95 .09 cps $6 $1 . $ .7m 5 .03 cps 1. Underlying revenue excludes interest inco
Slide 3: Dividends and EPSA
Dividends and EPSA Solid EPSA yield Final Dividend declared of For personal use only 3.0 cps1 Cents per share (FY24: 4.4 cps1) 13.94 12.55 12.56 Payout ratio of 12.01 12.00 50.6%2 (F24: 67.7%2) 8.30 8.40 8.40 7.22 Dividend yield of 3.8%3 5.95 5.72 6.00 4.80 4.70 4.40 6.00 3.00 Nil 1.52 Dividend yiel
Slide 4: FY 2025 Financial Highlights
FY 2025 Financial Highlights Strong growth from our Novated Continued execution of our For personal use only Leasing segment continues. acquisition strategy, where targets can be secured at the right price. Acquisitions Our primary sectors, infrastructure and since 1 July 2024 were made for construc
Slide 5: Solid Volumes
Solid Volumes Despite losing instant tax asset write-off that ended in FY 24 For personal use only (in $ millions) +8% $8.4bn 3Ys CAGR1 8,853 8,388 net assets financed 7,678 -5% vs. PCP in FY 2025 6,689 4,532 4,185 5,159 4,274 1H 2H 4,519 3,405 4,239 3,128 3,351 2,917 2,747 2,154 2,198 1,604 1,720 1
Slide 6: COG FY 2026 Two Core Profit drivers
COG FY 2026 Two Core Profit drivers For personal use only Broking & Salary Aggregation Packaging Aggregation / Novated leasing Core Broking Peer to Peer Growth in the core segments is solid Market grows at GPD plus Expect continued growth asset price inflation from organic opportunities Year to year
Slide 7: Salary Packaging – the momentum continues
Salary Packaging – the momentum continues Acquisitions Organically For personal use only COG Group’s EBITDA to shareholders1,2 Recent significant client wins3 50 18 tender wins 45 3.9 48.0 4 as panel members 5.7 40 In total providing access to over 88,000 staff 35 38.4 30 In $ millions 25 20 +25% or
Slide 8: Looking forward
Looking forward First quarter trading results in line with budget For personal use only The Group’s Novated segment COG will continue to continues to deliver outstanding results. remain active in the We expect ongoing organic growth as identification of strategic we continue to capture opportunities
Slide 9: Disclaimer
For personal use only Disclaimer COG Financial Services Limited ('COG’) has not considered the financial position or needs of the The forward-looking statements made in this Presentation relate only to events and recipient in providing this presentation ('Presentation'). Persons needing advice shoul
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