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During the past 12 months, COG Financial Services's average Free Cash Flow per Share Growth Rate was 71.00% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 51.40% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was -15.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of COG Financial Services was 72.40% per year. The lowest was -328.40% per year. And the median was -19.00% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
COG Financial Services 3-Year FCF Growth Rate Related Terms
ASX:COG vs MS, GS, SCHW: 3-Year FCF Growth Rate Comparison
For the Capital Markets subindustry, COG Financial Services's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
COG Financial Services 3-Year FCF Growth Rate vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COG Financial Services's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where COG Financial Services's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 51.40% mean?
COG Financial Services (ASX:COG) has a 3-Year FCF Growth Rate of 51.40% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for COG Financial Services and its competitors. According to the industry distribution chart, COG Financial Services ranks #92 out of 469 companies in the Capital Markets industry, placing it in the top 19.6%.
Is COG Financial Services' 3-Year FCF Growth Rate too high?
COG Financial Services' current 3-Year FCF Growth Rate is 51.40%. The Capital Markets industry median 3-Year FCF Growth Rate is 8.50. COG Financial Services' value of 51.40% is 504.7% above this industry median. Based on the distribution chart, COG Financial Services ranks #92 out of 469 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, COG Financial Services has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does COG Financial Services' 3-Year FCF Growth Rate compare to MS and GS?
According to the Capital Markets industry distribution chart, COG Financial Services ranks #92 out of 469 companies for 3-Year FCF Growth Rate. This places COG Financial Services in the top 20% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 8.50. COG Financial Services' value of 51.40% is 504.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Capital Markets company?
The median 3-Year FCF Growth Rate among Capital Markets companies is 8.50, based on 469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COG Financial Services's current 3-Year FCF Growth Rate of 51.40% is 504.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for COG Financial Services and its competitors. For the Capital Markets industry, the median 3-Year FCF Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COG Financial Services's current 3-Year FCF Growth Rate is 51.40%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is COG Financial Services stock overvalued right now?
Based on GuruFocus' analysis, COG Financial Services (ASX:COG) is currently considered Significantly Overvalued. The stock's GF Value™ is A$1.35, compared to a current price of A$1.81 — trading 34.1% above its estimated fair value. The current 3-Year FCF Growth Rate is 51.40% and 504.7% above the Capital Markets industry median of 8.50. COG Financial Services' overall GF Score™ is 46/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For COG Financial Services (ASX:COG), the current 3-Year FCF Growth Rate is 51.40% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is COG Financial Services (ASX:COG) Overvalued in 2026?
Based on GuruFocus' analysis, COG Financial Services stock appears to be overvalued.
The current stock price of A$1.81 is trading 34.1% above its estimated GF Value™ of A$1.35.
GuruFocus considers COG Financial Services to be Significantly Overvalued.
Key valuation signals for ASX:COG:
3-Year FCF Growth Rate: 51.40%
GF Value™: A$1.35 vs. price of A$1.81 (34.1% above fair value)
Industry Position: 504.7% above the Capital Markets median (#92 of 469)
No single metric tells the full story. See the ASX:COG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
COG Financial Services Ltd is engaged in the equipment finance sector. The investment objective of the company is to grow its earnings per share by investing in complementary entities and growing existing businesses that specialise in equipment finance broking, finance aggregation, and commercial leases for essential business assets. Its segments include Finance Broking and Aggregation, which is the key revenue driver, focused on the aggregation of broker volumes to maximize profitability through scale and finance broking focused on products finance and asset types; Novated Leasing; Asset Management and Lending activities, and others.
46GF Score
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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