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COG Financial ServicesASX:COG -1.04%34 EV-to-FCF is 10.33 as of Jul. 14, 2026, which is 15% below its 10-year median of 12.16. GuruFocus rates ASX:COG with a GF Score™ of 34/100 and a GF Value™ of A$0.76 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 447 Capital Markets companies, COG Financial Services ranks worse than 51.01% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, COG Financial Services's Enterprise Value is A$552.0 Mil.
COG Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$53.4 Mil. Therefore, COG Financial Services's EV-to-FCF for today is 10.33.
The historical rank and industry rank for COG Financial Services's EV-to-FCF or its related term are showing as below:
ASX:COG'
s EV-to-FCF Range Over the Past 10 Years
Min: -698.39 Med: 12.16 Max: 191.2
Current: 10.03
During the past 13 years, the highest EV-to-FCF of COG Financial Services was 191.20. The lowest was -698.39. And the median was 12.16.
ASX:COG's EV-to-FCF is ranked worse than 51.01% of 447
companies
in the Capital Markets industry
Industry Median: 9.64
vs ASX:COG: 10.03
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
COG Financial Services's PE Ratio (TTM) for today is calculated as:
COG Financial Services's share price for today is A$1.425.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. COG Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.099.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Capital Markets subindustry, COG Financial Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COG Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where COG Financial Services's EV-to-FCF falls into.
COG Financial Services's current Enterprise Value is A$552.0 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. COG Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$53.4 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
COG Financial Services (ASX:COG) has a EV-to-FCF of 10.33 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on COG Financial Services and its competitors. This is 15% below median its historical median of 12.16. According to the industry distribution chart, COG Financial Services ranks #228 out of 447 companies in the Capital Markets industry, placing it in the top 51%.
Is COG Financial Services' EV-to-FCF too high?
COG Financial Services' current EV-to-FCF of 10.33 is 15% below median its 10-year median of 12.16. The Capital Markets industry median EV-to-FCF is 9.64. COG Financial Services' value of 10.33 is 7.2% above this industry median. Based on the distribution chart, COG Financial Services ranks #228 out of 447 companies in the Capital Markets industry, which is below the industry midpoint. Overall, COG Financial Services has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does COG Financial Services' EV-to-FCF compare to MS and GS?
According to the Capital Markets industry distribution chart, COG Financial Services ranks #228 out of 447 companies for EV-to-FCF. This places COG Financial Services in the lower half of its industry. The industry median EV-to-FCF is 9.64. COG Financial Services' value of 10.33 is 7.2% above this benchmark. While the company's 10-year median is 12.16 vs. the industry median of 9.64, COG Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Capital Markets company?
The median EV-to-FCF among Capital Markets companies is 9.64, based on 447 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COG Financial Services's current EV-to-FCF of 10.33 is 7.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on COG Financial Services and its competitors. For the Capital Markets industry, the median EV-to-FCF is 9.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COG Financial Services's current EV-to-FCF is 10.33, which is 15% below median its own 10-year median of 12.16. 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$0.76, compared to a current price of A$1.43 — trading 87.5% above its estimated fair value. The current EV-to-FCF is 10.33, which is 15% below median its 10-year median of 12.16 and 7.2% above the Capital Markets industry median of 9.64. COG Financial Services' overall GF Score™ is 34/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For COG Financial Services (ASX:COG), the current EV-to-FCF is 10.33 as of Jul. 14, 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$1.43 is trading 87.5% above its estimated GF Value™ of A$0.76.
GuruFocus considers COG Financial Services to be Significantly Overvalued.
Key valuation signals for ASX:COG:
EV-to-FCF: 10.33 (15% below median its 10-year median of 12.16)
GF Value™: A$0.76 vs. price of A$1.43 (87.5% above fair value)
Industry Position: 7.2% above the Capital Markets median (#228 of 447)
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.
34GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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