COG Financial Services (ASX:COG) LT-Debt-to-Total-Asset: 0.22 (As of Dec. 2025)

What is COG Financial Services LT-Debt-to-Total-Asset?

COG Financial Services ASX:COG -2.15% 36 LT-Debt-to-Total-Asset is 0.22 as of Dec. 2025. GuruFocus rates ASX:COG with a GF Score™ of 36/100 and a GF Value™ of A$0.76 (Significantly Overvalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. COG Financial Services's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.22.

COG Financial Services's long-term debt to total assets ratio declined from Dec. 2024 (0.23) to Dec. 2025 (0.22). It may suggest that COG Financial Services is progressively becoming less dependent on debt to grow their business.

COG Financial Services (ASX:COG) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

COG Financial Services LT-Debt-to-Total-Asset Related Terms

COG Financial Services LT-Debt-to-Total-Asset Historical Data

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The historical data trend for COG Financial Services's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

COG Financial Services Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

LT-Debt-to-Total-Asset

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0.09

0.13

0.36

0.20

COG Financial Services Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.11	0.36	0.23	0.20	0.22

36GF Score

COG Financial Services Ltd ASX:COG

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COG Financial Services LT-Debt-to-Total-Asset Calculation

COG Financial Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	141.878	/	694.801
	=	0.20

COG Financial Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	162.623	/	737.999
	=	0.22

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.22 mean?

COG Financial Services (ASX:COG) has a LT-Debt-to-Total-Asset of 0.22 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on COG Financial Services and its competitors.

Is COG Financial Services' LT-Debt-to-Total-Asset too high?

COG Financial Services' current LT-Debt-to-Total-Asset is 0.22. Overall, COG Financial Services has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does COG Financial Services' LT-Debt-to-Total-Asset compare to MS and GS?

COG Financial Services' LT-Debt-to-Total-Asset of 0.22 can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Capital Markets company?

A good LT-Debt-to-Total-Asset depends on the Capital Markets industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on COG Financial Services and its competitors. COG Financial Services's current LT-Debt-to-Total-Asset is 0.22. 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$1.37 — trading 79.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.22. COG Financial Services' overall GF Score™ is 36/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For COG Financial Services (ASX:COG), the current LT-Debt-to-Total-Asset is 0.22 as of Dec. 2025. 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$1.37 is trading 79.6% above its estimated GF Value™ of A$0.76. GuruFocus considers COG Financial Services to be Significantly Overvalued.

Key valuation signals for ASX:COG:

LT-Debt-to-Total-Asset: 0.22
GF Value™: A$0.76 vs. price of A$1.37 (79.6% above fair value)
GF Score™: 36/100 with 4 warning signs

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 Business Description

Industry Financial Services Capital Markets

Comparable Companies ASX:PPS ASX:BFG ASX:OFX ASX:AEG ASX:AFA ASX:ABE MS GS SCHW HOOD ASX:MQG SHSE:600030 BSP:BPAC3 SZSE:300059 IBKR SHSE:601211 CRCL TSE:8604 SHSE:601066 SHSE:601688

Address 72 Archer Street, Level 1, Chatswood, Sydney, NSW, AUS, 2067

Website https://www.cogfs.com.au

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.

36GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.37

Price

A$0.76

GF Value

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