COG Financial ServicesASX:COG +1.42%36 Net Margin % is 9.32% as of Dec. 2025, which is 119% above its 10-year median of 4.26. 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. Among 774 Capital Markets companies, COG Financial Services ranks worse than 50.52% on this metric.
The historical rank and industry rank for COG Financial Services's Net Margin % or its related term are showing as below:
ASX:COG'
s Net Margin % Range Over the Past 10 Years
Min: -16.32 Med: 4.26 Max: 88.59
Current: 14.16
ASX:COG's Net Margin % is ranked worse than 50.52% of 774
companies
in the Capital Markets industry
Industry Median: 14.305
vs ASX:COG: 14.16
COG Financial Services (ASX:COG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
COG Financial Services Net Margin % Related Terms
COG Financial Services Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COG Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where COG Financial Services's Net Margin % falls into.
* 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 Net Margin % of 9.32% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on COG Financial Services and its competitors. This is 119% above median its historical median of 4.26. According to the industry distribution chart, COG Financial Services ranks #391 out of 774 companies in the Capital Markets industry, placing it in the top 50.5%.
Is COG Financial Services' Net Margin % too high?
COG Financial Services' current Net Margin % of 9.32% is 119% above median its 10-year median of 4.26. The Capital Markets industry median Net Margin % is 14.31. COG Financial Services' value of 9.32% is 34.8% below this industry median. Based on the distribution chart, COG Financial Services ranks #391 out of 774 companies in the Capital Markets industry, which is below the industry midpoint. 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' Net Margin % compare to MS and GS?
According to the Capital Markets industry distribution chart, COG Financial Services ranks #391 out of 774 companies for Net Margin %. This places COG Financial Services in the lower half of its industry. The industry median Net Margin % is 14.31. COG Financial Services' value of 9.32% is 34.8% below this benchmark. While the company's 10-year median is 4.26 vs. the industry median of 14.31, COG Financial Services has consistently been below 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 Net Margin % for a Capital Markets company?
The median Net Margin % among Capital Markets companies is 14.31, based on 774 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COG Financial Services's current Net Margin % of 9.32% is 34.8% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on COG Financial Services and its competitors. For the Capital Markets industry, the median Net Margin % is 14.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COG Financial Services's current Net Margin % is 9.32%, which is 119% above median its own 10-year median of 4.26. 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 88.2% above its estimated fair value. The current Net Margin % is 9.32%, which is 119% above median its 10-year median of 4.26 and 34.8% below the Capital Markets industry median of 14.31. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For COG Financial Services (ASX:COG), the current Net Margin % is 9.32% 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$1.43 is trading 88.2% above its estimated GF Value™ of A$0.76.
GuruFocus considers COG Financial Services to be Significantly Overvalued.
Key valuation signals for ASX:COG:
Net Margin %: 9.32% (119% above median its 10-year median of 4.26)
GF Value™: A$0.76 vs. price of A$1.43 (88.2% above fair value)
Industry Position: 34.8% below the Capital Markets median (#391 of 774)
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.
36GF Score
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