COG Financial ServicesASX:COG -1.67%36 5-Year Yield-on-Cost % is 4.42 as of Jul. 04, 2026, which is 26% below its 10-year median of 5.94. 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 362 Capital Markets companies, COG Financial Services ranks better than 66.57% on this metric.
COG Financial Services's yield on cost for the quarter that ended in Dec. 2025 was 4.42.
The historical rank and industry rank for COG Financial Services's 5-Year Yield-on-Cost % or its related term are showing as below:
ASX:COG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.5 Med: 5.94 Max: 9.89
Current: 4.42
During the past 13 years, COG Financial Services's highest Yield on Cost was 9.89. The lowest was 1.50. And the median was 5.94.
ASX:COG's 5-Year Yield-on-Cost % is ranked better than 66.57% of 362
companies
in the Capital Markets industry
Industry Median: 3
vs ASX:COG: 4.42
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
COG Financial Services 5-Year Yield-on-Cost % Related Terms
ASX:COG vs MS, GS, SCHW: 5-Year Yield-on-Cost % Comparison
For the Capital Markets subindustry, COG Financial Services's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, COG Financial Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where COG Financial Services's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
COG Financial Services (ASX:COG) has a 5-Year Yield-on-Cost % of 4.42 as of Jul. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on COG Financial Services and its competitors. This is 26% below median its historical median of 5.94. Over the past decade, COG Financial Services' 5-Year Yield-on-Cost % has ranged from 1.50 to 9.89. According to the industry distribution chart, COG Financial Services ranks #121 out of 362 companies in the Capital Markets industry, placing it in the top 33.4%.
Is COG Financial Services' 5-Year Yield-on-Cost % too high?
COG Financial Services' current 5-Year Yield-on-Cost % of 4.42 is 26% below median its 10-year median of 5.94. Over the past 10 years, this metric has ranged from a low of 1.50 to a high of 9.89. The Capital Markets industry median 5-Year Yield-on-Cost % is 3.00. COG Financial Services' value of 4.42 is 47.3% above this industry median. Based on the distribution chart, COG Financial Services ranks #121 out of 362 companies in the Capital Markets industry, which is above 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' 5-Year Yield-on-Cost % compare to MS and GS?
According to the Capital Markets industry distribution chart, COG Financial Services ranks #121 out of 362 companies for 5-Year Yield-on-Cost %. This puts COG Financial Services in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.00. COG Financial Services' value of 4.42 is 47.3% above this benchmark. Historically, COG Financial Services' own 5-Year Yield-on-Cost % has ranged from 1.50 to 9.89 over the past decade. While the company's 10-year median is 5.94 vs. the industry median of 3.00, 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 5-Year Yield-on-Cost % for a Capital Markets company?
The median 5-Year Yield-on-Cost % among Capital Markets companies is 3.00, based on 362 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. COG Financial Services's current 5-Year Yield-on-Cost % of 4.42 is 47.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on COG Financial Services and its competitors. For the Capital Markets industry, the median 5-Year Yield-on-Cost % is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. COG Financial Services's current 5-Year Yield-on-Cost % is 4.42, which is 26% below median its own 10-year median of 5.94. 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$1.47 — trading 93.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.42, which is 26% below median its 10-year median of 5.94 and 47.3% above the Capital Markets industry median of 3.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For COG Financial Services (ASX:COG), the current 5-Year Yield-on-Cost % is 4.42 as of Jul. 04, 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$1.47 is trading 93.4% above its estimated GF Value™ of A$0.76.
GuruFocus considers COG Financial Services to be Significantly Overvalued.
Key valuation signals for ASX:COG:
5-Year Yield-on-Cost %: 4.42 (26% below median its 10-year median of 5.94)
GF Value™: A$0.76 vs. price of A$1.47 (93.4% above fair value)
Industry Position: 47.3% above the Capital Markets median (#121 of 362)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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