COG Financial Services Limited (ASX:COG): What Changed Across Salary Packaging and Broking?

Aditi Sarkar

02 November 2026 11:35 PM AEDT

COG Financial Services Limited (ASX:COG): What Changed Across Salary Packaging and Broking?

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Key Highlights

COG Financial Services Limited (ASX:COG) shares closed at AUD 1.77 on 2 November 2026, up 0.57% for the day. The article examines earnings, Business operations and balance-sheet developments.
Underlying FY26 Revenue reached AUD 399.8 million, an increase of 9% year on year.
Salary Packaging EBITDA attributable to shareholders reached AUD 31.0 million, compared with AUD 16.5 million in the adjusted prior period.

COG Financial Services Limited (ASX:COG) operates in salary packaging, equipment finance broking and lending services. Its shares closed at AUD 1.77 on 2 November 2026, rising 0.57% from the previous close. Recent financial disclosures describe the scale of its operations, changes in Earnings and developments across its business. The figures below refer to the reporting periods identified in the company documents rather than to results generated by the share-price movement.

Financial Results and Earnings Composition

Underlying FY26 revenue reached AUD 399.8 million, an increase of 9% year on year. This adds another detail to the period’s financial results.

Underlying EBITDA attributable to shareholders rose 28% to AUD 51.5 million. This provides a separate comparison for COG Financial Services Limited (ASX:COG).

Salary Packaging EBITDA attributable to shareholders reached AUD 31.0 million, compared with AUD 16.5 million in the adjusted prior period. This reflects a measure for the stated reporting period.

Operating Activity and Business Segments

Broking and Aggregation EBITDA attributable to shareholders was AUD 24.5 million, unchanged year on year. This adds another detail to the period’s financial results.

Salary Packaging Lease settlements increased 66% and segment revenue increased 51%. This provides a separate comparison for COG Financial Services Limited (ASX:COG).

Salary packaging customers reached 68,510, representing 31% annual growth. This reflects a measure for the stated reporting period.

Portfolio, Capital and Financial Measures

Novated lease customers increased 98% year on year. This adds another detail to the period’s financial results.

Net Assets financed by Salary Packaging reached approximately AUD 0.5 billion, up 62%. This provides a separate comparison for COG Financial Services Limited (ASX:COG).

Broking and Aggregation net assets financed reached AUD 8.5 billion, up 5%. This reflects a measure for the stated reporting period.

Business Priorities and Reported Developments

Lending segment EBITDA attributable to shareholders was AUD 1.2 million, compared with AUD 1.9 million. This adds another detail to the period’s financial results.

Adjusted Earnings Per Share were 15.63 cents, 27% above the comparable period. This provides a separate comparison for COG Financial Services Limited (ASX:COG).

The fully franked final Dividend was 3.5 cents per share versus three cents previously. This reflects a measure for the stated reporting period.

Key Insights

COG Financial Services Limited (ASX:COG) reported a combination of financial results and operational measures covering earnings, activity, portfolio composition and business priorities. The figures above identify the reporting periods and relevant comparisons. The 2 November 2026 share closing price provides separate market context, without establishing any direct relationship between the reported developments and the daily share-price movement.

Additional Operational Context

COG Financial Services Limited (ASX:COG) discloses several measures that are calculated on different bases, including statutory, underlying or management-defined measures where indicated. These figures should retain their original labels when compared with earlier reporting periods. Information about business activity, earnings and market prices has been kept separate so that financial performance is not confused with changes in the Listed security price.

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