• Delivered strong profitable growth via Novated Leasing segment
• Acquired controlling interests in salary packaging, mortgage finance broking, and lending finance broker businesses
• Simplified operating environment with divestment of non-core investments

COG Financial Services Ltd has announced its financial results for the year ended 30 June 2025. The company delivered strong profitable growth, with revenue increasing by 1.5% to $367.7 million and net profit from continuing operations rising by 23% to $29.7 million. Net profit attributable to members increased by 46.1% to $18.8 million. During the year, COG simplified its operating environment by divesting its non-core investments in Earlypay Limited and Centrepoint Alliance Limited. The company also made several strategic acquisitions, including a 100% controlling interest in the salary packaging business Community Salary Packaging, a 100% controlling interest in the mortgage finance broking business Cap Coast Home Loans, and a 70% controlling interest in the business and consumer lending finance broker AAA Finance and Insurance (Australia) Pty Ltd.The company's Novated Leasing segment was a standout performer, with revenues increasing by 22% to $58.8 million and EBITDA growing by 26% to $16.5 million. The Finance Broking & Aggregation segment remained a core part of the business, contributing $17.6 million in EBITDA. The Asset Management & Lending segment saw a decrease in EBITDA to $7.5 million due to a diminished contribution from the TL Commercial Finance lease business, which is in run-off.The Board has declared a final dividend of 3.0 cents per share, fully franked, to be paid on 1 October 2025. Total dividends for the 2025 financial year amount to 6.0 cents per share, representing a payout ratio of 50.6% of underlying net profit after tax and amortisation (NPATA).

COG Financial Services Ltd expects to maintain its strong performance in the Novated Leasing segment, driven by continued growth in the electric vehicle market. The company also anticipates ongoing growth in its Finance Broking & Aggregation and Asset Management & Lending segments, supported by strategic acquisitions and investments in technology and human capital.

The company has a positive outlook for the year ahead, with a focus on building more broking capabilities across its core broking business, peer-to-peer broking, and salary packaging operations. COG's diverse earnings streams, strong balance sheet, and capable management team position the company well for continued growth and value creation for shareholders.