Appendix 4D & Half Year Financial Report

• Revenue from continuing operations up 8.6% to $198.5 million
• Net profit after tax attributable to members up 16.7% to $9.9 million
• Interim dividend of 3.5 cents per share, fully franked

COG Financial Services Limited and its controlled entities have reported their financial results for the half year ended 31 December 2025. Revenue from continuing operations increased by 8.6% to $198.5 million, driven by growth across the company's Broking & Aggregation, Salary Packaging, and Lending segments. Net profit after tax attributable to members increased by 16.7% to $9.9 million. The company's Broking & Aggregation segment reported a 3% increase in revenue to $139.1 million, while the Salary Packaging segment delivered a 41% increase in revenue to $39.7 million. The Lending segment also saw a 2% increase in revenue to $20.0 million. The company's underlying EBITDA, before non-controlling interests, increased by 8% to $31.7 million. The board has declared an interim dividend of 3.5 cents per share, fully franked, to be paid on 15 April 2026. The company continues to focus on growth through both organic and acquisitive means, with the recent acquisitions of AAA Finance and Easifleet contributing to the strong financial performance.

The company has not provided any high-importance, price-sensitive forward-looking financial guidance in the announcement.

The company has not provided any specific forward-looking outlook in the announcement, but has highlighted its focus on growth through both organic and acquisitive means.