31 December 2025 Results

• EBITDA attributable to shareholders up 14% to $22.3m
• Interim EPSA up 7% to 6.61 cps
• Interim dividend up 17% to 3.5 cps (fully franked)

COG Financial Services Ltd has reported a 14% increase in EBITDA attributable to shareholders to $22.3m for the half-year ended 31 December 2025. The company's Broking & Aggregation segment (formerly known as Finance Broking & Aggregation) and Salary Packaging segment (formerly known as Novated Leasing) both delivered strong results, with the Salary Packaging segment reporting organic growth of 22%. COG also made several strategic acquisitions during the period, including the acquisition of 100% of the novated leasing business known as EasiFleet Pty Ltd and additional equity interests in Fleet Network Pty Ltd and Access Capital Pty Ltd. The company's interim EPSA increased by 7% to 6.61 cps, and the interim dividend was increased by 17% to 3.5 cps (fully franked). COG is continuing to invest in key operational areas, particularly in IT, to build capabilities and capacity, utilizing AI. The company remains active in identifying strategic acquisitions to build on the organic trajectory of its business segments.

The Group expects ongoing organic growth in its Salary Packaging segment, assisted by current government incentives on electric vehicles.

COG will continue to remain active in the identification of strategic acquisitions (at the right price) to build on the organic trajectory of its business segments.