DIRECT FINANCE OF DIRECT GROUP (2006)LTD (IL:DIFI)
TASE:DIFI
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Direct Finance
(TASE:DIFI)
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Rating:62Neutral
Price Target:
66,716.00
▲(21.39% Upside)
Action:Reiterated
Date:05/28/26
The score is held back primarily by elevated financial risk from high leverage and historically inconsistent cash generation, despite solid profitability trends. Offsetting this, technicals show strong bullish momentum and the stock appears reasonably valued with a solid dividend yield.
Positive Factors
Multi-year Revenue Growth
Sustained multi-year revenue growth and mid-single-digit TTM expansion indicate the company continues to grow core lending or credit-service volume. Durable top-line growth supports scale economics, better loss-absorption capacity, and longer-term revenue diversification versus one-off gains.
Negative Factors
Very High Leverage
Debt-to-equity above 6x materially reduces financial flexibility and heightens exposure to rising funding costs or market dislocations. For a credit-services firm, such leverage amplifies credit loss impacts and constrains capital allocation, increasing structural vulnerability across business cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year Revenue Growth
Sustained multi-year revenue growth and mid-single-digit TTM expansion indicate the company continues to grow core lending or credit-service volume. Durable top-line growth supports scale economics, better loss-absorption capacity, and longer-term revenue diversification versus one-off gains.
Read all positive factors
Direct Finance (DIFI) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪1.70B
Dividend Yield5.03%
Average Volume (3M)4.66K
Price to Earnings (P/E)10.6
Beta (1Y)0.69
Revenue Growth-5.73%
EPS Growth29.37%
CountryIL
Employees758
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)53.86
Shares Outstanding2,960,393
10 Day Avg. Volume7,233
30 Day Avg. Volume4,656
Financial Highlights & Ratios
PEG Ratio-2.13
Price to Book (P/B)1.09
Price to Sales (P/S)0.97
P/FCF Ratio-5.68
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Direct Finance Business Overview & Revenue Model
Company Description
Direct Finance of Direct Group (2006) Ltd is an Israeli financial services provider, offering a variety of financial solutions. Its product portfolio prominently features personal loans, including specific financing options for vehicles. Establish...
Direct Finance Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
38
Negative
Cash Flow
32
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.61B | 1.53B | 1.51B | 1.38B | 1.37B | 853.30M |
| Gross Profit | 847.93M | 762.29M | 688.46M | 684.76M | 725.82M | 500.27M |
| EBITDA | 312.50M | 262.84M | 279.15M | 252.92M | 425.80M | 321.15M |
| Net Income | 148.73M | 120.06M | 141.10M | 132.47M | 244.46M | 181.32M |
Balance Sheet | ||||||
| Total Assets | 10.36B | 10.37B | 8.57B | 7.83B | 6.74B | 4.26B |
| Cash, Cash Equivalents and Short-Term Investments | 49.95M | 11.44M | 13.93M | 12.58M | 10.56M | 80.20M |
| Total Debt | 8.36B | 8.39B | 6.82B | 6.24B | 5.21B | 3.04B |
| Total Liabilities | 8.91B | 8.95B | 7.19B | 6.56B | 5.56B | 3.31B |
| Stockholders Equity | 1.39B | 1.35B | 1.32B | 1.24B | 1.18B | 956.01M |
Cash Flow | ||||||
| Free Cash Flow | 301.22M | -260.64M | -622.12M | -928.26M | -1.10B | -1.53B |
| Operating Cash Flow | 334.60M | -212.43M | -576.45M | -872.07M | -1.05B | -1.51B |
| Investing Cash Flow | -741.19M | -53.18M | -46.59M | -56.30M | -62.00M | -24.91M |
| Financing Cash Flow | 446.82M | 263.12M | 624.39M | 932.25M | 1.04B | 1.61B |
Direct Finance Technical Analysis
Neutral
54960.00
Price Trends
57365.32
Negative
53968.52
Positive
52992.24
Positive
Market Momentum
-49.99
Positive
43.24
Neutral
17.13
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:DIFI, the sentiment is Neutral. The current price of 54960 is below the 20-day moving average (MA) of 60433.68, below the 50-day MA of 57365.32, and above the 200-day MA of 52992.24, indicating a neutral trend. The MACD of -49.99 indicates Positive momentum. The RSI at 43.24 is Neutral, neither overbought nor oversold. The STOCH value of 17.13 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:DIFI.
Direct Finance Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₪1.54B | 6.44 | ― | 6.49% | 34.45% | 44.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₪1.70B | 10.64 | ― | 5.03% | -5.73% | 29.37% | |
62 Neutral | ₪643.40M | 11.08 | ― | 1.53% | 15.12% | 1.10% | |
60 Neutral | ₪710.37M | 9.91 | ― | 5.35% | 11.65% | 21.57% | |
58 Neutral | ₪1.47B | 7.50 | ― | 4.19% | 20.21% | 21.17% | |
57 Neutral | ₪663.77M | 7.87 | ― | ― | 28.26% | 15.92% |
* Financial Sector Average
IL:DIFI
Direct Finance
57,000.00
6,003.76
11.77%
IL:NAWI
Nawi
4,678.00
-1,170.69
-20.02%
IL:PEN
Peninsula Group
314.90
25.41
8.78%
IL:MNIF
Menif
2,393.00
116.11
5.10%
IL:MCLL
Michlol Fin
1,300.00
6.00
0.46%
IL:JCFN
Jacob Finance & Investments Ltd.
2,686.00
-642.63
-19.31%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.