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Direct Finance
(TASE:DIFI)
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Rating:61Neutral
Price Target:
63,785.00
▲(1.75% Upside)
Action:Reiterated
Date:08/24/26
The score is driven primarily by improving profitability and a sharp TTM cash-flow rebound, but capped by very high balance-sheet leverage and slightly negative TTM revenue growth. Technicals are mixed (longer-term uptrend with short-term softness), while valuation is a relative positive due to a moderate P/E and high dividend yield.
Positive Factors
Improving Profitability
Strong margins and higher net income indicate improved operating performance and earnings capacity. If sustained, this profitability can support reinvestment, absorb credit losses, and strengthen the company’s ability to navigate changing financial conditions.
Negative Factors
Very High Leverage
The highly geared capital structure leaves limited room for error if funding costs rise, credit conditions weaken, or asset performance deteriorates. Heavy reliance on debt can constrain strategic flexibility and increase the sensitivity of equity returns to financing conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Strong margins and higher net income indicate improved operating performance and earnings capacity. If sustained, this profitability can support reinvestment, absorb credit losses, and strengthen the company’s ability to navigate changing financial conditions.
Read all positive factors
Direct Finance (DIFI) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪1.82B
Dividend Yield7.57%
Average Volume (3M)4.66K
Price to Earnings (P/E)8.7
Beta (1Y)0.66
Revenue Growth-1.75%
EPS Growth91.68%
CountryIL
Employees655
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)71.16
Shares Outstanding2,960,592
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
61
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.58B | 1.53B | 1.51B | 1.38B | 1.37B | 853.30M |
| Gross Profit | 942.15M | 762.29M | 688.46M | 684.76M | 725.82M | 500.27M |
| EBITDA | 559.45M | 262.84M | 279.15M | 252.92M | 425.80M | 321.15M |
| Net Income | 201.46M | 120.06M | 141.10M | 132.47M | 244.46M | 181.32M |
Balance Sheet | ||||||
| Total Assets | 11.00B | 10.37B | 8.57B | 7.83B | 6.74B | 4.26B |
| Cash, Cash Equivalents and Short-Term Investments | 84.03M | 11.44M | 13.93M | 12.58M | 10.56M | 80.20M |
| Total Debt | 8.90B | 8.39B | 6.82B | 6.24B | 5.21B | 3.04B |
| Total Liabilities | 9.50B | 8.95B | 7.19B | 6.56B | 5.56B | 3.31B |
| Stockholders Equity | 1.42B | 1.35B | 1.32B | 1.24B | 1.18B | 956.01M |
Cash Flow | ||||||
| Free Cash Flow | 367.62M | -260.64M | -622.12M | -928.26M | -1.10B | -1.53B |
| Operating Cash Flow | 392.66M | -212.43M | -576.45M | -872.07M | -1.05B | -1.51B |
| Investing Cash Flow | -1.15B | -53.18M | -46.59M | -56.30M | -62.00M | -24.91M |
| Financing Cash Flow | 825.89M | 263.12M | 624.39M | 932.25M | 1.04B | 1.61B |
Direct Finance Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₪703.11M | 8.06 | ― | ― | 20.00% | 14.06% | |
64 Neutral | ₪641.87M | 9.81 | ― | 1.80% | 21.55% | 14.68% | |
61 Neutral | ₪1.82B | 8.66 | ― | 6.62% | -1.75% | 91.68% | |
58 Neutral | ₪1.40B | 5.75 | ― | 5.85% | 33.11% | 48.58% | |
57 Neutral | ₪3.60B | 15.55 | -1.68% | 2.45% | 7.18% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:DIFI
Direct Finance
62,990.00
17,643.67
38.91%
IL:ISCD
Isracard
1,123.00
-223.00
-16.57%
IL:NAWI
Nawi
4,406.00
-998.59
-18.48%
IL:MCLL
Michlol Fin
1,251.00
-317.00
-20.22%
IL:JCFN
Jacob Finance & Investments Ltd.
2,818.00
-566.80
-16.75%
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.