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Direct Finance
(TASE:DIFI)
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Rating:61Neutral
Price Target:
73,344.00
▲(16.99% 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
Improving net income alongside strong gross and net margins indicates better earnings power in the latest period. If maintained, this profitability can strengthen internal funding capacity, support resilience, and provide a durable base for future capital allocation.
Negative Factors
Very High Leverage
The highly geared capital structure leaves less room for operating or credit-market setbacks. If funding costs rise or credit conditions weaken, substantial debt relative to equity could pressure flexibility, increase financing strain, and constrain investment or distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Improving net income alongside strong gross and net margins indicates better earnings power in the latest period. If maintained, this profitability can strengthen internal funding capacity, support resilience, and provide a durable base for future capital allocation.
Read all positive factors
Direct Finance (DIFI) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪2.08B
Dividend Yield6.84%
Average Volume (3M)4.27K
Price to Earnings (P/E)9.8
Beta (1Y)0.71
Revenue Growth-1.75%
EPS Growth91.68%
CountryIL
Employees655
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)71.16
Shares Outstanding2,986,888
10 Day Avg. Volume3,707
30 Day Avg. Volume4,270
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 Technical Analysis
Positive
62690.00
Price Trends
61212.44
Positive
58709.60
Positive
55148.39
Positive
Market Momentum
2552.23
Negative
64.87
Neutral
87.02
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:DIFI, the sentiment is Positive. The current price of 62690 is below the 20-day moving average (MA) of 64627.48, above the 50-day MA of 61212.44, and above the 200-day MA of 55148.39, indicating a bullish trend. The MACD of 2552.23 indicates Negative momentum. The RSI at 64.87 is Neutral, neither overbought nor oversold. The STOCH value of 87.02 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:DIFI.
Direct Finance Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₪719.33M | 8.24 | ― | 0.04% | 20.00% | 14.06% | |
64 Neutral | ₪626.14M | 9.39 | ― | 1.85% | 21.55% | 14.68% | |
61 Neutral | ₪2.08B | 9.77 | ― | 6.84% | -1.75% | 91.68% | |
58 Neutral | ₪1.53B | 6.33 | ― | 3.64% | 33.11% | 48.58% | |
57 Neutral | ₪3.77B | 16.31 | -1.68% | 4.52% | 7.18% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:DIFI
Direct Finance
69,700.00
23,633.31
51.30%
IL:ISCD
Isracard
1,148.00
-245.00
-17.59%
IL:NAWI
Nawi
4,720.00
-673.96
-12.49%
IL:MCLL
Michlol Fin
1,207.00
-85.00
-6.58%
IL:JCFN
Jacob Finance & Investments Ltd.
2,857.00
-560.40
-16.40%
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.