DIFI Stock Overview
Direct Finance of Direct Group (2006) Ltd provides finance products in Israel.
Direct Finance of Direct Group (2006) Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₪751.20|
|52 Week High||₪928.50|
|52 Week Low||₪635.50|
|1 Month Change||1.51%|
|3 Month Change||0.48%|
|1 Year Change||12.12%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||21.95%|
Recent News & Updates
Should You Be Adding Direct Finance of Direct Group (2006) (TLV:DIFI) To Your Watchlist Today?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
|DIFI||IL Consumer Finance||IL Market|
Return vs Industry: DIFI exceeded the IL Consumer Finance industry which returned -3.3% over the past year.
Return vs Market: DIFI exceeded the IL Market which returned 7.1% over the past year.
|DIFI Average Weekly Movement||3.5%|
|Consumer Finance Industry Average Movement||4.4%|
|Market Average Movement||5.6%|
|10% most volatile stocks in IL Market||8.8%|
|10% least volatile stocks in IL Market||3.7%|
Stable Share Price: DIFI is less volatile than 75% of IL stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: DIFI's weekly volatility (4%) has been stable over the past year.
About the Company
Direct Finance of Direct Group (2006) Ltd provides finance products in Israel. It provides personal loans, including car loans. The company was incorporated in 2006 and is based in Petah Tikva, Israel.
Direct Finance of Direct Group (2006) Fundamentals Summary
|DIFI fundamental statistics|
Is DIFI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|DIFI income statement (TTM)|
|Cost of Revenue||₪115.96m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||70.51|
|Net Profit Margin||37.83%|
How did DIFI perform over the long term?See historical performance and comparison
4.5%Current Dividend Yield
Is DIFI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for DIFI?
Other financial metrics that can be useful for relative valuation.
|What is DIFI's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does DIFI's PE Ratio compare to its peers?
|DIFI PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: DIFI is good value based on its Price-To-Earnings Ratio (10.7x) compared to the peer average (166.6x).
Price to Earnings Ratio vs Industry
How does DIFI's PE Ratio compare vs other companies in the Consumer Finance Industry?
Price-To-Earnings vs Industry: DIFI is good value based on its Price-To-Earnings Ratio (10.7x) compared to the Asian Consumer Finance industry average (13.7x)
Price to Earnings Ratio vs Fair Ratio
What is DIFI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||10.7x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate DIFI's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of DIFI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: DIFI (₪751.2) is trading above our estimate of fair value (₪686.11)
Significantly Below Fair Value: DIFI is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate DIFI's PEG Ratio to determine if it is good value.
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How is Direct Finance of Direct Group (2006) forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Direct Finance of Direct Group (2006) has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Take a look at our analysis of DIFI’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
How has Direct Finance of Direct Group (2006) performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: DIFI has a high level of non-cash earnings.
Growing Profit Margin: DIFI's current net profit margins (37.8%) are lower than last year (53%).
Past Earnings Growth Analysis
Earnings Trend: DIFI's earnings have grown significantly by 30.8% per year over the past 5 years.
Accelerating Growth: DIFI's earnings growth over the past year (44%) exceeds its 5-year average (30.8% per year).
Earnings vs Industry: DIFI earnings growth over the past year (44%) exceeded the Consumer Finance industry 21.9%.
Return on Equity
High ROE: DIFI's Return on Equity (19%) is considered low.
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How is Direct Finance of Direct Group (2006)'s financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: DIFI's short term assets (₪4.6B) exceed its short term liabilities (₪1.4B).
Long Term Liabilities: DIFI's short term assets (₪4.6B) exceed its long term liabilities (₪2.3B).
Debt to Equity History and Analysis
Debt Level: DIFI's net debt to equity ratio (306.3%) is considered high.
Reducing Debt: Insufficient data to determine if DIFI's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: DIFI's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if DIFI's interest payments on its debt are well covered by EBIT.
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What is Direct Finance of Direct Group (2006) current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: DIFI's dividend (4.51%) is higher than the bottom 25% of dividend payers in the IL market (2.06%).
High Dividend: DIFI's dividend (4.51%) is low compared to the top 25% of dividend payers in the IL market (6.24%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether DIFI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if DIFI's dividend payments are increasing as they only just started paying a dividend.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (31.3%), DIFI's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: DIFI is paying a dividend but the company has no free cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Mr. Eran Wolf serves as Chief Executive Officer of Direct Finance of Direct Group (2006) Ltd. Mr. Wolf serves as Chief Executive Officer of Direct Finance at Zur Shamir Holdings Ltd. and Direct Insurance -...
CEO Compensation Analysis
Compensation vs Market: Eran's total compensation ($USD2.16M) is above average for companies of similar size in the IL market ($USD899.48K).
Compensation vs Earnings: Eran's compensation has increased by more than 20% in the past year.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 17%.
Direct Finance of Direct Group (2006) Ltd's employee growth, exchange listings and data sources
- Name: Direct Finance of Direct Group (2006) Ltd
- Ticker: DIFI
- Exchange: TASE
- Founded: 2006
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: ₪2.221b
- Shares outstanding: 2.96m
- Website: https://www.5555.co.il
Number of Employees
- Direct Finance of Direct Group (2006) Ltd
- 35 Efal Street
- Petah Tikva
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.