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STOCK COMPARISON

Direct Finance TA vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Direct Finance TA (DIFI) and Visa Inc. Class A (V) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Direct Finance TA as the less overvalued of the two: Direct Finance TA trades at ILS 669 versus a fair value of ILS 527 (-21%), while Visa Inc. Class A trades at $362 versus $227 (-37%).
Direct Finance TA
DIFI.TA · ILA · Financials
-21%
upside to fair value
overvalued
PriceILS 669
Fair ValueILS 527
Quality37/100
Visa Inc. Class A
V · USD · Financials
-37%
upside to fair value
overvalued
Price$362
Fair Value$227
Quality82/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Direct Finance TAVisa Inc. Class A
Valuation
13.2×P/E (TTM)30.4×
0.80×P/S (TTM)16.63×
0.43×P/B18.87× · book value is mostly goodwill
20.9×EV/EBITDA23.7×
n/aPEG1.53×
−21.2%Fair value upside−37.1%
5.3%Dividend yield0.7%
ILS 35.20Dividend per share$2.60
Profitability
n/aOperating margin67%
0.60×EBIT margin trend (5Y)0.93×
12%Return on equity60%
2%Return on assets19%
Growth
-86%Revenue growth (YoY)17%
3.9%Avg. growth/yr (3Y)10.9%
26.3%Avg. growth/yr (5Y)12.9%
+3.4%Value creation/yr+16.5%
Balance & size
271.6×Interest coverage (EBIT/interest)40.7×
3.64×Debt / equity0.52×
$588MMarket cap$715B
expensiveGrowth qualityhealthy

Direct Finance TA leads: 7 to 6 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Direct Finance TAof which business quality 31 · market factors 78 Visa Inc. Class Aof which business quality 76 · market factors 64
ProfitabilityMargins and returns on capital today
24
76
Quality GrowthAre margins and returns improving?
46
41
CashflowEarnings quality: real cash, not paper profit
0
85
Fin. StrengthBalance sheet, leverage, solvency risk
0
71
InvestmentDisciplined investing over empire-building
65
85
Low VolatilityCalm price path (market factor)
78
83
MomentumPrice trend over the last 3–12 months (market factor)
75
56
52W MomentumDistance to the 52-week high (market factor)
84
57
Net IssuanceShare count: buybacks or dilution?
89
100

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyDirect Finance TAPrice ILS 669Visa Inc. Class APrice $362
DCF Modelsn/a-34%below the price$238
Earnings-Based+15%above the priceILS 772-26%below the price$269
Dividend Discount-39%below the priceILS 409n/a
Multiples-13%close to the priceILS 584-74%below the price$94.55
Asset-Based-54%below the priceILS 307-96%below the price$15.30
Growth DCFn/a-38%below the price$224
Economic Profit-41%below the priceILS 397-47%below the price$190
Minimum-54%below the priceILS 307-96%below the price$15.30
Maximum+15%above the priceILS 772-26%below the price$269
Median-39%below the priceILS 409-43%below the price$207
Geometric mean-30%below the priceILS 468-65%below the price$126

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Direct Finance TA: 7 of 8 models see the stock below the current price.

Visa Inc. Class A: 10 of 11 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Direct Finance TA
Price ILS 669
Fair Value ILS 527
Bear ILS 365Bull ILS 659
Visa Inc. Class A
Price $362
Fair Value $227
Bear $119Bull $536

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Direct Finance TA · Financials

Quality score37 · bottom 25%
Fair value upside-21% · below median

Visa Inc. Class A · Financials

Quality score82 · Top 25%
Fair value upside-37% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Direct Finance TA as the less overvalued of the two: Direct Finance TA trades at ILS 669 versus a fair value of ILS 527 (-21%), while Visa Inc. Class A trades at $362 versus $227 (-37%).

Visa Inc. Class A has the higher quality score (82/100).

Open Direct Finance TA live analysis →
Direct Finance TA · Visa Inc. Class A

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.