Direct Finance TA (DIFI) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Direct Finance TA stock ILS 444, price ILS 525, that is 15.4% below the price, quality 32 out of 100. Rating: overvalued. Calculated from audited financials with 8 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 265.38 ILS – 745.30 ILS · fair‑value band 307.72 ILS – 555.23 ILS · the 525.00 ILS price screens above the 444.18 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Direct Finance of Direct Group (2006) Ltd operates in the consumer credit sector. Its loan portfolio includes loans for the purchase of vehicles, loans backed by liens on vehicles, loans backed by residential real estate, and loans for the purchase of residential apartments.
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The company was incorporated in 2006 and is based in Petah Tikva, Israel.
Stock analysis
Direct Finance TA (DIFI) currently trades at 525.00 ILS, while our model-based Fair Value estimate is 444.18 ILS, 15% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 1,123 ILS per share, and 3 of the 8 models we run sit above the 525.00 ILS price.
Bear case: the Asset-Based group reads lowest at 276.00 ILS, and 5 of the 8 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 307.72 ILS (bear) to 555.23 ILS (bull), the price of 525.00 ILS sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 32/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Direct Finance TA reported revenue of 1.5B ILS in FY2025 versus 853M ILS in FY2021, a compound +15.8%/yr. Reported net income was 120M ILS in FY2025, compounding −9.8%/yr from FY2021.
Key figures
Market cap 1.8B ILS Small · P/E ratio 7.5 · P/S ratio 2.39 · EPS (TTM) 70.03 ILS · Dividend yield 9.1% · Net margin 26.5% · Return on equity 15.3% · Return on assets (EBIT) 4.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −15%, DIFI screens richer than that median.
Fair Value models
Bear307.72 ILSFair Value 444.18 ILSBull555.23 ILS
Price 525.00 ILS · Downside -15.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (19.12 ILS per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income362.02 ILS385.49 ILS425.22 ILS76
Gordon GGM225.19 ILS393.66 ILS528.36 ILS68
DDM Multi-Stage225.19 ILS365.37 ILS421.84 ILS67
All 8 models by family
Earnings-Based
Graham-Dodd273.35 ILS1,599 ILS2,226 ILS63
Lynch FV452.75 ILS646.78 ILS840.82 ILS61
Dividend Discount
Gordon GGM225.19 ILS393.66 ILS528.36 ILS68
DDM Multi-Stage225.19 ILS365.37 ILS421.84 ILS67
Multiples
P/E Multiple391.93 ILS522.57 ILS653.21 ILS63
P/B Multiple432.54 ILS576.73 ILS720.91 ILS55
Asset-Based
NCAV (Graham)205.97 ILS276.00 ILS411.95 ILS54
Economic Profit
Residual Income362.02 ILS385.49 ILS425.22 ILS76
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+1.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+26.3%
Start year 2020 (pandemic). Over 10 years: −3.5% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+7.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.9%
Dividend (yield on the price)9.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−1.9% vs 10.0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 14%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score32 · Bottom 25%
Fair Value upside−15.4% · Below median
Profitability
Return on equity (12 months)15.3% · Above median
Return on assets1.2% · Bottom 25%
Net margin (12 months)26.5% · Above median
Operating margin (12 months)147.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)47.0% · Top 25%
Dividend yield (12 months)9.1% · Top 25%
Balance sheet
Debt / equity3.64× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)7.5× · Cheaper than median
P/B1.34× · Pricier than median
P/S (12 months)2.39× · Cheaper than median
EV/EBITDA25.6× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)13· sector 59
FUTURE (revenue growth)100· sector 57
PAST (return on equity)61· sector 39
HEALTH (low debt)–
DIVIDEND (yield)100· sector 63
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Direct Finance TA Fair Value". https://www.fairvalue-calculator.com/stock/DIFI
Frequently asked questions
Is Direct Finance TA (DIFI) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 444.18 ILS versus a price of 525.00 ILS, about 15% lower (overvalued).
What is the fair value of DIFI?
Our model-based fair value for Direct Finance TA is 444.18 ILS (as of Nov 7, 2026), built from audited fundamentals. The current price: 525.00 ILS.
What is the quality score of DIFI?
Direct Finance TA has a Quality Score of 32/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Direct Finance TA (DIFI)?
Our model-based price target is the fair value of 444.18 ILS (as of Nov 7, 2026) from 8 valuation models. Cautious scenario 307.72 ILS, optimistic scenario 555.23 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Direct Finance TA stock forecast for 2026?
Our models put fair value at 444.18 ILS, about 15% lower versus a price of 525.00 ILS (overvalued). Cautious scenario 307.72 ILS, optimistic scenario 555.23 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Direct Finance TA (DIFI)?
Direct Finance TA reported trailing-twelve-month revenue of about 759M ILS (latest available figure, as of Nov 7, 2026).
Does Direct Finance TA pay a dividend?
Direct Finance TA currently shows a dividend yield of 9.08% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Direct Finance TA (DIFI) and when is the ex-dividend date?
Direct Finance TA pays a dividend of 47.67 ILS per share a year, a dividend yield of 9.1%. The last ex-dividend date was Aug 21, 2026. A dividend has been paid every year since at least 2020. The payout ratio is 68.1% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of Direct Finance TA (DIFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Direct Finance TA it is 444.18 ILS per share (as of Nov 7, 2026), against a price of 525.00 ILS. It is the blended result of 8 valuation models in 5 families (Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Direct Finance TA stock overvalued or undervalued in 2026?
As of Nov 7, 2026, DIFI trades above its calculated fair value: price 525.00 ILS, fair value 444.18 ILS, a gap of about −15% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of DIFI?
No. The price is what the market pays today (525.00 ILS); the fair value is what the company's own numbers justify (444.18 ILS). For Direct Finance TA the two are 80.82 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Direct Finance TA worth?
The market values Direct Finance TA at about 1.8B ILS (market capitalisation, as of Nov 7, 2026). Per share that is 525.00 ILS; our models calculate a fair value of 444.18 ILS per share.
What do the bullish and bearish scenarios say about DIFI?
Our models span a range for Direct Finance TA: cautious scenario 307.72 ILS, base 444.18 ILS, optimistic 555.23 ILS per share (as of Nov 7, 2026, price 525.00 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DIFI?
Direct Finance TA trades at a price-to-earnings ratio of 7.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 444.18 ILS is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2020 to 2025), reported earnings: 12.2. Other multiples: P/B 1.3, P/S 2.4, EV/EBITDA 25.6.
How solid is the balance sheet of Direct Finance TA (DIFI)?
Balance-sheet figures for Direct Finance TA (as of Nov 7, 2026): return on equity 15.3%, debt of 3.64 per unit of equity. They feed the Quality Score of 32/100, which measures business quality independently of the share price.
How far is DIFI from its 52-week high?
Direct Finance TA trades at 525.00 ILS, about 26% below its 52-week high of 709.70 ILS and 13% above the low of 464.96 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 444.18 ILS is for.
Which stocks are comparable to Direct Finance TA?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Direct Finance TA stock attractive at the current price?
The data as of Nov 7, 2026: price 525.00 ILS, calculated fair value 444.18 ILS (−15%), Quality Score 32/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of DIFI calculated?
We run Direct Finance TA through 8 models from 5 families: Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 444.18 ILS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Direct Finance TA itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Direct Finance TA (DIFI)?
The closing price on Nov 5, 2026 was 525.00 ILS. Our model-based fair value is 444.18 ILS, about 15% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Direct Finance TA right now?
Weak quality (32/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (307.72 ILS to 555.23 ILS) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Direct Finance TA
How large is the market capitalisation of Direct Finance TA (DIFI)?
The market capitalisation of Direct Finance TA is 1.8B ILS. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Direct Finance TA (DIFI)?
The price-to-sales ratio of Direct Finance TA is 2.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Direct Finance TA (DIFI)?
Earnings per share at Direct Finance TA are 70.03 ILS (price ÷ EPS = P/E 7.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Direct Finance TA (DIFI)?
The dividend yield of Direct Finance TA is 9.1% (payout 68.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Direct Finance TA (DIFI)?
The net margin of Direct Finance TA is 26.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Direct Finance TA (DIFI)?
The return on equity (ROE) of Direct Finance TA is 15.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Direct Finance TA (DIFI)?
On an EBIT basis the return on assets of Direct Finance TA is 4.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Direct Finance TA (DIFI)?
The operating margin of Direct Finance TA is 148% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Direct Finance TA (DIFI)?
Revenue at Direct Finance TA is growing +47.0% versus a year earlier (3y avg +3.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Direct Finance TA (DIFI)?
Earnings per share at Direct Finance TA are growing +322% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Direct Finance TA (DIFI) generate?
The free cash flow of Direct Finance TA is −261M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Direct Finance TA (DIFI) carry?
The net debt of Direct Finance TA is 8.4B ILS (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 7, 2026