Direct Finance TA (DIFI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Direct Finance TA ILS 527, price ILS 669, upside -21.2%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range 265.38 ILA – 745.30 ILA · fair‑value band 365.24 ILA – 659.03 ILA · the 669.30 ILA price screens above the 527.22 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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. The company was incorporated in 2006 and is based in Petah Tikva, Israel.
Stock analysis
Direct Finance TA (DIFI) currently trades at 669.30 ILA, while our model-based Fair Value estimate is 527.22 ILA, implying the stock looks roughly 27.0% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 527.22 ILA per share, and 1 of the 8 models we run sit above the 669.30 ILA price.
Bear case: the Asset-Based group reads lowest at 306.53 ILA, and 7 of the 8 models stay below the price. Evidence for this calculation is medium.
Scenario range: 365.24 ILA (bear) to 659.03 ILA (bull), the price of 669.30 ILA sits above 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 40/100 (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 ILA · P/E ratio 13.4 · P/S ratio 1.05 · EPS (TTM) 50.11 ILA · Dividend yield 5.3% · Net margin 7.8% · Return on equity 11.6% · Return on assets (EBIT) 4.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −21%, DIFI screens cheaper than that median.
Fair Value models
Bear 365.24 ILAFair Value 527.22 ILABull 659.03 ILA
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (10.91 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.Evidence ⓘEvidence = 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.
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.
+3.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.9%
Dividend (yield on the price)5.3%
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.−2% vs 10%, 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 · 332 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score37 · Bottom 25%
Fair Value upside−20% · Below median
Profitability
Return on equity (TTM)12% · Above median
Return on assets2% · Below median
Net margin (TTM)20% · Below median
Growth and dividend
Revenue growth−86% · Bottom 25%
Dividend yield (TTM)5.3% · Above median
Balance sheet
Debt / equity3.64× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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 Sep 23, 2026, our model estimates a fair value of 527.22 ILA versus a price of 669.30 ILA, about −21% upside (overvalued).
What is the fair value of DIFI?
Our model-based fair value for Direct Finance TA is 527.22 ILA (as of Sep 23, 2026), built from audited fundamentals. The current price: 669.30 ILA.
What is the quality score of DIFI?
Direct Finance TA has a Quality Score of 40/100. 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 527.22 ILA (as of Sep 23, 2026) from 8 valuation models. Cautious scenario 365.24 ILA, optimistic scenario 659.03 ILA. 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 527.22 ILA, about −21% upside versus a price of 669.30 ILA (overvalued). Cautious scenario 365.24 ILA, optimistic scenario 659.03 ILA. 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 734M ILS (latest available figure, as of Sep 23, 2026).
Does Direct Finance TA pay a dividend?
Direct Finance TA currently shows a dividend yield of about 5.26% relative to its recent price (as of Sep 23, 2026).
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 527.22 ILA per share (as of Sep 23, 2026), against a price of 669.30 ILA. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Direct Finance TA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, DIFI trades above its calculated fair value: price 669.30 ILA, fair value 527.22 ILA, a gap of about −21% (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 (669.30 ILA); the fair value is what the company's own numbers justify (527.22 ILA). For Direct Finance TA the two are 142.08 ILA 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 ILA (market capitalisation, as of Sep 23, 2026). Per share that is 669.30 ILA; our models calculate a fair value of 527.22 ILA per share.
What do the bullish and bearish scenarios say about DIFI?
Our models span a range for Direct Finance TA: cautious scenario 365.24 ILA, base 527.22 ILA, optimistic 659.03 ILA per share (as of Sep 23, 2026, price 669.30 ILA). 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 13.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 527.22 ILA is built from several models across several years. Other multiples: P/B 0.4, P/S 0.8, EV/EBITDA 20.9.
How solid is the balance sheet of Direct Finance TA (DIFI)?
Balance-sheet figures for Direct Finance TA (as of Sep 23, 2026): return on equity 11.6%, debt of 3.64 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is DIFI from its 52-week high?
Direct Finance TA trades at 669.30 ILA, about 6% below its 52-week high of 709.70 ILA and 51% above the low of 443.37 ILA (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 527.22 ILA 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 Sep 23, 2026: price 669.30 ILA, calculated fair value 527.22 ILA (−21%), Quality Score 40/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 527.22 ILA, 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 14.1 % 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 Sep 23, 2026 was 669.30 ILA. Our model-based fair value is 527.22 ILA, about −21% upside (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 (40/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (365.24 ILA to 659.03 ILA) 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 ILA. 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 1.05 (P/E × margin). 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 50.11 ILA (price ÷ EPS = P/E 13.4). 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 5.3% (payout 70.2%). 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 7.8% (fiscal year 2025). 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 11.6% (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 859% (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 −86.4% 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 +149% 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 ILA (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 ILA (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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