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Direct Finance of Direct Group (2006)

DIFI.TA
65
Financial - Credit Services · Financial Services
Price
67830.00 ILA
+830.00 (+1.24%)
Market Cap
2.01B ILA
Exchange
Tel Aviv Stock Exchange
Winston Score
65
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Sep 14, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Strong
Growth
Good
Cash Flow
Exceptional
Stability
Weak
Valuation
Good
Dividends
Exceptional
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Share count rising — dilution

+1.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 2.6M (2021) → 2.7M (2025)

§Winston Score History

The full picture

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. Established in 2006, the firm is headquartered in Petah Tikva, Israel, and operates as a subsidiary of Direct Insurance - Financial Investments Ltd.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-7.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+291.7% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

0 ILS/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

10.6B ILS cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Direct Finance of Direct Group (2006)'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
93.0%
Premium pricing power — 93.0% gross margin
Profit after running costs
Operating Margin
74.1%
Excellent — 74.1% operating margin
Return on the money invested
ROCE
7.1%
Weak — 7.1% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+7.9%
Steady sales growth (+7.9% YoY)
Profit growth
EPS YoY
+100.8%
Earnings growing fast (+100.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash
Cash Conversion
195%
Turns 195% of profit into real cash
Spare cash per sale
FCF Margin
23.2%
Converts sales into free cash efficiently (23.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
6.22
Heavy debt load (6.22)
Covers its interest
Interest Cover
1.95x
Dangerous — barely covers interest (1.9x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit
P/E Ratio (TTM)
9.5x
Attractive valuation — P/E 9.5

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Dividend
Dividend Yield
9.59%
Healthy income — 9.59% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record
Dividend Growth
+91.7%
Dividend growing fast (91.7% YoY)

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