1. Israel Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
DIRECT FINANCE OF DIRECT GROUP (2006)LTD

DIRECT FINANCE OF DIRECT GROUP (2006)LTD

TTASE:DIFI
61,080.00
ILA
+90.00
(+0.15%)
7,610.95EPS
8.48P/E
178.69BMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
191.96
227.45
270.07
213.77
335.42
466.75
466.24
511.7
518.8
605.21
Basic EPS, GAAP
25.94
33.21
51.69
31.75
71.27
83.43
44.8
47.72
40.6
71.17
Free Cash Flow per Basic Share
-16.44
-125.87
-139.2
-138.95
-602.34
-374.41
-313.92
-210.39
-88.15
7.18
Dividend per Share
4.66
- -
4.46
5.14
28.11
45.61
28.76
21.42
30.56
36.78
Book Value per Share
- -
156.51
200.81
268.82
350.04
399.8
418.32
446.97
457.98
480.1
Tangible Book Value per Share
- -
138.09
178.29
248.44
331.07
369.28
381.63
407.59
416.04
438.01
Basic Weighted Avg Shares
2
2
2
2
3
3
3
3
3
3
Sales/Revenue/Turnover
412
488
606
478
853
1,368
1,379
1,513
1,534
1,713
Operating Margin (%)
22.54
22.33
29.8
22.36
34.06
28.46
15.3
15.49
13.81
20.42
Depreciation Expense
14
17
27
29
31
36
42
45
51
53
Net Income, GAAP
56
71
116
71
181
244
132
141
120
201
Effective Tax Rate (%)
40.18
34.63
35.77
35.15
37.61
37.18
37.12
36.52
38.11
37.84
Profit Margin (%)
13.51
14.6
19.14
14.85
21.25
17.88
9.61
9.33
7.83
11.76
Working Capital
- -
363
691
1,208
1,038
495
868
494
470
896
LT Debt
- -
520
737
1,266
2,084
2,906
4,215
4,416
4,972
5,180
Total Equity
- -
376
482
679
956
1,182
1,269
1,377
1,421
1,499
Return on Invested Capital (%)
- -
- -
5.4
2.4
4.87
4.71
1.91
1.89
1.46
2.26
Return on Capital (%)
- -
- -
5.4
2.4
4.88
4.71
1.9
1.7
1.21
1.89
Return on Common Equity (%)
- -
- -
27.03
12.22
22.18
22.87
10.95
11.03
8.97
14.69

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
3,415
3,275
3,722
LT Borrowings
4,929
5,027
5,120
LT Finance Leases
43
62
60
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
1,640
1,607
1,787

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
4,331
4,477
5,081
Cash, Cash Equivalents & STI
11
50
84
Accounts Receivable, Net
153
110
136
Inventories
- -
- -
- -
Total Current Liabilities
3,861
3,707
4,185
Payables & Accruals
- -
- -
- -
ST Debt
3,415
3,275
3,722
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
16.7%
3.18%
Free Cash Flow
- -
51.75%
-58.1%
Net Income, GAAP
- -
27.25%
-14.91%
Sales/Revenue/Turnover
- -
30.18%
1.39%
Total Cash Common Dividend
- -
118.02%
42.65%

Quarterly Revenue

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
353
399
424
337
1,513
2025
299
396
489
338
1,534
2026
386
500
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15.42
9.15
12.71
10.23
47.72
2025
6.57
5.93
22.55
8.24
40.6
2026
16.26
25.12
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
8.84
4.55
8.57
21.42
2025
- -
13.68
4.2
14.26
30.56
2026
- -
18.53
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Eran Ben Zion Wolf
Full Time Employees
655
Sector
Finance
Industry
Finance/Rental/Leasing
Address
35 Efal Street Petach Tikva HM Israel 4951132
IPO Date
Aug 24, 2020
Website
5555.co.il
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Business
Direct Finance of Direct Group (2006) Ltd (TASE: DIFI.TA) operates as a financial services provider in Israel, offering consumer lending and financing solutions. The company provides personal loans, credit cards, vehicle financing, mortgage services, and insurance products through its online platform and branches. Established in 2006 and headquartered in Petah Tikva, Israel, it primarily serves individual consumers and small businesses across the country. Its core offerings include unsecured personal loans with flexible repayment terms; branded credit cards such as 5555 Cash Card for everyday purchases and cash advances; auto loans and leasing for new and used vehicles; home equity loans and refinancing options; and ancillary services like payment processing and debt consolidation. Direct Finance targets middle-income households seeking quick-access financing, operating exclusively within Israel's domestic market with a network of physical locations and digital channels via https://www.5555.co.il. In recent developments, the company expanded its digital lending platform in 2024 to incorporate AI-driven credit assessments for faster approvals. It formed a strategic partnership with a leading Israeli bank in early 2025 to co-develop embedded finance solutions for e-commerce merchants. Additionally, Direct Finance completed a funding round in late 2024, raising capital for regional branch expansions and new product launches including green energy financing loans.