DIRECT FINANCE OF DIRECT GROUP (2006) LTD

Income Statement Direct Finance of Direct Group (2006) Ltd

Stocks

DIFI

IL0011681868

Consumer Lending

Market Closed - TEL AVIV STOCK EXCHANGE 10:24:13 2026-09-24 EDT			5-day change	1st Jan Change
64,930.00 ^ILa	-2.99%		-3.28%	+17.08%

08-13	Direct Finance of Direct Group Ltd Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI
05-20	Direct Finance of Direct Group Ltd Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

6da586089cae610fc62d0.VIxliYZ1jYp_EmZ-Y6uPicsZj35BjCjkqvi8zI18i8A.LN8czuQdur4aaF9NFcW8xuYq2EkS-m6r4YrLpPko4o5k01TKsR7p8gxGBQ

Published financial data: DIRECT FINANCE OF DIRECT GROUP (2006) LTD

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021 (ILS)	2022 (ILS)	2023 (ILS)	2024 (ILS)	2025 (ILS)
Interest and Dividend Income, Total	523M	1.18B	1.25B	1.39B	-
Interest Expense, Total	97.88M	234M	336M	435M	455M
Net Interest Income	425M	947M	912M	952M	-455M
Other Revenues, Total	84.4M	164M	92.5M	107M	1.51B
Revenues Before Provison For Loan Losses	510M	1.11B	1B	1.06B	1.05B
Provision For Loan Losses	53.9M	111M	243M	224M	260M
Total Revenues	456M	1B	762M	835M	794M
Cost of Services Provided, Total	411M	634M	588M	619M	607M
Other Operating Expenses	-246M	-22.05M	-37.27M	-18.33M	-24.8M
Total Operating Expenses	165M	611M	551M	600M	582M
Operating Income	291M	389M	211M	234M	212M
Other Non Operating Income (Expenses)	-20K	-	93K	187K	-103K
EBT, Excl. Unusual Items	291M	389M	211M	235M	212M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	291M	389M	211M	235M	212M
Income Tax Expense	109M	145M	78.34M	85.65M	80.7M
Earnings From Continuing Operations	181M	244M	133M	149M	131M
Net Income to Company	181M	244M	133M	149M	131M
Minority Interest	-	-	-251K	-7.8M	-11.01M
Net Income - (IS)	181M	244M	132M	141M	120M
Net Income to Common Incl Extra Items	181M	244M	132M	141M	120M
Net Income to Common Excl. Extra Items	181M	244M	132M	141M	120M
Per Share Items
Net EPS - Basic	71.27	83.43	44.8	47.72	40.6
Basic EPS - Continuing Operations	71.27	83.43	44.8	47.72	40.6
Basic Weighted Average Shares Outstanding	2.54M	2.93M	2.96M	2.96M	2.96M
Net EPS - Diluted	69	82.79	44.8	47.72	40.43
Diluted EPS - Continuing Operations	69	82.79	44.8	47.72	40.43
Diluted Weighted Average Shares Outstanding	2.63M	2.95M	2.96M	2.96M	2.97M
Normalized Basic EPS	71.4	83.01	44.53	46.94	41.04
Normalized Diluted EPS	69.12	82.36	44.53	46.94	40.86
Dividend Per Share	33.91	41.34	21.63	29.33	28.41
Payout Ratio	39.45	54.66	64.2	44.9	75.27
Supplemental Items
Effective Tax Rate - (Ratio)	37.61	37.18	37.12	36.52	38.11
Total Current Taxes	111M	150M	107M	86.42M	72.92M
Total Deferred Taxes	-849K	-5.44M	-29.3M	-1.73M	7.45M
Normalized Net Income	182M	243M	132M	139M	121M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	8.91M	17.05M	5.08M	6.98M	3.1M
Total Stock-Based Compensation	8.91M	17.05M	5.08M	6.98M	3.1M

Fiscal Period: December	2021 (ILS)	2022 (ILS)	2023 (ILS)	2024 (ILS)	2025 (ILS)
Assets
Cash And Equivalents	80.2M	8.57M	12.58M	13.92M	11.44M
Long-Term Investments - (FS Template)	9.37M	12.39M	13.33M	12.32M	15.69M
Loans and Lease Receivables - (FS Template)	3.99B	6.42B	7.46B	8.14B	9.89B
Other Receivables	66.24M	81.82M	95.56M	110M	154M
Gross Property Plant And Equipment	64.11M	140M	160M	186M	197M
Accumulated Depreciation	-49.65M	-62.23M	-76.56M	-94.17M	-115M
Net Property Plant And Equipment	14.45M	78.2M	83.28M	91.49M	81.78M
Goodwill	1.02M	24.89M	24.89M	24.89M	24.89M
Other Intangibles, Total	50.8M	65.33M	83.57M	91.56M	99.15M
Other Current Assets, Total	33.1M	44.42M	25.44M	4.17M	1.33M
Deferred Tax Assets Long-Term (Collected)	249K	3.95M	9.73M	11.85M	16.81M
Deferred Charges Long-Term	5.28M	2.27M	2.92M	8.21M	12.15M
Other Long-Term Assets, Total	9.74M	618K	23.38M	55.89M	62M
Total Assets	4.26B	6.74B	7.83B	8.57B	10.37B
Liabilities
Accounts Payable, Total	15.04M	26.66M	25.57M	21.24M	16.91M
Accrued Expenses, Total	24.68M	36.42M	45.69M	18.55M	26.48M
Short-Term Borrowings	236M	1.09B	970M	666M	1.71B
Current Portion of Long-Term Debt	712M	1.21B	1.05B	1.73B	1.7B
Current Portion of Leases	-	10.35M	9.86M	13.75M	12.64M
Long-Term Debt	2.08B	2.85B	4.16B	4.36B	4.93B
Long-Term Leases	7.81M	54.46M	53.65M	54.04M	43.31M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	205M	255M	215M	289M	395M
Deferred Tax Liability Non-Current	24.6M	23.56M	39K	430K	12.84M
Other Non Current Liabilities	252K	8.19M	29.63M	29.33M	101M
Total Liabilities	3.31B	5.56B	6.56B	7.19B	8.95B
Common Stock, Total	2.73M	2.96M	2.96M	2.96M	2.96M
Additional Paid In Capital	503M	629M	629M	632M	633M
Retained Earnings	414M	524M	574M	652M	682M
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	36.96M	25.96M	31.04M	34.96M	36.99M
Total Common Equity	956M	1.18B	1.24B	1.32B	1.35B
Minority Interest	-	-	32.15M	55.8M	66.94M
Total Equity	956M	1.18B	1.27B	1.38B	1.42B
Total Liabilities And Equity	4.26B	6.74B	7.83B	8.57B	10.37B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.73M	2.96M	2.96M	2.96M	2.96M
ECS Total Common Shares Outstanding	2.73M	2.96M	2.96M	2.96M	2.96M
Book Value / Share	350.04	399.8	418.32	446.93	457.9
Tangible Book Value	904M	1.09B	1.13B	1.21B	1.23B
Tangible Book Value Per Share	331.07	369.28	381.63	407.55	415.96
Total Debt	3.04B	5.21B	6.25B	6.83B	8.39B
Net Debt	2.96B	5.2B	6.23B	6.82B	8.38B
Full Time Employees	606	775	828	758	655

Fiscal Period: December	2021 (ILS)	2022 (ILS)	2023 (ILS)	2024 (ILS)	2025 (ILS)
Net Income	181M	244M	132M	141M	120M
Depreciation, Depletion & Amortization	9.65M	11.9M	14.75M	17.82M	21.08M
Amortization of Goodwill and Intangible Assets - (CF)	-	1.04M	1.14M	1.14M	1.14M
Total Depreciation, Depletion & Amortization	9.65M	12.94M	15.88M	18.96M	22.22M
Amortization of Deferred Charges, Total	20.86M	22.93M	26.06M	25.84M	28.75M
(Gain) Loss On Sale of Asset - (CF)	20K	-	-93K	33K	103K
Provision for Credit Losses	-206M	-271M	-32.23M	-59.06M	-89.01M
Stock-Based Compensation (CF)	8.91M	17.05M	5.08M	6.98M	3.1M
Change In Inventories	-25.51M	-13.37M	14.7M	21.05M	3.13M
Change in Accounts Payable	10.22M	20.44M	16.78M	-24.76M	-801K
Change in Other Net Operating Assets (Collected)	-1.49B	-1.04B	-911M	-782M	-397M
Other Operating Activities	-15.81M	-49.11M	-139M	75.22M	97.36M
Cash from Operations	-1.51B	-1.05B	-872M	-576M	-212M
Capital Expenditure	-3.02M	-9.97M	-10.76M	-10.7M	-10.74M
Sale of Property, Plant, and Equipment	18K	-	322K	533K	200K
Cash Acquisitions	-	-19.03M	-	-	-
Purchase / Sale of Intangible Assets	-21.18M	-33.17M	-45.44M	-34.97M	-37.47M
Investment in Marketable and Equity Securities, Total	-2.54M	172K	-420K	-1.46M	-5.17M
Other Investing Activities, Total	1.8M	-	-	-	-
Cash from Investing	-24.91M	-62M	-56.3M	-46.59M	-53.18M
Long-Term Debt Issued, Total	2.01B	1.79B	2.28B	1.87B	4.42B
Total Debt Issued	2.01B	1.79B	2.28B	1.87B	4.42B
Long-Term Debt Repaid, Total	-484M	-706M	-1.3B	-1.19B	-4.07B
Total Debt Repaid	-484M	-706M	-1.3B	-1.19B	-4.07B
Issuance of Common Stock	158M	98.24M	-	-	-
Repurchase of Common Stock	-	-	-	-	-
Common Dividends Paid	-71.52M	-134M	-85.05M	-63.35M	-90.37M
Common & Preferred Stock Dividends Paid	-71.52M	-134M	-85.05M	-63.35M	-90.37M
Other Financing Activities, Total	-	-	34.15M	15.75M	-
Cash from Financing	1.61B	1.04B	932M	624M	263M
Foreign Exchange Rate Adjustments	-	60K	115K	10K	13K
Net Change in Cash	77.09M	-71.62M	4M	1.35M	-2.48M
Supplemental Items
Cash Interest Paid	49.58M	53.35M	169M	238M	281M
Cash Income Tax Paid (Refund)	83.33M	112M	200M	119M	61.2M
Net Debt Issued / Repaid	1.52B	1.08B	983M	672M	353M

Fiscal Period: December	2021 (ILS)	2022 (ILS)	2023 (ILS)	2024 (ILS)	2025 (ILS)
Profitability
Return on Assets	4.57	4.44	1.82	1.82	1.38
Return On Equity %	22.18	22.87	10.83	11.25	9.37
Return on Common Equity	22.18	22.87	10.95	11.03	8.97
Margin Analysis
Gross Profit Margin %	81.87	84.02	87.61	86.97	98.39
SG&A Margin	72.02	47.33	64.81	61.09	74.83
Income From Continuing Operations Margin %	39.78	24.43	17.43	17.84	16.51
Net Income Margin %	39.78	24.43	17.39	16.9	15.13
Net Avail. For Common Margin %	39.78	24.43	17.39	16.9	15.13
Normalized Net Income Margin	39.85	24.31	17.29	16.63	15.29
Asset Turnover
Asset Turnover	0.11	0.18	0.1	0.1	0.08
Short Term Liquidity
Current Ratio	3.5	2.5	3.28	3.01	2.6
Quick Ratio	3.47	2.48	3.27	3.01	2.6
Operating Cash Flow to Current Liabilities	-1.26	-0.4	-0.38	-0.21	-0.06
Long Term Solvency
Total Debt/Equity	317.79	440.77	492.15	495.93	590.71
Total Debt / Total Capital	76.06	81.51	83.11	83.22	85.52
LT Debt/Equity	218.54	245.8	332.14	320.59	349.86
Long-Term Debt / Total Capital	52.31	45.45	56.09	53.8	50.65
Total Liabilities / Total Assets	77.58	82.47	83.79	83.92	86.29
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	84.41	48.67	-23.88	9.6	-4.91
Gross Profit, 1 Yr. Growth %	50.97	42.4	-20.63	8.79	7.58
Earnings From Cont. Operations, 1 Yr. Growth %	155.62	34.82	-45.71	12.19	-11.97
Net Income, 1 Yr. Growth %	155.62	34.82	-45.81	6.52	-14.91
Normalized Net Income, 1 Yr. Growth %	172.14	33.9	-45.87	5.42	-12.57
Diluted EPS Before Extra, 1 Yr. Growth %	126.23	19.99	-45.89	6.52	-15.27
Common Equity, 1 Yr. Growth %	40.77	23.65	4.63	6.84	2.47
Total Assets, 1 Yr. Growth %	15.9	58.14	16.14	9.41	21.02
Tangible Book Value, 1 Yr. Growth %	44.06	20.76	3.34	6.79	2.08
Cash From Operations, 1 Yr. Growth %	414.55	-30.12	-17.25	-33.9	-63.15
Capital Expenditures, 1 Yr. Growth %	153.45	230.67	7.87	-0.54	0.4
Dividend Per Share, 1 Yr. Growth %	243.58	21.91	-47.67	35.57	-3.11
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	44.34	73.7	6.38	-8.66	2.09
Gross Profit, 2 Yr. CAGR %	30.6	59.21	6.31	-7.08	8.19
Earnings From Cont. Operations, 2 Yr. CAGR %	25.07	85.64	-14.44	-21.96	-0.62
Net Income, 2 Yr. CAGR %	25.07	85.64	-14.53	-24.03	-4.8
Normalized Net Income, 2 Yr. CAGR %	26.9	90.89	-14.86	-24.46	-4
Diluted EPS Before Extra, 2 Yr. CAGR %	14.38	64.76	-19.42	-24.08	-5
Common Equity, 2 Yr. CAGR %	40.84	31.93	13.75	5.73	4.63
Total Assets, 2 Yr. CAGR %	24.56	35.38	35.52	12.72	15.07
Tangible Book Value, 2 Yr. CAGR %	45.37	31.9	11.71	5.05	4.41
Cash From Operations, 2 Yr. CAGR %	129.55	89.62	-23.96	-26.04	-50.64
Capital Expenditures, 2 Yr. CAGR %	20.74	189.49	88.86	3.58	-0.07
Dividend Per Share, 2 Yr. CAGR %	-	104.66	-20.13	-15.78	14.61
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	29.07	66	31.93	7.44	-7.43
Gross Profit, 3 Yr. CAGR %	20.74	56.64	26.24	7.13	-2.43
Earnings From Cont. Operations, 3 Yr. CAGR %	36.55	28.24	23.22	-6.36	-18.76
Net Income, 3 Yr. CAGR %	36.55	28.24	23.15	-8.02	-21.1
Normalized Net Income, 3 Yr. CAGR %	38.69	29.19	25.41	-8.58	-20.69
Diluted EPS Before Extra, 3 Yr. CAGR %	28.22	16.22	13.67	-11.57	-21.25
Common Equity, 3 Yr. CAGR %	36.53	34.86	22.12	11.4	4.63
Total Assets, 3 Yr. CAGR %	29.33	34.87	28.64	26.19	15.42
Tangible Book Value, 3 Yr. CAGR %	39.73	36.65	21.6	10.05	4.05
Cash From Operations, 3 Yr. CAGR %	84.33	54.42	43.83	-27.43	-41.37
Capital Expenditures, 3 Yr. CAGR %	-24	68.92	108.32	52.52	2.51
Dividend Per Share, 3 Yr. CAGR %	91.88	-	29.89	-4.73	-11.75
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	14.41	40.9	29.15	30.72	19.07
Gross Profit, 5 Yr. CAGR %	9.92	36.08	25.78	27.11	18.68
Earnings From Cont. Operations, 5 Yr. CAGR %	38.29	34.46	13.26	5.14	13.07
Net Income, 5 Yr. CAGR %	38.29	34.46	13.22	4.01	11.1
Normalized Net Income, 5 Yr. CAGR %	37.58	33.15	14.1	4.24	12.7
Diluted EPS Before Extra, 5 Yr. CAGR %	31.86	26.27	6.48	-1.98	5.8
Common Equity, 5 Yr. CAGR %	-	30.86	26.92	22.35	14.8
Total Assets, 5 Yr. CAGR %	-	30.54	31.77	25.53	23.03
Tangible Book Value, 5 Yr. CAGR %	-	31.93	27.77	23.01	14.41
Cash From Operations, 5 Yr. CAGR %	46.75	134.94	29.35	15.03	-6.24
Capital Expenditures, 5 Yr. CAGR %	-2.1	17.36	9.38	38.91	55.28
Dividend Per Share, 5 Yr. CAGR %	47.85	-	35.13	-	23.55