DIRECT FINANCE OF DIRECT GROUP (2006)LTD

Cash flow Direct Finance of Direct Group (2006)Ltd

Equities

DIFI

IL0011681868

Consumer Lending

Market Closed - TEL AVIV STOCK EXCHANGE Other stock markets 10:24:51 2025-06-19 am EDT			5-day change	1st Jan Change
52,900.00 ^ILa	+4.57%		+6.85%	-7.52%

May. 29	Direct Finance of Direct GroupLtd Reports Earnings Results for the First Quarter Ended March 31, 2025	CI
Mar. 20	Direct Finance of Direct GroupLtd Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2024	CI

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

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	-	523M	1.18B	1.25B	1.39B
Interest Expense, Total	50.28M	97.88M	234M	336M	435M
Net Interest Income	-50.28M	425M	947M	912M	952M
Other Revenues, Total	373M	84.4M	164M	92.5M	107M
Revenues Before Provison For Loan Losses	322M	510M	1.11B	1B	1.06B
Provision For Loan Losses	75.09M	53.9M	111M	243M	224M
Total Revenues	247M	456M	1B	762M	835M
Cost of Services Provided, Total	245M	411M	634M	588M	619M
Other Operating Expenses	-105M	-246M	-22.05M	-37.27M	-18.33M
Total Operating Expenses	140M	165M	611M	551M	600M
Operating Income	107M	291M	389M	211M	234M
Other Non Operating Income (Expenses)	-	-20K	-	93K	187K
EBT, Excl. Unusual Items	107M	291M	389M	211M	235M
Other Unusual Items	2.58M	-	-	-	-
EBT, Incl. Unusual Items	109M	291M	389M	211M	235M
Income Tax Expense	38.44M	109M	145M	78.34M	85.65M
Earnings From Continuing Operations	70.93M	181M	244M	133M	149M
Net Income to Company	70.93M	181M	244M	133M	149M
Minority Interest	-	-	-	-251K	-7.8M
Net Income - (IS)	70.93M	181M	244M	132M	141M
Net Income to Common Incl Extra Items	70.93M	181M	244M	132M	141M
Net Income to Common Excl. Extra Items	70.93M	181M	244M	132M	141M
Per Share Items
Net EPS - Basic	31.75	71.27	83.43	44.8	47.72
Basic EPS - Continuing Operations	31.75	71.27	83.43	44.8	47.72
Basic Weighted Average Shares Outstanding	2.23M	2.54M	2.93M	2.96M	2.96M
Net EPS - Diluted	30.5	69	82.79	44.8	47.72
Diluted EPS - Continuing Operations	30.5	69	82.79	44.8	47.72
Diluted Weighted Average Shares Outstanding	2.32M	2.63M	2.95M	2.96M	2.96M
Normalized Basic EPS	29.88	71.4	83.01	44.53	46.94
Normalized Diluted EPS	28.71	69.12	82.36	44.53	46.94
Dividend Per Share	9.87	33.91	41.34	21.63	29.33
Payout Ratio	16.2	39.45	54.66	64.2	44.9
Supplemental Items
Effective Tax Rate - (Ratio)	35.15	37.61	37.18	37.12	36.52
Total Current Taxes	46.02M	111M	150M	107M	86.42M
Total Deferred Taxes	-13.96M	-849K	-5.44M	-29.3M	-1.73M
Normalized Net Income	66.74M	182M	243M	132M	139M
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	8.91M	17.05M	5.08M	6.98M
Total Stock-Based Compensation	-	8.91M	17.05M	5.08M	6.98M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	3.11M	80.2M	8.57M	12.58M	13.92M
Long-Term Investments - (FS Template)	4.38M	9.37M	12.39M	13.33M	12.32M
Loans and Lease Receivables - (FS Template)	2.88B	3.99B	6.42B	7.46B	8.14B
Other Receivables	567M	66.24M	81.82M	95.56M	110M
Gross Property Plant And Equipment	55.34M	64.11M	140M	160M	186M
Accumulated Depreciation	-40.02M	-49.65M	-62.23M	-76.56M	-94.17M
Net Property Plant And Equipment	15.32M	14.45M	78.2M	83.28M	91.49M
Goodwill	1.02M	1.02M	24.89M	24.89M	24.89M
Other Intangibles, Total	50.48M	50.8M	65.33M	83.57M	91.56M
Other Current Assets, Total	11.49M	33.1M	44.42M	25.44M	4.17M
Deferred Tax Assets Long-Term (Collected)	756K	249K	3.95M	9.73M	11.85M
Deferred Charges Long-Term	12.26M	5.28M	2.27M	2.92M	8.21M
Other Long-Term Assets, Total	133M	9.74M	618K	23.38M	55.89M
Total Assets	3.68B	4.26B	6.74B	7.83B	8.57B
Liabilities
Accounts Payable, Total	7.76M	15.04M	26.66M	25.57M	21.24M
Accrued Expenses, Total	21.59M	24.68M	36.42M	45.69M	18.55M
Short-Term Borrowings	1.06B	236M	1.09B	970M	666M
Current Portion of Long-Term Debt	447M	712M	1.21B	1.05B	1.73B
Current Portion of Leases	-	-	10.35M	9.86M	13.75M
Long-Term Debt	1.27B	2.08B	2.85B	4.16B	4.36B
Long-Term Leases	8.29M	7.81M	54.46M	53.65M	54.04M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	148M	205M	255M	215M	289M
Deferred Tax Liability Non-Current	26.52M	24.6M	23.56M	39K	430K
Other Non Current Liabilities	16.7M	252K	8.19M	29.63M	29.33M
Total Liabilities	3B	3.31B	5.56B	6.56B	7.19B
Common Stock, Total	2.53M	2.73M	2.96M	2.96M	2.96M
Additional Paid In Capital	342M	503M	629M	629M	632M
Retained Earnings	304M	414M	524M	574M	652M
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	30.59M	36.96M	25.96M	31.04M	34.96M
Total Common Equity	679M	956M	1.18B	1.24B	1.32B
Minority Interest	-	-	-	32.15M	55.8M
Total Equity	679M	956M	1.18B	1.27B	1.38B
Total Liabilities And Equity	3.68B	4.26B	6.74B	7.83B	8.57B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.53M	2.73M	2.96M	2.96M	2.96M
ECS Total Common Shares Outstanding	2.53M	2.73M	2.96M	2.96M	2.96M
Book Value / Share	268.82	350.04	399.8	418.32	446.93
Tangible Book Value	628M	904M	1.09B	1.13B	1.21B
Tangible Book Value Per Share	248.44	331.07	369.28	381.63	407.55
Total Debt	2.78B	3.04B	5.21B	6.25B	6.83B
Net Debt	2.78B	2.96B	5.2B	6.23B	6.82B
Full Time Employees	444	606	775	828	758

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	70.93M	181M	244M	132M	141M
Depreciation, Depletion & Amortization	10.71M	9.65M	11.9M	14.75M	17.82M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	1.04M	1.14M	1.14M
Total Depreciation, Depletion & Amortization	10.71M	9.65M	12.94M	15.88M	18.96M
Amortization of Deferred Charges, Total	18.67M	20.86M	22.93M	26.06M	25.84M
(Gain) Loss On Sale of Asset - (CF)	-	20K	-	-93K	33K
Provision for Credit Losses	-64.5M	-206M	-271M	-32.23M	-59.06M
Stock-Based Compensation (CF)	-	8.91M	17.05M	5.08M	6.98M
Change In Inventories	-	-25.51M	-13.37M	14.7M	21.05M
Change in Accounts Payable	-12.64M	10.22M	20.44M	16.78M	-24.76M
Change in Other Net Operating Assets (Collected)	-334M	-1.49B	-1.04B	-911M	-782M
Other Operating Activities	18.16M	-15.81M	-49.11M	-139M	75.22M
Cash from Operations	-293M	-1.51B	-1.05B	-872M	-576M
Capital Expenditure	-1.19M	-3.02M	-9.97M	-10.76M	-10.7M
Sale of Property, Plant, and Equipment	-	18K	-	322K	533K
Cash Acquisitions	-	-	-19.03M	-	-
Purchase / Sale of Intangible Assets	-16.13M	-21.18M	-33.17M	-45.44M	-34.97M
Investment in Marketable and Equity Securities, Total	-1.83M	-2.54M	172K	-420K	-1.46M
Other Investing Activities, Total	2.09M	1.8M	-	-	-
Cash from Investing	-17.06M	-24.91M	-62M	-56.3M	-46.59M
Long-Term Debt Issued, Total	492M	2.01B	1.79B	2.28B	1.87B
Total Debt Issued	492M	2.01B	1.79B	2.28B	1.87B
Long-Term Debt Repaid, Total	-312M	-484M	-706M	-1.3B	-1.19B
Total Debt Repaid	-312M	-484M	-706M	-1.3B	-1.19B
Issuance of Common Stock	138M	158M	98.24M	-	-
Repurchase of Common Stock	-	-	-	-	-
Common Dividends Paid	-11.49M	-71.52M	-134M	-85.05M	-63.35M
Common & Preferred Stock Dividends Paid	-11.49M	-71.52M	-134M	-85.05M	-63.35M
Other Financing Activities, Total	-	-	-	34.15M	15.75M
Cash from Financing	306M	1.61B	1.04B	932M	624M
Foreign Exchange Rate Adjustments	-	-	60K	115K	10K
Net Change in Cash	-3.95M	77.09M	-71.62M	4M	1.35M
Supplemental Items
Cash Interest Paid	50.65M	49.58M	53.35M	169M	238M
Cash Income Tax Paid (Refund)	25.25M	83.33M	112M	200M	119M
Net Debt Issued / Repaid	180M	1.52B	1.08B	983M	672M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.21	4.57	4.44	1.82	1.82
Return On Equity %	12.22	22.18	22.87	10.83	11.25
Return on Common Equity	12.22	22.18	22.87	10.95	11.03
Margin Analysis
Gross Profit Margin %	100	81.87	84.02	87.61	86.97
SG&A Margin	99.3	72.02	47.33	64.81	61.09
Income From Continuing Operations Margin %	28.7	39.78	24.43	17.43	17.84
Net Income Margin %	28.7	39.78	24.43	17.39	16.9
Net Avail. For Common Margin %	28.7	39.78	24.43	17.39	16.9
Normalized Net Income Margin	27.01	39.85	24.31	17.29	16.63
Asset Turnover
Asset Turnover	0.08	0.11	0.18	0.1	0.1
Short Term Liquidity
Current Ratio	2.06	3.5	2.5	3.28	3.01
Quick Ratio	2.05	3.47	2.48	3.27	3.01
Operating Cash Flow to Current Liabilities	-0.17	-1.26	-0.4	-0.38	-0.21
Long Term Solvency
Total Debt/Equity	409.16	317.79	440.77	492.15	495.93
Total Debt / Total Capital	80.36	76.06	81.51	83.11	83.22
LT Debt/Equity	187.58	218.54	245.8	332.14	320.59
Long-Term Debt / Total Capital	36.84	52.31	45.45	56.09	53.8
Total Liabilities / Total Assets	81.54	77.58	82.47	83.79	83.92
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	12.98	84.41	48.67	-23.88	9.6
Gross Profit, 1 Yr. Growth %	12.98	50.97	42.4	-20.63	8.79
Earnings From Cont. Operations, 1 Yr. Growth %	-38.81	155.62	34.82	-45.71	12.19
Net Income, 1 Yr. Growth %	-38.81	155.62	34.82	-45.81	6.52
Normalized Net Income, 1 Yr. Growth %	-40.83	172.14	33.9	-45.87	5.42
Diluted EPS Before Extra, 1 Yr. Growth %	-42.17	126.23	19.99	-45.89	6.52
Common Equity, 1 Yr. Growth %	40.92	40.77	23.65	4.63	6.84
Total Assets, 1 Yr. Growth %	33.86	15.9	58.14	16.14	9.41
Tangible Book Value, 1 Yr. Growth %	46.68	44.06	20.76	3.34	6.79
Cash From Operations, 1 Yr. Growth %	2.41	414.55	-30.12	-17.25	-33.9
Capital Expenditures, 1 Yr. Growth %	-42.48	153.45	230.67	7.87	-0.54
Dividend Per Share, 1 Yr. Growth %	-	243.58	21.91	-47.67	35.57
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	7.98	44.34	73.7	6.38	-8.66
Gross Profit, 2 Yr. CAGR %	7.98	30.6	59.21	6.31	-7.08
Earnings From Cont. Operations, 2 Yr. CAGR %	-0.2	25.07	85.64	-14.44	-21.96
Net Income, 2 Yr. CAGR %	-0.2	25.07	85.64	-14.53	-24.03
Normalized Net Income, 2 Yr. CAGR %	-0.99	26.9	90.89	-14.86	-24.46
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.47	14.38	64.76	-19.42	-24.08
Common Equity, 2 Yr. CAGR %	34.46	40.84	31.93	13.75	5.73
Total Assets, 2 Yr. CAGR %	36.62	24.56	35.38	35.52	12.72
Tangible Book Value, 2 Yr. CAGR %	37.62	45.37	31.9	11.71	5.05
Cash From Operations, 2 Yr. CAGR %	10.33	129.55	89.62	-23.96	-26.04
Capital Expenditures, 2 Yr. CAGR %	-58.38	20.74	189.49	88.86	3.58
Dividend Per Share, 2 Yr. CAGR %	43.4	-	104.66	-20.13	-15.78
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	11.1	29.07	66	31.93	7.44
Gross Profit, 3 Yr. CAGR %	11.1	20.74	56.64	26.24	7.13
Earnings From Cont. Operations, 3 Yr. CAGR %	8.45	36.55	28.24	23.22	-6.36
Net Income, 3 Yr. CAGR %	8.45	36.55	28.24	23.15	-8.02
Normalized Net Income, 3 Yr. CAGR %	4.73	38.69	29.19	25.41	-8.58
Diluted EPS Before Extra, 3 Yr. CAGR %	5.75	28.22	16.22	13.67	-11.57
Common Equity, 3 Yr. CAGR %	30.15	36.53	34.86	22.12	11.4
Total Assets, 3 Yr. CAGR %	27.4	29.33	34.87	28.64	26.19
Tangible Book Value, 3 Yr. CAGR %	31.96	39.73	36.65	21.6	10.05
Cash From Operations, 3 Yr. CAGR %	171.03	84.33	54.42	43.83	-27.43
Capital Expenditures, 3 Yr. CAGR %	-35.71	-24	68.92	108.32	52.52
Dividend Per Share, 3 Yr. CAGR %	-	91.88	-	29.89	-4.73
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	14.41	40.9	29.15	30.72
Gross Profit, 5 Yr. CAGR %	-	9.92	36.08	25.78	27.11
Earnings From Cont. Operations, 5 Yr. CAGR %	-	38.29	34.46	13.26	5.14
Net Income, 5 Yr. CAGR %	-	38.29	34.46	13.22	4.01
Normalized Net Income, 5 Yr. CAGR %	-	37.58	33.15	14.1	4.24
Diluted EPS Before Extra, 5 Yr. CAGR %	-	31.86	26.27	6.48	-1.98
Common Equity, 5 Yr. CAGR %	-	-	30.86	26.92	22.35
Total Assets, 5 Yr. CAGR %	-	-	30.54	31.77	25.53
Tangible Book Value, 5 Yr. CAGR %	-	-	31.93	27.77	23.01
Cash From Operations, 5 Yr. CAGR %	-	46.75	134.94	29.35	15.03
Capital Expenditures, 5 Yr. CAGR %	-	-2.1	17.36	9.38	38.91
Dividend Per Share, 5 Yr. CAGR %	-	47.85	-	35.13	-