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XTAE:DIFI's PB Ratio is ranked worse than 57.33% of 525
companies
in the Credit Services industry
Industry Median: 1.08
vs XTAE:DIFI: 1.36
During the past 12 months, Direct Finance of Direct Group (2006)'s average Book Value Per Share Growth Rate was 5.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.30% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Direct Finance of Direct Group (2006) was 30.80% per year. The lowest was 4.60% per year. And the median was 15.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Direct Finance of Direct Group (2006) PB Ratio Related Terms
Direct Finance of Direct Group (2006) PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Direct Finance of Direct Group (2006) PB Ratio Chart
For the Credit Services subindustry, Direct Finance of Direct Group (2006)'s PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Direct Finance of Direct Group (2006) PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Direct Finance of Direct Group (2006)'s PB Ratio distribution charts can be found below:
* The bar in red indicates where Direct Finance of Direct Group (2006)'s PB Ratio falls into.
Direct Finance of Direct Group (2006) PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Direct Finance of Direct Group (2006) (XTAE:DIFI) has a PB Ratio of 1.36 as of Aug. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Direct Finance of Direct Group (2006) and its competitors. This is near median its historical median of 1.30. Over the past decade, Direct Finance of Direct Group (2006)'s PB Ratio has ranged from 0.75 to 2.97. According to the industry distribution chart, Direct Finance of Direct Group (2006) ranks #301 out of 525 companies in the Credit Services industry, placing it in the top 57.3%.
Is Direct Finance of Direct Group (2006)'s PB Ratio too high?
Direct Finance of Direct Group (2006)'s current PB Ratio of 1.36 is near median its 10-year median of 1.30. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 2.97. The Credit Services industry median PB Ratio is 1.08. Direct Finance of Direct Group (2006)'s value of 1.36 is 25.9% above this industry median. Based on the distribution chart, Direct Finance of Direct Group (2006) ranks #301 out of 525 companies in the Credit Services industry, which is below the industry midpoint. Overall, Direct Finance of Direct Group (2006) has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Direct Finance of Direct Group (2006)'s PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Direct Finance of Direct Group (2006) ranks #301 out of 525 companies for PB Ratio. This places Direct Finance of Direct Group (2006) in the lower half of its industry. The industry median PB Ratio is 1.08. Direct Finance of Direct Group (2006)'s value of 1.36 is 25.9% above this benchmark. Historically, Direct Finance of Direct Group (2006)'s own PB Ratio has ranged from 0.75 to 2.97 over the past decade. While the company's 10-year median is 1.30 vs. the industry median of 1.08, Direct Finance of Direct Group (2006) has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.08, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Direct Finance of Direct Group (2006)'s current PB Ratio of 1.36 is 25.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Direct Finance of Direct Group (2006) and its competitors. For the Credit Services industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Direct Finance of Direct Group (2006)'s current PB Ratio is 1.36, which is near median its own 10-year median of 1.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Direct Finance of Direct Group (2006) stock overvalued right now?
Based on GuruFocus' analysis, Direct Finance of Direct Group (2006) (XTAE:DIFI) is currently considered Fairly Valued. The stock's GF Value™ is ₪605.42, compared to a current price of ₪639.50 — trading 5.6% above its estimated fair value. The current PB Ratio is 1.36, which is near median its 10-year median of 1.30 and 25.9% above the Credit Services industry median of 1.08. Direct Finance of Direct Group (2006)'s overall GF Score™ is 81/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Direct Finance of Direct Group (2006) (XTAE:DIFI), the current PB Ratio is 1.36 as of Aug. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Direct Finance of Direct Group (2006) (XTAE:DIFI) Overvalued in 2026?
Based on GuruFocus' analysis, Direct Finance of Direct Group (2006) stock appears to be overvalued.
The current stock price of ₪639.50 is trading 5.6% above its estimated GF Value™ of ₪605.42.
GuruFocus considers Direct Finance of Direct Group (2006) to be Fairly Valued.
Key valuation signals for XTAE:DIFI:
PB Ratio: 1.36 (near median its 10-year median of 1.30)
GF Value™: ₪605.42 vs. price of ₪639.50 (5.6% above fair value)
Industry Position: 25.9% above the Credit Services median (#301 of 525)
No single metric tells the full story. See the XTAE:DIFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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