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Direct Finance of Direct Group (2006) (XTAE:DIFI) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Direct Finance of Direct Group (2006) Pretax Margin % Related Terms
Direct Finance of Direct Group (2006) Pretax Margin % 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) Pretax Margin % Chart
XTAE:DIFI vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Direct Finance of Direct Group (2006)'s Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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) Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Direct Finance of Direct Group (2006)'s Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Direct Finance of Direct Group (2006)'s Pretax Margin % falls into.
* 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) (XTAE:DIFI) has a Pretax Margin % of 32.31% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Direct Finance of Direct Group (2006) and its competitors. This is 43% above median its historical median of 22.59. Over the past decade, Direct Finance of Direct Group (2006)'s Pretax Margin % has ranged from 13.80 to 34.06. According to the industry distribution chart, Direct Finance of Direct Group (2006) ranks #275 out of 542 companies in the Credit Services industry, placing it in the top 50.7%.
Is Direct Finance of Direct Group (2006)'s Pretax Margin % too high?
Direct Finance of Direct Group (2006)'s current Pretax Margin % of 32.31% is 43% above median its 10-year median of 22.59. Over the past 10 years, this metric has ranged from a low of 13.80 to a high of 34.06. The Credit Services industry median Pretax Margin % is 21.42. Direct Finance of Direct Group (2006)'s value of 32.31% is 50.9% above this industry median. Based on the distribution chart, Direct Finance of Direct Group (2006) ranks #275 out of 542 companies in the Credit Services industry, which is below the industry midpoint. Overall, Direct Finance of Direct Group (2006) has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Direct Finance of Direct Group (2006)'s Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Direct Finance of Direct Group (2006) ranks #275 out of 542 companies for Pretax Margin %. This places Direct Finance of Direct Group (2006) in the lower half of its industry. The industry median Pretax Margin % is 21.42. Direct Finance of Direct Group (2006)'s value of 32.31% is 50.9% above this benchmark. Historically, Direct Finance of Direct Group (2006)'s own Pretax Margin % has ranged from 13.80 to 34.06 over the past decade. While the company's 10-year median is 22.59 vs. the industry median of 21.42, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 21.42, based on 542 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % 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 Pretax Margin % of 32.31% is 50.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Direct Finance of Direct Group (2006) and its competitors. For the Credit Services industry, the median Pretax Margin % is 21.42 — 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 Pretax Margin % is 32.31%, which is 43% above median its own 10-year median of 22.59. 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 ₪640.95, compared to a current price of ₪671.30 — trading 4.7% above its estimated fair value. The current Pretax Margin % is 32.31%, which is 43% above median its 10-year median of 22.59 and 50.9% above the Credit Services industry median of 21.42. Direct Finance of Direct Group (2006)'s overall GF Score™ is 79/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Direct Finance of Direct Group (2006) (XTAE:DIFI), the current Pretax Margin % is 32.31% as of Jun. 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 ₪671.30 is trading 4.7% above its estimated GF Value™ of ₪640.95.
GuruFocus considers Direct Finance of Direct Group (2006) to be Fairly Valued.
Key valuation signals for XTAE:DIFI:
Pretax Margin %: 32.31% (43% above median its 10-year median of 22.59)
GF Value™: ₪640.95 vs. price of ₪671.30 (4.7% above fair value)
Industry Position: 50.9% above the Credit Services median (#275 of 542)
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.
AddressEfal 35, Kiryat Arieh, Apple 35, Petah Tikva, ISR, 4951132
Direct Finance of Direct Group (2006) Ltd, known as Direct Finance, is an Israeli non-bank consumer finance company and a subsidiary of Direct Group. It specializes in providing credit to retail customers, primarily for vehicle purchases, and also offers loans for other consumer purposes. The company operates through a network of branches and digital channels, serving individual borrowers across Israel. Its revenue model is based on interest income and fees generated from its loan portfolio, which is funded through institutional borrowings and securitization. Direct Finance focuses on the used and new vehicle financing market, offering competitive rates and quick approval processes. The company is publicly traded on the Tel Aviv Stock Exchange under the ticker DIFI.
79GF Score
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