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Direct Finance of Direct Group (2006)XTAE:DIFI 79 Return-on-Tangible-Asset is 2.61% as of Jun. 2026, which is 12% below its 10-year median of 2.97. GuruFocus rates XTAE:DIFI with a GF Score™ of 79/100 and a GF Value™ of ₪640.38 (Fairly Valued). The stock has 9 warning signs investors should review. Among 553 Credit Services companies, Direct Finance of Direct Group (2006) ranks worse than 50.27% on this metric.
The historical rank and industry rank for Direct Finance of Direct Group (2006)'s Return-on-Tangible-Asset or its related term are showing as below:
XTAE:DIFI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.28 Med: 2.97 Max: 5.02
Current: 2
During the past 9 years, Direct Finance of Direct Group (2006)'s highest Return-on-Tangible-Asset was 5.02%. The lowest was 1.28%. And the median was 2.97%.
XTAE:DIFI's Return-on-Tangible-Asset is ranked worse than 50.27% of 553
companies
in the Credit Services industry
Industry Median: 2.01
vs XTAE:DIFI: 2.00
Direct Finance of Direct Group (2006) (XTAE:DIFI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Direct Finance of Direct Group (2006) Return-on-Tangible-Asset Related Terms
Direct Finance of Direct Group (2006) Return-on-Tangible-Asset 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) Return-on-Tangible-Asset Chart
XTAE:DIFI vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Direct Finance of Direct Group (2006)'s Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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) Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Direct Finance of Direct Group (2006)'s Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Direct Finance of Direct Group (2006)'s Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.61% mean?
Direct Finance of Direct Group (2006) (XTAE:DIFI) has a Return-on-Tangible-Asset of 2.61% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Direct Finance of Direct Group (2006) and its competitors. This is 12% below median its historical median of 2.97. Over the past decade, Direct Finance of Direct Group (2006)'s Return-on-Tangible-Asset has ranged from 1.28 to 5.02. According to the industry distribution chart, Direct Finance of Direct Group (2006) ranks #278 out of 553 companies in the Credit Services industry, placing it in the top 50.3%.
Is Direct Finance of Direct Group (2006)'s Return-on-Tangible-Asset too high?
Direct Finance of Direct Group (2006)'s current Return-on-Tangible-Asset of 2.61% is 12% below median its 10-year median of 2.97. Over the past 10 years, this metric has ranged from a low of 1.28 to a high of 5.02. The Credit Services industry median Return-on-Tangible-Asset is 2.01. Direct Finance of Direct Group (2006)'s value of 2.61% is 29.9% above this industry median. Based on the distribution chart, Direct Finance of Direct Group (2006) ranks #278 out of 553 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 Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Direct Finance of Direct Group (2006) ranks #278 out of 553 companies for Return-on-Tangible-Asset. This places Direct Finance of Direct Group (2006) in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.01. Direct Finance of Direct Group (2006)'s value of 2.61% is 29.9% above this benchmark. Historically, Direct Finance of Direct Group (2006)'s own Return-on-Tangible-Asset has ranged from 1.28 to 5.02 over the past decade. While the company's 10-year median is 2.97 vs. the industry median of 2.01, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 2.01, based on 553 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset 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 Return-on-Tangible-Asset of 2.61% is 29.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Direct Finance of Direct Group (2006) and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.01 — 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 Return-on-Tangible-Asset is 2.61%, which is 12% below median its own 10-year median of 2.97. 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 ₪640.38, compared to a current price of ₪670.00 — trading 4.6% above its estimated fair value. The current Return-on-Tangible-Asset is 2.61%, which is 12% below median its 10-year median of 2.97 and 29.9% above the Credit Services industry median of 2.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Direct Finance of Direct Group (2006) (XTAE:DIFI), the current Return-on-Tangible-Asset is 2.61% 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 ₪670.00 is trading 4.6% above its estimated GF Value™ of ₪640.38.
GuruFocus considers Direct Finance of Direct Group (2006) to be Fairly Valued.
Key valuation signals for XTAE:DIFI:
Return-on-Tangible-Asset: 2.61% (12% below median its 10-year median of 2.97)
GF Value™: ₪640.38 vs. price of ₪670.00 (4.6% above fair value)
Industry Position: 29.9% above the Credit Services median (#278 of 553)
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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