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The historical rank and industry rank for Direct Finance of Direct Group (2006)'s Return-on-Tangible-Equity or its related term are showing as below:
XTAE:DIFI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.86 Med: 17.47 Max: 30.53
Current: 12.11
During the past 9 years, Direct Finance of Direct Group (2006)'s highest Return-on-Tangible-Equity was 30.53%. The lowest was 9.86%. And the median was 17.47%.
XTAE:DIFI's Return-on-Tangible-Equity is ranked better than 66.79% of 527
companies
in the Credit Services industry
Industry Median: 7.06
vs XTAE:DIFI: 12.11
Direct Finance of Direct Group (2006) (XTAE:DIFI) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Direct Finance of Direct Group (2006) Return-on-Tangible-Equity Related Terms
Direct Finance of Direct Group (2006) Return-on-Tangible-Equity 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-Equity Chart
XTAE:DIFI vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Direct Finance of Direct Group (2006)'s Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Direct Finance of Direct Group (2006)'s Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Direct Finance of Direct Group (2006)'s Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 15.44% mean?
Direct Finance of Direct Group (2006) (XTAE:DIFI) has a Return-on-Tangible-Equity of 15.44% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Direct Finance of Direct Group (2006) and its competitors. This is 12% below median its historical median of 17.47. Over the past decade, Direct Finance of Direct Group (2006)'s Return-on-Tangible-Equity has ranged from 9.86 to 30.53. According to the industry distribution chart, Direct Finance of Direct Group (2006) ranks #175 out of 527 companies in the Credit Services industry, placing it in the top 33.2%.
Is Direct Finance of Direct Group (2006)'s Return-on-Tangible-Equity too high?
Direct Finance of Direct Group (2006)'s current Return-on-Tangible-Equity of 15.44% is 12% below median its 10-year median of 17.47. Over the past 10 years, this metric has ranged from a low of 9.86 to a high of 30.53. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Direct Finance of Direct Group (2006)'s value of 15.44% is 118.7% above this industry median. Based on the distribution chart, Direct Finance of Direct Group (2006) ranks #175 out of 527 companies in the Credit Services industry, which is above 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Direct Finance of Direct Group (2006) ranks #175 out of 527 companies for Return-on-Tangible-Equity. This puts Direct Finance of Direct Group (2006) in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Direct Finance of Direct Group (2006)'s value of 15.44% is 118.7% above this benchmark. Historically, Direct Finance of Direct Group (2006)'s own Return-on-Tangible-Equity has ranged from 9.86 to 30.53 over the past decade. While the company's 10-year median is 17.47 vs. the industry median of 7.06, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 15.44% is 118.7% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Direct Finance of Direct Group (2006) and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — 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-Equity is 15.44%, which is 12% below median its own 10-year median of 17.47. 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 ₪628.50 — trading 3.8% above its estimated fair value. The current Return-on-Tangible-Equity is 15.44%, which is 12% below median its 10-year median of 17.47 and 118.7% above the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Direct Finance of Direct Group (2006) (XTAE:DIFI), the current Return-on-Tangible-Equity is 15.44% as of Mar. 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 ₪628.50 is trading 3.8% 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:
Return-on-Tangible-Equity: 15.44% (12% below median its 10-year median of 17.47)
GF Value™: ₪605.42 vs. price of ₪628.50 (3.8% above fair value)
Industry Position: 118.7% above the Credit Services median (#175 of 527)
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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