Direct Finance of Direct Group (2006) (XTAE:DIFI) ROE % Adjusted to Book Value: 12.10% (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTAE:DIFI Direct Finance of Direct Group (2006) Ltd XTAE:DIFI
81 GF Score
Price ₪628.50
GF Value ₪605.42
Valuation Fairly Valued
! 8 Warning Signs
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What is Direct Finance of Direct Group (2006) ROE % Adjusted to Book Value?

Direct Finance of Direct Group (2006) XTAE:DIFI -0.08% 81 ROE % Adjusted to Book Value is 12.10% as of Mar. 2026. GuruFocus rates XTAE:DIFI with a GF Score™ of 81/100 and a GF Value™ of ₪605.42 (Fairly Valued). The stock has 8 warning signs investors should review.

Direct Finance of Direct Group (2006)'s ROE % for the quarter that ended in Mar. 2026 was 14.04%. Direct Finance of Direct Group (2006)'s PB Ratio for the quarter that ended in Mar. 2026 was 1.16. Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 12.10%.


Direct Finance of Direct Group (2006) ROE % Adjusted to Book Value Related Terms


Direct Finance of Direct Group (2006) ROE % Adjusted to Book Value Historical Data

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The historical data trend for Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value can be seen below:

* 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) ROE % Adjusted to Book Value Chart

Direct Finance of Direct Group (2006) Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only 8.50 16.34 10.95 8.62 7.41

Direct Finance of Direct Group (2006) Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.87 3.77 16.72 5.91 12.10

XTAE:DIFI vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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) ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value falls into.


XTAE:DIFI
81GF Score
Direct Finance of Direct Group (2006) Ltd XTAE:DIFI
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Direct Finance of Direct Group (2006) ROE % Adjusted to Book Value Calculation

Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.97% / 1.21
=7.41%

Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.04% / 1.16
=12.10%

* 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.

What does a ROE % Adjusted to Book Value of 12.10% mean?
Direct Finance of Direct Group (2006) (XTAE:DIFI) has a ROE % Adjusted to Book Value of 12.10% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Direct Finance of Direct Group (2006) and its competitors.
Is Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value too high?
Direct Finance of Direct Group (2006)'s current ROE % Adjusted to Book Value is 12.10%. 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 ROE % Adjusted to Book Value compare to V and MA?
Direct Finance of Direct Group (2006)'s ROE % Adjusted to Book Value of 12.10% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Direct Finance of Direct Group (2006) and its competitors. Direct Finance of Direct Group (2006)'s current ROE % Adjusted to Book Value is 12.10%. 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 ROE % Adjusted to Book Value is 12.10%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Direct Finance of Direct Group (2006) (XTAE:DIFI), the current ROE % Adjusted to Book Value is 12.10% 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:

  • ROE % Adjusted to Book Value: 12.10%
  • GF Value™: ₪605.42 vs. price of ₪628.50 (3.8% above fair value)
  • GF Score™: 81/100 with 8 warning signs

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.


Direct Finance of Direct Group (2006) Business Description

Address Efal 35, Kiryat Arieh, Apple 35, Petah Tikva, ISR, 4951132
Direct Finance of Direct Group (2006) Ltd provides credit facilities for vehicle purchase and other purposes.
81GF Score

Get the complete analysis for XTAE:DIFI

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₪628.50
Price
₪605.42
GF Value