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About Us

Mimun Yashir is a true visionary. We are proud to have revolutionized the way private customers obtain loans. We continue to be among the leaders in the vehicle loan market, maintaining our status as one of Israel's foremost consumer credit companies.

Financial Data and Public Disclosures

Read more
  • Results Webinar Q1 2025

  • Summary Presentation Q1 2025

  • Quarterly Report March 31, 2025

Let's Discuss the Figures

#1
One of the leading vehicle loan company in Israel*
#1
One of the leading non-bank consumer credit company in Israel*
2.35
NIS billion in loans provided in the 3 months that ended on March 31, 2025, of which NIS 2.26 billion are backed by vehicle and/or real estate liens
15.9
Billion NIS. The scope balance of the loan portfolios managed by the company, of which NIS 13.9 billion from Govip are liened on vehicles or real estate (as of March 31, 2025)
20.7
Million NIS net profit (For the 3 months ending March 31, 2025).
13.8%
Average annual growth in loan granting and marketing period 2021–2025.

According to company policy*

Stock Price


Beyond Financing: Your Complete Automotive Solution

CARWIZ

CARWIZ is an innovative digital platform that connects buyers seeking second-hand cars with vehicle dealerships all over Israel. The platform matches the right car using extensive data collected from various sources. Results are presented in a convenient and user-friendly manner, and most importantly, the data is unbiased and reliable.

Auto Magazine

Auto Magazine was established in 1986 and has since become a leader in the field of automotive in Israel. The magazine provides in-depth reviews, vehicle comparisons, news and road tests of new and used cars. And that's not all. the Auto website also provides pre-purchase consulting services for new or pre-owned cars. Over the years, Auto has expanded itself to digital media, and at present, it continues to lead with quality content for car enthusiasts, drivers and buyers.

Innovation, Growth, and Technological Agility - A Snapshot of Our 2025 Performance

Driving Financial Success in Israel

Direct Finance, publicly traded on the Tel Aviv Stock Exchange, stands at the forefront of Israel’s consumer credit market. Our dual expertise in facilitating car purchase loans and providing competitive mortgage options sets us apart as a beacon of financial innovation and strength. Our commitment to advancing solutions and technological agility has fueled an impressive annual growth rate of approximately 13.8% over the past four years*.

*CAGR of the net profit in the years 2021-2025.

2025 at a Glance*: Steady Growth and Expansion

• Loan Portfolio Surge: Our balance sheet reflects a moderate increase, with the loan portfolio escalating to an estimated $2,267 million Q1 2025 from $2,116 million in Q1 2024. • Lending Volume: From January to March 2025, we’ve provided loans totaling $633 thousand, marking a 10.67% increase over the same period last year. • Interest and linkage income from loans grew by 10% compared to the corresponding quarter last year and stood at approximately $53 million in Q1 2025. • Credit loss expenses - A 17% improvement in credit loss expenses in the Q1 2025, which amounted to approximately $12 million, compared to the corresponding quarter last year.

* The data is presented according to the dollar-shekel exchange rate as of March 31, 2025.

Key financial metrics*

Metric
Q1 2025
Q1 2024
In USD thousands
Change
Revenue
80,302
86,952
-7.65%
Net Income
5,575
12,435
-55.17%
Equity
369,936
355,431
4.08%
Dividend Yield**
3.03%
7.10%
-57.35%

*The data is presented according to the dollar-shekel exchange rate as of March 31, 2025.
**Calculated as the dividend disturbed in the relevant quarter divided to the average stock price of the quarter.

Mortgage Momentum

In the third quarter of 2022, We proudly unveiled our mortgage division, setting a new standard in the market with our tailored financial solutions. We've seen exponential growth, a testament to our market-responsive offerings. From January to March 2025 the mortgage division net income was 2.33 million, while in the corresponding period the mortgage division was 1.16 million.