Investing in Market Savvy Minds
15 minutes stay.
2.63%
+
₪1,484,311
Latest Rate (in 0.01 NIS)
₪51,510
Opening Rate
₪50,190
Trade Volume
₪1,499,405
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
Let's Discuss the Figures
According to company policy*
Stock Price
15 minutes stay.
2.63%
+
₪1,484,311
Latest Rate (in 0.01 NIS)
₪51,510
Opening Rate
₪50,190
Trade Volume
₪1,499,405
We are thrilled to share our journey and milestones; from the moment we’ve conceived our groundbreaking idea until we’ve become one of Israel’s leading Nonbanking consumer credit companies
Our Team
Eran Golan
CEO
Eran Golan
CEO
Eran Golan joined Mimun Yashir's senior management in 2017 as VP of Business Development and Credit, later advancing to Deputy CEO of both Mimun Yashir and its subsidiary, Mimun Yashir Real Estate and Mortgages. In January 2024, he was appointed CEO of Mimun Yashir.
Oran Shkadi
CFO and Director of Financial Business Development
Oran Shkadi
CFO and Director of Financial Business Development
Oren Shkedi joined the senior management team of Mimun Yashir in 2010 and since then he has successfully led the company’s ongoing financial and accounting management team, as well as business development in these areas.
Shmulik Bar Chen
CEO of Mimun Yashir Mortgages
Shmulik Bar Chen
CEO of Mimun Yashir Mortgages
Shmulik Bar Chen began his career at Mimun Yashir right with its establishment in 2006. As one of the founding members of the management team, he was a key partner in transforming Mimun Yashir into one of the leading non-banking credit companies in Israel.
Ronit Peter Ben David
CTO
Ronit Peter Ben David
CTO
Ronit is part of the team leading Mimun Yashir, since its establishment in 2006. She is responsible for establishing the technological system and developing products and projects, while integrating new technologies, examining startup companies for the company’s technological system, etc.
Adam Shabo
CSO
Adam Shabo
CSO
Adam joined Mimun Yashir in 2010, after years as a statistics and mathematics lecturer. At Mimun Yashir, he took an active part in the company’s flagship projects, leading strategic business changes that upgraded the consumer credit sales domain in the automotive sector.
Liat Shmueli Lichtenstein
CHRO
Liat Shmueli Lichtenstein
CHRO
Liat Shmueli - Lichtenstein joined Direct Finance in 2008 and has been outlining the company’s human resources strategy and policy since then. In her position, she helps managers at all levels achieve their business goals through close quarters accompaniment and consulting, builds development plans, and ensures employee well-being. In parallel, she also manages the payroll and logistics departments.
Liraz Hakmon
CRO and Legal Advisor
Liraz Hakmon
CRO and Legal Advisor
Since joining Mimun Yashir in 2007, Liraz Hekmon has been an integral part of the team. Liraz started out in sales, where she set up the company's customer service center, sales support system, and back-office operations.
Kfir Amado
COO
Kfir Amado
COO
Kfir joined Mimun Yashir in 2009 and immediately stood out due to his unique ability to combine business vision, technological innovation, and a holistic view of the customer experience.
Liat Zan-Gazit
Internal auditor
Liat Zan-Gazit
Internal auditor
Liat is the internal auditor of the organization and of the companies in the group, including Tzur Shamir Holdings, Bitu’ach Yashir Financial Investments, Edgar Investments and Nima.
Vanessa Eyal
CMO
Vanessa Eyal
CMO
Vanessa joined Mimun Yashir’s senior management team as Vice President of Marketing, bringing over 25 years of experience in marketing, digital, and innovation.
Our Formula for Success
MEGA DATA
Our investment in AI technologies provide us with vehicle loans data that is unique in terms of scope and depth. With information form over 300K loans connecting cars, buyers and sellers, we boast a vast volume of information
KILLER PROCESS
We have developed the ability to identify weaknesses in the market’s existing solutions, and to formulate enhanced work processes in all company departments: sales, underwriting, finance, collection, customer service and operations
DISRUPTOR BY DNA
Human capital and entrepreneurial spirit are essential characteristics of all company employees. We work with a constant ambition to improve and upgrade every each and every element, from operational processes to strategic initiatives
Mimun Yashir Mortgage
Established in 2019 under CEO Eran Golan, Mimun Yashir Mortgages elevated the non-bank mortgages field by combining cutting-edge technology with enhanced service standards. Our success is built on expert distribution channel management, distinctive broker partnerships, secure credit management, and innovative underwriting approaches.
Growth in the managed mortgages portfolio
Mimun Yashir is the controlling owner of Mimun Yashir Mortgages along with Menora Mivtachim Group which holds 15% of its shares. Our operations are authorized by the Capital Markets, Insurance and Savings Authority. The mortgage portfolio comprises NIS 2,646 million in the company's retained portfolio and an outstanding balance of NIS 762 million in sold portfolios.
Development of Net Profit
Thus far, the Company has sold 3 mortgage portfolios in the Securitization Structure (February 2026, July 2025, December 2024). Furthermore, net profit was positively influenced as of Q3/25 from the position of the fair value of some of the loans that it had extended to its customers. As part of the securitization executed in February 2026, the Company also sold loans measured at fair value. Direct financing of A3.il rated mortgages with a positive outlook.
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 15.1% 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 continuous increase, with the loan portfolio escalating to an estimated $3,078 million in 2025 from $2,539 million in 2024. • Lending Volume: From January to December 2025, we’ve provided loans totaling $3,490 thousand, marking a 31.77% increase over the same period last year. • Interest and linkage income from loans stability in interest and linkage income to the corresponding period last year and stood at approximately $289 million in 2025. • Net Income: A 12% decrease in 2025 period income compared to the corresponding period last year
The data is presented according to us dollar-new Israeli shekel exchange rate as of December 31, 2025
Key financial metrics*
* CAGR of the net profit in the years 2023-2025.
** The data is presented according to us dollar-new Israeli shekel exchange rate as of December 31, 2025.
*** The data is presented according to us dollar- new Israeli shekel exchange rate as of December 31, 2025.
****Calculated as the dividend disturbed in the relevant quarter divided to the average stock price of the quarter
Mortgage Momentum
In the third quarter of 2022, we proudly unveiled our mortgage division, setting a new standard in the market with our tailored financial solutions. We've seen exponential growth, a testament to our market-responsive offerings. From January to December 2025 the mortgage division’s net income was 23.01$ million, while in the corresponding period the mortgage division’s net income was 16.3$ million.
More Information
Institutional: 24.65%
Public holdings: 31.28%
EmployeesAs of Dec 31, 2025, Group headcount totaled 764. This figure includes Company and investee employees (including those on maternity leave) and excludes outsourced personnel (Reflects actual headcount rather than budgeted positions).