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MIND C.T.I. Ltd MNDO TECH

Technology · Software - Application · Israel
https://mindcti.com
Company Profile ↓
$1.00
-7.41% 1Y
Mkt Cap$20.19M
P/E6.25
P/B0.86
Div. Yield18.33%
52W High$1.26
52W Low$0.88
Book Value$1.20
EPS (TTM)$0.16

Company Overview

MIND C.T.I. Ltd., together with its subsidiaries, develops, manufactures, markets, sells, and implements billing and customer care software solutions in the Americas, Europe, Israel, the Asia Pacific, and Africa. It operates in two segments, Billing and Related Services, and Messaging. The company offers billing and customer care solutions that support various services, such as voice, data, and content services, as well as prepaid, postpaid, and pay-in-advance payment models in a single platform. Its solutions also include a workflow engine to support the implementation of business processes, including subscriber registration, order management, trouble ticket, and debt collection; and a point-of-sale solution that covers dealer, store and cashier management, and sales cycle related activities, as well as UC analytics solutions and call accounting systems. In addition, the company offers professional services comprising turnkey project delivery, customer support and maintenance, integration, customizations, and project management; and managed services, including day to day billing operational tasks. Further, it provides PhonEX ONE, a call management system that collects, records, and stores call information, which is used by organizations for telecom expense management, call accounting, traffic analysis, and fraud detection; and a mobile messaging platform. The company offers its products directly, as well as through distributors and resellers primarily to communication service providers, such as traditional wireline and wireless, voice over IP, broadband IP network operators, wireless internet service providers, LTE operators and 5G carriers, and mobile virtual network operators. MIND C.T.I. Ltd. was incorporated in 1995 and is headquartered in Yokneam Illit, Israel.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 6.2, below the sector median of 29.2.

Healthy Margins

Maintains a net profit margin of 16.9%.

Dividend Income

Offers a dividend yield of 18.33%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $19.46M (-9.3% YoY); net profit $2.60M.
  • Trailing 12 Months Year-on-year growth — revenue -3.0%, earnings +92.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR -3.4%, profit CAGR -21.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-3.35%
1 Year:-3.00%

Compounded Profit Growth

5 Years:-21.03%
1 Year:92.30%

Stock Price Performance

1 Year:-7.41%
6 Months:-19.35%
3 Months:+8.70%
1 Month:-1.96%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 32% of range
$0.88 $1.26
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)48.33 · Neutral
Price Performance
1M-1.96%
3M+8.70%
6M-19.35%
1Y-7.41%
Valuation vs Sector

P/E of 6.25 is below the sector median of 29.22 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 18.33%.
  • Generates positive free cash flow.

CONS

  • Revenue declined at -3.4% CAGR over 5 years.
  • Earnings shrank at -21.0% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
6.25
Industry PE
29.22
Forward P/E est.
3.25
PEG Ratio
2.23
Book Value
$1.20
Price to Book
0.86
P/S
1.07
EV/EBITDA
2.53
Dividend Yield
18.33%

Growth (CAGR)

Revenue 5Y
-3.35%
Profit 5Y
-21.03%
Revenue (YoY)
-3.00%
Earnings (YoY)
92.30%

Profitability & Returns

ROCE
8.03%
ROE
14.38%
ROA
6.46%
Profit Margin
16.87%
Op Margin
14.96%
Gross Margin
54.40%
EPS (Latest Qtr)
$0.04
EPS (TTM)
$0.16

Balance Sheet & Liquidity

Debt/Equity
3.31
Quick Ratio
4.35
Current Ratio
4.66
Debt
$798.00K
Total Assets
$30.62M
Current Assets
$16.98M
Working Capital
$11.89M

Ownership

Promoter Holding
22.03%
Chg in Prom Hold
-
FII / Inst Holding
8.09%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
$20.19M
Total Revenue (TTM)
$19.41M
EBITDA
$3.31M
Free Cash Flow
$1.70M
Operating Cash Flow
$3.11M
Shares Outstanding
20.19M
Gross Margin
54.40%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MNDO MIND C.T.I. Ltd TECH 1.00 6.25 $20.19M 18.33% 8.03% 14.38% -3.35% -21.03%
2 NVDA NVIDIA Corporation NDXSPXR3KAITECH 225.73 28.50 $5.45T 0.46% 74.66% 117.21% 24.64% 32.12%
3 AAPL Apple Inc. NDXSPXR3KTECH 316.22 36.22 $4.61T 0.34% 68.72% 148.75% 1.81% 3.92%
4 MSFT Microsoft Corporation NDXSPXR3KAITECH 493.95 27.49 $3.67T 0.79% 26.33% 34.04% 9.93% 11.90%
5 TSM Taiwan Semiconductor Manufacturing Company Limited AITECH 439.00 32.71 $2.28T 0.95% 30.20% 39.97% 18.94% 19.57%
6 AVGO Broadcom Inc. NDXSPXR3KAITECH 368.56 46.95 $1.75T 0.71% 16.70% 44.25% 17.04% 54.08%
7 MU Micron Technology, Inc. NDXSPXR3KAITECH 1,000.26 22.59 $1.13T 0.05% 13.69% 66.64% 13.68% 26.02%
8 AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH 505.74 128.36 $825.61B 0.00% 5.47% 10.20% 11.81% 66.28%
9 ASML ASML Holding N.V. NDXAITECH 1,764.85 59.89 $677.88B 0.51% 42.97% 53.94% 15.55% 19.55%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 5.00M4.75M4.82M4.89M5.08M
Cost of Revenue 2.49M2.60M2.27M2.18M2.35M
Gross Profit 2.51M2.15M2.55M2.71M2.74M
Operating Expenses 2.14M1.88M1.91M1.90M1.82M
Operating Income 370.00K266.00K644.00K806.00K920.00K
EBITDA 444.00K345.00K693.00K874.00K989.00K
Interest Expense -----
Pretax Income 544.00K517.00K761.00K945.00K990.00K
Tax Provision 54.00K34.00K80.00K-5.00K122.00K
Net Income 490.00K483.00K681.00K950.00K868.00K
Diluted EPS 0.020.020.030.050.04

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -21.55M21.61M21.45M19.46M
Cost of Revenue -10.04M10.75M10.71M9.54M
Gross Profit -11.51M10.87M10.74M9.92M
Operating Expenses -5.98M6.12M6.36M7.83M
Operating Income -5.52M4.75M4.38M2.09M
EBITDA -5.72M4.95M4.56M2.36M
Interest Expense 060.00K---
Pretax Income -5.62M5.53M4.96M2.77M
Tax Provision -330.00K359.00K334.00K163.00K
Net Income -5.29M5.17M4.63M2.60M
Diluted EPS -0.260.250.220.13

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -31.74M31.62M30.70M30.17M
Current Assets -20.30M19.71M18.92M16.08M
Cash & Equivalents -5.26M2.96M4.45M8.12M
Inventory -----
Receivables -2.36M2.29M2.50M1.71M
Total Liabilities -7.94M7.14M6.41M7.12M
Current Liabilities -5.17M4.47M3.27M4.20M
Long Term Debt -----
Total Debt -886.00K642.00K825.00K929.00K
Total Equity -23.81M24.49M24.30M23.05M
Shares Outstanding -21.66M21.66M21.66M21.66M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -4.56M4.10M4.11M3.99M
Investing Cash Flow -1.83M-1.54M2.29M4.27M
Financing Cash Flow --5.23M-4.84M-4.87M-4.63M
Capital Expenditure --130.00K-64.00K-10.00K-27.00K
Free Cash Flow -4.43M4.04M4.10M3.96M
Net Change in Cash -1.16M-2.28M1.54M3.63M

Ratios (Annual)

Figures in %.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -53.4%50.3%50.1%51.0%
Operating Margin % -25.6%22.0%20.4%10.7%
Net Margin % -24.5%23.9%21.6%13.4%
ROE % -22.2%21.1%19.1%11.3%
ROCE % -20.8%17.5%16.0%8.0%

Shareholding Pattern

Insiders
22.03%
Institutions
8.09%
Public Float
10.37%

Top Institutional Holders

#Holder% HeldSharesValue
1 Morgan Stanley 4.53% 913.89K $941.30K
2 Acadian Asset Management. LLC 0.96% 193.21K $199.00K
3 Glenorchy Capital Ltd 0.80% 160.51K $165.33K
4 Citadel Advisors Llc 0.64% 129.14K $133.02K
5 RBF Capital, LLC 0.37% 74.92K $77.16K
6 Renaissance Technologies, LLC 0.29% 57.95K $59.69K
7 BNP Paribas Financial Markets 0.21% 41.47K $42.71K
8 Xtx Topco Ltd 0.11% 21.49K $22.14K
9 LPL Financial LLC 0.05% 10.90K $11.23K
10 Centiva Capital, LP 0.05% 10.39K $10.70K

Analyst View

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Latest News

Recent headlines for MNDO

Google News Mon, 11 May 2026

Q1 profit rises for MIND CTI, but key customer plans exit - Stock Titan

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Google News ue, 26 May 2026

MNDO - Finviz

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Google News hu, 13 Nov 2025

MIND C.T.I. Ltd (NASDAQ: MNDO) — Cash-Rich Micro-Cap Software Stock Trading at Deep Value - The Acquirer's Multiple

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Google News ue, 10 Mar 2026

MIND C.T.I. Ltd. Reports Q4 and Full Year 2025 Financial Results Amidst Challenging Market Conditions - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxOZ0gzcE1kU0Y2cUV2em1FWGF4X1F2cFNYMWRNbHllQ3EySy0zUnk4TFJUTVUyNmdJNDdabGgzNlBBU3ZHNjZoRGVSSTlOU0lIVzZDNVZBbURPWE9uSHpDWEIza3R4WGh6T2xJVlphQW10eGk4S1RibGx1c1o2U2dkcXNadndpdUlCRHBmX3…

Google News hu, 26 Mar 2026

There May Be Reason For Hope In MIND C.T.I's (NASDAQ:MNDO) Disappointing Earnings - simplywall.st

<a href="https://news.google.com/rss/articles/CBMixgFBVV95cUxPVlRqQjlOQVhXTTA5SGJ3SndLR0dIWDJyM3hMR192emNCU1pXX24tTUZvWFp0T1BtSEFsQmZyd3pNZkJ3aFBOc2tvMXFBaGJZTWlWZEpjakMwUUFNVUdUaDhOWm1NRmYtcGFMcmE5Wmg2bVY0cWRGQmdXNlJmQ05ya0owWXZacG8xM2VKQ2…

Google News Mon, 17 Aug 2026

MIND CTI (NASDAQ: MNDO) VP of IT sells 10,000 vested options - Stock Titan

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MNDO — Frequently Asked Questions

What is the current share price of MIND C.T.I. Ltd (MNDO)?

As of 2026-09-19 21:16 PDT, MIND C.T.I. Ltd (MNDO) trades at $1.00 on NasdaqGM. Its 52-week range is $0.88 to $1.26.

What is the market capitalisation of MNDO?

MIND C.T.I. Ltd (MNDO) has a market capitalisation of $20.19M on NasdaqGM.

What is the P/E ratio of MNDO?

MNDO trades at a trailing price-to-earnings (P/E) ratio of 6.25. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 0.86.

Does MNDO pay a dividend?

MIND C.T.I. Ltd (MNDO) currently offers a dividend yield of 18.33%.

What is the return on equity (ROE) of MNDO?

MNDO has a return on equity (ROE) of 14.38%. Its return on capital employed (ROCE) is 8.03%.

Is MNDO a good stock to buy?

This page provides a data-driven analysis of MIND C.T.I. Ltd (MNDO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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