MIND CTI (MNDO) AI Stock Analysis

• Market Cap: $33.10M
• Dividend Yield: 15.88%
• Average Volume (3M): 92.83K
• Price to Earnings (P/E): 7.5
• Beta (1Y): 0.38
• Revenue Growth: -5.54%
• EPS Growth: -27.40%
• Country: US
• Employees: 136
• Sector: Technology
• Sector Strength: 65
• Industry: Software - Application
• EPS (TTM): 0.02
• Shares Outstanding: 20,366,325
• 10 Day Avg. Volume: 15,596
• 30 Day Avg. Volume: 92,835
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 0.68
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 2.10
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

MIND CTI presents a mixed picture. Financial stability is strong with low debt and robust cash flows, but declining revenues and profit margins pose challenges. Technical analysis indicates bearish momentum, while valuation is highly attractive with low P/E and high dividend yield. The overall score reflects these strengths and weaknesses, emphasizing the need for revenue growth and cautious interpretation of technical indicators.

MIND CTI Business Overview & Revenue Model

Company Description

MIND CTI Ltd. (MNDO) is a leading provider of billing and customer care solutions, primarily serving the telecommunications industry. The company offers comprehensive software solutions that cater to the operational needs of mobile, wireline, and IP service providers. These solutions help businesses manage their billing processes, enhance customer relationships, and streamline operations to improve efficiency and profitability.

How the Company Makes Money

MIND CTI makes money primarily through the sale and licensing of its billing and customer care software solutions. The company's revenue model includes software licenses, which provide customers with the right to use their solutions, and recurring maintenance and support fees, ensuring ongoing service and updates. Additionally, MIND CTI generates income through professional services, including implementation, customization, and consulting services that are integral to deploying and optimizing their software solutions. Key revenue streams are bolstered by long-term contracts with telecommunications providers and partnerships that expand their market reach and integration capabilities.

MIND CTI Financial Statement Overview

Summary

MIND CTI shows financial stability with a strong balance sheet, marked by a high equity ratio and low debt. However, declining revenue and profit margins present concerns. Cash flows are stable, but growth in cash reserves is limited, highlighting the need for revenue growth.

Income Statement

The income statement shows stable but declining revenue trends with revenue decreasing from $26.33M in 2021 to $21.45M in 2024. Gross profit margin remains healthy at 50.1% in 2024. However, the net profit margin is slightly declining, moving from 22.6% in 2021 to 21.6% in 2024, indicating some pressure on profitability.

Balance Sheet

The balance sheet reflects a strong equity position with an equity ratio of 79.1% in 2024, indicating financial stability. The debt-to-equity ratio is low at 0.03, suggesting minimal leverage and reduced financial risk. Return on equity has remained stable, providing consistent returns to shareholders.

Cash Flow

Cash flow analysis indicates robust operating cash flow, with a slight increase in free cash flow from $4.04M in 2023 to $4.10M in 2024. The operating cash flow to net income ratio remains healthy, reflecting efficient cash generation relative to net income. However, free cash flow growth has stagnated, indicating limited growth in cash reserves.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
21.45M	21.61M	21.55M	26.33M	23.37M
	Gross Profit
10.74M	10.87M	11.51M	13.88M	12.22M
	EBIT
4.38M	4.75M	5.52M	6.83M	5.46M
	EBITDA
4.56M	4.95M	5.72M	7.02M	5.66M
	Net Income Common Stockholders
4.63M	5.17M	5.29M	5.95M	5.38M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
15.75M	16.60M	17.48M	18.46M	17.02M
	Total Assets
30.70M	31.63M	31.74M	33.13M	32.42M
	Total Debt
825.00K	642.00K	886.00K	1.47M	1.84M
	Net Debt
-3.63M	-2.32M	-4.38M	-2.71M	-6.42M
	Total Liabilities
6.41M	7.14M	7.94M	9.40M	9.30M
	Stockholders Equity
24.30M	24.49M	23.81M	23.73M	23.12M
Cash Flow		Free Cash Flow
4.10M	4.04M	4.43M	6.82M	6.43M
	Operating Cash Flow
4.11M	4.10M	4.56M	6.90M	6.50M
	Investing Cash Flow
2.29M	-1.54M	1.83M	-5.69M	-34.00K
	Financing Cash Flow
-4.87M	-4.84M	-5.23M	-5.20M	-4.78M

MIND CTI Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.38
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNDO, the sentiment is Negative. The current price of 1.38 is below the 20-day moving average (MA) of 1.64, below the 50-day MA of 1.72, and below the 200-day MA of 1.75, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 18.95 is Positive, neither overbought nor oversold. The STOCH value of 6.37 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MNDO.

MIND CTI Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MNDO	69 Neutral	$33.10M	7.47	18.26%	15.88%	-5.54%	-27.40%
Sector *	60 Neutral	$10.96B	10.28	-6.73%	2.97%	7.74%	-12.45%
NTWK	55 Neutral	$27.87M	39.37	-2.43%	―	9.28%	60.89%
AWRE	53 Neutral	$33.96M	―	-16.05%	―	-9.72%	25.68%
AIXI	38 Underperform	$27.17M	―	544.07%	―	6.89%	6.39%
CNTM	28 Underperform	$10.30M	―	-108.59%	―	―	-85.24%