MIND C.T.I. Ltd (MNDO)
NASDAQ:MNDO
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MIND CTI
(NASDAQ:MNDO)
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Rating:72Outperform
Price Target:
$1.50
▲(19.05% Upside)
Action:ReiteratedDate:03/12/26
MNDO’s score is driven primarily by strong financial stability (low leverage and healthy cash generation) and attractive valuation (low P/E and high dividend yield). Offsetting these positives are deteriorating profitability/revenue trends in 2025 and weaker technical positioning with price below key moving averages and subdued momentum indicators.
Positive Factors
Conservative Balance Sheet
Very low leverage and a sizable equity base reduce solvency and refinancing risk. With debt-to-equity near 0.04 and a high balance-sheet score, the company has durable financial flexibility to fund technology work, execute buybacks, or absorb downturns without relying on external borrowing.
Negative Factors
Revenue Decline Trend
Top-line contraction—full-year revenue falling in 2025—erodes operating leverage and limits the firm’s ability to reinvest in product and sales. Sustained revenue decline constrains long-term growth prospects and increases reliance on balance-sheet liquidity or buybacks to support returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low leverage and a sizable equity base reduce solvency and refinancing risk. With debt-to-equity near 0.04 and a high balance-sheet score, the company has durable financial flexibility to fund technology work, execute buybacks, or absorb downturns without relying on external borrowing.
Read all positive factors
MIND CTI (MNDO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$23.02M
Dividend Yield18.97%
Average Volume (3M)29.20K
Price to Earnings (P/E)9.0
Beta (1Y)0.47
Revenue Growth-9.54%
EPS Growth-40.68%
CountryUS
Employees136
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.05
Shares Outstanding20,372,828
10 Day Avg. Volume40,871
30 Day Avg. Volume29,203
Financial Highlights & Ratios
PEG Ratio-0.21
Price to Book (P/B)1.02
Price to Sales (P/S)1.21
P/FCF Ratio5.94
Enterprise Value/Market Cap0.69
Enterprise Value/Revenue0.81
Enterprise Value/Gross Profit1.60
Enterprise Value/Ebitda5.46
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
MIND CTI Business Overview & Revenue Model
Company Description
MIND C.T.I. Ltd., together with its subsidiaries, designs, develops, markets, supports, implements, and operates billing and customer care systems in the Americas, Europe, Israel, the Asia Pacific, and Africa. It operates in two segments, Billing ...
How the Company Makes Money
MIND C.T.I. primarily makes money by selling and supporting software solutions for telecom billing and customer care. Revenue typically comes from (1) software license fees (or other forms of software usage rights), (2) implementation and integrat...
MIND CTI Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
86
Very Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 19.46M | 21.45M | 21.61M | 21.55M | 26.33M |
| Gross Profit | 9.92M | 10.74M | 10.87M | 11.51M | 13.88M |
| EBITDA | 2.36M | 5.17M | 5.75M | 5.89M | 7.13M |
| Net Income | 2.60M | 4.63M | 5.17M | 5.29M | 5.95M |
Balance Sheet | |||||
| Total Assets | 30.17M | 30.70M | 31.63M | 31.74M | 33.13M |
| Cash, Cash Equivalents and Short-Term Investments | 13.55M | 15.75M | 16.60M | 17.48M | 18.46M |
| Total Debt | 929.00K | 825.00K | 642.00K | 886.00K | 1.47M |
| Total Liabilities | 7.12M | 6.41M | 7.14M | 7.94M | 9.40M |
| Stockholders Equity | 23.05M | 24.30M | 24.49M | 23.81M | 23.73M |
Cash Flow | |||||
| Free Cash Flow | 3.96M | 4.10M | 4.04M | 4.43M | 6.82M |
| Operating Cash Flow | 3.99M | 4.11M | 4.10M | 4.56M | 6.90M |
| Investing Cash Flow | 4.27M | 2.29M | -1.54M | 1.83M | -5.69M |
| Financing Cash Flow | -4.63M | -4.87M | -4.84M | -5.23M | -5.20M |
MIND CTI Technical Analysis
Negative
1.26
Price Trends
1.18
Negative
1.18
Negative
1.21
Negative
Market Momentum
-0.01
Positive
36.41
Neutral
14.74
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 1.26 is above the 20-day moving average (MA) of 1.18, above the 50-day MA of 1.18, and above the 200-day MA of 1.21, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 36.41 is Neutral, neither overbought nor oversold. The STOCH value of 14.74 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for MNDO.
MIND CTI Risk Analysis
MIND CTI disclosed 33 risk factors in its most recent earnings report. MIND CTI reported the most risks in the "Tech & Innovation" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MIND CTI Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $23.02M | 9.04 | 12.73% | 18.97% | -9.54% | -40.68% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
59 Neutral | $40.53M | 36.21 | 5.21% | ― | 7.70% | -36.01% | |
55 Neutral | $32.44M | -4.76 | 86.81% | ― | 419.60% | 75.23% | |
46 Neutral | $28.30M | -6.67 | -21.18% | ― | 2.73% | 25.65% | |
39 Underperform | $1.76M | -0.28 | ― | ― | 19.01% | 44.24% |
* Technology Sector Average
MNDO
MIND CTI
1.13
-0.55
-32.74%
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MIND CTI Corporate Events
MIND CTI Posts Lower 2025 Earnings, Shifts to Share Buybacks as AGM Set for May 6
Mar 10, 2026
On March 10, 2026, Israel-based MIND CTI reported that fourth-quarter 2025 revenue fell to $4.9 million from $5.2 million a year earlier, with operating income dropping to $0.8 million and net income to $1.0 million, even as operating cash flow im...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.