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MIND C.T.I. Ltd (MNDO)
NASDAQ:MNDO
US Market
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MIND CTI (MNDO) AI Stock Analysis

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MNDO

MIND CTI

(NASDAQ:MNDO)

Rating:71Outperform
Price Target:
$1.50
▲(25.00% Upside)
MIND CTI's strong financial stability and attractive valuation are major strengths, although challenges in revenue growth and profit margins limit its potential. The stock's neutral technical indicators suggest a stable outlook without significant momentum.

MIND CTI (MNDO) vs. SPDR S&P 500 ETF (SPY)

MIND CTI Business Overview & Revenue Model

Company DescriptionMIND 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 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 an integral point of sale solution that covers all dealer, store and cashier management, and sales cycle related activities. In addition, the company offers professional services comprising turnkey project delivery, customer support and maintenance, integration, customizations, and project management, as well as managed services, including day to day billing operational tasks to its billing and customer care customers. 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. 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, cable operators, and mobile virtual network operators. MIND C.T.I. Ltd. was incorporated in 1995 and is headquartered in Yokne'am Illit, Israel.
How the Company Makes MoneyMIND CTI generates revenue through multiple streams including the sale of software licenses, subscription fees for its VoIP and call center solutions, and ongoing support and maintenance services. The company also benefits from partnerships with telecommunications operators and service providers, which often include revenue-sharing agreements. Additionally, MIND CTI may earn income from consulting services provided to clients for system integration and customization, further diversifying its revenue sources.

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 levels. However, the income statement highlights declining revenues and slight pressure on profit margins. Cash flows are stable, but growth in cash reserves is limited.
Income Statement
65
Positive
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
78
Positive
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
70
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue20.16M21.45M21.61M21.55M26.33M23.37M
Gross Profit9.80M10.74M10.87M11.51M13.88M12.22M
EBITDA3.63M5.17M5.75M5.89M7.13M6.07M
Net Income3.14M4.63M5.17M5.29M5.95M5.38M
Balance Sheet
Total Assets29.11M30.70M31.63M31.74M33.13M32.42M
Cash, Cash Equivalents and Short-Term Investments11.35M15.75M16.60M17.48M18.46M17.02M
Total Debt1.03M825.00K642.00K886.00K1.47M1.84M
Total Liabilities7.66M6.41M7.14M7.94M9.40M9.30M
Stockholders Equity21.45M24.30M24.49M23.81M23.73M23.12M
Cash Flow
Free Cash Flow2.85M4.10M4.04M4.43M6.82M6.43M
Operating Cash Flow2.87M4.11M4.10M4.56M6.90M6.50M
Investing Cash Flow1.20M2.29M-1.54M1.83M-5.69M-34.00K
Financing Cash Flow-4.50M-4.87M-4.84M-5.23M-5.20M-4.78M

MIND CTI Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1.20
Price Trends
50DMA
1.32
Negative
100DMA
1.42
Negative
200DMA
1.61
Negative
Market Momentum
MACD
-0.04
Negative
RSI
41.26
Neutral
STOCH
69.61
Neutral
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 1.2 is above the 20-day moving average (MA) of 1.18, below the 50-day MA of 1.32, and below the 200-day MA of 1.61, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 41.26 is Neutral, neither overbought nor oversold. The STOCH value of 69.61 is Neutral, 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
$24.44M7.9114.42%18.33%-8.02%-39.67%
67
Neutral
$47.42M188.040.75%9.18%
61
Neutral
$35.09B8.26-10.59%1.90%8.56%-9.51%
55
Neutral
$46.89M-18.88%-17.18%-9.69%
$34.44M0.27
38
Underperform
$16.93M544.07%19.01%44.24%
28
Underperform
$356.53K-363.40%61.58%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
MNDO
MIND CTI
1.20
-0.47
-28.14%
AWRE
Aware
2.36
0.06
2.61%
NTWK
Netsol Technologies
3.97
1.26
46.49%
NUKK
Nukkleus
4.85
2.83
140.10%
CNTM
ConnectM Technology Solutions
0.03
-0.92
-96.84%
AIXI
Xiao-I Corp. ADR
1.48
-3.38
-69.55%
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.Date of analysis: Jul 26, 2025