MIND C.T.I. Ltd (MNDO)
NASDAQ:MNDO
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MIND CTI
(NASDAQ:MNDO)
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Rating:72Outperform
Price Target:
$1.00
▼(-20.63% Downside)
Action:Reiterated
Date:05/14/26
The score is driven primarily by solid fundamentals (notably a very strong, low-debt balance sheet) and attractive valuation (low P/E and very high dividend yield). These positives are offset by weak technicals, with the stock trading below major moving averages and bearish momentum indicators.
Positive Factors
Low leverage, strong balance sheet
Very low debt relative to equity provides durable financial flexibility: supports continued buybacks, funds technology investments or M&A without refinancing risk, and cushions earnings volatility from customer churn. This capital structure reduces long-term solvency risk and preserves optionality.
Negative Factors
Imminent loss of a major customer
A non-renewal by a major customer materially reduces revenue visibility and can remove a large portion of recurring maintenance income. Replacing that volume typically takes many quarters, pressuring top-line and potentially forcing pricing concessions or higher sales/marketing investment to regain scale.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage, strong balance sheet
Very low debt relative to equity provides durable financial flexibility: supports continued buybacks, funds technology investments or M&A without refinancing risk, and cushions earnings volatility from customer churn. This capital structure reduces long-term solvency risk and preserves optionality.
Read all positive factors
MIND CTI (MNDO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$18.11M
Dividend Yield18.97%
Average Volume (3M)29.20K
Price to Earnings (P/E)6.7
Beta (1Y)0.41
Revenue Growth-5.47%
EPS Growth-21.60%
CountryUS
Employees136
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)0.14
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 Cap0.84
Enterprise Value/Revenue0.78
Enterprise Value/Gross Profit1.50
Enterprise Value/Ebitda4.67
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
68
Positive
Balance Sheet
86
Very Positive
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.55M | 19.46M | 21.45M | 21.61M | 21.55M | 26.33M |
| Gross Profit | 10.15M | 9.92M | 10.74M | 10.87M | 11.51M | 13.88M |
| EBITDA | 3.27M | 2.36M | 5.17M | 5.75M | 5.89M | 7.13M |
| Net Income | 2.98M | 2.60M | 4.63M | 5.17M | 5.29M | 5.95M |
Balance Sheet | ||||||
| Total Assets | 30.62M | 30.17M | 30.70M | 31.63M | 31.74M | 33.13M |
| Cash, Cash Equivalents and Short-Term Investments | 13.96M | 13.55M | 15.75M | 16.60M | 17.48M | 18.46M |
| Total Debt | 854.00K | 929.00K | 825.00K | 642.00K | 886.00K | 1.47M |
| Total Liabilities | 6.97M | 7.12M | 6.41M | 7.14M | 7.94M | 9.40M |
| Stockholders Equity | 23.65M | 23.05M | 24.30M | 24.49M | 23.81M | 23.73M |
Cash Flow | ||||||
| Free Cash Flow | 4.00M | 3.96M | 4.10M | 4.04M | 4.43M | 6.82M |
| Operating Cash Flow | 4.02M | 3.99M | 4.11M | 4.10M | 4.56M | 6.90M |
| Investing Cash Flow | 1.41M | 4.27M | 2.29M | -1.54M | 1.83M | -5.69M |
| Financing Cash Flow | -4.90M | -4.63M | -4.87M | -4.84M | -5.23M | -5.20M |
MIND CTI Technical Analysis
Negative
1.26
Price Trends
1.08
Negative
1.14
Negative
1.14
Negative
Market Momentum
-0.05
Positive
27.82
Positive
11.48
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 0.99, above the 50-day MA of 1.08, and above the 200-day MA of 1.14, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 27.82 is Positive, neither overbought nor oversold. The STOCH value of 11.48 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 | $18.11M | 6.73 | 12.73% | 18.97% | -5.47% | -21.60% | |
72 Outperform | $48.10M | 7.70 | 4.81% | ― | 12.37% | 615.79% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
45 Neutral | $27.69M | -1.95 | -29.65% | ― | 3.00% | -51.43% | |
43 Neutral | $28.59M | -1.83 | 116.47% | ― | 213.59% | 80.01% | |
41 Neutral | $10.69M | -0.06 | 129.66% | ― | -82.43% | -299.27% |
* Technology Sector Average
MNDO
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MIND CTI Corporate Events
MIND CTI Posts Higher Profit in Q1 2026 as It Braces for Loss of Major Customer
May 11, 2026
On May 11, 2026, MIND CTI reported first-quarter 2026 results showing stable revenues of $5.1 million, up slightly from a year earlier, while operating income more than doubled to $0.9 million and net income rose to $0.9 million, or $0.04 per shar...
MIND C.T.I. Sets May 6, 2026 Shareholder Meeting to Vote on Board, Auditor
Mar 31, 2026
On March 31, 2026, MIND C.T.I. Ltd. filed a Form 6-K announcing its 2026 Annual General Meeting of Shareholders, scheduled for May 6, 2026, at its headquarters in Yoqneam Illit, Israel. Shareholders of record as of April 1, 2026 will vote on the r...
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.