MIND CTI LTD (MNDO) Stock Fundamental Analysis
USA - NASDAQ:MNDO - IL0010851827 - Common Stock
1.055 USD
+0 (+0.48%)
Taking everything into account, MNDO scores 5 out of 10 in our fundamental rating. MNDO was compared to 281 industry peers in the Software industry. MNDO gets an excellent profitability rating and is at the same time showing great financial health properties. MNDO is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
MNDO had positive earnings in the past year.
MNDO had a positive operating cash flow in the past year.
In the past 5 years MNDO has always been profitable.
MNDO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
MNDO's Return On Assets of 10.79% is amongst the best of the industry. MNDO outperforms 87.19% of its industry peers.
MNDO has a Return On Equity of 14.64%. This is amongst the best in the industry. MNDO outperforms 82.21% of its industry peers.
MNDO's Return On Invested Capital of 8.69% is amongst the best of the industry. MNDO outperforms 81.85% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MNDO is above the industry average of 11.95%.
The last Return On Invested Capital (8.69%) for MNDO is well below the 3 year average (14.28%), which needs to be investigated, but indicates that MNDO had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.79% | ||
| ROE | 14.64% | ||
| ROIC | 8.69% |
ROA(3y)16.03%
ROA(5y)16.53%
ROE(3y)20.79%
ROE(5y)22.14%
ROIC(3y)14.28%
ROIC(5y)15.72%
1.3 Margins
MNDO's Profit Margin of 15.58% is fine compared to the rest of the industry. MNDO outperforms 79.36% of its industry peers.
MNDO's Profit Margin has been stable in the last couple of years.
The Operating Margin of MNDO (13.38%) is better than 78.65% of its industry peers.
MNDO's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 48.65%, MNDO is not doing good in the industry: 69.04% of the companies in the same industry are doing better.
MNDO's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.38% | ||
| PM (TTM) | 15.58% | ||
| GM | 48.65% |
OM growth 3Y-7.68%
OM growth 5Y-1.7%
PM growth 3Y-1.51%
PM growth 5Y-0.71%
GM growth 3Y-1.7%
GM growth 5Y-1.98%
2. Health
2.1 Basic Checks
MNDO has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for MNDO has been increased compared to 1 year ago.
Compared to 5 years ago, MNDO has more shares outstanding
MNDO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
An Altman-Z score of 2.86 indicates that MNDO is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 2.86, MNDO perfoms like the industry average, outperforming 57.65% of the companies in the same industry.
MNDO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 2.86 |
ROIC/WACC0.97
WACC8.95%
2.3 Liquidity
MNDO has a Current Ratio of 3.25. This indicates that MNDO is financially healthy and has no problem in meeting its short term obligations.
With a decent Current ratio value of 3.25, MNDO is doing good in the industry, outperforming 78.65% of the companies in the same industry.
MNDO has a Quick Ratio of 3.25. This indicates that MNDO is financially healthy and has no problem in meeting its short term obligations.
With a decent Quick ratio value of 3.25, MNDO is doing good in the industry, outperforming 79.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.25 | ||
| Quick Ratio | 3.25 |
3. Growth
3.1 Past
The earnings per share for MNDO have decreased strongly by -41.14% in the last year.
MNDO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.09% yearly.
MNDO shows a decrease in Revenue. In the last year, the revenue decreased by -8.00%.
MNDO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.10% yearly.
EPS 1Y (TTM)-41.14%
EPS 3Y-9.14%
EPS 5Y-2.09%
EPS Q2Q%-53.4%
Revenue 1Y (TTM)-8%
Revenue growth 3Y-6.61%
Revenue growth 5Y-1.1%
Sales Q2Q%-9.83%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.03, the valuation of MNDO can be described as very cheap.
93.24% of the companies in the same industry are more expensive than MNDO, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of MNDO to the average of the S&P500 Index (26.28), we can say MNDO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | N/A |
4.2 Price Multiples
MNDO's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MNDO is cheaper than 99.29% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MNDO indicates a rather cheap valuation: MNDO is cheaper than 97.15% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.54 | ||
| EV/EBITDA | 0.52 |
4.3 Compensation for Growth
The decent profitability rating of MNDO may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 20.85%, MNDO is a good candidate for dividend investing.
MNDO's Dividend Yield is rather good when compared to the industry average which is at 41.10. MNDO pays more dividend than 99.64% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, MNDO pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 20.85% |
5.2 History
The dividend of MNDO decreases each year by -1.37%.
MNDO has paid a dividend for at least 10 years, which is a reliable track record.
MNDO has decreased its dividend recently.
Dividend Growth(5Y)-1.37%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
MNDO pays out 143.27% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of MNDO has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP143.27%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:MNDO (11/10/2025, 8:11:46 PM)
1.055
+0 (+0.48%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners8.84%
Inst Owner Change-4.79%
Ins Owners15.4%
Ins Owner ChangeN/A
Market Cap21.49M
Revenue(TTM)20.16M
Net Income(TTM)3.14M
Analysts0
Price TargetN/A
Short Float %0.02%
Short Ratio0.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 20.85% |
Yearly Dividend0.24
Dividend Growth(5Y)-1.37%
DP143.27%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | N/A | ||
| P/S | 1.07 | ||
| P/FCF | 7.54 | ||
| P/OCF | 7.49 | ||
| P/B | 1 | ||
| P/tB | 2.16 | ||
| EV/EBITDA | 0.52 |
EPS(TTM)0.15
EY14.22%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.14
FCFY13.26%
OCF(TTM)0.14
OCFY13.35%
SpS0.99
BVpS1.05
TBVpS0.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 10.79% | ||
| ROE | 14.64% | ||
| ROCE | 11% | ||
| ROIC | 8.69% | ||
| ROICexc | 16.19% | ||
| ROICexgc | 129.79% | ||
| OM | 13.38% | ||
| PM (TTM) | 15.58% | ||
| GM | 48.65% | ||
| FCFM | 14.14% |
ROA(3y)16.03%
ROA(5y)16.53%
ROE(3y)20.79%
ROE(5y)22.14%
ROIC(3y)14.28%
ROIC(5y)15.72%
ROICexc(3y)35.68%
ROICexc(5y)42.21%
ROICexgc(3y)213.76%
ROICexgc(5y)409.11%
ROCE(3y)18.07%
ROCE(5y)19.89%
ROICexgc growth 3Y-53.97%
ROICexgc growth 5Y-23.23%
ROICexc growth 3Y-20.86%
ROICexc growth 5Y-6.05%
OM growth 3Y-7.68%
OM growth 5Y-1.7%
PM growth 3Y-1.51%
PM growth 5Y-0.71%
GM growth 3Y-1.7%
GM growth 5Y-1.98%
F-Score3
Asset Turnover0.69
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 8.03% | ||
| Cap/Sales | 0.1% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 97.45% | ||
| Profit Quality | 90.74% | ||
| Current Ratio | 3.25 | ||
| Quick Ratio | 3.25 | ||
| Altman-Z | 2.86 |
F-Score3
WACC8.95%
ROIC/WACC0.97
Cap/Depr(3y)35.48%
Cap/Depr(5y)36.71%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.31%
Profit Quality(3y)83.5%
Profit Quality(5y)96.93%
High Growth Momentum
Growth
EPS 1Y (TTM)-41.14%
EPS 3Y-9.14%
EPS 5Y-2.09%
EPS Q2Q%-53.4%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8%
Revenue growth 3Y-6.61%
Revenue growth 5Y-1.1%
Sales Q2Q%-9.83%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-42.44%
EBIT growth 3Y-13.78%
EBIT growth 5Y-2.78%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.25%
FCF growth 3Y-15.57%
FCF growth 5Y-9.15%
OCF growth 1Y-41.07%
OCF growth 3Y-15.83%
OCF growth 5Y-9.24%
MIND CTI LTD / MNDO FAQ
Can you provide the ChartMill fundamental rating for MIND CTI LTD?
ChartMill assigns a fundamental rating of 5 / 10 to MNDO.
What is the valuation status of MIND CTI LTD (MNDO) stock?
ChartMill assigns a valuation rating of 5 / 10 to MIND CTI LTD (MNDO). This can be considered as Fairly Valued.
How profitable is MIND CTI LTD (MNDO) stock?
MIND CTI LTD (MNDO) has a profitability rating of 7 / 10.
Can you provide the dividend sustainability for MNDO stock?
The dividend rating of MIND CTI LTD (MNDO) is 5 / 10 and the dividend payout ratio is 143.27%.