MIND CTI LTD (MNDO) Fundamental Analysis & Valuation

NASDAQ:MNDO • IL0010851827

Current stock price

1.11 USD
+0.01 (+0.91%)
Last:

This MNDO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. MNDO Profitability Analysis

1.1 Basic Checks

  • MNDO had positive earnings in the past year.
  • In the past year MNDO had a positive cash flow from operations.
  • In the past 5 years MNDO has always been profitable.
  • In the past 5 years MNDO always reported a positive cash flow from operatings.
MNDO Yearly Net Income VS EBIT VS OCF VS FCFMNDO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M

1.2 Ratios

  • MNDO's Return On Assets of 8.63% is amongst the best of the industry. MNDO outperforms 84.00% of its industry peers.
  • MNDO's Return On Equity of 11.30% is fine compared to the rest of the industry. MNDO outperforms 77.45% of its industry peers.
  • The Return On Invested Capital of MNDO (6.35%) is better than 76.00% of its industry peers.
  • MNDO had an Average Return On Invested Capital over the past 3 years of 10.92%. This is in line with the industry average of 10.99%.
  • The last Return On Invested Capital (6.35%) for MNDO is well below the 3 year average (10.92%), which needs to be investigated, but indicates that MNDO had better years and this may not be a problem.
Industry RankSector Rank
ROA 8.63%
ROE 11.3%
ROIC 6.35%
ROA(3y)13.35%
ROA(5y)14.94%
ROE(3y)17.15%
ROE(5y)19.75%
ROIC(3y)10.92%
ROIC(5y)13.76%
MNDO Yearly ROA, ROE, ROICMNDO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • MNDO's Profit Margin of 13.38% is fine compared to the rest of the industry. MNDO outperforms 79.64% of its industry peers.
  • MNDO's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 10.72%, MNDO is in the better half of the industry, outperforming 77.82% of the companies in the same industry.
  • MNDO's Operating Margin has declined in the last couple of years.
  • MNDO has a Gross Margin of 50.99%. This is in the lower half of the industry: MNDO underperforms 68.00% of its industry peers.
  • In the last couple of years the Gross Margin of MNDO has remained more or less at the same level.
Industry RankSector Rank
OM 10.72%
PM (TTM) 13.38%
GM 50.99%
OM growth 3Y-25.2%
OM growth 5Y-14.43%
PM growth 3Y-18.31%
PM growth 5Y-10.28%
GM growth 3Y-1.53%
GM growth 5Y-0.5%
MNDO Yearly Profit, Operating, Gross MarginsMNDO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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9

2. MNDO Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MNDO is still creating some value.
  • MNDO has about the same amout of shares outstanding than it did 1 year ago.
  • MNDO has more shares outstanding than it did 5 years ago.
  • MNDO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
MNDO Yearly Shares OutstandingMNDO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
MNDO Yearly Total Debt VS Total AssetsMNDO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

2.2 Solvency

  • MNDO has an Altman-Z score of 3.07. This indicates that MNDO is financially healthy and has little risk of bankruptcy at the moment.
  • With a decent Altman-Z score value of 3.07, MNDO is doing good in the industry, outperforming 66.18% 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.07
ROIC/WACC0.72
WACC8.81%
MNDO Yearly LT Debt VS Equity VS FCFMNDO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

2.3 Liquidity

  • A Current Ratio of 3.83 indicates that MNDO has no problem at all paying its short term obligations.
  • MNDO has a better Current ratio (3.83) than 80.73% of its industry peers.
  • MNDO has a Quick Ratio of 3.83. This indicates that MNDO is financially healthy and has no problem in meeting its short term obligations.
  • MNDO's Quick ratio of 3.83 is amongst the best of the industry. MNDO outperforms 81.09% of its industry peers.
Industry RankSector Rank
Current Ratio 3.83
Quick Ratio 3.83
MNDO Yearly Current Assets VS Current LiabilitesMNDO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. MNDO Growth Analysis

3.1 Past

  • MNDO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -42.73%.
  • The earnings per share for MNDO have been decreasing by -14.11% on average. This is quite bad
  • The Revenue has decreased by -9.27% in the past year.
  • MNDO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.60% yearly.
EPS 1Y (TTM)-42.73%
EPS 3Y-21.41%
EPS 5Y-14.11%
EPS Q2Q%-23.33%
Revenue 1Y (TTM)-9.27%
Revenue growth 3Y-3.35%
Revenue growth 5Y-3.6%
Sales Q2Q%-6.02%

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.
MNDO Yearly Revenue VS EstimatesMNDO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M

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5

4. MNDO Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.54, the valuation of MNDO can be described as reasonable.
  • Based on the Price/Earnings ratio, MNDO is valued cheaper than 90.18% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, MNDO is valued rather cheaply.
Industry RankSector Rank
PE 8.54
Fwd PE N/A
MNDO Price Earnings VS Forward Price EarningsMNDO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • MNDO's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MNDO is cheaper than 98.55% of the companies in the same industry.
  • 96.00% of the companies in the same industry are more expensive than MNDO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.71
EV/EBITDA 2.78
MNDO Per share dataMNDO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.2 0.4 0.6 0.8 1

4.3 Compensation for Growth

  • MNDO has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. MNDO Dividend Analysis

5.1 Amount

  • MNDO has a Yearly Dividend Yield of 18.80%, which is a nice return.
  • Compared to an average industry Dividend Yield of 0.67, MNDO pays a better dividend. On top of this MNDO pays more dividend than 99.64% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, MNDO pays a better dividend.
Industry RankSector Rank
Dividend Yield 18.8%

5.2 History

  • The dividend of MNDO decreases each year by -1.61%.
  • MNDO has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-1.61%
Div Incr Years0
Div Non Decr Years0
MNDO Yearly Dividends per shareMNDO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

  • MNDO pays out 172.89% of its income as dividend. This is not a sustainable payout ratio.
  • MNDO's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP172.89%
EPS Next 2YN/A
EPS Next 3YN/A
MNDO Yearly Income VS Free CF VS DividendMNDO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
MNDO Dividend Payout.MNDO Dividend Payout, showing the Payout Ratio.MNDO Dividend Payout.PayoutRetained Earnings

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MNDO Fundamentals: All Metrics, Ratios and Statistics

MIND CTI LTD

NASDAQ:MNDO (4/7/2026, 2:48:52 PM)

1.11

+0.01 (+0.91%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)03-11
Earnings (Next)05-04
Inst Owners8.28%
Inst Owner Change0%
Ins Owners15.4%
Ins Owner ChangeN/A
Market Cap22.61M
Revenue(TTM)19.46M
Net Income(TTM)2.60M
Analysts0
Price TargetN/A
Short Float %0.1%
Short Ratio0.45
Dividend
Industry RankSector Rank
Dividend Yield 18.8%
Yearly Dividend0.22
Dividend Growth(5Y)-1.61%
DP172.89%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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 RankSector Rank
PE 8.54
Fwd PE N/A
P/S 1.16
P/FCF 5.71
P/OCF 5.67
P/B 0.98
P/tB 1.93
EV/EBITDA 2.78
EPS(TTM)0.13
EY11.71%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.19
FCFY17.51%
OCF(TTM)0.2
OCFY17.63%
SpS0.96
BVpS1.13
TBVpS0.57
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.82
Profitability
Industry RankSector Rank
ROA 8.63%
ROE 11.3%
ROCE 8.03%
ROIC 6.35%
ROICexc 10.59%
ROICexgc 39.03%
OM 10.72%
PM (TTM) 13.38%
GM 50.99%
FCFM 20.35%
ROA(3y)13.35%
ROA(5y)14.94%
ROE(3y)17.15%
ROE(5y)19.75%
ROIC(3y)10.92%
ROIC(5y)13.76%
ROICexc(3y)24.12%
ROICexc(5y)36.02%
ROICexgc(3y)108.37%
ROICexgc(5y)344.86%
ROCE(3y)13.83%
ROCE(5y)17.42%
ROICexgc growth 3Y-31.2%
ROICexgc growth 5Y-20.27%
ROICexc growth 3Y-34.84%
ROICexc growth 5Y-21.4%
OM growth 3Y-25.2%
OM growth 5Y-14.43%
PM growth 3Y-18.31%
PM growth 5Y-10.28%
GM growth 3Y-1.53%
GM growth 5Y-0.5%
F-Score6
Asset Turnover0.64
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 10%
Cap/Sales 0.14%
Interest Coverage 250
Cash Conversion 169.19%
Profit Quality 152.04%
Current Ratio 3.83
Quick Ratio 3.83
Altman-Z 3.07
F-Score6
WACC8.81%
ROIC/WACC0.72
Cap/Depr(3y)16.01%
Cap/Depr(5y)31.71%
Cap/Sales(3y)0.16%
Cap/Sales(5y)0.28%
Profit Quality(3y)106.26%
Profit Quality(5y)103.43%
High Growth Momentum
Growth
EPS 1Y (TTM)-42.73%
EPS 3Y-21.41%
EPS 5Y-14.11%
EPS Q2Q%-23.33%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.27%
Revenue growth 3Y-3.35%
Revenue growth 5Y-3.6%
Sales Q2Q%-6.02%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-52.27%
EBIT growth 3Y-27.7%
EBIT growth 5Y-17.51%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-3.53%
FCF growth 3Y-3.68%
FCF growth 5Y-9.24%
OCF growth 1Y-3.11%
OCF growth 3Y-4.39%
OCF growth 5Y-9.32%

MIND CTI LTD / MNDO Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for MIND CTI LTD?

ChartMill assigns a fundamental rating of 5 / 10 to MNDO.


Can you provide the valuation status for MIND CTI LTD?

ChartMill assigns a valuation rating of 5 / 10 to MIND CTI LTD (MNDO). This can be considered as Fairly Valued.


Can you provide the profitability details for MIND CTI LTD?

MIND CTI LTD (MNDO) has a profitability rating of 6 / 10.


Is the dividend of MIND CTI LTD sustainable?

The dividend rating of MIND CTI LTD (MNDO) is 5 / 10 and the dividend payout ratio is 172.89%.