MIND CTI LTD (MNDO) Fundamental Analysis & Valuation

NASDAQ:MNDO • IL0010851827

1.25 USD
+0.02 (+1.63%)
Last: Mar 6, 2026, 08:00 PM
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This MNDO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

Taking everything into account, MNDO scores 5 out of 10 in our fundamental rating. MNDO was compared to 276 industry peers in the Software industry. MNDO gets an excellent profitability rating and is at the same time showing great financial health properties. MNDO has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

7

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 2M 4M 6M

1.2 Ratios

  • MNDO has a Return On Assets of 9.85%. This is amongst the best in the industry. MNDO outperforms 84.78% of its industry peers.
  • The Return On Equity of MNDO (13.04%) is better than 77.54% of its industry peers.
  • MNDO has a Return On Invested Capital of 8.21%. This is amongst the best in the industry. MNDO outperforms 80.43% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for MNDO is above the industry average of 10.72%.
  • The 3 year average ROIC (14.28%) for MNDO is well above the current ROIC(8.21%). The reason for the recent decline needs to be investigated.
Industry RankSector Rank
ROA 9.85%
ROE 13.04%
ROIC 8.21%
ROA(3y)16.03%
ROA(5y)16.53%
ROE(3y)20.79%
ROE(5y)22.14%
ROIC(3y)14.28%
ROIC(5y)15.72%
MNDO Yearly ROA, ROE, ROICMNDO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • With an excellent Profit Margin value of 14.63%, MNDO belongs to the best of the industry, outperforming 80.43% of the companies in the same industry.
  • MNDO's Profit Margin has been stable in the last couple of years.
  • Looking at the Operating Margin, with a value of 13.15%, MNDO is in the better half of the industry, outperforming 79.35% of the companies in the same industry.
  • MNDO's Operating Margin has declined in the last couple of years.
  • MNDO's Gross Margin of 51.10% is on the low side compared to the rest of the industry. MNDO is outperformed by 67.75% of its industry peers.
  • In the last couple of years the Gross Margin of MNDO has declined.
Industry RankSector Rank
OM 13.15%
PM (TTM) 14.63%
GM 51.1%
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%
MNDO Yearly Profit, Operating, Gross MarginsMNDO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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8

2. MNDO Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), MNDO is creating some value.
  • MNDO has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for MNDO has been increased compared to 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 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 10M 20M 30M

2.2 Solvency

  • MNDO has an Altman-Z score of 3.30. This indicates that MNDO is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of MNDO (3.30) is better than 66.67% of its industry peers.
  • There is no outstanding debt for MNDO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.3
ROIC/WACC0.93
WACC8.85%
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 5M 10M 15M 20M

2.3 Liquidity

  • MNDO has a Current Ratio of 3.53. This indicates that MNDO is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 3.53, MNDO is in the better half of the industry, outperforming 77.54% of the companies in the same industry.
  • MNDO has a Quick Ratio of 3.53. This indicates that MNDO is financially healthy and has no problem in meeting its short term obligations.
  • The Quick ratio of MNDO (3.53) is better than 77.90% of its industry peers.
Industry RankSector Rank
Current Ratio 3.53
Quick Ratio 3.53
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 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

  • The earnings per share for MNDO have decreased strongly by -39.10% in the last year.
  • The Earnings Per Share has been decreasing by -2.09% on average over the past years.
  • Looking at the last year, MNDO shows a decrease in Revenue. The Revenue has decreased by -9.54% in the last year.
  • MNDO shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.10% yearly.
EPS 1Y (TTM)-39.1%
EPS 3Y-9.14%
EPS 5Y-2.09%
EPS Q2Q%-17.75%
Revenue 1Y (TTM)-9.54%
Revenue growth 3Y-6.61%
Revenue growth 5Y-1.1%
Sales Q2Q%-7.43%

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 5M 10M 15M 20M 25M

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Find the best growth stocksShow best growing peers

5

4. MNDO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.93, which indicates a very decent valuation of MNDO.
  • MNDO's Price/Earnings ratio is rather cheap when compared to the industry. MNDO is cheaper than 91.67% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of MNDO to the average of the S&P500 Index (26.29), we can say MNDO is valued rather cheaply.
Industry RankSector Rank
PE 8.93
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MNDO indicates a rather cheap valuation: MNDO is cheaper than 98.55% of the companies listed in the same industry.
  • 93.12% 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 8.33
EV/EBITDA 1.84
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 18.33%, which is a nice return.
  • MNDO's Dividend Yield is rather good when compared to the industry average which is at 0.58. MNDO pays more dividend than 99.64% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, MNDO pays a better dividend.
Industry RankSector Rank
Dividend Yield 18.33%

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
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

  • 155.60% of the earnings are spent on dividend by MNDO. 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.
DP155.6%
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 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 (3/6/2026, 8:00:02 PM)

1.25

+0.02 (+1.63%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-11
Earnings (Next)03-11
Inst Owners8.55%
Inst Owner Change-3.15%
Ins Owners15.4%
Ins Owner ChangeN/A
Market Cap25.46M
Revenue(TTM)19.77M
Net Income(TTM)2.89M
Analysts0
Price TargetN/A
Short Float %0.01%
Short Ratio0.04
Dividend
Industry RankSector Rank
Dividend Yield 18.33%
Yearly Dividend0.24
Dividend Growth(5Y)-1.37%
DP155.6%
Div Incr Years0
Div Non Decr Years1
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 8.93
Fwd PE N/A
P/S 1.29
P/FCF 8.33
P/OCF 8.28
P/B 1.15
P/tB 2.36
EV/EBITDA 1.84
EPS(TTM)0.14
EY11.2%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.15
FCFY12.01%
OCF(TTM)0.15
OCFY12.08%
SpS0.97
BVpS1.09
TBVpS0.53
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.85
Profitability
Industry RankSector Rank
ROA 9.85%
ROE 13.04%
ROCE 10.39%
ROIC 8.21%
ROICexc 16.38%
ROICexgc 179.08%
OM 13.15%
PM (TTM) 14.63%
GM 51.1%
FCFM 15.46%
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-Score5
Asset Turnover0.67
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 8.06%
Cap/Sales 0.1%
Interest Coverage 250
Cash Conversion 108.04%
Profit Quality 105.71%
Current Ratio 3.53
Quick Ratio 3.53
Altman-Z 3.3
F-Score5
WACC8.85%
ROIC/WACC0.93
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)-39.1%
EPS 3Y-9.14%
EPS 5Y-2.09%
EPS Q2Q%-17.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.54%
Revenue growth 3Y-6.61%
Revenue growth 5Y-1.1%
Sales Q2Q%-7.43%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-38.15%
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-35.78%
FCF growth 3Y-15.57%
FCF growth 5Y-9.15%
OCF growth 1Y-36.29%
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.


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.


How profitable is MIND CTI LTD (MNDO) stock?

MIND CTI LTD (MNDO) has a profitability rating of 7 / 10.


What are the PE and PB ratios of MIND CTI LTD (MNDO) stock?

The Price/Earnings (PE) ratio for MIND CTI LTD (MNDO) is 8.93 and the Price/Book (PB) ratio is 1.15.


How sustainable is the dividend of MIND CTI LTD (MNDO) stock?

The dividend rating of MIND CTI LTD (MNDO) is 5 / 10 and the dividend payout ratio is 155.6%.