MIND CTI LTD (MNDO) Stock Fundamental Analysis
USA - NASDAQ:MNDO - IL0010851827 - Common Stock
1.06 USD
+0.01 (+0.95%)
Taking everything into account, MNDO scores 5 out of 10 in our fundamental rating. MNDO was compared to 284 industry peers in the Software industry. Both the health and profitability get an excellent rating, making MNDO a very profitable company, without any liquidiy or solvency issues. MNDO has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year MNDO was profitable.
MNDO had a positive operating cash flow in the past year.
Each year in the past 5 years MNDO has been profitable.
In the past 5 years MNDO always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 10.79%, MNDO belongs to the top of the industry, outperforming 86.62% of the companies in the same industry.
The Return On Equity of MNDO (14.64%) is better than 82.39% of its industry peers.
MNDO's Return On Invested Capital of 8.69% is amongst the best of the industry. MNDO outperforms 81.69% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for MNDO is above the industry average of 11.85%.
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
With a decent Profit Margin value of 15.58%, MNDO is doing good in the industry, outperforming 79.23% of the companies in the same industry.
In the last couple of years the Profit Margin of MNDO has remained more or less at the same level.
With a decent Operating Margin value of 13.38%, MNDO is doing good in the industry, outperforming 78.52% of the companies in the same industry.
MNDO's Operating Margin has declined in the last couple of years.
The Gross Margin of MNDO (48.65%) is worse than 68.66% of its industry peers.
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so MNDO is still creating some value.
The number of shares outstanding for MNDO has been increased compared to 1 year ago.
The number of shares outstanding for MNDO has been increased compared to 5 years ago.
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.
2.2 Solvency
MNDO has an Altman-Z score of 2.86. This is not the best score and indicates that MNDO is in the grey zone with still only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 2.86, MNDO perfoms like the industry average, outperforming 57.04% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 2.86 |
ROIC/WACC0.97
WACC8.92%
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.
MNDO has a Current ratio of 3.25. This is in the better half of the industry: MNDO outperforms 78.52% of its industry peers.
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 78.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.25 | ||
| Quick Ratio | 3.25 |
3. Growth
3.1 Past
MNDO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.14%.
Measured over the past years, MNDO shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.09% on average per year.
The Revenue has decreased by -8.00% in the past year.
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
MNDO is valuated cheaply with a Price/Earnings ratio of 7.07.
Compared to the rest of the industry, the Price/Earnings ratio of MNDO indicates a rather cheap valuation: MNDO is cheaper than 94.01% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.67. MNDO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.07 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, MNDO is valued cheaply inside the industry as 99.30% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, MNDO is valued cheaply inside the industry as 97.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.58 | ||
| 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 20.37%, MNDO is a good candidate for dividend investing.
The stock price of MNDO dropped by -20.68% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 36.32, MNDO pays a better dividend. On top of this MNDO pays more dividend than 99.65% of the companies listed in the same industry.
MNDO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 20.37% |
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
143.27% 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.
DP143.27%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:MNDO (11/7/2025, 2:23:56 PM)
1.06
+0.01 (+0.95%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners8.84%
Inst Owner Change-4.9%
Ins Owners15.4%
Ins Owner ChangeN/A
Market Cap21.59M
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 | 20.37% |
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 | 7.07 | ||
| Fwd PE | N/A | ||
| P/S | 1.07 | ||
| P/FCF | 7.58 | ||
| P/OCF | 7.52 | ||
| P/B | 1.01 | ||
| P/tB | 2.17 | ||
| EV/EBITDA | 0.52 |
EPS(TTM)0.15
EY14.15%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.14
FCFY13.2%
OCF(TTM)0.14
OCFY13.29%
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
WACC8.92%
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%.