MIND CTI LTD (MNDO) Stock Fundamental Analysis

NASDAQ:MNDO • IL0010851827

1.2 USD
0 (0%)
At close: Mar 2, 2026
1.22 USD
+0.02 (+1.67%)
After Hours: 3/2/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to MNDO. MNDO was compared to 276 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 it does not seem to be growing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • In the past year MNDO was profitable.
  • In the past year MNDO had a positive cash flow from operations.
  • Each year in the past 5 years MNDO has been profitable.
  • Each year in the past 5 years MNDO had a positive operating cash flow.
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.
  • MNDO has a better Return On Equity (13.04%) 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 80.80% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for MNDO is above the industry average of 10.80%.
  • The last Return On Invested Capital (8.21%) 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 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

  • MNDO has a Profit Margin of 14.63%. This is amongst the best in the industry. MNDO outperforms 80.07% of its industry peers.
  • MNDO's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of MNDO (13.15%) is better than 79.35% of its industry peers.
  • MNDO's Operating Margin has declined in the last couple of years.
  • MNDO has a worse Gross Margin (51.10%) than 67.75% of its industry peers.
  • MNDO's Gross Margin has declined in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), MNDO is 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.
  • 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 3.24. This indicates that MNDO is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of MNDO (3.24) is better than 66.67% of its industry peers.
  • 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 3.24
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

  • A Current Ratio of 3.53 indicates that MNDO has no problem at all paying its short term obligations.
  • The Current ratio of MNDO (3.53) is better than 77.54% of its industry peers.
  • 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. Growth

3.1 Past

  • MNDO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -39.10%.
  • 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.
  • Looking at the last year, MNDO shows a decrease in Revenue. The Revenue has decreased by -9.54% in the last year.
  • Measured over the past years, MNDO shows a decrease in Revenue. The Revenue has been decreasing by -1.10% on average per year.
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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.57, the valuation of MNDO can be described as very reasonable.
  • MNDO's Price/Earnings ratio is rather cheap when compared to the industry. MNDO is cheaper than 90.58% of the companies in the same industry.
  • MNDO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
Industry RankSector Rank
PE 8.57
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.
  • Based on the Price/Free Cash Flow ratio, MNDO is valued cheaper than 92.75% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8
EV/EBITDA 1.63
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

  • 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

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 18.33%, MNDO is a good candidate for dividend investing.
  • 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 been paying a dividend for at least 10 years, so it has 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

  • MNDO pays out 155.60% 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.
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

More info and screens

Find the best dividend stocksShow peers with best dividend

MIND CTI LTD

NASDAQ:MNDO (3/2/2026, 8:00:00 PM)

After market: 1.22 +0.02 (+1.67%)

1.2

0 (0%)

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 Cap24.44M
Revenue(TTM)19.77M
Net Income(TTM)2.89M
Analysts0
Price TargetN/A
Short Float %0.08%
Short Ratio0.39
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 8.57
Fwd PE N/A
P/S 1.24
P/FCF 8
P/OCF 7.94
P/B 1.1
P/tB 2.26
EV/EBITDA 1.63
EPS(TTM)0.14
EY11.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.15
FCFY12.51%
OCF(TTM)0.15
OCFY12.59%
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 3.24
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 8.57 and the Price/Book (PB) ratio is 1.1.


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%.