MIND C.T.I. Ltd(MNDO)Earnings, Financials & Key Ratios
MNDO•NASDAQ
7.4× P/E·Price updated Jun 19, 2026
AboutMIND C.T.I. Ltd., together with its subsidiaries, designs, develops, markets, supports, implements, and operates billing and customer care systems in the Americas, Europe, Israel, the Asia Pacific, and Africa. It operates in two segments, Billing and Related Services and Messaging. The company offers billing and customer care solutions that support various services, such as voice, data, and content services, as well as prepaid, postpaid, and pay-in-advance payment models in a single platform. Its solutions also include a workflow engine to support the implementation of business processes, including subscriber registration, order management, trouble ticket, and debt collection; and an integral point of sale solution that covers all dealer, store and cashier management, and sales cycle related activities. In addition, the company offers professional services comprising turnkey project delivery, customer support and maintenance, integration, customizations, and project management, as well as managed services, including day to day billing operational tasks to its billing and customer care customers. Further, it provides PhonEX ONE, a call management system that collects, records, and stores call information, which is used by organizations for telecom expense management, call accounting, traffic analysis, and fraud detection. The company offers its products directly, as well as through distributors and resellers primarily to communication service providers, such as traditional wireline and wireless, voice over IP, broadband IP network operators, wireless internet service providers, LTE operators, cable operators, and mobile virtual network operators. MIND C.T.I. Ltd. was incorporated in 1995 and is headquartered in Yokne'am Illit, Israel.Show more
- Revenue$19M-9.3%
- EBITDA$2M-48.4%
- Net Income$3M-43.8%
- EPS (Diluted)0.13-43.5%
- Gross Margin50.99%+1.8%
- EBITDA Margin12.11%-43.1%
- Operating Margin10.72%-47.5%
- Net Margin13.38%-38.0%
- ROE11%-42.0%
MNDO Key Insights
MIND C.T.I. Ltd (MNDO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓FCF machine: 20.3% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Good 3Y average ROE of 17.1%
- ✓Healthy 5Y average net margin of 21.2%
- ✓Trading at only 0.9x book value
✗Weaknesses
- ✗Profits declining 13.5% over 5 years
- ✗Dividend payout exceeds 100% of earnings
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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MNDO Price & Volume
MIND C.T.I. Ltd (MNDO) stock price & volume — 10-year historical chart
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MNDO Growth Metrics
MIND C.T.I. Ltd (MNDO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-0.73%
5 Years-3.6%
3 Years-3.35%
TTM-5.47%
Profit CAGR
10 Years-6.35%
5 Years-13.52%
3 Years-21.03%
TTM-21.24%
EPS CAGR
10 Years-6.7%
5 Years-13.6%
3 Years-20.63%
TTM-21.18%
Return on Capital
10 Years19.52%
5 Years17.43%
3 Years13.84%
Last Year7.81%
MNDO Recent Earnings
MIND C.T.I. Ltd (MNDO) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
May 11, 2026Metric
Actual
Est
EPS
$0.04
—
Rev
$5M
—
Q2 2026
Mar 10, 2026Metric
Actual
Est
EPS
$0.05
—
Rev
$5M
—
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.03
—
Rev
$5M
—
Q3 2025
Aug 11, 2025Metric
Actual
Est
EPS
$0.02
—
Rev
$5M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 11, 2026 | $0.04 | $5M |
| Q2 2026 | Mar 10, 2026 | $0.05 | $5M |
| Q4 2025 | Nov 12, 2025 | $0.03 | $5M |
| Q3 2025 | Aug 11, 2025 | $0.02 | $5M |
Based on last 12 quarters of dataView full earnings history →
MNDO Peer Comparison
MIND C.T.I. Ltd (MNDO) competitors in Payments, billing and spend management — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 NTCT | 2.84B | 39.67 | 30.52 | 4.47% | 11.12% | 5.96% | 0.02 | |
 SHEN | 784.18M | 14.18 | -19.97 | 9.08% | -13.67% | -3.7% | 0.66 | |
 LQDT | 1.18B | 37.89 | 43.55 | 31.2% | 6.3% | 14.24% | 0.07 | |
 CSGS | 2.3B | 80.69 | 40.75 | 2.18% | 5.14% | 21.99% | 2.07 | |
 TTEC | 104.13M | 2.14 | -0.54 | -3.2% | -9.6% | -101.92% | 8.86 | |
 EVTC | 1.58B | 25.72 | 11.69 | 10.21% | 13.95% | 18.65% | 1.58 | |
 JKHY | 9.14B | 126.23 | 20.23 | 7.21% | 20.64% | 24.03% | ||
 CSCO | 471.16B | 119.54 | 46.88 | 5.3% | 19.69% | 25.14% | 0.60 |
Compare MNDO vs Peers
MIND C.T.I. Ltd (MNDO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
MNDO Income Statement
MIND C.T.I. Ltd (MNDO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Sales/Revenue | 18.06M | 18.14M | 22.66M | 23.37M | 26.33M | 21.55M | 21.61M | 21.45M | 19.46M | 19.55M |
Revenue Growth % | 0.06% | 0.4% | 24.97% | 3.13% | 12.65% | -18.15% | 0.28% | -0.77% | -9.27% | -5.47% |
Cost of Goods Sold | 7.03M | 6.15M | 10.13M | 11.15M | 12.45M | 10.04M | 10.75M | 10.71M | 9.54M | 9.39M |
COGS % of Revenue | 38.94% | 33.89% | 44.68% | 47.72% | 47.28% | 46.61% | 49.72% | 49.93% | 49.01% | - |
Gross Profit | 11.03M▲ 0% | 11.99M▲ 8.7% | 12.54M▲ 4.6% | 12.22M▼ 2.5% | 13.88M▲ 13.6% | 11.51M▼ 17.1% | 10.87M▼ 5.6% | 10.74M▼ 1.2% | 9.92M▼ 7.6% | 10.15M▲ 0% |
Gross Margin % | 61.06% | 66.11% | 55.32% | 52.28% | 52.72% | 53.39% | 50.28% | 50.07% | 50.99% | 51.94% |
Gross Profit Growth % | -1.71% | 8.7% | 4.58% | -2.53% | 13.58% | -17.1% | -5.57% | -1.19% | -7.6% | - |
Operating Expenses | 6.34M | 6.64M | 7.5M | 6.76M | 7.05M | 5.98M | 6.12M | 6.36M | 7.83M | 7.52M |
OpEx % of Revenue | 35.12% | 36.61% | 33.08% | 28.91% | 26.79% | 27.76% | 28.3% | 29.66% | 40.27% | - |
Selling, General & Admin | 2.93M | 2.89M | 3.31M | 2.79M | 3M | 2.49M | 2.58M | 2.97M | 3.78M | 3.37M |
SG&A % of Revenue | 16.2% | 15.95% | 14.61% | 11.96% | 11.41% | 11.54% | 11.93% | 13.84% | 19.45% | - |
Research & Development | 3.42M | 3.75M | 4.19M | 3.96M | 4.05M | 3.5M | 3.54M | 3.39M | 4.05M | 4.15M |
R&D % of Revenue | 18.92% | 20.66% | 18.47% | 16.95% | 15.37% | 16.22% | 16.37% | 15.81% | 20.82% | - |
Other Operating Expenses | 21K | 15K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Operating Income | 4.69M▲ 0% | 5.35M▲ 14.2% | 5.04M▼ 5.8% | 5.46M▲ 8.4% | 6.83M▲ 25.0% | 5.52M▼ 19.1% | 4.75M▼ 14.0% | 4.38M▼ 7.8% | 2.09M▼ 52.3% | 2.64M▲ 0% |
Operating Margin % | 25.94% | 29.5% | 22.24% | 23.37% | 25.93% | 25.63% | 21.97% | 20.41% | 10.72% | 13.49% |
Operating Income Growth % | -9.99% | 14.17% | -5.79% | 8.39% | 24.99% | -19.1% | -14.03% | -7.83% | -52.34% | - |
EBITDA | 4.79M | 5.43M | 5.19M | 5.66M | 7.02M | 5.72M | 4.95M | 4.56M | 2.36M | 2.9M |
EBITDA Margin % | 26.52% | 29.96% | 22.9% | 24.23% | 26.67% | 26.53% | 22.88% | 21.28% | 12.11% | 14.84% |
EBITDA Growth % | -10.75% | 13.44% | -4.47% | 9.09% | 24% | -18.58% | -13.5% | -7.72% | -48.37% | -21.93% |
D&A (Non-Cash Add-back) | 104K | 84K | 151K | 200K | 194K | 193K | 196K | 186K | 270K | 265K |
EBIT | 6.22M | 5.58M | 5.54M | 5.87M | 6.93M | 5.7M | 5.55M | 4.99M | 2.09M | 3M |
Net Interest Income | 239K | 301K | 370K | 232K | 61K | 237K | 710K | 726K | 681K | 577K |
Interest Income | 253K | 312K | 384K | 255K | 110K | 320K | 737K | 750K | 681K | 577K |
Interest Expense | 14K | 11K | 14K | 23K | 49K | 83K | 27K | 24K | 0 | 0 |
Other Income/Expense | 1.52M | 222K | 483K | 379K | 55K | 93K | 777K | 587K | 681K | 577K |
Pretax Income | 6.21M▲ 0% | 5.57M▼ 10.3% | 5.52M▼ 0.9% | 5.84M▲ 5.8% | 6.88M▲ 17.8% | 5.62M▼ 18.4% | 5.53M▼ 1.6% | 4.96M▼ 10.2% | 2.77M▼ 44.3% | 3.21M▲ 0% |
Pretax Margin % | 34.38% | 30.73% | 24.37% | 24.99% | 26.14% | 26.06% | 25.57% | 23.15% | 14.22% | 16.44% |
Income Tax | 597K | 438K | 458K | 459K | 936K | 330K | 359K | 334K | 163K | 231K |
Effective Tax Rate % | 9.62% | 7.86% | 8.29% | 7.86% | 13.6% | 5.88% | 6.5% | 6.73% | 5.89% | 7.19% |
Net Income | 5.61M▲ 0% | 5.13M▼ 8.5% | 5.07M▼ 1.3% | 5.38M▲ 6.3% | 5.95M▲ 10.5% | 5.29M▼ 11.1% | 5.17M▼ 2.3% | 4.63M▼ 10.4% | 2.6M▼ 43.8% | 2.98M▲ 0% |
Net Margin % | 31.07% | 28.31% | 22.35% | 23.03% | 22.59% | 24.53% | 23.91% | 21.59% | 13.38% | 15.26% |
Net Income Growth % | 33.52% | -8.52% | -1.34% | 6.28% | 10.48% | -11.1% | -2.27% | -10.39% | -43.76% | -21.24% |
Net Income (Continuing) | 5.61M | 5.13M | 5.07M | 5.38M | 5.95M | 5.29M | 5.17M | 4.63M | 2.6M | 2.98M |
Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EPS (Diluted) | 0.29▲ 0% | 0.26▼ 10.3% | 0.25▼ 3.8% | 0.27▲ 8.0% | 0.29▲ 7.4% | 0.26▼ 10.3% | 0.25▼ 3.8% | 0.23▼ 8.0% | 0.13▼ 43.5% | 0.15▲ 0% |
EPS Growth % | 31.82% | -10.34% | -3.85% | 8% | 7.41% | -10.34% | -3.85% | -8% | -43.48% | -21.18% |
EPS (Basic) | 0.29 | 0.27 | 0.26 | 0.27 | 0.30 | 0.26 | 0.26 | 0.23 | 0.13 | - |
Diluted Shares Outstanding | 19.56M | 19.56M | 19.96M | 20.14M | 20.27M | 20.4M | 20.47M | 20.58M | 20.63M | 20.45M |
Basic Shares Outstanding | 19.29M | 19.34M | 19.75M | 19.91M | 20.01M | 20.1M | 20.16M | 20.3M | 20.47M | 20.33M |
Dividend Payout Ratio | 110% | 112.95% | 99.92% | 88.71% | 87.39% | 98.87% | 93.65% | 105.14% | 172.89% | - |
MNDO Balance Sheet
MIND C.T.I. Ltd (MNDO) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Current Assets | 18.71M | 18.71M | 19.08M | 19.69M | 20.53M | 20.3M | 19.71M | 18.92M | 16.08M | 16.98M |
Cash & Short-Term Investments | 16.99M | 15.8M | 15.19M | 17.02M | 18.46M | 17.48M | 16.6M | 15.75M | 13.55M | 13.96M |
Cash Only | 5.01M | 2.74M | 6.48M | 8.26M | 4.18M | 5.26M | 2.96M | 4.45M | 8.12M | 3.69M |
Short-Term Investments | 11.98M | 13.07M | 8.71M | 8.76M | 14.28M | 12.21M | 13.65M | 11.3M | 5.44M | 10.27M |
Accounts Receivable | 2.08M | 2.69M | 3.66M | 2.4M | 1.95M | 2.54M | 2.64M | 2.76M | 1.71M | 2.21M |
Days Sales Outstanding | 42.07 | 54.14 | 58.93 | 37.52 | 27 | 43.05 | 44.57 | 46.91 | 32.13 | 42.59 |
Inventory | 4K | 4K | 4K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Days Inventory Outstanding | 0.21 | 0.24 | 0.14 | - | - | - | - | - | - | - |
Other Current Assets | 0 | 0 | 0 | 0 | 0 | 108K | 194K | 235K | 486K | 451K |
Total Non-Current Assets | 7.95M | 7.27M | 12.02M | 12.72M | 12.6M | 11.45M | 11.91M | 11.78M | 14.08M | 13.64M |
Property, Plant & Equipment | 202K | 164K | 1.46M | 1.93M | 1.64M | 1.17M | 906K | 1.02M | 1M | 922K |
Fixed Asset Turnover | 89.42x | 110.58x | 15.56x | 12.09x | 16.08x | 18.40x | 23.85x | 21.09x | 19.42x | 19.06x |
Goodwill | 5.43M | 5.43M | 7.91M | 8.14M | 7.93M | 7.79M | 7.87M | 7.73M | 9.96M | 9.87M |
Intangible Assets | 0 | 0 | 761K | 702K | 522K | 374K | 265K | 135K | 1.38M | 1.29M |
Long-Term Investments | 645K | 203K | 129K | 0 | 0 | 0 | 0 | 448K | 0 | 0 |
Other Non-Current Assets | 1.64M | 1.44M | 1.72M | 1.82M | 2.33M | 1.97M | 2.77M | 2.35M | 1.6M | 1.41M |
Total Assets | 26.66M▲ 0% | 25.98M▼ 2.6% | 31.09M▲ 19.7% | 32.42M▲ 4.3% | 33.13M▲ 2.2% | 31.74M▼ 4.2% | 31.63M▼ 0.4% | 30.7M▼ 2.9% | 30.17M▼ 1.7% | 30.62M▲ 0% |
Asset Turnover | 0.68x | 0.70x | 0.73x | 0.72x | 0.79x | 0.68x | 0.68x | 0.70x | 0.64x | 0.66x |
Asset Growth % | -8.06% | -2.57% | 19.7% | 4.25% | 2.2% | -4.19% | -0.37% | -2.92% | -1.75% | -9.66% |
Total Current Liabilities | 3.79M | 3.44M | 6.3M | 5.64M | 5.63M | 5.17M | 4.47M | 3.27M | 4.2M | 4.37M |
Accounts Payable | 113K | 147K | 1.65M | 1.28M | 839K | 937K | 989K | 769K | 546K | 702K |
Days Payables Outstanding | 5.86 | 8.73 | 59.51 | 41.82 | 24.6 | 34.05 | 33.59 | 26.21 | 20.9 | 26.05 |
Short-Term Debt | 0 | 0 | 292K | 346K | 0 | 0 | 0 | 188K | 255K | 257K |
Deferred Revenue (Current) | 3.56M | 1.79M | 1.89M | 2.11M | 2.15M | 1.99M | 1.52M | 849K | 1.96M | 7.85M |
Other Current Liabilities | 278K | 523K | 1.16M | 1.01M | 0 | 277K | 135K | 591K | 1.43M | 1.56M |
Current Ratio | 4.94x | 5.44x | 3.03x | 3.49x | 3.64x | 3.92x | 4.41x | 5.78x | 3.83x | 3.89x |
Quick Ratio | 4.93x | 5.44x | 3.03x | 3.49x | 3.64x | 3.92x | 4.41x | 5.78x | 3.83x | 3.89x |
Cash Conversion Cycle | 36.42 | 45.65 | -0.44 | - | - | - | - | - | - | 16.53 |
Total Non-Current Liabilities | 1.85M | 1.56M | 2.86M | 3.65M | 3.77M | 2.76M | 2.66M | 3.13M | 2.92M | 2.6M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Capital Lease Obligations | 0 | 0 | 983K | 1.49M | 1.1M | 615K | 424K | 637K | 674K | 2.65M |
Deferred Tax Liabilities | 0 | 0 | 0 | 211K | 157K | 112K | 80K | 40K | 413K | 1.77M |
Other Non-Current Liabilities | 1.71M | 1.52M | 1.77M | 1.86M | 2.36M | 1.93M | 2.06M | 2.35M | 1.6M | 1.41M |
Total Liabilities | 5.64M | 5M | 9.16M | 9.3M | 9.4M | 7.94M | 7.14M | 6.41M | 7.12M | 6.97M |
Total Debt | 0 | 0 | 1.27M | 1.84M | 1.47M | 886K | 642K | 825K | 929K | 854K |
Net Debt | -5.01M | -2.74M | -5.2M | -6.42M | -2.71M | -4.38M | -2.32M | -3.63M | -7.19M | -2.84M |
Debt / Equity | - | - | 0.06x | 0.08x | 0.06x | 0.04x | 0.03x | 0.03x | 0.04x | 0.04x |
Debt / EBITDA | - | - | 0.25x | 0.32x | 0.21x | 0.15x | 0.13x | 0.18x | 0.39x | 0.29x |
Net Debt / EBITDA | -1.05x | -0.50x | -1.00x | -1.13x | -0.39x | -0.77x | -0.47x | -0.79x | -3.05x | -0.98x |
Interest Coverage | 444.50x | 507.55x | 395.50x | 255.00x | 141.47x | 68.67x | 205.67x | 207.83x | - | - |
Total Equity | 21.02M▲ 0% | 20.98M▼ 0.2% | 21.94M▲ 4.5% | 23.12M▲ 5.4% | 23.73M▲ 2.6% | 23.81M▲ 0.3% | 24.49M▲ 2.9% | 24.3M▼ 0.8% | 23.05M▼ 5.1% | 23.65M▲ 0% |
Equity Growth % | -1.24% | -0.19% | 4.55% | 5.39% | 2.63% | 0.34% | 2.86% | -0.78% | -5.13% | 2.64% |
Book Value per Share | 1.07 | 1.07 | 1.10 | 1.15 | 1.17 | 1.17 | 1.20 | 1.18 | 1.12 | 1.16 |
Total Shareholders' Equity | 21.02M | 20.98M | 21.94M | 23.12M | 23.73M | 23.81M | 24.49M | 24.3M | 23.05M | 23.65M |
Common Stock | 54K | 54K | 54K | 54K | 54K | 54K | 54K | 54K | 54K | 54K |
Retained Earnings | -2.85M | -3.08M | -3.08M | -2.47M | -1.72M | -1.66M | -1.33M | -1.57M | -3.47M | -2.6M |
Treasury Stock | -1.55M | -1.51M | -1.2M | -1.14M | -1.09M | -1.06M | -1.01M | -883K | -930K | -1.09M |
Accumulated OCI | -804K | -877K | -884K | -522K | -836K | -1.07M | -1M | -1.21M | -625K | -738K |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
MNDO Cash Flow Statement
MIND C.T.I. Ltd (MNDO) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 2.75M | 4.4M | 6.68M | 6.5M | 6.9M | 4.56M | 4.1M | 4.11M | 3.99M | 4.02M |
Operating CF Margin % | 15.2% | 24.27% | 29.48% | 27.8% | 26.2% | 21.15% | 18.97% | 19.18% | 20.49% | - |
Operating CF Growth % | -47.64% | 60.31% | 51.77% | -2.72% | 6.14% | -33.92% | -10.05% | 0.34% | -3.11% | 289.09% |
Net Income | 5.61M | 5.13M | 5.07M | 5.38M | 5.95M | 5.29M | 5.17M | 4.63M | 2.6M | 2.98M |
Depreciation & Amortization | 104K | 84K | 151K | 200K | 194K | 193K | 196K | 186K | 270K | 265K |
Stock-Based Compensation | 182K | 224K | 200K | 213K | 171K | 258K | 281K | 252K | 0 | 96K |
Deferred Taxes | 63K | -2K | -2K | -128K | -96K | 7K | 6K | -43K | -99K | -76.89K |
Other Non-Cash Items | -983K | 159K | -6K | 42K | 78K | 86K | 38K | 35K | 251K | 224.63K |
Working Capital Changes | -2.23M | -1.2M | 1.27M | 789K | 604K | -1.27M | -1.59M | -946K | 960K | 533.25K |
Change in Receivables | 574K | -750K | 805K | 1.07M | 243K | -666K | -549K | -4K | 1.5M | 334.25K |
Change in Inventory | 1K | 1.09M | 177K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Change in Payables | 62K | 34K | 138K | -901K | -363K | 139K | 20K | -173K | -325K | -82.16K |
Cash from Investing | -777K | -917K | 2.04M | -34K | -5.69M | 1.83M | -1.54M | 2.29M | 4.27M | 1.41M |
Capital Expenditures | -71K | -46K | -52K | -68K | -82K | -130K | -64K | -10K | -27K | -24.72K |
CapEx % of Revenue | 0.39% | 0.25% | 0.23% | 0.29% | 0.31% | 0.6% | 0.3% | 0.05% | 0.14% | 0.13% |
Acquisitions | 1.17M | 105K | -2.31M | 0 | 0 | 0 | 0 | 0 | -1.53M | -22.93K |
Investments | - | - | - | - | - | - | - | - | - | - |
Other Investing | 93K | -105K | -139K | -126K | -86K | -61K | -53K | -55K | -48K | 1.25M |
Cash from Financing | -6.12M | -5.76M | -5.06M | -4.78M | -5.2M | -5.23M | -4.84M | -4.87M | -4.63M | -4.9M |
Debt Issued (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Equity Issued (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -130K | -329.88K |
Dividends Paid | -6.17M | -5.8M | -5.06M | -4.78M | -5.2M | -5.23M | -4.84M | -4.87M | -4.5M | -4.57M |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -130K | -329.88K |
Other Financing | 53K | 39K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Change in Cash | -4.15M▲ 0% | -2.27M▲ 45.2% | 3.68M▲ 261.6% | 1.78M▼ 51.6% | -4.08M▼ 329.0% | 1.08M▲ 126.6% | -2.31M▼ 313.0% | 1.49M▲ 164.8% | 3.66M▲ 145.2% | 360K▲ 0% |
Free Cash Flow | 2.67M▲ 0% | 4.36M▲ 62.8% | 6.63M▲ 52.2% | 6.43M▼ 3.0% | 6.82M▲ 6.0% | 4.43M▼ 35.0% | 4.04M▼ 8.9% | 4.1M▲ 1.7% | 3.96M▼ 3.5% | 4M▲ 0% |
FCF Margin % | 14.81% | 24.02% | 29.25% | 27.51% | 25.89% | 20.55% | 18.67% | 19.14% | 20.35% | 20.46% |
FCF Growth % | -48.32% | 62.84% | 52.18% | -2.99% | 5.99% | -35.04% | -8.85% | 1.68% | -3.53% | 2.36% |
FCF per Share | 0.14 | 0.22 | 0.33 | 0.32 | 0.34 | 0.22 | 0.20 | 0.20 | 0.19 | 0.20 |
FCF Conversion (FCF/Net Income) | 0.49x | 0.86x | 1.32x | 1.21x | 1.16x | 0.86x | 0.79x | 0.89x | 1.53x | 1.34x |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Taxes Paid | 935K | 19K | 12K | 454K | 903K | 413K | 419K | 393K | 0 | 0 |
MNDO Key Ratios
MIND C.T.I. Ltd (MNDO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 26.53% | 24.45% | 23.6% | 23.9% | 25.39% | 22.25% | 21.4% | 18.98% | 11% | 13.2% |
Return on Invested Capital (ROIC) | 24.99% | 23.43% | 21.62% | 24.51% | 27.16% | 20.49% | 17.12% | 15.33% | 8.57% | 10.63% |
Gross Margin | 61.06% | 66.11% | 55.32% | 52.28% | 52.72% | 53.39% | 50.28% | 50.07% | 50.99% | 51.94% |
Net Margin | 31.07% | 28.31% | 22.35% | 23.03% | 22.59% | 24.53% | 23.91% | 21.59% | 13.38% | 15.26% |
Debt / Equity | - | - | 0.06x | 0.08x | 0.06x | 0.04x | 0.03x | 0.03x | 0.04x | 0.04x |
Interest Coverage | 444.50x | 507.55x | 395.50x | 255.00x | 141.47x | 68.67x | 205.67x | 207.83x | - | - |
FCF Conversion | 0.49x | 0.86x | 1.32x | 1.21x | 1.16x | 0.86x | 0.79x | 0.89x | 1.53x | 1.34x |
Revenue Growth | 0.06% | 0.4% | 24.97% | 3.13% | 12.65% | -18.15% | 0.28% | -0.77% | -9.27% | -5.47% |
Related:MNDO Dividend History·MNDO Revenue History·MNDO Price History·MNDO P/E History·MNDO Financial Ratios·MNDO Institutional Holders
MNDO Frequently Asked Questions
MIND C.T.I. Ltd (MNDO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
MIND C.T.I. Ltd (MNDO) reported $19.5M in revenue for fiscal year 2025. This represents a 138% increase from $8.2M in 1999.
MIND C.T.I. Ltd (MNDO) saw revenue decline by 9.3% over the past year.
Yes, MIND C.T.I. Ltd (MNDO) is profitable, generating $3.0M in net income for fiscal year 2025 (13.4% net margin).
Dividend & Returns
Yes, MIND C.T.I. Ltd (MNDO) pays a dividend with a yield of 22.79%. This makes it attractive for income-focused investors.
MIND C.T.I. Ltd (MNDO) has a return on equity (ROE) of 11.0%. This is reasonable for most industries.
MIND C.T.I. Ltd (MNDO) generated $4.0M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.