MIND C.T.I. Ltd (MNDO) 10-Year Financial Performance & Capital Metrics

MNDO • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsDigital Banking Platforms

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 $21M -0.8%
EBITDA $5M -7.7%
Net Income $5M -10.4%
EPS (Diluted) 0.23 -8.0%
Gross Margin 50.07% -0.4%
EBITDA Margin 21.28% -7.0%
Operating Margin 20.41% -7.1%
Net Margin 21.59% -9.7%
ROE 18.98% -11.3%
ROIC 15.33% -10.5%
Debt/Equity 0.03 +29.5%
Interest Coverage 182.38 +3.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Company is almost debt free
✓Excellent 3Y average ROE of 20.9%
✓FCF machine: 19.1% free cash flow margin
✓Healthy 5Y average net margin of 23.1%
✓Trading at only 1.0x book value

✗Weaknesses

✗Dividend payout exceeds 100% of earnings
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-1.53%

5Y-1.1%

3Y-6.61%

TTM-9.54%

Profit (Net Income) CAGR

10Y-1.68%

5Y-1.78%

3Y-8.01%

TTM-40.07%

EPS CAGR

10Y-2.29%

5Y-1.65%

3Y-7.44%

TTM-40.38%

ROCE

10Y Avg21.39%

5Y Avg20.1%

3Y Avg18.05%

Latest16.04%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.12B	166.09	205.05	22.64%	7.23%	6%	2.09%	0.49
DAVEDave Inc.	2.34B	192.06	45.84	33.96%	29.87%	50.37%	5.33%	0.41
INTUIntuit Inc.	154.33B	554.58	40.57	15.63%	21.19%	21.31%	3.94%	0.34
CCBCoastal Financial Corporation	1.72B	113.69	34.98	30.92%	7.84%	10.04%	14.54%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.05	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.09B	70.39	16.41	16.11%	30.63%	29.28%	7.2%	0.16
CWANClearwater Analytics Holdings, Inc.	6.98B	24.19	14.40	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	20.93M	18.05M	18.06M	18.14M	22.66M	23.37M	26.33M	21.55M	21.61M	21.45M
Revenue Growth %	-0.16%	-0.14%	0%	0%	0.25%	0.03%	0.13%	-0.18%	0%	-0.01%
Cost of Goods Sold+	8.63M	6.83M	7.03M	6.15M	10.13M	11.15M	12.45M	10.04M	10.75M	10.71M
COGS % of Revenue	0.41%	0.38%	0.39%	0.34%	0.45%	0.48%	0.47%	0.47%	0.5%	0.5%
Gross Profit+	12.3M	11.22M	11.03M	11.99M	12.54M	12.22M	13.88M	11.51M	10.87M	10.74M
Gross Margin %	0.59%	0.62%	0.61%	0.66%	0.55%	0.52%	0.53%	0.53%	0.5%	0.5%
Gross Profit Growth %	-0.18%	-0.09%	-0.02%	0.09%	0.05%	-0.03%	0.14%	-0.17%	-0.06%	-0.01%
Operating Expenses+	5.88M	6.01M	6.34M	6.64M	7.5M	6.76M	7.05M	5.98M	6.12M	6.36M
OpEx % of Revenue	0.28%	0.33%	0.35%	0.37%	0.33%	0.29%	0.27%	0.28%	0.28%	0.3%
Selling, General & Admin	2.94M	2.5M	2.93M	2.89M	3.31M	2.79M	3M	2.49M	2.58M	2.97M
SG&A % of Revenue	0.14%	0.14%	0.16%	0.16%	0.15%	0.12%	0.11%	0.12%	0.12%	0.14%
Research & Development	2.94M	3.52M	3.42M	3.75M	4.19M	3.96M	4.05M	3.5M	3.54M	3.39M
R&D % of Revenue	0.14%	0.19%	0.19%	0.21%	0.18%	0.17%	0.15%	0.16%	0.16%	0.16%
Other Operating Expenses	0	0	21K	15K	0	0	0	0	0	0
Operating Income+	6.42M	5.21M	4.69M	5.35M	5.04M	5.46M	6.83M	5.52M	4.75M	4.38M
Operating Margin %	0.31%	0.29%	0.26%	0.3%	0.22%	0.23%	0.26%	0.26%	0.22%	0.2%
Operating Income Growth %	-0.14%	-0.19%	-0.1%	0.14%	-0.06%	0.08%	0.25%	-0.19%	-0.14%	-0.08%
EBITDA+	6.59M	5.37M	4.79M	5.43M	5.19M	5.66M	7.02M	5.72M	4.95M	4.56M
EBITDA Margin %	0.31%	0.3%	0.27%	0.3%	0.23%	0.24%	0.27%	0.27%	0.23%	0.21%
EBITDA Growth %	-0.14%	-0.19%	-0.11%	0.13%	-0.04%	0.09%	0.24%	-0.19%	-0.14%	-0.08%
D&A (Non-Cash Add-back)	173K	161K	104K	84K	151K	200K	194K	193K	196K	186K
EBIT	6.32M	5.38M	6.22M	5.58M	5.54M	5.87M	6.93M	5.7M	5.55M	4.99M
Net Interest Income+	201K	237K	239K	301K	370K	232K	61K	237K	710K	726K
Interest Income	215K	250K	253K	312K	384K	255K	110K	320K	737K	750K
Interest Expense	14K	13K	14K	11K	14K	23K	49K	83K	27K	24K
Other Income/Expense	-114K	166K	1.52M	222K	483K	379K	55K	93K	777K	587K
Pretax Income+	6.3M	5.37M	6.21M	5.57M	5.52M	5.84M	6.88M	5.62M	5.53M	4.96M
Pretax Margin %	0.3%	0.3%	0.34%	0.31%	0.24%	0.25%	0.26%	0.26%	0.26%	0.23%
Income Tax+	1.28M	1.17M	597K	438K	458K	459K	936K	330K	359K	334K
Effective Tax Rate %	0.8%	0.78%	0.9%	0.92%	0.92%	0.92%	0.86%	0.94%	0.94%	0.93%
Net Income+	5.02M	4.2M	5.61M	5.13M	5.07M	5.38M	5.95M	5.29M	5.17M	4.63M
Net Margin %	0.24%	0.23%	0.31%	0.28%	0.22%	0.23%	0.23%	0.25%	0.24%	0.22%
Net Income Growth %	-0.08%	-0.16%	0.34%	-0.09%	-0.01%	0.06%	0.1%	-0.11%	-0.02%	-0.1%
Net Income (Continuing)	5.02M	4.2M	5.61M	5.13M	5.07M	5.38M	5.95M	5.29M	5.17M	4.63M
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)+	0.26	0.22	0.29	0.26	0.25	0.27	0.29	0.26	0.25	0.23
EPS Growth %	-0.1%	-0.15%	0.32%	-0.1%	-0.04%	0.08%	0.07%	-0.1%	-0.04%	-0.08%
EPS (Basic)	0.26	0.22	0.29	0.27	0.26	0.27	0.30	0.26	0.26	0.23
Diluted Shares Outstanding	19.28M	19.31M	19.56M	19.56M	19.96M	20.14M	20.27M	20.4M	20.47M	20.58M
Basic Shares Outstanding	19.18M	19.23M	19.29M	19.34M	19.75M	19.91M	20.01M	20.1M	20.16M	20.3M
Dividend Payout Ratio	1.15%	1.24%	1.1%	1.13%	1%	0.89%	0.87%	0.99%	0.94%	1.05%

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	21.09M	20.58M	18.71M	18.71M	19.08M	19.69M	20.53M	20.3M	19.71M	18.92M
Cash & Short-Term Investments	18.12M	18.98M	16.99M	15.8M	15.19M	17.02M	18.46M	17.48M	16.6M	15.75M
Cash Only	11.47M	9.16M	5.01M	2.74M	6.48M	8.26M	4.18M	5.26M	2.96M	4.45M
Short-Term Investments	6.65M	9.82M	11.98M	13.07M	8.71M	8.76M	14.28M	12.21M	13.65M	11.3M
Accounts Receivable	2.46M	1.27M	2.08M	2.69M	3.66M	2.4M	1.95M	2.54M	2.64M	2.76M
Days Sales Outstanding	42.83	25.76	42.07	54.14	58.93	37.52	27	43.05	44.57	46.91
Inventory	9K	5K	4K	4K	4K	0	0	0	0	0
Days Inventory Outstanding	0.38	0.27	0.21	0.24	0.14	-	-	-	-	-
Other Current Assets	187K	0	0	0	0	0	0	108K	194K	235K
Total Non-Current Assets+	9.22M	8.42M	7.95M	7.27M	12.02M	12.72M	12.6M	11.45M	11.91M	11.78M
Property, Plant & Equipment	591K	498K	202K	164K	1.46M	1.93M	1.64M	1.17M	906K	1.02M
Fixed Asset Turnover	35.41x	36.25x	89.42x	110.58x	15.56x	12.09x	16.08x	18.40x	23.85x	21.09x
Goodwill	5.43M	5.43M	5.43M	5.43M	7.91M	8.14M	7.93M	7.79M	7.87M	7.73M
Intangible Assets	0	0	0	0	761K	702K	522K	374K	265K	135K
Long-Term Investments	1.44M	832K	645K	203K	129K	0	0	0	0	448K
Other Non-Current Assets	1.7M	1.56M	1.64M	1.44M	1.72M	1.82M	2.33M	1.97M	2.77M	2.35M
Total Assets+	30.23M	29M	26.66M	25.98M	31.09M	32.42M	33.13M	31.74M	31.63M	30.7M
Asset Turnover	0.69x	0.62x	0.68x	0.70x	0.73x	0.72x	0.79x	0.68x	0.68x	0.70x
Asset Growth %	-0%	-0.04%	-0.08%	-0.03%	0.2%	0.04%	0.02%	-0.04%	-0%	-0.03%
Total Current Liabilities+	6.17M	5.36M	3.79M	3.44M	6.3M	5.64M	5.63M	5.17M	4.47M	3.27M
Accounts Payable	237K	51K	113K	147K	1.65M	1.28M	839K	937K	989K	769K
Days Payables Outstanding	10.02	2.73	5.86	8.73	59.51	41.82	24.6	34.05	33.59	26.21
Short-Term Debt	0	0	0	0	292K	346K	0	0	0	188K
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	849K
Other Current Liabilities	1.24M	464K	278K	523K	1.16M	1.01M	0	277K	135K	591K
Current Ratio	3.42x	3.84x	4.94x	5.44x	3.03x	3.49x	3.64x	3.92x	4.41x	5.78x
Quick Ratio	3.42x	3.84x	4.93x	5.44x	3.03x	3.49x	3.64x	3.92x	4.41x	5.78x
Cash Conversion Cycle	33.19	23.3	36.42	45.65	-0.44	-	-	-	-	-
Total Non-Current Liabilities+	2.21M	2.35M	1.85M	1.56M	2.86M	3.65M	3.77M	2.76M	2.66M	3.13M
Long-Term Debt	0	0	0	0	0	0	0	0	0	0
Capital Lease Obligations	0	0	0	0	983K	1.49M	1.1M	615K	424K	637K
Deferred Tax Liabilities	0	0	0	0	0	211K	157K	112K	80K	40K
Other Non-Current Liabilities	1.79M	1.69M	1.71M	1.52M	1.77M	1.86M	2.36M	1.93M	2.06M	2.35M
Total Liabilities	8.38M	7.71M	5.64M	5M	9.16M	9.3M	9.4M	7.94M	7.14M	6.41M
Total Debt+	0	0	0	0	1.27M	1.84M	1.47M	886K	642K	825K
Net Debt	-11.47M	-9.16M	-5.01M	-2.74M	-5.2M	-6.42M	-2.71M	-4.38M	-2.32M	-3.63M
Debt / Equity	-	-	-	-	0.06x	0.08x	0.06x	0.04x	0.03x	0.03x
Debt / EBITDA	-	-	-	-	0.25x	0.32x	0.21x	0.15x	0.13x	0.18x
Net Debt / EBITDA	-1.74x	-1.71x	-1.05x	-0.50x	-1.00x	-1.13x	-0.39x	-0.77x	-0.47x	-0.79x
Interest Coverage	458.29x	400.46x	334.71x	486.36x	360.00x	237.52x	139.35x	66.55x	175.89x	182.38x
Total Equity+	21.85M	21.29M	21.02M	20.98M	21.94M	23.12M	23.73M	23.81M	24.49M	24.3M
Equity Growth %	-0.03%	-0.03%	-0.01%	-0%	0.05%	0.05%	0.03%	0%	0.03%	-0.01%
Book Value per Share	1.13	1.10	1.07	1.07	1.10	1.15	1.17	1.17	1.20	1.18
Total Shareholders' Equity	21.85M	21.29M	21.02M	20.98M	21.94M	23.12M	23.73M	23.81M	24.49M	24.3M
Common Stock	54K	54K	54K	54K	54K	54K	54K	54K	54K	54K
Retained Earnings	-1.3M	-2.29M	-2.85M	-3.08M	-3.08M	-2.47M	-1.72M	-1.66M	-1.33M	-1.57M
Treasury Stock	-1.69M	-1.61M	-1.55M	-1.51M	-1.2M	-1.14M	-1.09M	-1.06M	-1.01M	-883K
Accumulated OCI	-1.07M	-867K	-804K	-877K	-884K	-522K	-836K	-1.07M	-1M	-1.21M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	6.3M	5.24M	2.75M	4.4M	6.68M	6.5M	6.9M	4.56M	4.1M	4.11M
Operating CF Margin %	0.3%	0.29%	0.15%	0.24%	0.29%	0.28%	0.26%	0.21%	0.19%	0.19%
Operating CF Growth %	0.64%	-0.17%	-0.48%	0.6%	0.52%	-0.03%	0.06%	-0.34%	-0.1%	0%
Net Income	5.02M	4.2M	5.61M	5.13M	5.07M	5.38M	5.95M	5.29M	5.17M	4.63M
Depreciation & Amortization	173K	161K	104K	84K	151K	200K	194K	193K	196K	186K
Stock-Based Compensation	138K	136K	182K	224K	200K	213K	171K	258K	281K	252K
Deferred Taxes	-46K	146K	63K	-2K	-2K	-128K	-96K	7K	6K	-43K
Other Non-Cash Items	203K	-16K	-983K	159K	-6K	42K	78K	86K	38K	35K
Working Capital Changes	811K	614K	-2.23M	-1.2M	1.27M	789K	604K	-1.27M	-1.59M	-946K
Change in Receivables	352K	1.15M	574K	-750K	805K	1.07M	243K	-666K	-549K	-4K
Change in Inventory	1K	4K	1K	1.09M	177K	0	0	0	0	0
Change in Payables	99K	-186K	62K	34K	138K	-901K	-363K	139K	20K	-173K
Cash from Investing+	2.67M	-2.45M	-777K	-917K	2.04M	-34K	-5.69M	1.83M	-1.54M	2.29M
Capital Expenditures	-146K	-68K	-71K	-46K	-52K	-68K	-82K	-130K	-64K	-10K
CapEx % of Revenue	0.01%	0%	0%	0%	0%	0%	0%	0.01%	0%	0%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-32K	82K	93K	-105K	-139K	-126K	-86K	-61K	-53K	-55K
Cash from Financing+	-5.59M	-5.11M	-6.12M	-5.76M	-5.06M	-4.78M	-5.2M	-5.23M	-4.84M	-4.87M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-5.76M	-5.19M	-6.17M	-5.8M	-5.06M	-4.78M	-5.2M	-5.23M	-4.84M	-4.87M
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	171K	85K	53K	39K	0	0	0	0	0	0
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	6.15M	5.18M	2.67M	4.36M	6.63M	6.43M	6.82M	4.43M	4.04M	4.1M
FCF Margin %	0.29%	0.29%	0.15%	0.24%	0.29%	0.28%	0.26%	0.21%	0.19%	0.19%
FCF Growth %	0.69%	-0.16%	-0.48%	0.63%	0.52%	-0.03%	0.06%	-0.35%	-0.09%	0.02%
FCF per Share	0.32	0.27	0.14	0.22	0.33	0.32	0.34	0.22	0.20	0.20
FCF Conversion (FCF/Net Income)	1.25x	1.25x	0.49x	0.86x	1.32x	1.21x	1.16x	0.86x	0.79x	0.89x
Interest Paid	0	0	0	0	0	0	0	0	0	0
Taxes Paid	414K	841K	935K	19K	12K	454K	903K	413K	419K	393K

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	22.68%	19.49%	26.53%	24.45%	23.6%	23.9%	25.39%	22.25%	21.4%	18.98%
Return on Invested Capital (ROIC)	38.99%	34.72%	24.99%	23.43%	21.62%	24.51%	27.16%	20.49%	17.12%	15.33%
Gross Margin	58.76%	62.16%	61.06%	66.11%	55.32%	52.28%	52.72%	53.39%	50.28%	50.07%
Net Margin	23.98%	23.28%	31.07%	28.31%	22.35%	23.03%	22.59%	24.53%	23.91%	21.59%
Debt / Equity	-	-	-	-	0.06x	0.08x	0.06x	0.04x	0.03x	0.03x
Interest Coverage	458.29x	400.46x	334.71x	486.36x	360.00x	237.52x	139.35x	66.55x	175.89x	182.38x
FCF Conversion	1.25x	1.25x	0.49x	0.86x	1.32x	1.21x	1.16x	0.86x	0.79x	0.89x
Revenue Growth	-16.35%	-13.74%	0.06%	0.4%	24.97%	3.13%	12.65%	-18.15%	0.28%	-0.77%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Service	-	-	-	-	-	-	-	-	21.05M	20.72M
Service Growth	-	-	-	-	-	-	-	-	-	-1.60%
License	-	-	-	-	-	-	-	-	558K	728K
License Growth	-	-	-	-	-	-	-	-	-	30.47%
BillingAndRelatedServicesMember	-	-	-	-	-	-	14.36M	-	-	-
BillingAndRelatedServicesMember Growth	-	-	-	-	-	-	-	-	-	-
MessagingMember	-	-	-	-	-	-	11.98M	-	-	-
MessagingMember Growth	-	-	-	-	-	-	-	-	-	-
ProductLineMember	-	-	-	-	-	11.99M	-	-	-	-
ProductLineMember Growth	-	-	-	-	-	-	-	-	-	-
ProductLineCMember	-	-	-	-	-	8.75M	-	-	-	-
ProductLineCMember Growth	-	-	-	-	-	-	-	-	-	-
ProductLineBMember	-	-	-	-	-	2.64M	-	-	-	-
ProductLineBMember Growth	-	-	-	-	-	-	-	-	-	-
Product Line	16.57M	14.54M	14.72M	14.92M	13.59M	-	-	-	-	-
Product Line Growth	-	-12.21%	1.22%	1.37%	-8.93%	-	-	-	-	-
Product line "C"	-	-	-	-	6.12M	-	-	-	-	-
Product line "C" Growth	-	-	-	-	-	-	-	-	-	-
Product Line B	4.36M	3.51M	3.34M	3.21M	2.96M	-	-	-	-	-
Product Line B Growth	-	-19.56%	-4.79%	-3.83%	-7.97%	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Europe	-	-	-	-	-	11.73M	-	11.38M	11.63M	11.4M
Europe Growth	-	-	-	-	-	-	-	-	2.21%	-1.99%
Americas	-	-	-	-	-	10.36M	-	8.54M	7.9M	8.51M
Americas Growth	-	-	-	-	-	-	-	-	-7.49%	7.74%
Other Countries Member	-	-	-	-	-	-	-	808K	1.16M	475K
Other Countries Member Growth	-	-	-	-	-	-	-	-	43.81%	-59.12%
InIsraelMember	-	-	-	-	-	893K	-	-	-	-
InIsraelMember Growth	-	-	-	-	-	-	-	-	-	-
OtherCountriesMember	-	-	-	-	-	392K	-	-	-	-
OtherCountriesMember Growth	-	-	-	-	-	-	-	-	-	-
ISRAEL	1.42M	880K	977K	884K	1.27M	-	-	-	-	-
ISRAEL Growth	-	-37.90%	11.02%	-9.52%	43.89%	-	-	-	-	-
UNITED STATES	11.29M	12.71M	12.99M	13.13M	-	-	-	-	-	-
UNITED STATES Growth	-	12.57%	2.23%	1.04%	-	-	-	-	-	-
Rest Of Europe	5.79M	2.74M	2.72M	-	-	-	-	-	-	-
Rest Of Europe Growth	-	-52.63%	-0.73%	-	-	-	-	-	-	-
Other Countries	1.52M	1.13M	909K	-	-	-	-	-	-	-
Other Countries Growth	-	-25.89%	-19.41%	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

MIND C.T.I. Ltd (MNDO) has a price-to-earnings (P/E) ratio of 5.3x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

MIND C.T.I. Ltd (MNDO) reported $19.8M in revenue for fiscal year 2024. This represents a 5% increase from $18.9M in 2011.

MIND C.T.I. Ltd (MNDO) saw revenue decline by 0.8% over the past year.

Yes, MIND C.T.I. Ltd (MNDO) is profitable, generating $2.9M in net income for fiscal year 2024 (21.6% net margin).

Dividend & Returns

Yes, MIND C.T.I. Ltd (MNDO) pays a dividend with a yield of 19.23%. This makes it attractive for income-focused investors.

MIND C.T.I. Ltd (MNDO) has a return on equity (ROE) of 19.0%. This is reasonable for most industries.

MIND C.T.I. Ltd (MNDO) generated $3.1M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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