MIND C.T.I. Ltd (MNDO) Financial Ratios
27 years of historical data (1999–2025) · Technology · Software - Application
EV/EBITDA
↓
5.16
↓-32% vs avg
5yr avg: 7.62
30Y Low0.6·High61.2
P/FCF
↓
4.89
↓-45% vs avg
5yr avg: 8.96
30Y Low3.0·High106.0
P/B Ratio
↓
0.85
↓-52% vs avg
5yr avg: 1.76
30Y Low0.6·High3.3
ROE
↓
11.0%
↑-44% vs avg
5yr avg: 19.8%
30Y Low-30%·High96%
Debt/EBITDA
↑
0.39
↑+84% vs avg
5yr avg: 0.21
30Y Low0.1·High0.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
MNDO Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
MIND C.T.I. Ltd trades at 7.3x earnings, 17% below its 5-year average of 8.8x, sitting at the 5th percentile of its historical range. Compared to the Technology sector median P/E of 28.3x, the stock trades at a discount of 74%. On a free-cash-flow basis, the stock trades at 4.9x P/FCF, 45% below the 5-year average of 9.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $19M | $24M | $41M | $40M | $43M | $63M | $52M | $48M | $45M | $54M | $47M |
| Enterprise Value | $12M | $17M | $37M | $38M | $38M | $60M | $46M | $43M | $42M | $49M | $38M |
| P/E Ratio → | 7.31 | 8.85 | 8.61 | 7.84 | 8.08 | 10.72 | 9.59 | 9.64 | 8.77 | 9.55 | 11.18 |
| P/S Ratio | 0.99 | 1.22 | 1.90 | 1.86 | 1.99 | 2.39 | 2.23 | 2.12 | 2.46 | 3.00 | 2.63 |
| P/B Ratio | 0.85 | 1.03 | 1.68 | 1.64 | 1.80 | 2.66 | 2.26 | 2.19 | 2.13 | 2.58 | 2.23 |
| P/FCF | 4.89 | 5.99 | 9.93 | 9.94 | 9.67 | 9.25 | 8.11 | 7.26 | 10.24 | 20.25 | 9.18 |
| P/OCF | 4.86 | 5.95 | 9.91 | 9.79 | 9.40 | 9.14 | 8.03 | 7.20 | 10.13 | 19.73 | 9.06 |
P/E links to full P/E history page with 30-year chart
MNDO EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
MIND C.T.I. Ltd's enterprise value stands at 5.2x EBITDA, 32% below its 5-year average of 7.6x. The Technology sector median is 16.6x, placing the stock at a 69% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.85 | 1.73 | 1.75 | 1.78 | 2.29 | 1.96 | 1.89 | 2.31 | 2.72 | 2.12 |
| EV / EBITDA | 5.16 | 7.02 | 8.14 | 7.65 | 6.73 | 8.59 | 8.08 | 8.27 | 7.70 | 10.26 | 7.14 |
| EV / EBIT | 5.83 | 7.93 | 7.44 | 6.81 | 6.75 | 8.70 | 7.80 | 7.75 | 7.50 | 7.90 | 7.12 |
| EV / FCF | — | 4.18 | 9.05 | 9.37 | 8.68 | 8.85 | 7.11 | 6.47 | 9.61 | 18.38 | 7.41 |
MNDO Profitability
Margins and return-on-capital ratios measuring operating efficiency
MIND C.T.I. Ltd earns an operating margin of 10.7%. Operating margins have compressed from 22.0% to 10.7% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 11.0% is modest. ROIC of 8.6% represents adequate returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.0% | 51.0% | 50.1% | 50.3% | 53.4% | 52.7% | 52.3% | 55.3% | 66.1% | 61.1% | 62.2% |
| Operating Margin | 10.7% | 10.7% | 20.4% | 22.0% | 25.6% | 25.9% | 23.4% | 22.2% | 29.5% | 25.9% | 28.8% |
| Net Profit Margin | 13.4% | 13.4% | 21.6% | 23.9% | 24.5% | 22.6% | 23.0% | 22.3% | 28.3% | 31.1% | 23.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.0% | 11.0% | 19.0% | 21.4% | 22.2% | 25.4% | 23.9% | 23.6% | 24.4% | 26.5% | 19.5% |
| ROA | 8.6% | 8.6% | 14.9% | 16.3% | 16.3% | 18.1% | 17.0% | 17.7% | 19.5% | 20.2% | 14.2% |
| ROIC | 8.6% | 8.6% | 15.3% | 17.1% | 20.5% | 27.2% | 24.5% | 21.6% | 23.4% | 25.0% | 34.7% |
| ROCE | 7.8% | 7.8% | 16.0% | 17.7% | 20.4% | 25.2% | 21.2% | 21.3% | 23.6% | 20.2% | 21.8% |
MNDO Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
MIND C.T.I. Ltd carries a Debt/EBITDA ratio of 0.4x, which is very conservative (87% below the sector average of 2.9x). The company holds a net cash position — cash of $8M exceeds total debt of $929000, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.06 | 0.08 | 0.06 | — | — | — |
| Debt / EBITDA | 0.39 | 0.39 | 0.18 | 0.13 | 0.15 | 0.21 | 0.32 | 0.25 | — | — | — |
| Net Debt / Equity | — | -0.31 | -0.15 | -0.09 | -0.18 | -0.11 | -0.28 | -0.24 | -0.13 | -0.24 | -0.43 |
| Net Debt / EBITDA | -3.05 | -3.05 | -0.79 | -0.47 | -0.77 | -0.39 | -1.13 | -1.00 | -0.50 | -1.05 | -1.71 |
| Debt / FCF | — | -1.82 | -0.88 | -0.57 | -0.99 | -0.40 | -1.00 | -0.79 | -0.63 | -1.87 | -1.77 |
| Interest Coverage | — | — | 207.83 | 205.67 | 68.67 | 141.47 | 255.00 | 395.50 | 507.55 | 444.50 | 414.23 |
Net cash position: cash ($8M) exceeds total debt ($929000)
MNDO Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
MIND C.T.I. Ltd's current ratio of 3.83x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 4.41x to 3.83x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.83 | 3.83 | 5.78 | 4.41 | 3.92 | 3.64 | 3.49 | 3.03 | 5.44 | 4.94 | 3.84 |
| Quick Ratio | 3.83 | 3.83 | 5.78 | 4.41 | 3.92 | 3.64 | 3.49 | 3.03 | 5.44 | 4.93 | 3.84 |
| Cash Ratio | 3.23 | 3.23 | 4.81 | 3.71 | 3.38 | 3.28 | 3.01 | 2.41 | 4.60 | 4.48 | 3.54 |
| Asset Turnover | — | 0.64 | 0.70 | 0.68 | 0.68 | 0.79 | 0.72 | 0.73 | 0.70 | 0.68 | 0.62 |
| Inventory Turnover | — | — | — | — | — | — | — | 2531.50 | 1536.50 | 1758.25 | 1366.20 |
| Days Sales Outstanding | — | 32.13 | 46.91 | 44.57 | 43.05 | 27.00 | 37.52 | 58.93 | 54.14 | 42.07 | 25.76 |
MNDO Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
MIND C.T.I. Ltd returns 23.6% to shareholders annually — split between a 23.0% dividend yield and 0.7% buyback yield. The payout ratio exceeds 100% at 172.9%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 13.7% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 23.0% | 19.0% | 11.9% | 12.1% | 12.2% | 8.2% | 9.2% | 10.5% | 13.0% | 11.4% | 10.9% |
| Payout Ratio | 172.9% | 172.9% | 105.1% | 93.7% | 98.9% | 87.4% | 88.7% | 99.9% | 113.0% | 110.0% | 123.5% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 13.7% | 11.3% | 11.6% | 12.8% | 12.4% | 9.3% | 10.4% | 10.4% | 11.4% | 10.5% | 8.9% |
| FCF Yield | 20.5% | 16.7% | 10.1% | 10.1% | 10.3% | 10.8% | 12.3% | 13.8% | 9.8% | 4.9% | 10.9% |
| Buyback Yield | 0.7% | 0.5% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 23.6% | 19.5% | 11.9% | 12.1% | 12.2% | 8.2% | 9.2% | 10.5% | 13.0% | 11.4% | 10.9% |
| Shares Outstanding | — | $21M | $21M | $20M | $20M | $20M | $20M | $20M | $20M | $20M | $19M |
Peer Comparison
Compare MNDO with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 MNDOYou | $19M | 7.3 | 5.2 | 4.9 | 51.0% | 10.7% | 11.0% | 8.6% | 0.4 |
 NTCT | $3B | 31.0 | 13.9 | 10.1 | 74.2% | 13.0% | 6.0% | 7.3% | 0.2 |
 SHEN | $766M | -19.5 | 12.6 | — | 26.9% | -6.2% | -4.0% | -1.1% | 5.9 |
 LQDT | $1B | 43.1 | 22.2 | 19.8 | 43.8% | 7.4% | 14.6% | 60.8% | 0.3 |
 CSGS | $2B | 40.8 | 7.3 | 16.3 | 47.5% | 24.5% | 19.7% | 32.5% | 1.6 |
 TTEC | $101M | -0.5 | 5.5 | 1.2 | 21.8% | 4.5% | -101.0% | 6.3% | 5.4 |
 EVTC | $2B | 11.5 | 7.7 | 11.5 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 JKHY | $9B | 19.8 | 11.4 | 15.2 | 42.7% | 23.9% | 21.4% | 21.0% | — |
 CSCO | $479B | 47.7 | 34.1 | 36.0 | 64.9% | 20.8% | 22.1% | 13.0% | 1.9 |
 NOK | $83B | 114.8 | 37.9 | 51.3 | 43.5% | 3.9% | 3.1% | 3.0% | 2.7 |
 ERIC | $36B | 14.1 | 9.2 | 12.1 | 48.1% | 13.8% | 26.3% | 22.3% | 1.2 |
| Technology Median | — | 28.3 | 16.6 | 18.8 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 27 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
MNDO — Frequently Asked Questions
Quick answers to the most common questions about buying MNDO stock.
What is MIND C.T.I. Ltd's P/E ratio?
MIND C.T.I. Ltd's current P/E ratio is 7.3x. The historical average is 16.9x. This places it at the 5th percentile of its historical range.
What is MIND C.T.I. Ltd's EV/EBITDA?
MIND C.T.I. Ltd's current EV/EBITDA is 5.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.7x.
What is MIND C.T.I. Ltd's ROE?
MIND C.T.I. Ltd's return on equity (ROE) is 11.0%. The historical average is 16.3%.
Is MNDO stock overvalued?
Based on historical data, MIND C.T.I. Ltd is trading at a P/E of 7.3x. This is at the 5th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is MIND C.T.I. Ltd's dividend yield?
MIND C.T.I. Ltd's current dividend yield is 22.97% with a payout ratio of 172.9%.
What are MIND C.T.I. Ltd's profit margins?
MIND C.T.I. Ltd has 51.0% gross margin and 10.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does MIND C.T.I. Ltd have?
MIND C.T.I. Ltd's Debt/EBITDA ratio is 0.4x, indicating low leverage. A ratio below 2x is generally considered financially healthy.