MIND C.T.I. Ltd (MNDO)
Valuation Overview•Is MIND C.T.I. Ltd Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 62/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Solid fundamental quality, though growth presents a headwind.
Wall Street sentiment is generally neutral. This outlook is strongly supported by highly attractive capital returns, anchored by a strong dividend yield, though free cash flow coverage appears tight.
MNDO demonstrates strong business quality with robust profitability and healthy margins. This is backed by a fortress balance sheet, holding significant net cash ($7M) and minimal debt risk.
The company is facing top-line contraction (-3.3% 3Y CAGR) however, earnings have severely contracted over the same period. Operating efficiency remains adequate with margins around 13.5%.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $5.1M | -9.3% | -3.3% | -3.6% | -0.7% | |
| EBITDA | $989K | — | -25.6% | — | — | |
| Net Income | $868K | -43.8% | -21.0% | — | -6.3% | |
| EPS (Diluted) | $0.04 | -43.5% | -20.6% | -13.6% | -6.7% | |
| Free Cash Flow | $606K | -3.5% | -3.7% | -9.2% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 51.9% | 50.4% | 51.5% | 55.4% |
| Operating Margin | 13.5% | 17.7% | 20.9% | 23.5% |
| Net Margin | 15.3% | 19.6% | 21.2% | 23.4% |
| FCF Margin | 20.5% | 19.4% | 20.9% | 22.9% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | — | $0.04 | — | ||
| Q1'26 | — | $0.05 | — | ||
| Q4'25 | — | $0.03 | — | ||
| Q3'25 | — | $0.02 | — | ||
| Q2'25 | — | $0.02 | — | ||
| Q1'25 | — | $0.06 | — | ||
| Q4'24 | — | $0.04 | — | ||
| Q3'24 | — | $0.05 | — |
Total return is -30.1% (1Y), lagging the benchmark by -55.1%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -18.2% | -27.5% | — |
| 1Y | -30.1% | -55.1% | — |
| 3YCAGR | -12.3% | -32.2% | +21.9% |
| 5YCAGR | -9.7% | -22.4% | +30.0% |
| 10YCAGR | +4.7% | -9.1% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about MNDO (MNDO) valuation, health, and returns.
MNDO valuation is being assessed using available models.
Valuation anchors are currently not available.
MNDO displays good financial health with a composite quality score of 62/100, supported by a Altman Z-Score of 2.7 (grey zone), Piotroski F-Score of 4/9, Return on Invested Capital (ROIC) of 8.6%.
MNDO pays a 22.8% dividend yield, covered by a 173% payout ratio with 0 years of growth, supplemented by a 0.7% buyback yield.
MNDO's current growth trajectory is Decelerating. The company achieved -9.3% 1Y revenue growth and -43.5% 1Y EPS growth, compared to its 3Y revenue CAGR of -3.3%.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for MNDO include: -40.5% 1-year max drawdown, stretched payout ratio. Volatility risk is characterized by a beta of 0.06x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.