MIND C.T.I. Ltd (MNDO) AI Stock Analysis

MIND C.T.I. Ltd., along with its subsidiaries, specializes in the design, development, marketing, support, implementation, and operation of billing and customer care systems across the Americas, Europe, Israel, Asia Pacific, and Africa. The company operates through two segments: Billing and Related Services, and Messaging, catering to clients in the telecommunications industry. Its billing platform supports voice, data, and content services with prepaid, postpaid, and pay-in-advance payment models. Offerings include workflow management, point of sale tools, turnkey project delivery, customer support, managed services, and the PhonEX ONE call management system.

Annual revenue contracted from $26.3M in FY2021 to $21.6M in FY2022, remained at $21.6M in FY2023, and moved to $21.4M in FY2024 before falling 9.3% to $19.5M in FY2025. Over the 5-year period from FY2020 to FY2025, revenue posted a CAGR of -3.6%. Operating margin declined from 25.9% in FY2021 to 10.7% in FY2025, while net income fell from $5.9M to $2.6M. For the trailing twelve months, revenue was $19.4M with an operating margin of 15.0% and a profit margin of 16.9%. In the quarter ended June 30, 2026, quarterly revenue fell 3.0% year-over-year, while quarterly earnings grew 92.3%.

As of June 30, 2026, MIND C.T.I. held $13.5M in cash and short-term investments against total debt of $798,000, resulting in net cash of $12.7M. The company reported a current ratio of 4.66 and a debt-to-equity ratio of 0.03, supported by shareholders' equity of $24.1M and total assets of $30.1M. In FY2025, operating cash flow was $4.0M and free cash flow was $4.0M. For capital allocation in FY2025, capital expenditures were $27,000, share buybacks totaled $130,000, and dividends paid were $4.5M.

At the closing price of $0.93 on October 16, 2026, MIND C.T.I. had a market capitalization of $18.8M and an enterprise value of $7.9M. The stock trades at a trailing P/E of 5.8x and an EV/EBITDA of 2.4x, lower than the median of its US-listed Technology peers of 28.1x and 16.6x, respectively. The price-to-sales ratio is 1.0x versus the peer median of 2.8x. Over the past year, MNDO fell 13.9% compared to a 16.8% gain for the S&P 500, and its 5-year return fell 56.4% compared to an 83.0% gain for the index.

MIND C.T.I. currently has no published Wall Street analyst ratings, consensus earnings estimates, or price targets. The company's next scheduled earnings date is November 11, 2026. For the trailing twelve months ended June 30, 2026, MNDO reported diluted EPS of $0.16. At the last close of $0.93 on October 16, 2026, the stock traded 12.7% below its 200-day average.

This page is an AI-written research summary of MIND C.T.I. Ltd (MNDO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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