MNDO

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MIND C.T.I. Ltd.

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Key Metrics

Previous Close: $1.01
52-Week Range: $0.85 – $1.29
Market Cap: $20.39M
P/E (TTM): 6.31
EPS (TTM): 0.16
Dividend Yield: 18.33%

Advanced Metrics

Price/Book: 0.87
PEG Ratio: 2.23
Return on Equity: 14.38%
Return on Assets: 6.46%
Gross Margin: 54.40%
Operating Margin: 14.96%
Profit Margin: 16.87%
Current Ratio: 4.66
Debt/Equity: 0.03
Total Debt: $798.00K
Free Cash Flow: $1.70M
Revenue Growth: -3.00%
Earnings Growth: 92.30%
Enterprise Value: $7.48M

MNDO Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$21.55M	$21.61M	$21.45M	$19.46M
Cost of Revenue	$10.04M	$10.75M	$10.71M	$9.54M
Gross Profit	$11.51M	$10.87M	$10.74M	$9.92M
Research & Development	$3.50M	$3.54M	$3.39M	$4.05M
Selling, General & Admin	$2.49M	$2.58M	$2.97M	$3.78M
Operating Expenses	$5.98M	$6.12M	$6.36M	$7.83M
Operating Income	$5.52M	$4.75M	$4.38M	$2.09M
EBITDA	$5.72M	$4.95M	$4.56M	$2.36M
Pretax Income	$5.62M	$5.53M	$4.96M	$2.77M
Income Tax	$330.00K	$359.00K	$334.00K	$163.00K
Net Income	$5.29M	$5.17M	$4.63M	$2.60M
Diluted EPS	0.26	0.25	0.22	0.13
Diluted Shares	20.40M	20.47M	20.58M	20.63M

MNDO Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$5.26M	$2.96M	$4.45M	$8.12M
Receivables	$2.54M	$2.64M	$2.76M	$1.80M
Current Assets	$20.30M	$19.71M	$18.92M	$16.08M
Total Assets	$31.74M	$31.63M	$30.70M	$30.17M
Current Liabilities	$5.17M	$4.47M	$3.27M	$4.20M
Total Debt	$886.00K	$642.00K	$825.00K	$929.00K
Total Liabilities	$7.94M	$7.14M	$6.41M	$7.12M
Retained Earnings	-$1.66M	-$1.33M	-$1.57M	-$3.47M
Shareholders' Equity	$23.81M	$24.49M	$24.30M	$23.05M
Working Capital	$15.13M	$15.24M	$15.64M	$11.89M

MNDO Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$4.56M	$4.10M	$4.11M	$3.99M
Capital Expenditure	-$130.00K	-$64.00K	-$10.00K	-$27.00K
Free Cash Flow	$4.43M	$4.04M	$4.10M	$3.96M
Depreciation & Amortisation	$193.00K	$196.00K	$186.00K	$270.00K
Stock-Based Compensation	$258.00K	$281.00K	$252.00K	$199.00K
Investing Cash Flow	$1.83M	-$1.54M	$2.29M	$4.27M
Financing Cash Flow	-$5.23M	-$4.84M	-$4.87M	-$4.63M
Dividends Paid	-$5.23M	-$4.84M	-$4.87M	-$4.50M
Share Repurchases	—	$0.00	$0.00	-$130.00K
Net Change in Cash	$1.16M	-$2.28M	$1.54M	$3.63M

MNDO Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$5.00M	$4.75M	$4.82M	$4.89M	$5.08M
Cost of Revenue	$2.49M	$2.60M	$2.27M	$2.18M	$2.35M
Gross Profit	$2.51M	$2.15M	$2.55M	$2.71M	$2.74M
Research & Development	$894.00K	$995.00K	$1.10M	$1.06M	$992.00K
Selling, General & Admin	$1.25M	$889.00K	$811.00K	$839.00K	$828.00K
Operating Expenses	$2.14M	$1.88M	$1.91M	$1.90M	$1.82M
Operating Income	$370.00K	$266.00K	$644.00K	$806.00K	$920.00K
EBITDA	$444.00K	$345.00K	$693.00K	$874.00K	$989.00K
Pretax Income	$544.00K	$517.00K	$761.00K	$945.00K	$990.00K
Income Tax	$54.00K	$34.00K	$80.00K	-$5.00K	$122.00K
Net Income	$490.00K	$483.00K	$681.00K	$950.00K	$868.00K
Diluted EPS	0.02	0.02	0.03	0.05	0.04
Diluted Shares	20.60M	20.70M	20.72M	20.75M	20.45M

MNDO Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$3.33M	$2.75M	$5.19M	$8.12M	$3.69M
Receivables	$3.03M	$3.17M	$2.46M	$1.80M	$2.66M
Current Assets	$18.27M	$14.94M	$15.31M	$16.08M	$16.98M
Total Assets	$32.86M	$29.11M	$29.37M	$30.17M	$30.62M
Current Liabilities	$8.58M	$4.60M	$4.34M	$4.20M	$4.37M
Total Debt	$789.00K	$1.03M	$961.00K	$929.00K	$854.00K
Total Liabilities	$12.34M	$7.66M	$7.18M	$7.12M	$6.97M
Retained Earnings	-$5.58M	-$5.10M	-$4.42M	-$3.47M	-$2.60M
Shareholders' Equity	$20.52M	$21.45M	$22.18M	$23.05M	$23.65M
Working Capital	$9.69M	$10.33M	$10.98M	$11.89M	$12.62M

MNDO Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$685.00K	$921.00K	$1.17M	$1.21M	$608.00K
Capital Expenditure	-$5.00K	-$5.00K	-$10.00K	-$7.00K	-$2.00K
Free Cash Flow	$680.00K	$916.00K	$1.16M	$1.21M	$606.00K
Depreciation & Amortisation	$74.00K	$79.00K	$49.00K	$68.00K	$69.00K
Stock-Based Compensation	$58.00K	$49.00K	$47.00K	$45.00K	$39.00K
Investing Cash Flow	-$1.82M	$2.97M	$1.27M	$1.85M	-$4.84M
Financing Cash Flow	$0.00	-$4.50M	$0.00	-$130.00K	-$192.00K
Dividends Paid	—	-$4.50M	$0.00	$0.00	—
Share Repurchases	$0.00	—	—	—	-$192.00K
Net Change in Cash	-$1.14M	-$609.00K	$2.44M	$2.94M	-$4.42M

Market Snapshot

About

MIND C.T.I. develops and markets billing and customer care solutions for communication service providers worldwide. The Israel-based company provides software for convergent billing, real-time rating, and customer relationship management.