Stocktoria
MIND CTI LTD MNDO
MIND CTI LTD (MNDO) earns a Piotroski F-score of 4/9 (mixed financial health), with an Altman Z″ in the safe zone. It pays a dividend yielding 21.66% (safety: at-risk). FY2025 revenue was $19.5M at a 13.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.99 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.394 |
| Retained earnings / assets | -0.115 |
| EBIT / assets | 0.069 |
| Equity / liabilities | 3.239 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| MNDO | MIND CTI LTD | 4/9 | 6.08 | 8 | -9.3% |
| XTIA | XTI Aerospace, Inc. | 4/9 | -9.14 | — | — |
| CYCU | Cycurion, Inc. | 1/9 | -7.84 | — | -14.8% |
| MGRT | Mega Fortune Co Ltd | 2/9 | 10.49 | 592.9 | — |
| GGRP | Glimpse Group, Inc. | 4/9 | -2.47 | — | — |
| AGMH | AGM GROUP HOLDINGS, INC. | 5/9 | 2.89 | 3.8 | -4.6% |
| RGTI | Rigetti Computing, Inc. | 3/9 | 4.5 | — | -34.3% |
About MIND CTI LTD
MIND C.T.I. Ltd., together with its subsidiaries, develops, manufactures, markets, sells, and implements billing and customer care software solutions 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 a point-of-sale solution that covers dealer, store and cashier management, and sales cycle related activities, as well as UC analytics solutions and call accounting systems. In addition, the company offers professional services comprising turnkey project delivery, customer support and maintenance, integration, customizations, and project management; and managed services, including day to day billing operational tasks. 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; and a mobile messaging platform. 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 and 5G carriers, and mobile virtual network operators. MIND C.T.I. Ltd. was incorporated in 1995 and is headquartered in Yokneam Illit, Israel.
FAQ
Is MNDO financially healthy?
MIND CTI LTD's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does MNDO pay a dividend, and is it safe?
Yes. MIND CTI LTD pays a dividend yielding about 21.66% with a 172.9% payout ratio, rated “at-risk” for safety.
How profitable is MNDO?
In FY2025, MIND CTI LTD had a net margin of 13.4% and a return on equity of 11.3%.
Is MNDO overvalued or undervalued?
MIND CTI LTD trades at about 7.8× trailing earnings — below its 10-year norm (10-year range 8.3×–10.4×, median 9.1×). Stocktoria reports the data, not buy/sell advice.
Is MNDO a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on MIND CTI LTD: a Piotroski F-score of 4/9, an Altman Z″ in the safe zone, a P/E of about 8.0×, a dividend yield of 21.66%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.