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Upturn AI Summary - About
MIND CTI Ltd(MNDO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MNDO
10/23/2026: MNDO (1-star) is currently NOT-A-BUY. Pass it for now.
MIND CTI Ltd is a long-standing, profitable provider of billing and customer care software primarily serving the global telecommunications sector. Its business is characterized by a lean operating model, consistent cash generation, and a commitment to dividend payments, making it a stable choice for income-focused investors. The company's primary opportunity lies in upgrading its established customer base to cloud-native platforms. However, it faces significant risks from larger competitors like Amdocs and the ongoing consolidation of its telecommunications clients. Investors should monitor the company's ability to modernize its technology stack and its continued success in securing new, long-term billing contracts in a competitive landscape.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company exhibits slow, steady growth rather than the high-growth trajectory typically sought by this style. |
| Momentum investor | Weak fit | The stock generally exhibits low volatility and limited price momentum. |
| Value investor | Mixed fit | The company is profitable and conservative, though growth prospects are limited. |
| Dividend investor | Strong fit | MIND CTI has a consistent history of paying dividends, making it attractive for income-focused portfolios. |
| Low-risk investor | Strong fit | The company's strong balance sheet and lack of debt provide a degree of safety. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock often trades with lower volume and volatility compared to high-growth tech stocks. |
| Valuation risk | Low | Conservative valuation multiples generally limit the downside risk from valuation compression. |
| Competition risk (Amdocs / Enterprise software) | High | Losing key contracts to larger, more resource-rich incumbents is a constant threat. |
| Business quality | Medium | Consistent profitability is a strength, but limited innovation cycles pose a long-term quality risk. |
| Dividend income | Medium | Dividends are dependent on board approval and consistent operational profits. |
| Execution risk | Medium | Successful implementation of complex billing systems for large clients is critical to avoiding contract losses. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -2.9% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 18.26M USD | Price to earnings Ratio 5.66 | 1Y Target Price - |
Price to earnings Ratio 5.66 | 1Y Target Price - | ||
Volume (30-day avg) 31.0K shares | Beta 0.4 | 52 Weeks Range 0.85 - 1.29 | Updated Date 10/25/2026 |
52 Weeks Range 0.85 - 1.29 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.16 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Billing and Customer Care | Licensing of software, maintenance, and professional services for telecom operators. | Most revenue comes from recurring maintenance contracts and service fees from established telecom clients. |
| Enterprise Call Management | Software for monitoring and managing communication costs within large organizations. | This is a smaller, stable business segment providing communication management tools to private enterprises. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 5.66 | Forward PE 11.63 | Enterprise Value 7.12M | Price to Sales(TTM) 0.94 |
Enterprise Value 7.12M | Price to Sales(TTM) 0.94 | ||
Enterprise Value to Revenue 0.37 | Enterprise Value to EBITDA 2.15 | Shares Outstanding 20.19M | Shares Floating 15.70M |
Shares Outstanding 20.19M | Shares Floating 15.70M | ||
Percent Insiders 22.28 | Percent Institutions 8.09 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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