Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
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
09/25/2026: MNDO (1-star) is currently NOT-A-BUY. Pass it for now.
MIND CTI Ltd is a specialized provider of billing and customer care software for the telecommunications and enterprise sectors. The stock is best suited for income-focused investors who value its debt-free balance sheet and history of consistent dividend payments. While the company has a stable core business, it faces significant risks from larger competitors and limited growth in its niche market. Its primary growth opportunity lies in transitioning its legacy systems to modern, cloud-native architectures. Investors should monitor the company's ability to retain key telecom clients and successfully execute its cloud-modernization strategy, as these factors will be critical to maintaining its dividend capacity and competitive relevance.
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 a mature, slow-growth profile rather than the rapid expansion sought by growth investors. |
| Momentum investor | Weak fit | The stock lacks the high volatility and upward price trends required for momentum strategies. |
| Value investor | Mixed fit | While the balance sheet is clean, the lack of strong growth catalysts makes valuation assessment nuanced. |
| Dividend investor | Strong fit | MIND CTI's history of regular, significant dividend payouts makes it attractive for income-oriented investors. |
| Low-risk investor | Mixed fit | While the balance sheet is solid, the small market cap and low liquidity can lead to price fluctuations. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock's low trading volume can lead to sudden price swings. |
| Valuation risk | Low | Conservative financial management helps mitigate extreme overvaluation risks. |
| Competition risk (Telecom Software) | High | The company faces constant pressure from much larger, well-funded global software competitors. |
| Business quality | Medium | The company has a stable core business but limited ability to scale rapidly. |
| Dividend income | Medium | Future dividends are dependent on the company's ability to maintain stable profitability. |
| Execution risk | Medium | Failure to innovate in its software suite could lead to churn among existing customers. |
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 09/25/2026 |
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 20.19M USD | Price to earnings Ratio 6.25 | 1Y Target Price - |
Price to earnings Ratio 6.25 | 1Y Target Price - | ||
Volume (30-day avg) 40.3K shares | Beta 0.39 | 52 Weeks Range 0.85 - 1.29 | Updated Date 09/26/2026 |
52 Weeks Range 0.85 - 1.29 | Updated Date 09/26/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.16 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Telecom Billing (BCC) | License fees, maintenance, and support for real-time billing systems. | The company gets paid when telecom operators install or maintain its billing software. |
| Enterprise Software | PhonEX ONE software for enterprise call management. | The company earns revenue from businesses looking to track and control communication costs. |
| Geography | Global operations with significant exposure to European and emerging markets. | The company operates worldwide, so currency fluctuations and international market stability can impact earnings. |
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 6.25 | Forward PE 11.63 | Enterprise Value 7.92M | Price to Sales(TTM) 1.04 |
Enterprise Value 7.92M | Price to Sales(TTM) 1.04 | ||
Enterprise Value to Revenue 0.41 | Enterprise Value to EBITDA 2.39 | Shares Outstanding 20.19M | Shares Floating 15.70M |
Shares Outstanding 20.19M | Shares Floating 15.70M | ||
Percent Insiders 22.28 | Percent Institutions 8.09 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About MIND CTI Ltd
Exchange NASDAQ | Headquarters - | ||
IPO Launch date 2000-08-08 | Founder, Interim CEO & Chairman Ms. Monica Iancu | ||
Sector Technology | Industry Software - Application | Full time employees 139 | Website https://mindcti.com |
Full time employees 139 | Website https://mindcti.com | ||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.