MIND C.T.I.

MNDO

Software - Application · Technology

Price

$1.00

-0.01 (-0.99%)

Market Cap

$20.4M

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Weak

Cash Flow

Strong

Stability

Exceptional

Valuation

Good

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Share count rising — dilution

+1.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 20.3M (2021) → 20.6M (2025)

Winston Score History

The full picture

MIND C.T.I. Ltd is an Israeli software company that makes billing and analytics tools for telecom companies. Its main products help phone and internet providers track how much customers use their networks, generate bills, and analyze call data. The company sells to mobile operators, fixed-line carriers, and internet service providers around the world.

MIND earns money by selling software licenses and providing ongoing support and maintenance services to its telecom clients. It is headquartered in Israel and operates globally, though it is a small company with a market cap under $100 million. Its long-standing customer relationships and specialized focus on telecom billing give it some stickiness, but the telecom software market is competitive and consolidating, meaning larger vendors could squeeze out smaller players over time.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

55.4%

Premium pricing power — 55.4% gross margin

Profit after running costs

Operating Margin

15.0%

Healthy — 15.0% operating margin

Return on the money invested

ROCE

12.6%

Good — 12.6% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

-3.7%

Shrinking sales (-3.7% YoY)

Profit growth

EPS YoY

+2.5%

Flat earnings

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

96%

Turns 96% of profit into real cash

Spare cash per sale

FCF Margin

16.0%

Converts sales into free cash efficiently (16.0%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

0.01

Conservative — low debt load (0.01)

Covers its interest

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

6.4x

Attractive valuation — P/E 6.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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