MIND C.T.I. Ltd (MNDO)

NASDAQ: MNDO · Real-Time Price · USD

1.020

+0.068 (7.19%)

At close: Jul 24, 2026, 4:00 PM EDT

1.015

-0.005 (-0.49%)

After-hours: Jul 24, 2026, 7:34 PM EDT

MIND C.T.I. Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	19.55	19.46	21.45	21.61	21.55	26.33
Revenue Growth	-5.47%	-9.27%	-0.77%	0.28%	-18.15%	12.65%
Gross Profit	10.15	9.92	10.74	10.87	11.51	13.88
Operating Income	2.64	2.09	4.38	4.75	5.52	6.83
Net Income	2.98	2.6	4.63	5.17	5.29	5.95
Earnings Per Share	0.14	0.13	0.22	0.25	0.26	0.29
EPS Growth	-17.65%	-40.91%	-12.00%	-3.85%	-10.35%	7.41%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Billing and Related Services	12.59	13.62	13.62	13.89	14.36
Messaging	6.86	7.83	7.99	7.66	11.98
Total	19.46	21.45	21.61	21.55	26.33

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	13.96	13.55	15.75	16.6	17.48	18.46
Total Debt	0.85	0.93	0.83	0.64	0.89	1.47
Net Cash (Debt)	13.1	12.62	14.93	15.96	16.59	16.99
Net Cash Growth	-7.22%	-15.43%	-6.48%	-3.80%	-2.32%	11.92%
Net Cash Per Share	0.63	0.61	0.73	0.78	0.81	0.84

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	3.91	3.99	4.11	4.1	4.56	6.9
Capital Expenditures	-0.02	-0.03	-0.01	-0.06	-0.13	-0.08
Free Cash Flow	3.89	3.96	4.1	4.04	4.43	6.82
Free Cash Flow Growth	-0.56%	-3.53%	1.69%	-8.85%	-35.03%	5.99%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gross Margin	51.94%	50.99%	50.07%	50.28%	53.39%	52.72%
Operating Margin	13.49%	10.72%	20.41%	21.97%	25.63%	25.93%
Pretax Margin	16.44%	14.22%	23.15%	25.57%	26.06%	26.14%
Profit Margin	15.26%	13.38%	21.59%	23.91%	24.53%	22.59%
FCF Margin	19.88%	20.35%	19.14%	18.67%	20.55%	25.89%

Dividends

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	-	0.220	0.240	0.240	0.260
Dividend Per Share Growth	-	-8.33%	0%	-7.69%	0%
Dividend Yield	19.13%	12.11%	12.24%	12.38%	8.35%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	7.00	8.85	9.00	7.84	8.08	10.72
P/FCF Ratio	5.35	5.92	9.83	9.80	9.54	9.15
PS Ratio	1.06	1.20	1.88	1.83	1.96	2.37