MIND CTI Ltd (MNDO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of MIND CTI Ltd stock $2.47, price $0.86, upside +185.9%, quality 74 out of 100. Rating: strongly undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
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MIND CTI Ltd
MNDO · USThe stock costs 65% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $0.8640 – $2.29 · fair‑value band $1.93 – $3.08 · the $0.8640 price screens below the $2.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Company profile
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.
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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.
Stock analysis
MIND CTI Ltd (MNDO) currently trades at $0.8640, while our model-based Fair Value estimate is $2.47, implying the stock looks roughly 65% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $2.92 per share, and 23 of the 24 models we run sit above the $0.8640 price.
Bear case: the Asset-Based group reads lowest at $0.4400, and 1 of the 24 models stay below the price. Data coverage for this calculation is low.
Scenario range: $1.93 (bear) to $3.08 (bull), the price of $0.8640 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 74/100 (solid quality), in the Technology sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
MIND CTI Ltd reported revenue of $19.5M in FY2025 versus $26.3M in FY2021, a compound −7.3%/yr. Reported net income was $2.6M in FY2025, compounding −18.7%/yr from FY2021.
Key figures
Market cap $17.5M Micro · P/E ratio 5.4 · P/S ratio 0.90 · EPS (TTM) $0.1600 · Net margin 16.9% · Return on equity 14.4% · Return on assets (EBIT) 14.8% (5-year average) · Operating margin 15.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).
What moves the price
The share trades about 31% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 186%, MNDO screens cheaper than that median.
Fair Value models
All 24 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
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Compare MIND CTI Ltd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 628 stocks
Valuation Multiplesvs Software - Application median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/B ratio by industry
- Net margin by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Adobe Inc ADBE | $239.30 | $463.72 | +94% | vs MNDO |
| Salesforce, Inc CRM | $213.65 | $342.73 | +60% | vs MNDO |
| Uber Technologies, Inc UBER | $68.59 | $101.28 | +48% | vs MNDO |
| Intuit Inc INTU | $341.50 | $459.14 | +34% | vs MNDO |
| ServiceNow, Inc NOW | $101.97 | $112.17 | +10% | vs MNDO |
| SAP SE SAP | €210.75 | €173.59 | −18% | vs MNDO |
| Cadence Design Systems, Inc CDNS | $319.92 | $225.48 | −30% | vs MNDO |
| Automatic Data Processing, Inc ADP | $303.35 | $150.40 | −50% | vs MNDO |
| Shopify Inc SHOP | $148.91 | $64.96 | −56% | vs MNDO |
| Snowflake Inc SNOW | $275.88 | $73.81 | −73% | vs MNDO |
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