Mind C.T.I. Ltd. (MNDO)

Nasdaq: MNDO · Services-Computer Programming Services · Yoqneam Ilit Israel, IL · filing with the SEC since 2000

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Grade5.5

◀ Past 6.4● Present 6.1▶ Future 4.3

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Mind C.T.I. Ltd.

Nine metrics read from its own filings, by tense

Headline grade

5.5/10

◀ Past6.425% of the headline

● Present6.135% of the headline

▶ Future4.340% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.4/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.5/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 22% of this tense · 75th percentile among 34 sector filers · read for itself

From the record

Mind C.T.I. Ltd.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

4.7/10

What has it actually done, year after year?

+0.8% a year over 10 filed years; profitable in 10 of 10.

weight 45% of this tense · 47th percentile among 33 sector filers · read for its customers

From the record

Mind C.T.I. Ltd.'s 10 filed years say what it did: revenue went from $18 million in fiscal 2016 to $19 million in fiscal 2025, up 0.8% a year; it rose in 6 of 9 years; the deepest fall was 26% from fiscal 2021 to fiscal 2025; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span0.8%bottom 23% of its family
the share of years revenue rosebottom 48% of its family
the share of filed years with a profittop 20% of its family
the deepest fall from a revenue peak26.1%bottom 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

8.1/10

How has it treated the people who own it?

Share count grew 0.4% a year. 100% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 81st percentile among 20 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Mind C.T.I. Ltd.'s diluted share count grew about 0.4% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 31% of its family
cash returned against operating cash flowtop 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

6.1/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

7.1/10

Is it financially healthy right now?

ROE 11%: 11¢ of profit per shareholder dollar. Leverage 24%: owes 24¢ per asset dollar.

weight 45% of this tense · 71st percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Mind C.T.I. Ltd. earned about 11 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 33 cents per dollar of everything the company owns. Leverage: it owed about 24 cents per dollar of assets, and net share issuance: its share count grew 0.2% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 30% of its family
return on equitytop 29% of its family
gross profit against assetstop 24% of its family
the share count against the year beforetop 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

4.6/10

How strong is its position in its industry?

bottom 46% of 33 in its family; net margin 13.4%.

weight 33% of this tense · 46th percentile among 33 sector filers · read for its customers

From the record

Mind C.T.I. Ltd.'s standing among 33 graded names in its industry family: revenue of $19 million in fiscal 2025 ranks in the bottom 35% by size; a net margin of 13.4% ranks in the top 26%; revenue growth of -3.3% a year over the last 3 filed years ranks in the bottom 29% (its annual reports).

What it rests on

revenue against the family$19.5Mbottom 35% of its family
net margin13.4%top 26% of its family
three-year revenue growth-3.3%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

6.4/10

What are the people in charge doing?

SI estimate 6.4/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 13 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-04-16 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 13 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-04-16 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 13 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Mind C.T.I. Ltd.'s leadership is put at 6.4 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-04-16 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 13 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

4.3/1040% of the headline grade · 3 of 3 filed

Room to expand

as filed

8.0/10

How much room does it have to grow?

top 21% of 32 in its family for room to expand.

weight 22% of this tense · 79th percentile among 32 sector filers · read for itself

From the record

Mind C.T.I. Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of $8 million against no long-term debt tagged leaves 26.9% of its assets as net cash, top 17% of its family; cash from operations less capital spending is 20.3% of revenue (top 14%); a gross margin of 51% (top 19%); research spending of 20.8% of revenue (top 32%) (its annual report).

What it rests on

cash less debt against assets26.9%top 17% of its family
cash from operations less capital spending against revenue20.3%top 14% of its family
gross margin51.0%top 19% of its family
research spending against revenue20.8%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

3.3/10

What could actually drive growth from here?

bottom 33% of 33 in its family for growth drivers.

weight 45% of this tense · 33rd percentile among 33 sector filers · read for its customers

From the record

Mind C.T.I. Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew -3.3% a year over the last three filed years against 0.8% over all 10, slowing (bottom 38% of its family); the newest year grew -9.3% (bottom 35%); research spending grew 5% a year (bottom 48%); capital spending grew -40.8% a year (bottom 13%) (its annual reports). Mind C.T.I. Ltd. reported 2 lines of business in fiscal 2025: Billing and Related Services at $13 million (65%), Messaging at $7 million (35%); 0 of 2 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span-4.2 points a yearbottom 38% of its family
the newest year's revenue growth-9.3%bottom 35% of its family
three-year growth of research spending5.0%bottom 48% of its family
three-year growth of capital spending-40.8%bottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

3.3/10

Did its newest year beat what its own record pointed to?

bottom 33% of 29 in its family for expectations against reality.

weight 33% of this tense · 33rd percentile among 29 sector filers · read for its shareholders

From the record

Mind C.T.I. Ltd.'s newest year against its own record: revenue of $19 million in fiscal 2025 came in 9.1% below the $21 million its prior three years' pace pointed to (bottom 36% of its family); net income of $3 million against a prior three-year average of $5 million (bottom 29%); a net margin of 13.4% against 23.3% before (bottom 33%) (its annual reports).

What it rests on

revenue against the prior three years' pace-9.1%bottom 36% of its family
net income against the prior three years' average-48%bottom 29% of its family
net margin against its prior average-10.0 pointsbottom 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton MNDO · research, not advice