MIND C.T.I. (MNDO) Stock Analysis & Winston Score

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.

Winston Score History

Score breakdown

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Quality

Gross Margin

53.9%

Healthy — 53.9% gross margin

Operating Margin

18.1%

Healthy — 18.1% operating margin

ROCE

3.8%

Weak — 3.8% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-5.5%

Shrinking sales (-5.5% YoY)

EPS YoY

-23.2%

Earnings shrinking (-23.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

135%

Turns 135% of profit into real cash

FCF Margin

20.5%

Converts sales into free cash efficiently (20.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.01

Conservative — low debt load (0.01)

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

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

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Valuation

P/E Ratio (TTM)

7.3x

no trend

Attractive valuation — P/E 7.3

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

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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