Stock fact sheet · data as of
MIND C.T.I. Ltd (MNDO): fair value, margin of safety and Wheel Score
Ticker symbol MNDO · Technology · Software - Application · Israel · Value Income
Is MNDO undervalued?
At 0.9003 (close of 5 Nov 2026), MNDO trades 60% below the GLS average fair value of 2.24. That average comes from 9 models run on the latest filings, and 7 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns MIND C.T.I. Ltd the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
The 9 models disagree widely: GLS Growth gives 0.4757 while 10 Cap gives 3.37. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, MNDO is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 86, growth score 13, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for MNDO
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 2.96 | +229% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 2.09 | +132% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 2.62 | +191% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.6501 | -28% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.4757 | -47% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 3.37 | +274% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 2.96 | +229% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 3.25 | +261% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 1.81 | +101% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 0.4400 | -51% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - MNDO passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 8.0 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are moderate - ROIC 10.9%, ROE 11.3%, ROA 8.6% - with debt at 0.04 times equity and a free-cash-flow yield of 17.0%.
The dividend yield is high at 24.55% (payout ratio 0%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Service 96%, License 4% (fiscal year FY2025).
Institutional ownership scores 1/10, insider activity 3/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 10.9% |
|---|---|---|---|
| GLS Moat | 8.0 / 10 | ROE | 11.3% |
| Debt / equity | 0.04 | ROA | 8.6% |
| Free-cash-flow yield | 17.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 3 · 5 / 10 |
Wheel Score 37: Weak
MNDO scores 37 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 1, options that actually trade - options too quiet (162 open interest, 14 a day); and filter 7, a premium worth selling - implied volatility 258% (over 80%); and filter 8, big enough - market cap $18M (under $1.0B); and filter 9, not a penny stock - price 0.90 (under $5), and the parts are thin too - value strong, premium weak, moat strong, health good, red flags good, option trading weak, stability fair. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 258%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is thin - 162 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 51k shares a day on a market cap of $18M, with a beta of 0.39 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (162 open interest, 14 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | implied volatility 258% (over 80%) |
| 8 | Big enough | Fails | market cap $18M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 0.90 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 60% below fair value | |
| Premium | Weak | implied volatility 258% | |
| Moat | Strong | moat 8.0/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Good | Red Flags score 85/100 | |
| Option trading | Weak | 14 contracts a day, 162 open interest | |
| Stability | Fair | beta 0.39, $18M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
MIND C.T.I. Ltd reports earnings on 10 Nov 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Software - Application
The 12 companies below are the closest to MIND C.T.I. Ltd by market cap within the Software - Application industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| INLX Intellinetics, Inc. | 4.11 | 4.12 | +0% | 14No options | $18M |
| SAGT SAGTEC GLOBAL Ltd | 0.7950 | 8.77 | +91% | 33No options | $18M |
| PDC Perpetuals.com Ltd | 2.21 | - | - | 7No options | $18M |
| FFR FF EAI Robotics Ecosystem Inc. | 0.9404 | 7.71 | +88% | 24No options | $20M |
| VIDA VIDA Global Inc. | 0.8422 | - | - | 12No options | $17M |
| BMR Beamr Imaging Ltd. | 1.06 | - | - | 9No options | $16M |
| AIFF Firefly Neuroscience, Inc. | 1.04 | - | - | 13No options | $16M |
| BYSD Bayside Corporation | 1.00 | - | - | 12No options | $16M |
| CCG Cheche Group Inc. | 8.25 | 333.16 | +98% | 27No options | $21M |
| VIP Vulcan Infrastructure and Power Inc. Class A | 1.13 | 0.6986 | -62% | 9No options | $16M |
| UPYY UPAY, Inc. | 0.9000 | 0.8858 | -2% | 14No options | $16M |
| PAYD PAID, Inc. | 2.50 | 0.2796 | -794% | 17No options | $21M |
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about MNDO
Is MNDO undervalued right now?
By the GLS models, yes: at 0.9003 the stock is 60% below the average fair value of 2.24 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of MNDO and what does it mean?
MNDO scores 37 out of 100 (Weak) - it fails Wheel Trade Filters 1, 7, 8, 9. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for MNDO?
2.24 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does MIND C.T.I. Ltd report earnings next?
The next earnings report is due on 10 Nov 2026, 5 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does MNDO have listed options, and how liquid are they?
Yes. The nightly snapshot found 24 listed contracts with 162 open interest across all expiries and implied volatility of 258% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.