MITEK SYSTEMS INC (MITK) Stock Fundamental Analysis

NASDAQ:MITK • US6067102003

13.4 USD
+1.89 (+16.42%)
At close: Feb 13, 2026
13.1704 USD
-0.23 (-1.71%)
After Hours: 2/13/2026, 8:25:32 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

MITK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 276 industry peers in the Software industry. MITK has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on MITK.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year MITK was profitable.
  • In the past year MITK had a positive cash flow from operations.
  • Each year in the past 5 years MITK has been profitable.
  • MITK had a positive operating cash flow in each of the past 5 years.
MITK Yearly Net Income VS EBIT VS OCF VS FCFMITK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

1.2 Ratios

  • With a decent Return On Assets value of 1.92%, MITK is doing good in the industry, outperforming 62.45% of the companies in the same industry.
  • MITK's Return On Equity of 3.66% is fine compared to the rest of the industry. MITK outperforms 64.26% of its industry peers.
  • The Return On Invested Capital of MITK (3.68%) is better than 69.68% of its industry peers.
  • MITK had an Average Return On Invested Capital over the past 3 years of 3.01%. This is significantly below the industry average of 10.91%.
  • The last Return On Invested Capital (3.68%) for MITK is above the 3 year average (3.01%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.92%
ROE 3.66%
ROIC 3.68%
ROA(3y)1.56%
ROA(5y)1.49%
ROE(3y)3.03%
ROE(5y)3%
ROIC(3y)3.01%
ROIC(5y)3.2%
MITK Yearly ROA, ROE, ROICMITK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

1.3 Margins

  • The Profit Margin of MITK (4.90%) is better than 63.54% of its industry peers.
  • In the last couple of years the Profit Margin of MITK has declined.
  • With a decent Operating Margin value of 10.87%, MITK is doing good in the industry, outperforming 76.17% of the companies in the same industry.
  • MITK's Operating Margin has declined in the last couple of years.
  • MITK has a better Gross Margin (85.09%) than 92.06% of its industry peers.
  • In the last couple of years the Gross Margin of MITK has remained more or less at the same level.
Industry RankSector Rank
OM 10.87%
PM (TTM) 4.9%
GM 85.09%
OM growth 3Y-1.17%
OM growth 5Y-2.03%
PM growth 3Y32.91%
PM growth 5Y-8.66%
GM growth 3Y-0.39%
GM growth 5Y-0.44%
MITK Yearly Profit, Operating, Gross MarginsMITK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • MITK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, MITK has more shares outstanding
  • Compared to 5 years ago, MITK has more shares outstanding
  • The debt/assets ratio for MITK has been reduced compared to a year ago.
MITK Yearly Shares OutstandingMITK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
MITK Yearly Total Debt VS Total AssetsMITK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.2 Solvency

  • MITK has an Altman-Z score of 2.22. This is not the best score and indicates that MITK is in the grey zone with still only limited risk for bankruptcy at the moment.
  • With a Altman-Z score value of 2.22, MITK perfoms like the industry average, outperforming 59.21% of the companies in the same industry.
  • The Debt to FCF ratio of MITK is 2.89, which is a good value as it means it would take MITK, 2.89 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 2.89, MITK is doing good in the industry, outperforming 64.26% of the companies in the same industry.
  • MITK has a Debt/Equity ratio of 0.65. This is a neutral value indicating MITK is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.65, MITK is doing worse than 70.04% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 2.89
Altman-Z 2.22
ROIC/WACC0.37
WACC9.92%
MITK Yearly LT Debt VS Equity VS FCFMITK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

2.3 Liquidity

  • A Current Ratio of 1.19 indicates that MITK should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.19, MITK is doing worse than 65.34% of the companies in the same industry.
  • MITK has a Quick Ratio of 1.19. This is a normal value and indicates that MITK is financially healthy and should not expect problems in meeting its short term obligations.
  • MITK's Quick ratio of 1.19 is on the low side compared to the rest of the industry. MITK is outperformed by 64.62% of its industry peers.
Industry RankSector Rank
Current Ratio 1.19
Quick Ratio 1.19
MITK Yearly Current Assets VS Current LiabilitesMITK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • MITK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.34%, which is quite good.
  • The Earnings Per Share has been growing slightly by 7.68% on average over the past years.
  • The Revenue has been growing slightly by 4.42% in the past year.
  • Measured over the past years, MITK shows a quite strong growth in Revenue. The Revenue has been growing by 12.15% on average per year.
EPS 1Y (TTM)11.34%
EPS 3Y2.91%
EPS 5Y7.68%
EPS Q2Q%73.33%
Revenue 1Y (TTM)4.42%
Revenue growth 3Y7.68%
Revenue growth 5Y12.15%
Sales Q2Q%18.76%

3.2 Future

  • Based on estimates for the next years, MITK will show a small growth in Earnings Per Share. The EPS will grow by 7.76% on average per year.
  • Based on estimates for the next years, MITK will show a quite strong growth in Revenue. The Revenue will grow by 8.53% on average per year.
EPS Next Y7.05%
EPS Next 2Y7.55%
EPS Next 3Y7.76%
EPS Next 5YN/A
Revenue Next Year8.66%
Revenue Next 2Y8.2%
Revenue Next 3Y8.53%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MITK Yearly Revenue VS EstimatesMITK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50M 100M 150M 200M
MITK Yearly EPS VS EstimatesMITK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.41, MITK is valued correctly.
  • Based on the Price/Earnings ratio, MITK is valued cheaper than 84.12% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.68. MITK is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 11.94 indicates a reasonable valuation of MITK.
  • Based on the Price/Forward Earnings ratio, MITK is valued cheaper than 81.95% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of MITK to the average of the S&P500 Index (28.06), we can say MITK is valued rather cheaply.
Industry RankSector Rank
PE 12.41
Fwd PE 11.94
MITK Price Earnings VS Forward Price EarningsMITK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, MITK is valued cheaply inside the industry as 87.00% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, MITK is valued cheaply inside the industry as 87.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.21
EV/EBITDA 10.85
MITK Per share dataMITK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

  • MITK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • MITK has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.76
PEG (5Y)1.62
EPS Next 2Y7.55%
EPS Next 3Y7.76%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • MITK does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

MITEK SYSTEMS INC

NASDAQ:MITK (2/13/2026, 8:25:32 PM)

After market: 13.1704 -0.23 (-1.71%)

13.4

+1.89 (+16.42%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-05
Earnings (Next)05-06
Inst Owners77.55%
Inst Owner Change-91.17%
Ins Owners2.92%
Ins Owner Change8.44%
Market Cap607.29M
Revenue(TTM)179.69M
Net Income(TTM)8.80M
Analysts81.82
Price Target14.03 (4.7%)
Short Float %5.22%
Short Ratio3.52
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.62%
Min EPS beat(2)14.53%
Max EPS beat(2)30.72%
EPS beat(4)4
Avg EPS beat(4)20.82%
Min EPS beat(4)1.42%
Max EPS beat(4)36.62%
EPS beat(8)5
Avg EPS beat(8)16.27%
EPS beat(12)9
Avg EPS beat(12)19.47%
EPS beat(16)12
Avg EPS beat(16)18.64%
Revenue beat(2)2
Avg Revenue beat(2)4.66%
Min Revenue beat(2)1.85%
Max Revenue beat(2)7.47%
Revenue beat(4)4
Avg Revenue beat(4)4.36%
Min Revenue beat(4)0.88%
Max Revenue beat(4)7.47%
Revenue beat(8)5
Avg Revenue beat(8)0.48%
Revenue beat(12)8
Avg Revenue beat(12)3.71%
Revenue beat(16)10
Avg Revenue beat(16)3.74%
PT rev (1m)3.77%
PT rev (3m)5.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.6%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.13%
Valuation
Industry RankSector Rank
PE 12.41
Fwd PE 11.94
P/S 3.38
P/FCF 11.21
P/OCF 10.97
P/B 2.53
P/tB 9.06
EV/EBITDA 10.85
EPS(TTM)1.08
EY8.06%
EPS(NY)1.12
Fwd EY8.37%
FCF(TTM)1.2
FCFY8.92%
OCF(TTM)1.22
OCFY9.11%
SpS3.96
BVpS5.3
TBVpS1.48
PEG (NY)1.76
PEG (5Y)1.62
Graham Number11.35
Profitability
Industry RankSector Rank
ROA 1.92%
ROE 3.66%
ROCE 7.81%
ROIC 3.68%
ROICexc 7.07%
ROICexgc 41.08%
OM 10.87%
PM (TTM) 4.9%
GM 85.09%
FCFM 30.15%
ROA(3y)1.56%
ROA(5y)1.49%
ROE(3y)3.03%
ROE(5y)3%
ROIC(3y)3.01%
ROIC(5y)3.2%
ROICexc(3y)5.2%
ROICexc(5y)5.38%
ROICexgc(3y)32.16%
ROICexgc(5y)28.81%
ROCE(3y)4.95%
ROCE(5y)4.81%
ROICexgc growth 3Y3.88%
ROICexgc growth 5Y5.78%
ROICexc growth 3Y9.75%
ROICexc growth 5Y-8.29%
OM growth 3Y-1.17%
OM growth 5Y-2.03%
PM growth 3Y32.91%
PM growth 5Y-8.66%
GM growth 3Y-0.39%
GM growth 5Y-0.44%
F-Score6
Asset Turnover0.39
Health
Industry RankSector Rank
Debt/Equity 0.65
Debt/FCF 2.89
Debt/EBITDA 4.46
Cap/Depr 7.47%
Cap/Sales 0.64%
Interest Coverage 16.78
Cash Conversion 158.17%
Profit Quality 616.02%
Current Ratio 1.19
Quick Ratio 1.19
Altman-Z 2.22
F-Score6
WACC9.92%
ROIC/WACC0.37
Cap/Depr(3y)7.17%
Cap/Depr(5y)8.92%
Cap/Sales(3y)0.69%
Cap/Sales(5y)0.8%
Profit Quality(3y)639.82%
Profit Quality(5y)641.9%
High Growth Momentum
Growth
EPS 1Y (TTM)11.34%
EPS 3Y2.91%
EPS 5Y7.68%
EPS Q2Q%73.33%
EPS Next Y7.05%
EPS Next 2Y7.55%
EPS Next 3Y7.76%
EPS Next 5YN/A
Revenue 1Y (TTM)4.42%
Revenue growth 3Y7.68%
Revenue growth 5Y12.15%
Sales Q2Q%18.76%
Revenue Next Year8.66%
Revenue Next 2Y8.2%
Revenue Next 3Y8.53%
Revenue Next 5YN/A
EBIT growth 1Y256.78%
EBIT growth 3Y6.43%
EBIT growth 5Y9.87%
EBIT Next Year11.8%
EBIT Next 3Y12.32%
EBIT Next 5YN/A
FCF growth 1Y79.12%
FCF growth 3Y29.04%
FCF growth 5Y18.37%
OCF growth 1Y74.64%
OCF growth 3Y28.06%
OCF growth 5Y18.07%

MITEK SYSTEMS INC / MITK FAQ

What is the ChartMill fundamental rating of MITEK SYSTEMS INC (MITK) stock?

ChartMill assigns a fundamental rating of 5 / 10 to MITK.


What is the valuation status for MITK stock?

ChartMill assigns a valuation rating of 7 / 10 to MITEK SYSTEMS INC (MITK). This can be considered as Undervalued.


How profitable is MITEK SYSTEMS INC (MITK) stock?

MITEK SYSTEMS INC (MITK) has a profitability rating of 6 / 10.


What is the earnings growth outlook for MITEK SYSTEMS INC?

The Earnings per Share (EPS) of MITEK SYSTEMS INC (MITK) is expected to grow by 7.05% in the next year.