CareCloud (CCLD) AI Stock Analysis

• Market Cap: $130.58M
• Dividend Yield: N/A
• Average Volume (3M): 262.39K
• Price to Earnings (P/E): 75.7
• Beta (1Y): 2.60
• Revenue Growth: 2.97%
• EPS Growth: N/A
• Country: US
• Employees: 3,650
• Sector: Healthcare
• Sector Strength: 45
• Industry: Medical - Healthcare Information Services
• EPS (TTM): 0.04
• Shares Outstanding: 42,397,038
• 10 Day Avg. Volume: 256,784
• 30 Day Avg. Volume: 262,390
• PEG Ratio: -0.08
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 0.53
• P/FCF Ratio: 3.12
• Enterprise Value/Market Cap: 1.08
• Enterprise Value/Revenue: 1.23
• Enterprise Value/Gross Profit: 2.65
• Enterprise Value/Ebitda: 5.43
• 1Y Price Target: $6.42
• Price Target Upside: 108.44% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $3.00 ▼(-2.60% Downside)

The score is driven by solid financial performance and a constructive earnings update with raised revenue guidance and improving profitability. These positives are offset by weak technical momentum (below key moving averages with negative MACD) and an expensive valuation (P/E 72.235 with no dividend yield provided).

Positive Factors

Revenue Growth

The consistent revenue growth indicates strong demand for CareCloud's solutions, enhancing its market position and supporting long-term expansion.

AI Innovation

Focusing on AI innovation can drive operational efficiencies and create competitive advantages, positioning CareCloud as a leader in healthcare technology.

Strategic Acquisitions

These acquisitions expand CareCloud's market reach and enhance its capabilities, supporting long-term growth and diversification in healthcare solutions.

Negative Factors

Gross Margin Pressure

Declining gross margins suggest rising costs, which may pressure profitability unless mitigated by operational efficiencies or pricing strategies.

Debt from Acquisition

Increased debt from acquisitions can strain financial resources, potentially impacting cash flow and limiting future investment flexibility.

Leadership Changes

While leadership changes can drive innovation, they also pose risks of strategic misalignment or execution challenges during the transition period.

CareCloud Business Overview & Revenue Model

Company Description

CareCloud, Inc., a healthcare information technology (IT) company, provides a suite of cloud-based solutions and related business services to healthcare providers and hospitals primarily in the United States. It operates in two segments, Healthcare IT and Medical Practice Management. The company's Software-as-a-Service platform includes revenue cycle management, practice management, electronic health record, business intelligence, telehealth, and patient experience management solutions, as well as complementary software tools and business services for medical groups and health systems. It serves physicians, nurses, nurse practitioners, physician assistants, and other clinicians that render bills for their services. The company was formerly known as MTBC, Inc. and changed its name to CareCloud, Inc. in March 2021. CareCloud, Inc. was founded in 1999 and is headquartered in Somerset, New Jersey.

How the Company Makes Money

CareCloud generates revenue through multiple key streams, primarily by offering subscription-based services for its cloud-based software products. The company's EHR and practice management systems are available via monthly subscription fees, allowing healthcare providers to access essential tools for managing patient information and billing processes. Additionally, CareCloud earns revenue through its revenue cycle management services, which include billing and collections, helping practices optimize their financial performance. The company may also benefit from partnerships with healthcare organizations that seek integrated solutions, further enhancing its market reach and driving sales. Significant factors contributing to its earnings include the growing demand for digital health solutions, the shift towards value-based care, and the increasing adoption of telehealth services, especially in the wake of the COVID-19 pandemic.

CareCloud Financial Statement Overview

Summary

Solid overall financial profile with stable leverage (debt-to-equity 0.17) and improved profitability (net margin 8.61%, ROE 18.07%). Cash generation is healthy (operating cash flow to net income 1.08; free cash flow growth 2.9%), though the drop in gross margin to 30.55% indicates ongoing cost pressure.

Income Statement

CareCloud's income statement shows a positive trajectory with a recent revenue growth rate of 2.26% TTM, indicating recovery from previous declines. The gross profit margin has decreased from 45.11% to 30.55% TTM, suggesting increased cost pressures. However, the net profit margin improved to 8.61% TTM, reflecting better cost management and profitability. The EBIT and EBITDA margins have shown improvement, indicating enhanced operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a low debt-to-equity ratio of 0.17 TTM, indicating prudent leverage management. Return on equity improved to 18.07% TTM, showcasing effective use of equity to generate profits. The equity ratio remains strong, suggesting a solid capital structure with a good proportion of equity financing.

Cash Flow

Cash flow analysis reveals a healthy operating cash flow to net income ratio of 1.08 TTM, indicating strong cash generation relative to net income. Free cash flow growth is positive at 2.9% TTM, supporting future investments and debt servicing. The free cash flow to net income ratio of 0.89 TTM highlights efficient cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	114.31M	110.84M	117.06M	138.83M	139.60M	105.12M
Gross Profit	53.14M	49.99M	46.24M	54.39M	52.68M	40.30M
EBITDA	25.91M	25.05M	-31.29M	21.02M	19.70M	4.80M
Net Income	11.21M	7.85M	-48.67M	5.43M	2.84M	-8.81M
Balance Sheet
Total Assets	90.58M	71.61M	77.83M	136.17M	140.85M	138.00M
Cash, Cash Equivalents and Short-Term Investments	5.07M	5.14M	3.33M	12.30M	9.34M	20.93M
Total Debt	9.67M	3.47M	14.73M	13.81M	16.87M	11.47M
Total Liabilities	32.77M	21.84M	36.11M	34.48M	42.92M	36.75M
Stockholders Equity	57.80M	49.77M	41.72M	101.69M	97.93M	101.25M
Cash Flow
Free Cash Flow	21.52M	18.95M	3.85M	9.38M	2.77M	-8.64M
Operating Cash Flow	25.11M	20.64M	15.46M	21.15M	13.33M	-892.00K
Investing Cash Flow	-23.46M	-7.41M	-11.61M	-11.77M	-23.15M	-31.47M
Financing Cash Flow	648.00K	-11.26M	-13.29M	-7.65M	-519.00K	33.42M

CareCloud Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCLD, the sentiment is Positive. The current price of 3.08 is below the 20-day moving average (MA) of 3.11, below the 50-day MA of 3.09, and above the 200-day MA of 2.64, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 50.52 is Neutral, neither overbought nor oversold. The STOCH value of 57.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCLD.

CareCloud Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCLD	60 Neutral	$130.58M	75.68	21.49%	―	2.97%	―
AMWL	55 Neutral	$84.64M	-0.72	-38.35%	―	4.33%	50.50%
BEAT	52 Neutral	$81.29M	-3.56	-792.01%	―	―	4.31%
Sector *	51 Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%
FORA	49 Neutral	$65.87M	-77.37	-2.94%	―	42.60%	67.76%

CareCloud Corporate Events

CareCloud Announces Leadership Realignment to Advance AI Strategy

On December 29, 2025, CareCloud announced a leadership realignment effective January 1, 2026, with A. Hadi Chaudhry transitioning from Co-Chief Executive Officer to Chief Strategy Officer to lead the company’s enterprise AI vision and platform innovation, while Stephen Snyder moves from Co-Chief Executive Officer to Chief Executive Officer to drive execution, financial performance and the scaling of AI-enabled solutions across ambulatory and hospital markets. As part of the same move, CareCloud set new employment terms for both executives, including base salaries of $300,000 for Chaudhry and $350,000 for Snyder, bonus opportunities tied to board-set objectives, and potential severance of up to 24 months’ salary and bonus, and also amended the contracts of Executive Chairman and Founder Mahmud Haq and President Crystal Williams to raise their salaries and extend agreements, underscoring a broader shift to an execution-focused operating model aimed at capitalizing on the company’s strengthened financial profile and recent expansion into the inpatient software market via acquisitions such as Medsphere Systems and HFMA MAP App.

The most recent analyst rating on (CCLD) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on CareCloud stock, see the CCLD Stock Forecast page.

CareCloud Mourns Loss of Director John Daly

CareCloud announced the passing of Mr. John N. Daly, a respected director of the company, who served since July 2014, on November 24, 2025. His passing marks a significant loss for the company, impacting its leadership and potentially affecting its strategic direction.

The most recent analyst rating on (CCLD) stock is a Buy with a $8.00 price target. To see the full list of analyst forecasts on CareCloud stock, see the CCLD Stock Forecast page.

CareCloud Plans Double Dividends for Series B Stock

CareCloud announced a plan to pay double monthly dividends on its Series B Preferred Stock starting January 2026, aiming to address 14 months of accumulated unpaid dividends from November 2023 through December 2024. This decision reflects CareCloud’s successful financial turnaround, with improved margins and growing recurring revenues, and is designed to fulfill obligations to shareholders without diluting common stock. The double payments are expected to continue until the arrears are fully satisfied, anticipated by the end of the first quarter of 2027.

The most recent analyst rating on (CCLD) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on CareCloud stock, see the CCLD Stock Forecast page.

CareCloud Reports Strong Q3 2025 Financial Results

On November 6, 2025, CareCloud announced its third-quarter 2025 financial results, reporting a 9% year-over-year revenue increase and its sixth consecutive quarter of positive GAAP net income. The company raised its full-year revenue guidance to $117-$119 million, driven by successful acquisitions and AI initiatives, positioning itself as a growing leader in the healthcare technology sector.

The most recent analyst rating on (CCLD) stock is a Hold with a $3.50 price target. To see the full list of analyst forecasts on CareCloud stock, see the CCLD Stock Forecast page.

CareCloud Declares Dividends for Preferred Stock

On October 7, 2025, CareCloud announced that its Board of Directors declared monthly cash dividends for its Series A and Series B Cumulative Redeemable Perpetual Preferred Stock for October, November, and December 2025. This decision reflects the company’s commitment to providing consistent returns to its shareholders, despite the recent mandatory conversion of Series A Preferred Stock into common stock and its subsequent delisting from Nasdaq. The dividends are part of CareCloud’s strategy to maintain shareholder value and confidence in its financial stability.

The most recent analyst rating on (CCLD) stock is a Hold with a $4.00 price target. To see the full list of analyst forecasts on CareCloud stock, see the CCLD Stock Forecast page.