CareCloud (CCLD) AI Stock Analysis

• Market Cap: $121.89M
• Dividend Yield: N/A
• Average Volume (3M): 364.70K
• Price to Earnings (P/E): ―
• Beta (1Y): 2.54
• 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: 42,322,040
• 10 Day Avg. Volume: 292,925
• 30 Day Avg. Volume: 364,701
• 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: 0.76
• Enterprise Value/Revenue: 0.81
• Enterprise Value/Gross Profit: 1.75
• Enterprise Value/Ebitda: 3.58
• 1Y Price Target: $6.00
• Price Target Upside: 99.34% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $3.50 ▲(16.28% Upside)

CareCloud's overall stock score reflects a solid financial performance and positive earnings call insights, tempered by a high valuation and mixed technical indicators. The company's strategic acquisitions and AI advancements are promising, but the high P/E ratio and potential overbought technical conditions suggest caution. The company's ability to manage debt and leverage growth opportunities will be crucial for future performance.

Positive Factors

Revenue Growth

The 9% YoY revenue growth indicates strong demand for CareCloud's solutions, suggesting robust market positioning and potential for sustained expansion.

AI Advancements

AI advancements like the Agentic AI solution enhance operational efficiency and customer satisfaction, offering a competitive edge in healthcare technology.

Strategic Acquisitions

Strategic acquisitions bolster CareCloud's market presence and capabilities, potentially driving long-term growth and diversification in healthcare services.

Negative Factors

Debt from Acquisitions

The debt from the Medsphere acquisition could strain financial resources, affecting cash flow and limiting future investment opportunities.

Gross Margin Pressure

Decreasing gross margins indicate rising costs, which could pressure profitability and require strategic cost management to maintain financial health.

Leadership Changes

The loss of a long-serving director may affect strategic direction and leadership stability, potentially impacting decision-making and company culture.

CareCloud Business Overview & Revenue Model

Company Description

CareCloud (CCLD) is a healthcare technology company that provides a comprehensive suite of solutions designed to enhance the operational efficiency of medical practices and healthcare organizations. Operating primarily in the healthcare sector, CareCloud specializes in cloud-based software solutions, including electronic health records (EHR), practice management, revenue cycle management, and telehealth services. The company aims to streamline healthcare workflows and improve patient engagement through innovative technology.

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

CareCloud demonstrates a solid financial performance with improving profitability and stable financial health. The company has effectively managed its costs and leverage, resulting in enhanced margins and returns. While there are cost pressures affecting gross margins, the overall trajectory is positive, with strong cash flow generation supporting future growth.

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: 3.01
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 3.01 is below the 20-day moving average (MA) of 3.08, below the 50-day MA of 3.17, and above the 200-day MA of 2.55, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 58.64 is Neutral, neither overbought nor oversold. The STOCH value of 87.76 is Negative, 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	61 Neutral	$121.89M	―	21.49%	―	2.97%	―
Sector *	51 Neutral	$7.86B	-0.30	-43.30%	2.27%	22.53%	-2.21%
FORA	49 Neutral	$66.81M	―	-2.94%	―	42.60%	67.76%
AMWL	48 Neutral	$81.57M	―	-38.35%	―	4.33%	50.50%
BEAT	34 Underperform	$56.61M	-2.37	-792.01%	―	―	4.31%

CareCloud Corporate Events

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.

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.

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.

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.

CareCloud Secures $10M Credit Facility from Provident Bank

On September 3, 2025, CareCloud, Inc. secured a $10 million credit facility from Provident Bank, replacing a previous obligation to Wells Fargo. This move, which involved borrowing $8.3 million to support the acquisition of Medsphere Systems Corp., provides more favorable terms and strengthens CareCloud’s liquidity, enhancing its ability to execute its growth strategy.