What are the investment strengths of CareCloud Inc (CCLD)?

Best-in-class profitability: 10.4% operating margin is 5x industry median with 19% ROIC generating real shareholder value in fragmented healthcare IT. Strong FCF conversion: 17.7M FCF on 28M EBITDA (63% conversion) with near-zero net debt (2.6M) provides M&A optionality.

What are the investment risks for CareCloud Inc (CCLD)?

Revenue stagnation: 5-year revenue growth of -0.4% vs industry median +8% suggests market share loss or secular headwinds in core business. Acquisition dependency: 16M purchase of business TTM while goodwill is 53% of equity - growth requires M&A with integration risk.

CareCloud Inc

CCLD

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CareCloud Inc AI Insights

Informational only. Not investment advice.

As of 2025-12-26

Snapshot

ROE TTM of 21.5% vs industry median 0.6% - 35x outperformance signals exceptional capital efficiency in healthcare IT services.[Return on Equity]
Goodwill of 30.4M is 53% of equity (57.8M) - tangible book just 6.1M creates material impairment risk from acquisitions.[Goodwill]
FCF TTM of 17.7M on 114M revenue = 15.5% FCF margin with minimal debt (0.17 D/E) funds growth without dilution.[Free Cash Flow]

Watch Triggers

Total Revenue TTM: Organic growth turns positive (>3%) — Would signal turnaround from 5-year decline, validating margin story has revenue support.
Goodwill: Exceeds 60% of equity or impairment charge — At 53% already, further M&A without integration success could trigger writedowns.
Free Cash Flow TTM: Falls below 10M or conversion drops under 50% — FCF funds preferred dividends (1.5M) and M&A - deterioration limits strategic options.

Bull Case

Best-in-class profitability: 10.4% operating margin is 5x industry median with 19% ROIC generating real shareholder value in fragmented healthcare IT.

Operating Margin TTMROIC TTMROE TTM

Strong FCF conversion: 17.7M FCF on 28M EBITDA (63% conversion) with near-zero net debt (2.6M) provides M&A optionality.

Free Cash Flow TTMNet DebtDebt to Equity

Bear Case

Revenue stagnation: 5-year revenue growth of -0.4% vs industry median +8% suggests market share loss or secular headwinds in core business.

Total Revenue 5yr GrowthTotal Revenue TTM

Acquisition dependency: 16M purchase of business TTM while goodwill is 53% of equity - growth requires M&A with integration risk.

Purchase of BusinessGoodwillTangible Book Value

Bull vs Bear Balance

AI-generated sentiment analysis based on fundamental metrics and market conditions.

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Forward Thesis

Margin expansion likely to continue as operating leverage kicks in on stable revenue base.

1-3ymed

Operating margin 10.4% vs 2% industry median
EBITDA 28M on 114M revenue = 24.5% margin
SG&A only 6M vs 128M industry median

Net margin 9.8% vs 0.1% industry medianAsset turnover 1.42x vs 0.79x medianROIC 19% vs 0.3% industry median

Valuation Context

Caveats

CCLD Fundamentals

Health Care and Social Assistance → Ambulatory Health Care Services

Metric	Value	YoY Growth	Industry Percentile
Market Cap	$99.86M		—
Enterprise Value	$102.24M		—
P/E Ratio	18		—
Total Revenue - TTM	$124.14M	+10.3%	—
Earnings Per Share (diluted) - TTM	$0.13		—
Operating Margin - TTM	8.39%	-1.7%	—
Net Margin - TTM	7.87%	-1.1%	—
Free Cash Flow - TTM	$19.27M	+31.3%	—
Return on Common Equity - TTM	17.4%	-3.6%	—
Beta 5Y (Monthly)	unknown		—

CCLD Dividend History

No dividends

CCLD Stock Splits

No stock splits

CCLD SEC Filings

Filing Date	Report Date	Report Type	Filing Link
05/07/26	03/31/26	10-Q	0001493152-26-021730
03/12/26	12/31/25	Unknown	0001493152-26-009872
11/06/25	09/30/25	10-Q	0001493152-25-021079
08/05/25	06/30/25	10-Q	0001641172-25-022265
05/06/25	03/31/25	10-Q	0001641172-25-008857
03/13/25	12/31/24	Unknown	0001493152-25-010217
11/12/24	09/30/24	10-Q	0001493152-24-044794
08/13/24	06/30/24	10-Q	0001493152-24-031637
05/14/24	03/31/24	10-Q	0001493152-24-019276
03/21/24	12/31/23	10-K	0001493152-24-010800
11/02/23	09/30/23	10-Q	0001493152-23-039155
08/03/23	06/30/23	10-Q	0001493152-23-026627
05/04/23	03/31/23	10-Q	0001493152-23-015456
03/02/23	12/31/22	10-K	0001493152-23-006580
11/03/22	09/30/22	10-Q	0001493152-22-030349
08/04/22	06/30/22	10-Q	0001493152-22-021344
05/09/22	03/31/22	10-Q	0001493152-22-012566
03/14/22	12/31/21	10-K	0001493152-22-006785
11/04/21	09/30/21	10-Q	0001493152-21-027262
08/05/21	06/30/21	10-Q	0001493152-21-018734
05/06/21	03/31/21	10-Q	0001493152-21-010632
02/25/21	12/31/20	10-K	0001493152-21-004837
11/09/20	09/30/20	10-Q	0001493152-20-020828
08/13/20	06/30/20	10-Q	0001493152-20-015546
05/14/20	03/31/20	10-Q	0001493152-20-008771
02/28/20	12/31/19	10-K	0001493152-20-003146
11/06/19	09/30/19	10-Q	0001493152-19-016556
08/07/19	06/30/19	10-Q	0001493152-19-011799
05/08/19	03/31/19	10-Q	0001493152-19-006582
03/20/19	12/31/18	10-K	0001493152-19-003653
11/07/18	09/30/18	10-Q	0001493152-18-015353
08/08/18	06/30/18	10-Q	0001493152-18-011173
05/15/18	03/31/18	10-Q	0001493152-18-007094
03/07/18	12/31/17	10-K	0001493152-18-003026
11/06/17	09/30/17	10-Q	0001493152-17-012483
08/03/17	06/30/17	10-Q	0001493152-17-008463
05/10/17	03/31/17	10-Q	0001493152-17-004970
03/31/17	12/31/16	10-K	0001493152-17-003230
11/10/16	09/30/16	10-Q	0001493152-16-014750
08/11/16	06/30/16	10-Q	0001493152-16-012227
05/11/16	03/31/16	10-Q	0001144204-16-100861
03/24/16	12/31/15	10-K	0001144204-16-090133
11/12/15	09/30/15	10-Q	0001144204-15-064741
08/12/15	06/30/15	10-Q	0001144204-15-048571
05/13/15	03/31/15	10-Q	0001144204-15-030176
03/31/15	12/31/14	10-K	0001144204-15-019947
11/12/14	09/30/14	10-Q	0001144204-14-067258
08/28/14	06/30/14	10-Q	0001144204-14-052829
07/23/14	03/31/14	424B4	0001144204-14-044307
07/23/14	12/31/13	424B4	0001144204-14-044307
03/31/15	09/30/13	10-Q/A	0001144204-15-019950
12/20/13	09/30/13	S-1	0001144204-13-068422
08/28/14	06/30/13	10-Q	0001144204-14-052829
07/23/14	03/31/13	424B4	0001144204-14-044307
12/20/13	12/31/12	S-1	0001144204-13-068422
12/20/13	09/30/12	S-1	0001144204-13-068422