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CareCloud, Inc (CCLD) Fair Value & Analysis

Healthcare · US · Market cap $92.6M

CI CareCloud, Inc logo CareCloud, Inc CCLD · US
Price$2.63
Fair Value$3.88
Upside+47.7%
Quality62/100
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Healthy Growth
Thin margins · 7.9% net margin
Low debt · generates free cash flow
Ranks above peers (13/14)
Moderate moat 51/100
Evidence: High Range $2.91 – $4.86 Share as image

Fair value as of: Jul 24, 2026

From 26 valuation models · updated 17 days ago

Share price +23.5% over the past month.

A solid business, screening 48% undervalued on our models.

What matters now

  • The price is below even our cautious bear case ($2.91). The market is more pessimistic than our downside scenario.
  • Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (5 years)

$9.00 $0.7475 Fair Value $3.88 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 24, 2026.

How to read this chart

60‑month range $0.7475 – $9.00 · fair‑value band $2.91 – $4.86 · the $2.63 price screens below the $3.88 fair value. Dashed = 300-day average. As of Jul 24, 2026.

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Analysis

CareCloud, Inc (CCLD) currently trades at $2.63, while our model-based Fair Value estimate is $3.88, implying the stock looks roughly 47.7% undervalued today. The Quality Score stands at 62/100 (solid quality), in the Healthcare sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, CareCloud, Inc generated revenue of $124M at a net margin of 7.9%. Revenue grew 13.2% year over year. It earns a return on equity of 17.4%. Net debt stands at $1.2M. Fundamentals as of Jul 24, 2026

Our scenario range runs from $2.91 (bear case) to $4.86 (bull case); at $2.63, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 34% below its 52-week high and 26% above its 52-week low, currently below its 200-day average. For context, the median of 10 Healthcare peers we cover trades at -53% fair-value upside, at 48%, CCLD screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF $4.67 $7.40 $11.22 80
Residual Income $1.36 $1.68 $3.20 76
Rev-Margin DCF $3.39 $5.45 $8.23 74
All 26 models by family
DCF Models
FCF DCF $4.80 $8.09 $13.10 38
Owner Earnings $4.62 $7.78 $12.60 31
5Y Revenue Exit $3.39 $5.47 $8.24 39
5Y EBITDA Exit $5.83 $10.70 $16.99 41
5Y P/E Exit $4.25 $7.32 $10.89 38
10Y Revenue Exit $3.83 $5.87 $8.95 36
10Y EBITDA Exit $5.31 $9.23 $15.46 37
10Y P/E Exit $4.40 $7.06 $10.92 35
Earnings-Based
Graham-Dodd $1.73 $9.21 $12.75 54
Lynch FV $2.54 $3.63 $4.72 50
PEG = 1.0 $2.54 $3.63 $4.72 46
EPV $1.80 $2.01 $2.18 59
Dividend Discount
Gordon GGM $1.03 $1.73 $2.24 70
DDM Multi-Stage $1.03 $1.64 $1.86 61
Multiples
P/E Multiple $4.19 $5.59 $6.99 63
P/S Multiple $3.24 $4.32 $5.40 58
P/B Multiple $3.24 $4.32 $5.40 55
EV/EBIT $3.51 $4.66 $5.81 53
EV/EBITDA $7.10 $9.44 $11.79 54
EV/Revenue $2.53 $3.58 $4.64 43
Asset-Based
NCAV (Graham) $0.7000 $0.9400 $1.40 50
Growth DCF
Growth DCF $4.67 $7.40 $11.22 80
Rev-Margin DCF $3.39 $5.45 $8.23 74
Economic Profit
Residual Income $1.36 $1.68 $3.20 76
ROIC Compounder $1.94 $2.42 $3.01 72
Growth Earnings
Growth-Adj P/E $3.84 $5.49 $7.13 68

Widest divergence: DCF Models ($7.32) versus Asset-Based ($0.9400). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $124M
Revenue growth (YoY) +13.2%
Net margin 7.9%
Return on equity 17.4%
Free cash flow $20.5M FY2025
P/E ratio 16.8
More key figures
Operating margin 3.4%
EPS (TTM) $0.1300
EPS growth (YoY) +5,739%
Net debt $1.2M FY2025

Figures from reported company fundamentals · as of Jul 24, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 62/100

Of which business quality 65 · Market factors (momentum, volatility) 27

Profitability 77
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 79
Earnings quality: real cash, not paper profit
Fin. Strength 78
Balance sheet, leverage, solvency risk
Investment 91
Disciplined investing over empire-building
Low Volatility 11
Calm price path (market factor)
Momentum 31
Price trend over the last 3–12 months (market factor)
52W Momentum 37
Distance to the 52-week high (market factor)
Net Issuance 0
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

CareCloud, Inc., a healthcare information technology company, provides technology-enabled business solutions, Software-as-a-Service offerings, and related business services to healthcare providers and hospitals primarily in the United States. It operates through Healthcare IT and Medical Practice Management segments.

Full company description

CareCloud, Inc., a healthcare information technology company, provides technology-enabled business solutions, Software-as-a-Service offerings, and related business services to healthcare providers and hospitals primarily in the United States. It operates through Healthcare IT and Medical Practice Management segments. The company's proprietary software and business services includes technology-enabled business solutions; cloud-based software; digital health services; healthcare IT professional services and staffing; MAP App; and medical practice management services. It also offers revenue cycle management services, healthcare claims clearinghouse, and medical coding and credentialing services; electronic health records, practice management software and related capabilities, patient experience management solutions, business intelligence and healthcare analytics platforms, and customized applications, interfaces, and various other technology solutions, as well as artificial intelligence, such as CareCloud cirrusAI, AI-powered clinical decision support, AI-powered virtual support assistant, AI-driven appeals, Stratus AI Desk Agent, and CareCloud cirrusAI. In addition, the company provides chronic care management, remote patient monitoring, and telemedicine solutions; professional services; managed services; workforce augmentation; on-demand staffing; and strategic advisory services. Further, it offers medical practice management services to medical practices comprising appropriate facilities, equipment, supplies, support services, nurses, and administrative support staff, as well as management, bill-paying, and financial advisory services. It serves physicians, nurses, nurse practitioners, therapists, 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

CareCloud, Inc reported revenue of $120M in FY2025 versus $140M in FY2021, a compound −3.6%/yr. Reported net income was $10.8M in FY2025, compounding +39.7%/yr from FY2021.

Growth Quality 69/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
$120M
Latest YoY
+8.7%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−4.6%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+2.8%
Avg. growth/yr (14Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+19.4%
Revenue −3.6%/yr
FY21 $140M
FY22 $139M
FY23 $117M
FY24 $111M
FY25 $120M
Net income +39.7%/yr
FY21 $2.8M
FY22 $5.4M
FY23 −$48.7M
FY24 $7.9M
FY25 $10.8M

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Cite: Fair Value Calculator (2026). "CareCloud, Inc Fair Value". https://www.fairvalue-calculator.com/stock/CCLD

Peer Group

Health Information Services · 126 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 62 · Above median
Fair Value upside +48% · Top 25%
Return on equity (TTM) 17% · Top 25%
Return on assets 8% · Top 25%
Net margin (TTM) 8% · Above median
Operating margin (TTM) 3% · Below median
Revenue growth 13% · Above median
Debt / equity 0.01× · Lower than median

Valuation Multiples vs Health Information Services median · lower = cheaper

P/E (TTM) 16.8× · Cheaper than 75% of peers
P/B 1.56× · Cheaper than median
P/S (TTM) 0.75× · Cheaper than 75% of peers
P/FCF 4.5× · Cheaper than median
EV/EBITDA 5.6× · Cheaper than 75% of peers
PEG 0.31× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 97 · sector 0
FUTURE 66 · sector 33
PAST 69 · sector 8
HEALTH 100 · sector 98
DIVIDEND 0 · sector 35

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Health Information Services stocks, each showing price versus our Fair Value estimate (as of Jul 24, 2026).

Stock Price Fair Value vs Fair Value
Veeva Systems Inc VEEV $190.12 $95.12 -50%
Pro Medicus Limited PME A$194.84 A$23.74 -88%
BrightSpring Health Services, Inc BTSG $68.16 $21.31 -69%
HealthEquity, Inc HQY $97.67 $56.63 -42%
Hinge Health, Inc HNGE $88.80 $24.03 -73%
10x Genomics, Inc TXG $45.75 $17.18 -62%
Waystar Holding WAY $22.69 $12.86 -43%
Doximity, Inc DOCS $22.21 $17.18 -23%
Privia Health Group PRVA $28.10 $5.30 -81%
Inventurus Knowledge Solutions Limited IKS ₹1,846 ₹860.28 -53%

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Frequently asked questions

Is CareCloud, Inc (CCLD) overvalued or undervalued?
As of Jul 24, 2026, our model estimates a fair value of $3.88 versus a price of $2.63, about +48% (undervalued).
What is the fair value of CCLD?
Our model-based fair value for CareCloud, Inc is $3.88 (as of Jul 24, 2026), built from audited fundamentals. The current price is $2.63.
What is the quality score of CCLD?
CareCloud, Inc has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of CareCloud, Inc (CCLD)?
CareCloud, Inc reported trailing-twelve-month revenue of about $124M (latest available figure, as of Jul 24, 2026).
What is the net profit margin of CCLD?
The net profit margin of CareCloud, Inc is about 7.9%, meaning it keeps roughly 7.9% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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