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CareCloud, Inc. (CCLD) provides a proprietary suite of cloud-based solutions, including revenue cycle management (RCM), practice management (PM), and electronic health records (EHR) for medical groups.
Investment Thesis
CareCloud is a turnaround play in the healthcare IT sector. After a period of aggressive acquisitions that led to a messy balance sheet, new management is focusing on operational discipline and organic growth. The core thesis is based on the structural trend of medical practices consolidating and outsourcing their complex billing and administrative functions. CareCloud's integrated platform provides a cost-effective solution for small and mid-sized practices to increase their collections and improve efficiency. As the company optimizes its cost structure and reduces leverage, the underlying SaaS value of the platform will be revealed.
Key Growth Drivers
Sticky Healthcare SaaS Revenue
Once a medical practice adopts CareCloud's EHR and billing systems, the switching costs are immense, resulting in high customer lifetime value.
Revenue Cycle Management (RCM) Growth
As healthcare billing becomes more complex, the demand for CareCloud's specialized RCM services is seeing steady organic growth.
Deleveraging Catalyst
Management's commitment to using free cash flow to retire high-cost preferred equity and debt is the primary driver for equity value expansion.
Valuation & Financial Modeling
CCLD trades at a deeply distressed multiple of revenue. If management can prove that the platform is stabilizing and debt is being managed, the stock will likely undergo a violent mean-reversion toward peer SaaS multiples.
Risk Factors & Bear Case
CareCloud faces intense competition from massive, well-capitalized players like Athenahealth. Furthermore, any failures in their RCM division to successfully collect for clients would lead to high churn and legal liabilities.
Conclusion
CareCloud, Inc. is a high-risk, high-torque turnaround story in healthcare tech. It is appropriate for deep-value investors seeking leveraged exposure to the healthcare SaaS market. Rated 'Speculative Buy'.
Upcoming Catalysts
No upcoming catalysts identified.
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Relative valuation derived from Technology sector median benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Multiples adjusted for extreme outliers and non-recurring volatility.
Auditing capital efficiency...
Quality Profile Audit
Score: 37.5GRADE D
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation.
Return on Equity
Profit generated per dollar of shareholder equity
18.5%
Sector: -1.4%
Dividend Analysis audit
No Dividend
This company does not currently pay a dividend.
Analyst Projections
Analyst Consensus
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Based on our 6-factor quantitative model, CareCloud, Inc. (CCLD) receives a "Hold" rating with a composite score of 46.9/100, ranked #222 out of 4446 stocks. Key factor scores: Quality 38/100, Value 71/100, Momentum 60/100. This is quantitative analysis only — not investment advice.
CareCloud, Inc. (CCLD) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does CareCloud, Inc. Do?
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 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. CareCloud, Inc. (CCLD) is classified as a micro-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO A. Hadi Chaudhry and employs approximately 4,100 people, headquartered in Somerset, New Jersey. With a market capitalization of $154M, CCLD is one of the notable companies in the Technology sector.
CareCloud, Inc. (CCLD) Stock Rating — Hold (April 2026)
As of April 2026, CareCloud, Inc. receives a Hold rating with a composite score of 46.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.CCLD ranks #222 out of 4,446 stocks in our coverage universe. Within the Technology sector, CareCloud, Inc. ranks #4 of 584 stocks, placing it in the top 10% of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
CCLD Stock Price and 52-Week Range
CareCloud, Inc. (CCLD) currently trades at $2.71. The stock lost $0.05 (1.8%) in the most recent trading session. The 52-week high for CCLD is $4.01, which means the stock is currently trading -32.4% from its annual peak. The 52-week low is $1.14, putting the stock 137.3% above its annual trough. Recent trading volume was 967K shares, suggesting relatively thin trading activity.
Is CCLD Overvalued or Undervalued? — Valuation Analysis
CareCloud, Inc. (CCLD) carries a value factor score of 71/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 11.86x, compared to the Technology sector average of 45.27x — a discount of 74%. The price-to-book ratio stands at 2.20x, versus the sector average of 3.16x. The price-to-sales ratio is 1.14x, compared to 1.06x for the average Technology stock. On an enterprise value basis, CCLD trades at 5.14x EV/EBITDA, versus 12.79x for the sector.
Based on these multiples, CareCloud, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
CareCloud, Inc. Profitability — ROE, Margins, and Quality Score
CareCloud, Inc. (CCLD) earns a quality factor score of 38/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 18.5%, compared to the Technology sector average of -1.4%, which is within a healthy range. Return on assets (ROA) comes in at 12.6% versus the sector average of -1.0%.
On a margin basis, CareCloud, Inc. reports gross margins of 48.0%, compared to 50.9% for the sector. The operating margin is 10.0% (sector: -0.5%). Net profit margin stands at 9.6%, versus -1.5% for the average Technology stock. Revenue growth is running at 10.6% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
CCLD Debt, Balance Sheet, and Financial Health
CareCloud, Inc. has a debt-to-equity ratio of 47.0%, compared to the Technology sector average of 43.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.05x, suggesting adequate working capital coverage. Total debt on the balance sheet is $8M. Cash and equivalents stand at $4M.
CCLD has a beta of 1.37, meaning it is more volatile than the broader market — a $10,000 investment in CCLD would be expected to move 36.9% more than the S&P 500 on any given day. The stability factor score for CareCloud, Inc. is 34/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.
CareCloud, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, CareCloud, Inc. reported revenue of $115M and earnings per share (EPS) of $0.10. Net income for the quarter was $11M. Gross margin was 48.0%. Operating income came in at $11M.
In FY 2025, CareCloud, Inc. reported revenue of $120M and earnings per share (EPS) of $0.10. Net income for the quarter was $11M. Revenue grew 8.7% year-over-year compared to FY 2024. Operating income came in at $11M.
In Q3 2025, CareCloud, Inc. reported revenue of $31M and earnings per share (EPS) of $0.04. Net income for the quarter was $3M. Revenue grew 8.8% year-over-year compared to Q3 2024. Operating income came in at $3M.
In Q2 2025, CareCloud, Inc. reported revenue of $27M and earnings per share (EPS) of $0.04. Net income for the quarter was $3M. Revenue grew -2.5% year-over-year compared to Q2 2024. Operating income came in at $3M.
Over the past 8 quarters, CareCloud, Inc. has demonstrated a growth trajectory, with revenue expanding from $28M to $115M. Investors analyzing CCLD stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
CCLD Dividend Yield and Income Analysis
CareCloud, Inc. (CCLD) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.
CCLD Momentum and Technical Analysis Profile
CareCloud, Inc. (CCLD) has a momentum factor score of 60/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 29/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 38/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
CCLD vs Competitors — Technology Sector Ranking and Peer Comparison
Comparing CCLD against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CCLD vs S&P 500 (SPY) comparison to assess how CareCloud, Inc. stacks up against the broader market across all factor dimensions.
CCLD Next Earnings Date
No upcoming earnings date has been announced for CareCloud, Inc. (CCLD) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy CCLD? — Investment Thesis Summary
CareCloud, Inc. presents a balanced picture with arguments on both sides. The quality score of 38/100 flags below-average profitability. The value score of 71/100 suggests attractive pricing relative to fundamentals. Price momentum is positive at 60/100, suggesting the trend favors buyers. High volatility (stability score 34/100) increases portfolio risk.
In summary, CareCloud, Inc. (CCLD) earns a Hold rating with a composite score of 46.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CCLD stock.
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Execution Benchmarks audit
Revenue Growth
YOY expansion rate
10.6%
Sector: 14.2%
-26% VS SCTR
Gross Margin
Core pricing power
48.0%
Sector: 50.9%
IN LINE
Operating Margin
Operating efficiency
10.0%
Sector: -0.5%
-2152% VS SCTR
Net Margin
Bottom-line conversion
9.6%
Sector: -1.5%
-738% VS SCTR
Return on Equity
Equity capital efficiency
18.5%
Sector: -1.4%
-1388% VS SCTR
Return on Assets
Asset base utilization
12.6%
Sector: -1.0%
-1411% VS SCTR
Debt/Equity
Financial leverage load
47.0%
Sector: 43.0%
IN LINE
-30%
Price / Sales
1.1x
+8%
CareCloud, Inc. exhibits a 39% valuation discount relative to institutional benchmarks. This represents a constructive entry window based on current multiples.
Return on Assets
Efficiency of asset utilization
12.6%
Sector: -1.0%
Gross Margin
Pricing power and cost efficiency
48.0%
Sector: 50.9%
Operating Margin
Core business profitability
10.0%
Sector: -0.5%
Net Margin
Bottom-line profitability
9.6%
Sector: -1.5%
Factor Methodology
The Quality factor evaluates the persistence and magnitude of cash flows. Companies with scores >70 exhibit superior competitive moats and financial resilience through economic cycles.