CareCloud, Inc.

CCLD
Country: United StatesPrice: $2.42Market Cap: $103.0M

Investment snapshot

18%positive consensus
Scored 1d ago

Positive

2

BUY / PASS

Neutral / negative

2 / 12

NEUTRAL / FAIL

Median fair value

$31.16

+1187.4% vs price

Models with upside

2 / 17

Positive margin of safety

Strongest signal

CCLD undervalued: all 2 models price fair value above $2.42 (median $31.16)

Key risk

No clean pass — all 8 investors flag at least one growth criterion

Framework analysis

VerdictMeaning
BUYPositive purchase signal: the framework's buy requirements are met.
PASSThe company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRALNeither a positive nor negative conclusion. It does not mean to hold an existing position.
FAILThe company does not clear the framework's requirements.
RankedRanked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

MetricGraham

Defensive Value

Buffett

Quality Compounder

Lynch

GARP

Greenblatt

Magic Formula

Piotroski

F-Score

Dreman

Contrarian Value

Munger

Quality Focus

Pabrai

Dhandho Framework

Akre

Three-Legged Stool

Marks

Risk-Aware Value

Ackman

Activist Value

Templeton

Global Bargain Hunter

Sleep

Scale Economies Shared

Asness

Systematic Factors

Neff

Low-P/E Total Return

Schloss

Asset-Value Discipline

O'Shaughnessy

Systematic Factor Composite

VerdictFAILFAILFAILBUY · Rank #72 (Top 2.3%)PASSFAILBUYFAILFAILFAILFAILFAILFAILNEUTRALFAILFAILNEUTRAL
Score
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Intrinsic Value (annual)N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Margin of SafetyN/AN/AN/AN/AN/AN/A+94.2%+88.2%N/AN/AN/AN/AN/AN/AN/AN/AN/A
Financial Basis

TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Annual history · FY 2025

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-03-12

Score computed: 2026-11-14

Annual history · FY 2025 · Balance sheet at 2026-09-30 · TTM ended 2026-09-30 vs 2025-09-30 · TTM ended 2026-09-30

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-03-12

Score computed: 2026-11-14

Annual history · FY 2025

Latest source filing: 2026-03-12

Score computed: 2026-11-14

Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Market data at 2026-11-01

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Qualitative assessment · Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Qualitative assessment · Annual history · FY 2025

Latest source filing: 2026-03-12

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment · TTM ended 2026-09-30 · Balance sheet at 2026-09-30

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment

Latest source filing: 2026-03-12

Score computed: 2026-11-14

Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Market data at 2026-11-01

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 · Balance sheet at 2026-09-30

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Annual history · FY 2025 · Qualitative assessment

Latest source filing: 2026-03-12

Score computed: 2026-11-14

TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Price history 2025-01-01–2026-11-01 · Annual history · FY 2025

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Annual history · FY 2025 · TTM ended 2026-09-30

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Annual history · FY 2025 · Balance sheet at 2026-09-30

Latest source filing: 2026-11-05

Score computed: 2026-11-14

TTM ended 2026-09-30 · Annual history · FY 2025 · Price history 2025-01-01–2026-11-01

Latest source filing: 2026-11-05

Score computed: 2026-11-14

Where It Passes

  • Valuation models100% pass✓ 2▾

    CCLD undervalued: all 2 models price fair value above $2.42 (median $31.16)

    Munger fair value$41.75
    ✓Munger+94.2% margin vs $2.42
    Pabrai fair value$20.56
    ✓Pabrai+88.2% margin vs $2.42
  • Cash Flow70% pass✓ 8✗ 4▾

    7 of 10 pass — Dreman, Ackman and Sleep object

    Free Cash Flow Proxy$21.0M
    ✓BuffettPositive and growing
    FCF Positive and Growing$21.6M
    ✓LynchPositive and growing
    Operating Cash Flow$28.6M
    ✓PiotroskiCFO > 0
    (CFO / Total Assets) vs ROACFO/Assets=32.60%, ROA=12.33%
    ✓PiotroskiCFO/Assets > ROA
    Price / (CFO / Shares)
    ✗Dreman< 8x
    P/E or FCF YieldP/E=24.2x, FCF Yield=23.1%
    ✓PabraiP/E < 15 or FCF Yield > 10%
    FCF Positive8/13 years FCF positive
    ✓MarksPositive FCF in majority of recent years
    (OCF - CapEx) / Market Cap
    ✗Ackman>= 4%
    Price / FCF per Share
    ✗Ackman<= 25
    Positive Operating Cash Flow frequency9/13 years positive
    ✗SleepPositive OCF in >= 70% of available years
    Operating Cash Flow - Capital Expenditures$21.6M
    ✓Neff> $0 (app proxy for a strong fundamental case)
    (Operating cash flow - capex) / market capitalization+20.99%; #277/4519 (top 6.1%)
    ✓OshaughnessyTop 10% of eligible cross-section

Where It Falls Short

  • Growth0% pass✓ 4✗ 9▾

    No clean pass — all 8 investors flag at least one growth criterion

    EPS Growth (3-yr avg, 10-yr window)N/A (negative base EPS)
    ✗Graham>= 33% growth
    Basic earnings-growth PEG (dividends excluded)P/E 24.2x (growth N/A)
    ✗Lynch< 1.0 (ideally < 0.5)
    3-5 Year EPS CAGR
    ✗Lynch15-30% (Fast Grower); > 0% to pass
    Inventory Growth vs Revenue GrowthInv: -15.4% vs Rev: 14.9%
    ✓LynchInventory growth < Revenue growth
    EPS Growth Direction$-0.03 (2013) -> $0.10 (2025)
    ✓DremanPositive over recent years
    EPS CAGR
    ✗Dreman> 5% annualized
    Positive Net Income Frequency4/13 years positive
    ✗MarksPositive net income in >= 7 of last 10 years
    3yr Median Revenue Growth-5.3%
    ✗Ackman>= 5%
    Positive EPS Growth Frequency4/5 years with positive EPS growth
    ✓AckmanPositive EPS growth in >= 3 of last 5 years
    5-Year EPS CAGR
    ✗Templeton> 0% (5-year EPS CAGR)
    Revenue growth vs. gross and operating margin trendrevenue up, operating margin -40.2% -> 9.4%
    ✓SleepRevenue rising; gross margin flat or falling; operating margin holding
    5-year Revenue CAGR2.8%
    ✗SleepCAGR > 7%
    3-5 Year Diluted EPS CAGR
    ✗Neff7%-20% annualized
  • Profitability13% pass✓ 14✗ 21▾

    14 of 16 flag CCLD's profitability — Graham, Buffett, Lynch +11 more

    Net income / market capitalization+9.38%; #738/6340 (top 11.6%)
    ✓AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
    Positive EPS (10 years)1/14 years positive
    ✗GrahamPositive EPS every year for 10 years
    EPS Growth (3-yr avg, 10-yr window)N/A (negative base EPS)
    ✗Graham>= 33% growth
    Net Income Positive (10+ years)4/14 years positive
    ✗BuffettPositive every year for 10+ years
    ROE (up to 5-year arithmetic mean)-14.9%
    ✗Buffett> 15% arithmetic mean (app rule)
    Operating Margin (10-yr trend)9.4% (latest)
    ✓BuffettStable or rising over 10 years
    Free Cash Flow Proxy$21.0M
    ✓BuffettPositive and growing
    Earnings Variance (10-yr CoV)N/A (negative mean EPS)
    ✗BuffettCoV < 0.3
    Retained Earnings Effectiveness
    ✗Buffett$1 retained -> > $1 market value created
    Basic earnings-growth PEG (dividends excluded)P/E 24.2x (growth N/A)
    ✗Lynch< 1.0 (ideally < 0.5)
    3-5 Year EPS CAGR
    ✗Lynch15-30% (Fast Grower); > 0% to pass
    ROE42.7%
    ✓Lynch> 15%
    EBIT / Enterprise Value11.1%
    ✓Greenblatt> 10%
    Earnings Yield + ROC AssessmentEY=11.1%, ROC=189.9%
    ✓GreenblattBoth EY > 10% and ROC > 25%
    Net Income / Total Assets12.33%
    ✓PiotroskiROA > 0
    ROA Change YoY10.96% -> 12.33% (delta: +1.36%)
    ✓PiotroskiCurrent ROA > Prior ROA
    (CFO / Total Assets) vs ROACFO/Assets=32.60%, ROA=12.33%
    ✓PiotroskiCFO/Assets > ROA
    Gross Margin Change YoY
    ✗PiotroskiImproved YoY
    Pre-Tax Income / Revenue7.6%
    ✗Dreman>= 8%
    Net Income / Shareholders' Equity42.7%
    ✓Dreman> 12%
    Margin of SafetyP/E=24.2x
    ✗PabraiP/B < 1.5 or P/E < 15
    Return on Equity-27.6% (3-yr avg)
    ✗AkreROE > 20% (3-year avg)
    Discount to Intrinsic ValueN/A (negative normalized EPS)
    ✗Marks>= 20% below intrinsic value
    Positive Net Income Frequency4/13 years positive
    ✗MarksPositive net income in >= 7 of last 10 years
    Operating Income / Revenue9.6%
    ✗Ackman>= 15%
    Net Income / Shareholders Equity42.7%
    ✓Ackman>= 15%
    5-Year EPS CAGR
    ✗Templeton> 0% (5-year EPS CAGR)
    Operating Margin Trend-40.2% (2023) -> 9.4% (2025)
    ✓TempletonNon-negative operating-margin trend over 3 years
    Revenue growth vs. gross and operating margin trendrevenue up, operating margin -40.2% -> 9.4%
    ✓SleepRevenue rising; gross margin flat or falling; operating margin holding
    Gross profit / total assets
    ✗AsnessTop 30% of eligible cross-section
    Net income / positive book equity+42.69%; #266/5226 (top 5.1%)
    ✓AsnessTop 30% of eligible cross-section
    Negative 5-year standard deviation of ROA-0.2822; #4558/5884 (top 77.5%)
    ✗AsnessTop 30% of eligible cross-section
    3-5 Year Diluted EPS CAGR
    ✗Neff7%-20% annualized
    Positive Diluted-EPS Years1/10 years positive
    ✗Schloss>= 70% positive over 5-10 observed years (app rule)
  • Verdicts20% pass✓ 3✗ 12▾

    Split decision: 12 FAIL · 2 NEUTRAL · 1 PASS · 1 BUY

    Overall verdict
    ✗GrahamFAIL (1/9)✗BuffettFAIL (3/9)✗LynchFAIL (3/7)✓GreenblattRank #72✓PiotroskiPASS (F-Score 5)✗DremanFAIL (2/11)✓MungerBUY (3/4)✗PabraiFAIL (1/3)✗AkreFAIL (2/6)✗MarksFAIL (2/5)✗AckmanFAIL (3/9)✗TempletonFAIL (2/8)✗SleepFAIL (2/6)•AsnessNEUTRAL (Not ranked)✗NeffFAIL (2/6)✗SchlossFAIL (0/7)•OshaughnessyNEUTRAL (Not ranked)
  • Valuation23% pass✓ 6✗ 22▾

    10 of 13 flag CCLD's valuation — Graham, Lynch, Dreman +7 more

    Net income / market capitalization+9.38%; #738/6340 (top 11.6%)
    ✓AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
    Price / 3-yr avg EPS
    ✗Graham<= 15x
    Price-to-Book Ratio
    ✗Graham<= 1.5x
    P/E x P/B
    ✗Graham<= 22.5
    Basic earnings-growth PEG (dividends excluded)P/E 24.2x (growth N/A)
    ✗Lynch< 1.0 (ideally < 0.5)
    EBIT / Enterprise Value11.1%
    ✓Greenblatt> 10%
    Earnings Yield + ROC AssessmentEY=11.1%, ROC=189.9%
    ✓GreenblattBoth EY > 10% and ROC > 25%
    Price / EPS24.2x
    ✗Dreman< 12x✗Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
    Price / (CFO / Shares)
    ✗Dreman< 8x
    Price / Book Value per Share
    ✗Dreman< 1.2x✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)
    Valuation ReasonablenessP/E=24.2x
    ✓MungerP/E < 25 or Owner Earnings Yield > 5%
    P/E or FCF YieldP/E=24.2x, FCF Yield=23.1%
    ✓PabraiP/E < 15 or FCF Yield > 10%
    P/B or P/E vs. Historical AverageP/E=24.2x
    ✗MarksP/E < 15 or P/B < 2.0
    Discount to Intrinsic ValueN/A (negative normalized EPS)
    ✗Marks>= 20% below intrinsic value
    Price / FCF per Share
    ✗Ackman<= 25
    Price vs. Trailing Low174% of trailing low ($1.39)
    ✗Templeton<= 120% of trailing low (certified split-adjusted live window)
    Positive book equity / market capitalization+0.2197; #4087/6449 (top 63.4%)
    ✗AsnessTop 30% of eligible cross-section
    Price / Diluted EPS24.2x
    ✗NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
    (EPS CAGR % + Dividend Yield %) / P/E
    ✗Neff> 0.7 (Neff's published traditional edge)
    Price / Tangible Book Value per Share
    ✗SchlossP/TBV <= 1.00x (app cutoff)
    Book Value per Share Change-59.5%
    ✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
    Revenue / market capitalization+1.2751; #1520/5247 (top 29.0%)
    ✗OshaughnessyTop 10% of eligible cross-section
    (Operating cash flow - capex) / market capitalization+20.99%; #277/4519 (top 6.1%)
    ✓OshaughnessyTop 10% of eligible cross-section
    Trailing six-month price return through the evaluation date+2.98%; #2301/6202 (top 37.1%)
    ✗OshaughnessyTop 10% of eligible cross-section
  • Debt & Leverage25% pass✓ 3✗ 12▾

    9 of 12 flag CCLD's debt & leverage — Graham, Lynch, Dreman +6 more

    LT Debt vs Net Current Assets
    ✗GrahamLT Debt <= Net Current Assets
    Debt/Equity & Interest CoverageD/E: 0.03, IC: 50.2x
    ✓BuffettD/E < 0.5 AND Interest Coverage > 5x
    Total Debt / Equity1.18
    ✗Lynch< 0.33
    Cash - Long-term Debt
    ✗LynchPositive preferred
    LT Debt / Total Assets Change0.00% -> 0.00%
    ✓PiotroskiDecreased YoY
    Current Assets / Current Liabilities0.87
    ✗Dreman> 1.5✗SchlossCurrent ratio >= 1.50x (app cutoff)
    Total Debt / Shareholders' Equity1.18
    ✗Dreman< 0.8✗Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✗SchlossD/E < 1.00x
    Debt Levels1.18
    ✗MungerDebt/Equity < 0.5✗AkreDebt/Equity < 0.3
    Interest Coverage & Debt/EBITDAIC=50.2x, D/EBITDA=0.1x
    ✓MarksInterest Coverage > 3x; Debt/EBITDA < 4x
    Total Debt / Shareholders Equity1.18
    ✗Ackman<= 1.0
    Negative debt-to-equity (higher means less debt)-1.1801; #3393/4210 (top 80.6%)
    ✗AsnessTop 30% of eligible cross-section
  • Efficiency25% pass✓ 3✗ 8▾

    6 of 8 flag CCLD's efficiency — Graham, Buffett, Piotroski +3 more

    Current Ratio0.87
    ✗Graham>= 2.0
    ROIC (3-5 yr avg)-7.3%
    ✗Buffett> 10%
    ROIC - WACC-17.3%
    ✗BuffettPositive (WACC = 10%)
    EBIT / (NWC + Net Fixed Assets)189.9%
    ✓Greenblatt> 25%
    Current Ratio Change YoY1.27 -> 1.05
    ✗PiotroskiIncreased YoY
    Revenue / Total Assets Change YoY1.55x -> 1.38x
    ✗PiotroskiImproved YoY
    Current Assets / Current Liabilities0.87
    ✗Dreman> 1.5
    Return on Invested Capital20.1%
    ✓Munger> 15%
    ROIC (high and growing)FY2023: ROIC=-71.1%; FY2024: ROIC=14.3%; FY2025: ROIC=14.6%
    ✗AkreLatest 3 consecutive FYs: ROIC > 15% in each
    Reinvestment Rate x ROIC14.6% (RR=100% x ROIC=14.6%)
    ✓AkreReinvestment Rate * ROIC > 10%
    ROIC (5-year)2/5 years above 12% (latest 14.6%)
    ✗SleepROIC > 12% in a majority of years

Business & financials

Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.

Company Profile

Industry: Business Services
Size: Micro Cap($103.0M)
Revenue: $120.5M+8.7% YoY
Net Income: $10.8M+37.5% YoY

Financial Snapshot

Operating Margin9.4%
Return on Equity18.1%
Debt / Equity0.03
Current Ratio1.05
EPS (Diluted)$0.10

Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

The latest annual period end is unavailable. Showing the latest fiscal cycle’s quarters; quarter and annual columns may overlap. Quarterly shows the full quarter history.

MetricTTM · 2026-09-30

2025-10-01 – 2026-09-30

Sources · derived quarter values

Derived from cumulative filings: revenue, net income, operating income, ebit, pre tax income, operating cash flow, depreciation amortization, capex.

Q3 FY 2026

2026-07-01 – 2026-09-30

Sources · derived quarter values

Derived from cumulative filings: operating cash flow, capex.

Q2 FY 2026

2026-04-01 – 2026-06-30

Sources · derived quarter values

Derived from cumulative filings: operating cash flow, capex.

Q1 FY 2026

2026-01-01 – 2026-03-31

Sources
FY 2025
Sources
  • 10-K · 2026-03-12
FY 2024
Sources
  • 10-K · 2025-03-13
FY 2023
Sources
  • 10-K · 2024-03-21
FY 2022
Sources
  • 10-K · 2023-03-02
FY 2021
Sources
  • 10-K · 2022-03-14
Market Cap$103.0Mcurrent--------$55.9Mest.$21.0Mest.$54.8Mest.$86.2Mest.
Revenue$131.3M↑15%$33.7M↑9%$31.9M↑16%$31.3M↑13%$120.5M↑9%$110.8M↓5%$117.1M↓16%$138.8M↓1%$139.6M
Operating Income$12.6M↑7%$6.6M↑105%$1.9M↓38%$1.0M↓50%$11.3M↑24%$9.1M↑119%-$47.1M↓813%$6.6M↑87%$3.5M
Net Income$9.7M↓14%$4.7M↑54%$1.1M↓61%$922.0K↓53%$10.8M↑38%$7.9M↑116%-$48.7M↓996%$5.4M↑92%$2.8M
EPS (Diluted)--$0.10↑150%$0.00↓100%$-0.01↑75%$0.10↑136%$-0.28↑93%$-4.11↓513%$-0.67↑13%$-0.77
Gross Margin—————————
Operating Margin9.6%↓6%19.5%↑89%5.8%↓47%3.2%↓56%9.4%↑14%8.2%↑120%-40.2%↓945%4.8%↑88%2.5%
ROE42.7%↑120%———18.1%↑15%15.8%↑114%-116.7%↓2284%5.3%↑84%2.9%
Total Debt$26.7M↑6944%$26.7M↑6944%$9.0M↑2822%$992.0K↑536%$1.9M↑194%$646.0K↓94%$10.6M↑23%$8.7M↓1%$8.7M
Shareholders' Equity$22.6M↓61%$22.6M↓61%$17.4M↓69%$58.3M↑8%$59.5M↑20%$49.8M↑19%$41.7M↓59%$101.7M↑4%$97.9M
Current Ratio0.87↓31%0.87↓31%1.02↓47%1.11↓34%1.05↓17%1.27↑27%1.00↓36%1.55↑29%1.20
Debt / Equity1.18↑17898%1.18↑17898%0.52↑9316%0.02↑491%0.03↑146%0.01↓95%0.25↑199%0.09↓4%0.09
Operating Cash Flow$25.0M$5.6M↓23%$7.1M↓5%$3.6M↓29%$28.6M↑38%$20.6M↑34%$15.5M↓27%$21.2M↑59%$13.3M
Free Cash Flow$21.6M$5.3M↓18%$6.5M↑5%$3.2M↓29%$23.8M↑26%$18.9M↑53%$12.4M↓33%$18.6M↑78%$10.4M

Score history

Historical Score Timeline

Industry peers

Industry Peers

Similar companies in Business Services

CCLD vs Peers — Financial Grading

Revenue$120.5MBottom 25%
Net Income$10.8MMedian
ROE18.1%Median
D/E0.03Top 25%
Op. Margin9.4%Top 25%
Curr. Ratio1.05Median
CompanyMarket CapPriceRevenueNet IncomeROED/EOp. MarginCurr. RatioGrahamBuffettLynchGreenblattPiotroskiDreman
AUTOMATIC DATA PROCESSING INCADP$122.3B$309.93$21.9B$4.4B73.2%0.8224.2%1.054/95/93/70/3F-Score 65/11
ELECTRONIC ARTS INC.EA$52.9B$209.70$7.5B$887.0M13.1%0.2215.4%1.051/94/94/70/3F-Score 66/11
Rubrik, Inc.RBRK$22.6B$109.88$1.3B$348.8M67.1%—-26.2%1.691/90/92/70/3F-Score 62/11
AECOMACM$9.1B$70.50$16.1B$561.8M22.5%1.096.4%1.141/93/93/71/3F-Score 82/11
COMMVAULT SYSTEMS INCCVLT$6.2B$152.07$1.2B$70.7M942.8%—6.3%1.951/92/94/70/3F-Score 66/11
WPP plcWPP$6.0B$27.79$18.2B$289.5M-8.5%1.942.8%0.891/92/91/70/3F-Score 32/11
VARONIS SYSTEMS INCVRNS$5.6B$48.94$623.5M$129.3M-21.6%0.76-23.5%1.971/90/91/70/3F-Score 51/11
ROBERT HALF INC.RHI$4.3B$42.00$5.4B$133.0M10.4%—1.4%1.532/95/91/70/3F-Score 52/11