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CARECLOUD INC (MTBC) Stock Fundamental Analysis

NASDAQ:MTBC - Nasdaq - US14167R1005 - Common Stock - Currency: USD

3.13  +0.34 (+12.19%)

Fundamental Rating

3

Overall MTBC gets a fundamental rating of 3 out of 10. We evaluated MTBC against 36 industry peers in the Health Care Technology industry. The financial health of MTBC is average, but there are quite some concerns on its profitability. MTBC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

MTBC had negative earnings in the past year.
MTBC had a positive operating cash flow in the past year.
MTBC Yearly Net Income VS EBIT VS OCF VS FCFMTBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 10M -10M -20M

1.2 Ratios

The profitability ratios for MTBC are negative, so there is not much use analyzing them.
Looking at the Return On Invested Capital, with a value of 4.81%, MTBC belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC 4.81%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
MTBC Yearly ROA, ROE, ROICMTBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 -20 -40 -60 -80 -100

1.3 Margins

MTBC has a better Operating Margin (3.77%) than 77.78% of its industry peers.
With a Gross Margin value of 38.04%, MTBC is not doing good in the industry: 62.22% of the companies in the same industry are doing better.
MTBC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.77%
PM (TTM) N/A
GM 38.04%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.42%
GM growth 5Y-3.59%
MTBC Yearly Profit, Operating, Gross MarginsMTBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 20 -20 40

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5

2. Health

2.1 Basic Checks

MTBC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for MTBC has been increased compared to 1 year ago.
Compared to 1 year ago, MTBC has a worse debt to assets ratio.
MTBC Yearly Shares OutstandingMTBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 5M 10M
MTBC Yearly Total Debt VS Total AssetsMTBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 50M 100M

2.2 Solvency

An Altman-Z score of 2.01 indicates that MTBC is not a great score, but indicates only limited risk for bankruptcy at the moment.
MTBC's Altman-Z score of 2.01 is fine compared to the rest of the industry. MTBC outperforms 62.22% of its industry peers.
The Debt to FCF ratio of MTBC is 0.06, which is an excellent value as it means it would take MTBC, only 0.06 years of fcf income to pay off all of its debts.
MTBC's Debt to FCF ratio of 0.06 is amongst the best of the industry. MTBC outperforms 86.67% of its industry peers.
MTBC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.00, MTBC is in the better half of the industry, outperforming 68.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.06
Altman-Z 2.01
ROIC/WACC0.61
WACC7.84%
MTBC Yearly LT Debt VS Equity VS FCFMTBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 20M 40M 60M 80M 100M

2.3 Liquidity

MTBC has a Current Ratio of 1.21. This is a normal value and indicates that MTBC is financially healthy and should not expect problems in meeting its short term obligations.
MTBC has a Current ratio of 1.21. This is in the lower half of the industry: MTBC underperforms 68.89% of its industry peers.
A Quick Ratio of 1.19 indicates that MTBC should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.19, MTBC is doing worse than 66.67% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.21
Quick Ratio 1.19
MTBC Yearly Current Assets VS Current LiabilitesMTBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M

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4

3. Growth

3.1 Past

MTBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 56.73%, which is quite impressive.
Looking at the last year, MTBC shows a small growth in Revenue. The Revenue has grown by 7.14% in the last year.
Measured over the past years, MTBC shows a very strong growth in Revenue. The Revenue has been growing by 41.63% on average per year.
EPS 1Y (TTM)56.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-20%
Revenue 1Y (TTM)7.14%
Revenue growth 3Y40.35%
Revenue growth 5Y41.63%
Sales Q2Q%-11.96%

3.2 Future

MTBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.25% yearly.
MTBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.57% yearly.
EPS Next Y13.69%
EPS Next 2Y7.89%
EPS Next 3Y16.8%
EPS Next 5Y6.25%
Revenue Next Year0.64%
Revenue Next 2Y1.19%
Revenue Next 3Y3.72%
Revenue Next 5Y2.57%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
MTBC Yearly Revenue VS EstimatesMTBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
MTBC Yearly EPS VS EstimatesMTBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 -0.5 -1 -1.5

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3

4. Valuation

4.1 Price/Earnings Ratio

MTBC reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for MTBC. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
MTBC Price Earnings VS Forward Price EarningsMTBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, MTBC is valued cheaper than 100.00% of the companies in the same industry.
97.78% of the companies in the same industry are more expensive than MTBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.4
EV/EBITDA 2.55
MTBC Per share dataMTBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

A more expensive valuation may be justified as MTBC's earnings are expected to grow with 16.80% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.89%
EPS Next 3Y16.8%

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0

5. Dividend

5.1 Amount

MTBC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CARECLOUD INC

NASDAQ:MTBC (1/9/2023, 8:23:58 PM)

3.13

+0.34 (+12.19%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Technology
Earnings (Last)11-03 2022-11-03/bmo
Earnings (Next)03-13 2023-03-13
Inst Owners11.55%
Inst Owner Change172.21%
Ins Owners0.89%
Ins Owner Change0%
Market Cap47.61M
Analysts83.64
Price Target9.69 (209.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP-220.54%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)33.24%
Min EPS beat(2)4.61%
Max EPS beat(2)61.87%
EPS beat(4)4
Avg EPS beat(4)48.06%
Min EPS beat(4)4.61%
Max EPS beat(4)94.23%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.73%
Min Revenue beat(2)-3.14%
Max Revenue beat(2)-2.32%
Revenue beat(4)1
Avg Revenue beat(4)-1.01%
Min Revenue beat(4)-3.14%
Max Revenue beat(4)2.51%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)6.54%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.33
P/FCF 5.4
P/OCF 2.24
P/B 0.46
P/tB 4.01
EV/EBITDA 2.55
EPS(TTM)-0.45
EYN/A
EPS(NY)-0.66
Fwd EYN/A
FCF(TTM)0.58
FCFY18.5%
OCF(TTM)1.4
OCFY44.58%
SpS9.45
BVpS6.76
TBVpS0.78
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE N/A
ROIC 4.81%
ROICexc 4.99%
ROICexgc 43.34%
OM 3.77%
PM (TTM) N/A
GM 38.04%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.42%
GM growth 5Y-3.59%
F-Score4
Asset Turnover1.1
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.06
Debt/EBITDA 0.03
Cap/Depr 103.98%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.21
Quick Ratio 1.19
Altman-Z 2.01
F-Score4
WACC7.84%
ROIC/WACC0.61
Cap/Depr(3y)81.08%
Cap/Depr(5y)58.98%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.73%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-20%
EPS Next Y13.69%
EPS Next 2Y7.89%
EPS Next 3Y16.8%
EPS Next 5Y6.25%
Revenue 1Y (TTM)7.14%
Revenue growth 3Y40.35%
Revenue growth 5Y41.63%
Sales Q2Q%-11.96%
Revenue Next Year0.64%
Revenue Next 2Y1.19%
Revenue Next 3Y3.72%
Revenue Next 5Y2.57%
EBIT growth 1Y261.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1308.1%
EBIT Next 3Y177.57%
EBIT Next 5Y93.09%
FCF growth 1Y213.67%
FCF growth 3Y-21.74%
FCF growth 5YN/A
OCF growth 1Y1553.9%
OCF growth 3Y25.1%
OCF growth 5YN/A