CARECLOUD INC (MTBC) Fundamental Analysis & Valuation

NASDAQ:MTBC • US14167R1005

Current stock price

3.13 USD
+0.34 (+12.19%)
Last:

This MTBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. MTBC Profitability Analysis

1.1 Basic Checks

  • In the past year MTBC has reported negative net income.
  • In the past year MTBC had a positive cash flow from operations.
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 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.
  • MTBC's Return On Invested Capital of 4.81% is amongst the best of the industry. MTBC outperforms 88.89% of its industry peers.
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 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.
  • MTBC's Gross Margin of 38.04% is on the low side compared to the rest of the industry. MTBC is outperformed by 62.22% of its industry peers.
  • 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 2016 2017 2018 2019 2020 2021 0 20 -20 40

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5

2. MTBC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), MTBC is destroying value.
  • MTBC has more shares outstanding than it did 1 year ago.
  • MTBC has a worse debt/assets ratio than last year.
MTBC Yearly Shares OutstandingMTBC Yearly Shares OutstandingYearly Shares Outstanding 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 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.
  • Looking at the Altman-Z score, with a value of 2.01, MTBC is in the better half of the industry, outperforming 62.22% of the companies in the same industry.
  • 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.
  • With an excellent Debt to FCF ratio value of 0.06, MTBC belongs to the best of the industry, outperforming 86.67% of the companies in the same industry.
  • A Debt/Equity ratio of 0.00 indicates that MTBC is not too dependend on debt financing.
  • MTBC has a Debt to Equity ratio of 0.00. This is in the better half of the industry: MTBC outperforms 68.89% of its industry peers.
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 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's Current ratio of 1.21 is on the low side compared to the rest of the industry. MTBC is outperformed by 68.89% of its industry peers.
  • MTBC has a Quick Ratio of 1.19. This is a normal value and indicates that MTBC is financially healthy and should not expect problems in meeting its short term obligations.
  • MTBC's Quick ratio of 1.19 is on the low side compared to the rest of the industry. MTBC is outperformed by 66.67% of its industry peers.
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 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. MTBC Growth Analysis

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.
  • The Revenue has been growing by 41.63% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, MTBC will show a small growth in Earnings Per Share. The EPS will grow by 6.25% on average per year.
  • 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

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MTBC Yearly Revenue VS EstimatesMTBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 -0.5 -1 -1.5

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3

4. MTBC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for MTBC. In the last year negative earnings were reported.
  • Also next year MTBC is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
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 40 50

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.
  • Based on the Price/Free Cash Flow ratio, MTBC is valued cheaply inside the industry as 97.78% of the companies are valued more expensively.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. MTBC Dividend Analysis

5.1 Amount

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

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MTBC Fundamentals: All Metrics, Ratios and Statistics

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
Industry Strength0.62
Industry Growth47.21
Earnings (Last)11-03
Earnings (Next)03-13
Inst Owners11.55%
Inst Owner Change20.35%
Ins Owners0.89%
Ins Owner Change0%
Market Cap47.61M
Revenue(TTM)143.75M
Net Income(TTM)-6.85M
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
Graham Number0 (-100%)
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
ROICexgc growth 3YN/A
ROICexgc 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

CARECLOUD INC / MTBC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CARECLOUD INC?

ChartMill assigns a fundamental rating of 3 / 10 to MTBC.


Can you provide the valuation status for CARECLOUD INC?

ChartMill assigns a valuation rating of 3 / 10 to CARECLOUD INC (MTBC). This can be considered as Overvalued.


What is the profitability of MTBC stock?

CARECLOUD INC (MTBC) has a profitability rating of 1 / 10.


What is the financial health of CARECLOUD INC (MTBC) stock?

The financial health rating of CARECLOUD INC (MTBC) is 4 / 10.


What is the expected EPS growth for CARECLOUD INC (MTBC) stock?

The Earnings per Share (EPS) of CARECLOUD INC (MTBC) is expected to grow by 13.69% in the next year.