CARECLOUD INC (MTBC)

US14167R1005 - Common Stock

3.13  +0.34 (+12.19%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to MTBC. MTBC was compared to 40 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.



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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 had negative earnings in each of the past 5 years.
Of the past 5 years MTBC 4 years had a positive operating cash flow.

1.2 Ratios

The profitability ratios for MTBC are negative, so there is not much use analyzing them.
MTBC has a Return On Invested Capital of 4.81%. This is amongst the best in 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

1.3 Margins

Looking at the Operating Margin, with a value of 3.77%, MTBC is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
MTBC has a Gross Margin of 38.04%. This is in the lower half of the industry: MTBC underperforms 62.22% of its industry peers.
In the last couple of years the Gross Margin of MTBC has declined.
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%

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5

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so MTBC is destroying value.
Compared to 1 year ago, MTBC has more shares outstanding
The debt/assets ratio for MTBC is higher compared to a year ago.

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 has a Altman-Z score of 2.01. This is in the better half of the industry: MTBC outperforms 62.22% of its industry peers.
MTBC has a debt to FCF ratio of 0.06. This is a very positive value and a sign of high solvency as it would only need 0.06 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.06, MTBC belongs to the top of the industry, outperforming 86.67% of the companies in the same industry.
MTBC has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
MTBC's Debt to Equity ratio of 0.00 is fine compared to the rest 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%

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.
With a Quick ratio value of 1.19, MTBC is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 1.21
Quick Ratio 1.19

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 56.73% over the past year.
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 growth Q2Q-20%
Revenue 1Y (TTM)7.14%
Revenue growth 3Y40.35%
Revenue growth 5Y41.63%
Revenue growth 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

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for MTBC. In the last year negative earnings were reported.
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

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, MTBC is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
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

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, 7:23:58 PM)

3.13

+0.34 (+12.19%)

Chartmill FA Rating
GICS SectorHealth Care
GICS IndustryGroupHealth Care Equipment & Services
GICS IndustryHealth Care Technology
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap47.61M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield N/A
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
ROCE
ROIC
ROICexc
ROICexgc
OM 3.77%
PM (TTM) N/A
GM 38.04%
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.1
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio 1.21
Quick Ratio 1.19
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)56.73%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y13.69%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)7.14%
Revenue growth 3Y40.35%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y