Logo image of MTBC

CARECLOUD INC (MTBC) Stock Fundamental Analysis

NASDAQ:MTBC - US14167R1005 - Common Stock

3.13 USD
+0.34 (+12.19%)
Last: 1/9/2023, 8:23:58 PM
Fundamental Rating

3

Taking everything into account, MTBC scores 3 out of 10 in our fundamental rating. MTBC was compared to 35 industry peers in the Health Care Technology industry. MTBC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. MTBC is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

In the past year MTBC has reported negative net income.
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

MTBC has negative profitability rations, so we won't be analyzing them here.
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 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.
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.
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

More info and screens

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.
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 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

MTBC has an Altman-Z score of 2.01. This is not the best score and indicates that MTBC is in the grey zone with still 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.
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.
MTBC has a Debt to FCF ratio of 0.06. This is amongst the best in the industry. MTBC outperforms 86.67% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that MTBC is not too dependend on debt financing.
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%
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

A Current Ratio of 1.21 indicates that MTBC should not have too much problems paying its short term obligations.
The Current ratio of MTBC (1.21) is worse than 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 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 56.73% over the past year.
The Revenue has been growing slightly by 7.14% in the past 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.
The Revenue is expected to grow by 2.57% on average over the next years.
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

More info and screens

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
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

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.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MTBC indicates a rather cheap valuation: MTBC is cheaper than 97.78% of the companies listed in the same industry.
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

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

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

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 Change69.27%
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