CareCloud, Inc. (CCLD)vsHealthEquity Inc (HQY)
CCLD
CareCloud, Inc.
$2.35
-2.08%
HEALTHCARE · Cap: $99.86M
HQY
HealthEquity Inc
$88.67
+3.07%
HEALTHCARE · Cap: $7.39B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 977% more annual revenue ($1.34B vs $124.14M). HQY leads profitability with a 17.2% profit margin vs 7.9%. CCLD appears more attractively valued with a PEG of 0.31. HQY earns a higher WallStSmart Score of 66/100 (B-).
CCLD
Strong Buy66
out of 100
Grade: B-
HQY
Strong Buy66
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+58.0%
Fair Value
$5.33
Current Price
$2.35
$2.98 discount
Margin of Safety
+49.2%
Fair Value
$151.32
Current Price
$88.67
$62.65 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 5739.0% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 29.3%
Earnings expanding 34.4% YoY
Areas to Watch
Smaller company, higher risk/reward
7.9% margin — thin
Operating margin of 3.4%
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : CCLD
The strongest argument for CCLD centers on PEG Ratio, EPS Growth, Debt/Equity. Revenue growth of 13.2% demonstrates continued momentum. PEG of 0.31 suggests the stock is reasonably priced for its growth.
Bull Case : HQY
The strongest argument for HQY centers on Operating Margin, EPS Growth. Profitability is solid with margins at 17.2% and operating margin at 29.3%. PEG of 1.27 suggests the stock is reasonably priced for its growth.
Bear Case : CCLD
The primary concerns for CCLD are Market Cap, Profit Margin, Operating Margin.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Key Dynamics to Monitor
CCLD profiles as a value stock while HQY is a mature play — different risk/reward profiles.
CCLD carries more volatility with a beta of 1.60 — expect wider price swings.
CCLD is growing revenue faster at 13.2% — sustainability is the question.
HQY generates stronger free cash flow (97M), providing more financial flexibility.
Bottom Line
CCLD scores higher overall (66/100 vs 66/100) and 13.2% revenue growth. HQY offers better value entry with a 49.2% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
CareCloud, Inc.
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
CareCloud, Inc., a healthcare information technology (IT) company, provides a suite of cloud-based solutions and related business services to healthcare providers and hospitals primarily in the United States. The company is headquartered in Somerset, New Jersey.
Visit Website →HealthEquity Inc
HEALTHCARE · HEALTH INFORMATION SERVICES · USA
HealthEquity, Inc. provides technology-enabled service platforms to consumers and employers in the United States. The company is headquartered in Draper, Utah.
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