WallStSmart

CareCloud, Inc. (CCLD)vsR1 RCM Inc (RCM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

R1 RCM Inc generates 1885% more annual revenue ($2.46B vs $124.14M). CCLD leads profitability with a 7.9% profit margin vs -2.5%. CCLD appears more attractively valued with a PEG of 0.31. CCLD earns a higher WallStSmart Score of 66/100 (B-).

CCLD

Strong Buy

66

out of 100

Grade: B-

Growth: 6.0Profit: 6.0Value: 8.7Quality: 6.5
Piotroski: 3/9Altman Z: 2.20

RCM

Hold

39

out of 100

Grade: F

Growth: 6.0Profit: 3.0Value: 5.7Quality: 6.0
Piotroski: 6/9Altman Z: 1.34
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CCLDUndervalued (+58.0%)

Margin of Safety

+58.0%

Fair Value

$5.33

Current Price

$2.35

$2.98 discount

UndervaluedFair: $5.33Overvalued
RCMUndervalued (+27.7%)

Margin of Safety

+27.7%

Fair Value

$19.79

Current Price

$14.31

$5.48 discount

UndervaluedFair: $19.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CCLD4 strengths · Avg: 9.5/10
PEG RatioValuation
0.3110/10

Growing faster than its price suggests

EPS GrowthGrowth
5739.0%10/10

Earnings expanding 5739.0% YoY

Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

RCM1 strengths · Avg: 8.0/10
Price/BookValuation
2.1x8/10

Reasonable price relative to book value

Areas to Watch

CCLD4 concerns · Avg: 3.0/10
Market CapQuality
$99.86M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.9%3/10

7.9% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

RCM4 concerns · Avg: 2.8/10
PEG RatioValuation
2.064/10

Expensive relative to growth rate

Operating MarginProfitability
3.8%3/10

Operating margin of 3.8%

Return on EquityProfitability
-2.2%2/10

ROE of -2.2% — below average capital efficiency

EPS GrowthGrowth
-99.3%2/10

Earnings declined 99.3%

Comparative Analysis Report

WallStSmart Research

Bull 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 : RCM

The strongest argument for RCM centers on Price/Book. Revenue growth of 14.7% demonstrates continued momentum.

Bear Case : CCLD

The primary concerns for CCLD are Market Cap, Profit Margin, Operating Margin.

Bear Case : RCM

The primary concerns for RCM are PEG Ratio, Operating Margin, Return on Equity.

Key Dynamics to Monitor

CCLD profiles as a value stock while RCM is a turnaround play — different risk/reward profiles.

CCLD carries more volatility with a beta of 1.60 — expect wider price swings.

RCM is growing revenue faster at 14.7% — sustainability is the question.

RCM generates stronger free cash flow (60M), providing more financial flexibility.

Bottom Line

CCLD scores higher overall (66/100 vs 39/100) and 13.2% revenue growth. RCM offers better value entry with a 27.7% margin of safety. Both earn "Strong Buy" and "Hold" 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.

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R1 RCM Inc

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

R1 RCM Inc (RCM) is a leading provider of technology-driven revenue cycle management solutions that significantly enhance the financial performance of healthcare organizations across the United States. By leveraging advanced analytics and deep industry expertise, R1 RCM offers comprehensive services that optimize billing processes and improve operational efficiency for hospitals and outpatient facilities alike. The company’s innovative approach not only enhances revenue capture but also elevates patient experiences, establishing R1 RCM as a critical player in the evolving healthcare sector. With a strong emphasis on expanding its service offerings and increasing market share, R1 RCM is strategically positioned to capitalize on the growing demand for sophisticated revenue cycle management services.

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