CareCloud Inc. (CCLD)vsHealthEquity Inc (HQY)
CCLD
CareCloud Inc.
$3.50
-3.05%
HEALTHCARE · Cap: $145.75M
HQY
HealthEquity Inc
$82.47
+0.45%
HEALTHCARE · Cap: $7.01B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 990% more annual revenue ($1.31B vs $120.50M). HQY leads profitability with a 16.4% profit margin vs 9.0%. HQY trades at a lower P/E of 33.4x. HQY earns a higher WallStSmart Score of 68/100 (B-).
CCLD
Buy54
out of 100
Grade: C-
HQY
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+52.1%
Fair Value
$4.68
Current Price
$3.50
$1.18 discount
Margin of Safety
+33.2%
Fair Value
$115.13
Current Price
$82.47
$32.66 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Earnings expanding 57.4% YoY
Conservative balance sheet, low leverage
Reasonable price relative to book value
Revenue surging 21.9% year-over-year
Earnings expanding 92.4% YoY
Growing faster than its price suggests
Strong operational efficiency at 21.6%
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : CCLD
The strongest argument for CCLD centers on EPS Growth, Debt/Equity, Price/Book. Revenue growth of 21.9% demonstrates continued momentum.
Bull Case : HQY
The strongest argument for HQY centers on EPS Growth, PEG Ratio, Operating Margin. Profitability is solid with margins at 16.4% and operating margin at 21.6%. PEG of 0.89 suggests the stock is reasonably priced for its growth.
Bear Case : CCLD
The primary concerns for CCLD are P/E Ratio, Market Cap.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio.
Key Dynamics to Monitor
CCLD profiles as a growth stock while HQY is a mature play — different risk/reward profiles.
CCLD carries more volatility with a beta of 2.15 — expect wider price swings.
CCLD is growing revenue faster at 21.9% — sustainability is the question.
HQY generates stronger free cash flow (102M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (68/100 vs 54/100), backed by strong 16.4% margins. CCLD offers better value entry with a 52.1% margin of safety. Both earn "Strong Buy" and "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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