CareCloud, Inc. (CCLD)vsHealthEquity Inc (HQY)
CCLD
CareCloud, Inc.
$2.05
+0.49%
HEALTHCARE · Cap: $87.11M
HQY
HealthEquity Inc
$96.26
+1.81%
HEALTHCARE · Cap: $7.72B
Smart Verdict
WallStSmart Research — data-driven comparison
HealthEquity Inc generates 959% more annual revenue ($1.36B vs $128.64M). HQY leads profitability with a 17.4% profit margin vs 6.2%. CCLD appears more attractively valued with a PEG of 0.31. HQY earns a higher WallStSmart Score of 62/100 (C+).
CCLD
Buy51
out of 100
Grade: C-
HQY
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.8%
Fair Value
$6.55
Current Price
$2.05
$4.50 discount
Margin of Safety
+58.5%
Fair Value
$185.20
Current Price
$96.26
$88.94 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
16.4% revenue growth
Strong operational efficiency at 28.4%
Areas to Watch
Moderate valuation
Smaller company, higher risk/reward
6.2% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CCLD
The strongest argument for CCLD centers on PEG Ratio, Revenue Growth. Revenue growth of 16.4% 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. Profitability is solid with margins at 17.4% and operating margin at 28.4%. PEG of 1.40 suggests the stock is reasonably priced for its growth.
Bear Case : CCLD
The primary concerns for CCLD are P/E Ratio, Market Cap, Profit Margin. Debt-to-equity of 3.10 is elevated, increasing financial risk.
Bear Case : HQY
The primary concerns for HQY are P/E Ratio, Altman Z-Score.
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 1.50 — expect wider price swings.
CCLD is growing revenue faster at 16.4% — sustainability is the question.
HQY generates stronger free cash flow (135M), providing more financial flexibility.
Bottom Line
HQY scores higher overall (62/100 vs 51/100), backed by strong 17.4% margins. CCLD offers better value entry with a 65.8% margin of safety. Both earn "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.
Compare with Other HEALTH INFORMATION SERVICES Stocks
Want to dig deeper into these stocks?