WallStSmart

CareCloud, Inc. (CCLD)vsTempus AI, Inc. Class A Common Stock (TEM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Tempus AI, Inc. Class A Common Stock generates 999% more annual revenue ($1.36B vs $124.14M). CCLD leads profitability with a 7.9% profit margin vs -22.2%. 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

TEM

Avoid

31

out of 100

Grade: F

Growth: 8.0Profit: 2.0Value: 5.0Quality: 5.5
Piotroski: 4/9Altman Z: -0.66
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

Intrinsic value data unavailable for TEM.

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

TEM1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
36.1%10/10

Revenue surging 36.1% year-over-year

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

TEM4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Debt/EquityHealth
1.963/10

Elevated debt levels

Price/BookValuation
20.0x2/10

Trading at 20.0x book value

Return on EquityProfitability
-72.7%2/10

ROE of -72.7% — below average capital efficiency

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 : TEM

The strongest argument for TEM centers on Revenue Growth. Revenue growth of 36.1% demonstrates continued momentum.

Bear Case : CCLD

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

Bear Case : TEM

The primary concerns for TEM are EPS Growth, Debt/Equity, Price/Book. Debt-to-equity of 1.96 is elevated, increasing financial risk.

Key Dynamics to Monitor

CCLD profiles as a value stock while TEM is a hypergrowth play — different risk/reward profiles.

TEM is growing revenue faster at 36.1% — sustainability is the question.

CCLD generates stronger free cash flow (3M), providing more financial flexibility.

Monitor HEALTH INFORMATION SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CCLD scores higher overall (66/100 vs 31/100) and 13.2% revenue growth. Both earn "Strong Buy" and "Avoid" 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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Tempus AI, Inc. Class A Common Stock

HEALTHCARE · HEALTH INFORMATION SERVICES · USA

Tempus AI, Inc is a healthcare technology company. The company is headquartered in Chicago, Illinois.

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