Core Insights - The article emphasizes the importance of value investing as a strategy to identify undervalued stocks in various market conditions [2] - CareCloud (CCLD) is highlighted as a strong investment opportunity, currently holding a Zacks Rank 2 (Buy) and an A for Value [3] Valuation Metrics - CareCloud has a Price-to-Book (P/B) ratio of 2.64, which is attractive compared to the industry average P/B of 5.44 [4] - The P/B ratio for CCLD has fluctuated between a high of 2.90 and a low of 0.48 over the past year, with a median of 1.27 [4] - The Price-to-Sales (P/S) ratio for CareCloud is 1.23, which is lower than the industry average P/S of 1.54 [5] Investment Outlook - The metrics indicate that CareCloud is likely undervalued, and combined with a strong earnings outlook, it is considered a great value stock at this time [6]

Core Viewpoint - CareCloud, Inc. has successfully converted its Series A Preferred Stock into common equity, resulting in a significant increase in common shares outstanding and reaffirming its growth outlook while maintaining financial guidance [1][2][3] Group 1: Preferred Stock Conversion - The conversion of Series A Preferred Stock, completed on March 6, 2025, led to the issuance of approximately 26 million shares of common stock, raising the total common shares outstanding from about 16 million to approximately 42 million [2] - Following the conversion, CareCloud's stock has shown resilience, trading at a recent closing price of $3.49 on March 27, 2026, consistent with levels observed before and during the conversion [2] - The conversion process is nearly complete, with only three substantial shareholders remaining, indicating a strong market transition reflective of the company's business fundamentals [2] Group 2: Financial Guidance and Business Outlook - CareCloud's CEO, Stephen Snyder, emphasized the company's strong operating model, which includes significant recurring revenue and robust cash flow generation, and plans to simplify its capital structure over time [3] - The company has approximately $40 million of Series B Preferred Stock outstanding, which does not have a conversion feature into common equity, thus not posing future dilution risks to common shareholders [3] - CareCloud reaffirms its financial guidance and expresses confidence in its growth outlook, noting that a previously disclosed cybersecurity incident was contained and had no material impact on operations [3] Group 3: Company Overview - CareCloud provides healthcare technology and revenue cycle management solutions, helping over 45,000 providers enhance financial and operational performance while improving patient care [4] - The company's offerings include revenue cycle management (RCM), practice management (PM), electronic health records (EHR), business intelligence, patient experience management (PXM), and digital health solutions [4]

Core Insights - CareCloud, Inc. will attend the HFMA Revenue Cycle Conference in Arlington, Texas, showcasing the evolution of its MAP App, a web-based revenue cycle benchmarking tool [1][2] - The company has invested in expanding MAP App's capabilities since its acquisition from HFMA, enhancing visibility into revenue cycle performance for healthcare organizations [2][3] Company Developments - CareCloud's MAP App is recognized as a trusted resource for healthcare organizations aiming to improve revenue cycle performance, with a focus on new development capabilities and a clear product roadmap [3] - The company will host a networking happy hour during the conference, aimed at connecting revenue cycle professionals and MAP App users [4][7] Webinar and Educational Initiatives - For those unable to attend the conference, CareCloud will conduct a live webinar on April 7, 2026, covering recent updates and real-world use cases of MAP App [4][5] - The webinar will address best practices for leveraging MAP App benchmarking data and how organizations can identify revenue cycle improvement opportunities [8] About CareCloud - CareCloud provides AI and technology-enabled solutions to enhance financial and operational performance in healthcare, serving over 45,000 providers [9]

Core Insights - The article emphasizes the importance of the Zacks Rank system, which focuses on earnings estimates and revisions to identify winning stocks [1] - Value investing is highlighted as a favored strategy that seeks to find undervalued companies in the market [2] Company Analysis - CareCloud (CCLD) is identified as a stock to watch, currently holding a Zacks Rank of 2 (Buy) and an A grade in the Value category, indicating strong potential for value investors [3] - CCLD has a price-to-book (P/B) ratio of 2.64, which is favorable compared to its industry's average P/B of 6.06, suggesting that the stock may be undervalued [4] - The stock's P/B ratio has fluctuated between a high of 2.90 and a low of 0.48 over the past 52 weeks, with a median of 1.27 [4] - CCLD's price-to-sales (P/S) ratio stands at 1.02, which is lower than the industry's average P/S of 1.65, further indicating potential undervaluation [5] - The combination of CCLD's strong earnings outlook and favorable valuation metrics positions it as an impressive value stock at present [6]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark one) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-36529 CareCloud, Inc. (Exact name of registrant as specified in its charter) Delaware 22-3832302 (State or other jurisdiction of inc ...

分组1 - CareCloud, Inc. reported quarterly earnings of $0.11 per share, matching the Zacks Consensus Estimate, but down from $0.23 per share a year ago [1] - The company posted revenues of $34.42 million for the quarter ended December 2025, exceeding the Zacks Consensus Estimate by 5.30%, compared to $28.24 million in the same quarter last year [2] - CareCloud has surpassed consensus revenue estimates three times over the last four quarters [2] 分组2 - The stock has declined approximately 8.9% since the beginning of the year, while the S&P 500 has only declined by 1% [3] - The current consensus EPS estimate for the upcoming quarter is $0.06 on revenues of $31.78 million, and for the current fiscal year, it is $0.42 on revenues of $130.33 million [7] - The Zacks Industry Rank for Medical Info Systems is in the bottom 41% of over 250 Zacks industries, indicating potential challenges for stock performance [8]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 10, 2026 CARECLOUD, INC. (Exact name of registrant as specified in its charter) Delaware 001-36529 22-3832302 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.) Securities registered pursuant to Section 12(b) of the Act: 7 Clyde Road, ...

Core Viewpoint - CareCloud, Inc. has announced a formal plan to address 14 months of accumulated unpaid dividends on its Series B Preferred Stock, reflecting the company's financial turnaround and confidence in its growing recurring revenues and margins [1][4]. Dividend Plan - The company plans to issue double monthly dividend payments, starting with the January 2026 dividend, which will include one regular payment and one additional payment for the arrears [2][6]. - The total amount of accumulated dividends in arrears is approximately $3.9 million, equating to $2.55 per share of Series B Preferred Stock [6]. Financial Strength and Commitment - CareCloud's leadership emphasizes the company's renewed financial strength, operational efficiency, and commitment to fulfilling obligations to shareholders [4][6]. - The double-payment structure is designed to maintain regular monthly dividends while systematically addressing the arrears without compromising the company's growth trajectory [4][6]. Dividend Payment Details - Dividends on the Series B Preferred Stock are cumulative and payable monthly, with payments expected around the 15th of each month [4][6]. - The company anticipates completing the catch-up payments by the end of the first quarter of 2027 [6].

Financial Performance - For the three months ended September 30, 2025, net revenue was $31,067,000, an increase of 8.3% from $28,546,000 in the same period of 2024[175]. - Adjusted EBITDA for the nine months ended September 30, 2025, was $19,857,000, compared to $16,916,000 for the same period in 2024, reflecting a growth of 11.5%[175]. - GAAP net income for the three months ended September 30, 2025, was $3,060,000, slightly down from $3,122,000 in 2024, indicating a decrease of 2.0%[175]. - Adjusted net income for Q3 2025 was $4.41 million, up from $3.47 million in Q3 2024, representing a 27% increase[177]. - Net revenue for Q3 2025 was $31.07 million, a 9% increase from $28.55 million in Q3 2024, while net revenue for the nine months ended September 30, 2025, was $86.08 million, up 4% from $82.60 million in the same period of 2024[194]. - GAAP operating margin for the nine months ended September 30, 2025, was 9.6%, compared to 6.9% in the same period of 2024[175]. - Adjusted operating margin for the three months ended September 30, 2025, was 14.5%, up from 12.9% in the same period of 2024[175]. Operating Expenses - Total operating expenses increased to $27.9 million for the three months ended September 30, 2025, up by $2.6 million or 10% compared to the same period in 2024[196]. - Direct operating costs as a percentage of net revenue decreased to 52.2% in Q3 2025 from 54.0% in Q3 2024[193]. - Total operating expenses as a percentage of net revenue were 89.6% in Q3 2025, down from 88.5% in Q3 2024[193]. - Direct operating costs increased to $16.2 million for the three months ended September 30, 2025, up by $804,000 or 5% compared to the same period in 2024[196]. - Selling and marketing expenses decreased to $1.1 million for the three months ended September 30, 2025, down by $252,000 or 18% from the prior year[197]. - Research and development expenses rose to $1.6 million for the three months ended September 30, 2025, an increase of $784,000 or 98% compared to the same period in 2024[199]. Cash and Liquidity - The company held cash of approximately $1.2 million in Pakistan and Sri Lanka as of September 30, 2025, compared to $119,000 as of December 31, 2024[164]. - As of September 30, 2025, the company had total cash of $5.1 million and net working capital of $6.1 million[210]. - The company entered into a two-year, $10 million revolving line of credit with Provident Bank in September 2025, with $6.5 million borrowed as of September 30, 2025[209]. - Net cash provided by operating activities was $19.9 million for the nine months ended September 30, 2025, an increase of $4.5 million or 29% compared to the same period in 2024[215]. - Net cash provided by financing activities was $1.2 million in 2025, a decrease from $10.7 million in 2024[218]. - Cash used in financing activities included $4.8 million of preferred stock dividends in 2025[218]. - The company expects sufficient liquidity to meet its obligations for the next twelve months based on management's forecasts[212]. Investments and Acquisitions - Net cash used in investing activities was $21.2 million for the nine months ended September 30, 2025, compared to $5.1 million in 2024, indicating a significant increase in investment[217]. - Capital expenditures increased to $2.7 million in 2025 from $759,000 in 2024, primarily for computer equipment and leasehold improvements[217]. - Software development costs capitalized were $2.5 million in 2025, down from $4.4 million in 2024, reflecting a decrease in investment in technology solutions[217]. - Payments for acquisitions totaled $16 million during the nine months ended September 30, 2025[217]. Operational Highlights - The company’s AI-powered solutions, such as cirrusAI Notes, save providers 20% more time per day by alleviating documentation burdens[169]. - The company employs approximately 350 health industry experts in the U.S. and a specialized offshore workforce of about 3,500, achieving significant cost reductions[170]. - The company’s technology-enabled business solutions include a comprehensive suite of services such as revenue cycle management, electronic health records, and telehealth solutions[165]. - Technology-enabled business solutions accounted for approximately 69% of revenue in Q3 2025, compared to 63% in Q3 2024[181]. - Medical practice management services contributed approximately 14% of revenue in Q3 2025, compared to 15% in Q3 2024[182]. - The company served approximately 45,000 providers as of September 30, 2025, consistent with the number from September 30, 2024[180]. Compliance and Risk - The company maintained compliance with all covenants under its line of credit as of September 30, 2025[219]. - As of September 30, 2025, the company had no off-balance sheet arrangements or relationships with unconsolidated entities[220]. - The company is classified as a smaller reporting company and is not required to provide additional market risk disclosures[221].

Financial Performance - CareCloud reported Q3 2025 revenue of $31.1 million, a 9% increase from $28.5 million in Q3 2024[2] - The company achieved GAAP net income of $3.1 million, maintaining profitability compared to the same quarter last year[2] - Adjusted net income rose by 27% to $4.4 million, up from $3.5 million year-over-year[2] - CareCloud increased its full-year 2025 revenue guidance to $117 – $119 million, up from the previous range of $111 – $114 million[5] - Adjusted EBITDA is projected to be between $26 million and $28 million for the full year 2025[6] - GAAP EPS improved to $0.04, a $0.08 increase from a loss of $0.04 in Q3 2024[2] - Total assets increased to $90.6 million as of September 30, 2025, compared to $71.6 million at the end of 2024[19] - Net revenue for the three months ended September 30, 2025, was $31,067 million, a 5.3% increase from $28,546 million in the same period of 2024[21] - Operating income for the nine months ended September 30, 2025, rose to $8,225 million, compared to $5,665 million for the same period in 2024, reflecting a 45.1% increase[21] - Adjusted EBITDA for the nine months ended September 30, 2025, was $19,857 million, up from $16,916 million in the same period of 2024, indicating a 11.5% growth[27] - Cash provided by operating activities for the nine months ended September 30, 2025, was $19,886 million, compared to $15,413 million in 2024, marking a 29.5% increase[23] - Preferred stock dividends paid amounted to $4,821 million in the nine months ended September 30, 2025, compared to no dividends in the same period of 2024[23] - The end of period cash and restricted cash balance was $5,073 million as of September 30, 2025, compared to $2,782 million at the end of September 2024[23] Strategic Acquisitions - The company completed four strategic acquisitions in 2025, enhancing its market presence[3] - The company reduced its line of credit borrowing to $4.9 million from $8.3 million, funding the Medsphere acquisition with a total cash purchase price of $16.5 million[4] Research and Development - Research and development expenses increased significantly to $1,584 million in Q3 2025, up from $800 million in Q3 2024, representing a 98.0% increase[21] Non-GAAP Financial Measures - Management emphasizes the importance of non-GAAP financial measures to understand operational strength and historical trends[37] - Adjusted EBITDA is defined as GAAP net income before taxes, net interest expense, stock-based compensation, and other specified expenses[34] - Non-GAAP adjusted operating income excludes stock-based compensation, amortization of intangible assets, and other costs, providing a clearer view of operational performance[35] - Non-GAAP adjusted net income is calculated by excluding stock-based compensation and other non-recurring items, offering insights into ongoing profitability[36] - Management excludes foreign exchange losses and other non-operating expenses from non-GAAP measures as they do not reflect ongoing operations[38] - Stock-based compensation is considered a non-cash expense and is excluded from operating results to better assess performance[39] - Amortization of purchased intangible assets is not included in operating decisions as it does not reflect current operational performance[40] - Transaction costs related to acquisitions are excluded as they do not correlate with future business operations[41] - Integration costs associated with acquisitions are not considered in operating decisions due to their lack of correlation with ongoing operations[42] - Restructuring costs are excluded from performance assessments as they do not reflect the company's ongoing operational results[43]