CareCloud (STU:MTB) Cyclically Adjusted PB Ratio: (As of Aug. 07, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:MTB CareCloud Inc STU:MTB
44 GF Score
Price €1.86
GF Value €0.85
Valuation Significantly Overvalued
! 2 Warning Signs
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What is CareCloud Cyclically Adjusted PB Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PB Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


CareCloud  (STU:MTB) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


CareCloud Cyclically Adjusted PB Ratio Related Terms


CareCloud Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for CareCloud's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

CareCloud Cyclically Adjusted PB Ratio Chart

CareCloud Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.79 0.38 0.86 0.67

CareCloud Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.54 0.73 0.67 0.83 0.00

STU:MTB vs DH, OPRX, DRIO: Cyclically Adjusted PB Ratio Comparison

For the Health Information Services subindustry, CareCloud's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


CareCloud Cyclically Adjusted PB Ratio vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, CareCloud's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where CareCloud's Cyclically Adjusted PB Ratio falls into.


STU:MTB
44GF Score
CareCloud Inc STU:MTB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CareCloud Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

CareCloud's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, CareCloud's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.355/333.9520*333.9520
=0.355

Current CPI (Jun. 2026) = 333.9520.

CareCloud Quarterly Data

Book Value per Share CPI Adj_Book
201609 0.981 241.428 1.357
201612 0.667 241.432 0.923
201703 0.380 243.801 0.521
201706 0.877 244.955 1.196
201709 1.206 246.819 1.632
201712 1.484 246.524 2.010
201803 1.437 249.554 1.923
201806 2.136 251.989 2.831
201809 1.975 252.439 2.613
201812 2.888 251.233 3.839
201903 2.727 254.202 3.583
201906 2.532 256.143 3.301
201909 2.782 256.759 3.618
201912 3.150 256.974 4.094
202003 4.185 258.115 5.415
202006 5.658 257.797 7.329
202009 6.614 260.280 8.486
202012 6.220 260.474 7.975
202103 6.038 264.877 7.613
202106 5.553 271.696 6.825
202109 5.546 274.310 6.752
202112 5.810 278.802 6.959
202203 6.166 287.504 7.162
202206 6.445 296.311 7.264
202209 6.827 296.808 7.681
202212 6.303 296.797 7.092
202303 5.875 301.836 6.500
202306 5.523 305.109 6.045
202309 5.208 307.789 5.651
202312 2.409 306.746 2.623
202403 2.364 312.332 2.528
202406 2.488 314.175 2.645
202409 2.583 315.301 2.736
202412 2.924 315.605 3.094
202503 1.184 319.799 1.236
202506 1.149 322.561 1.190
202509 1.162 324.800 1.195
202512 1.197 324.054 1.234
202603 1.187 330.213 1.200
202606 0.355 333.952 0.355

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is CareCloud (STU:MTB) Overvalued in 2026?

Based on GuruFocus' analysis, CareCloud stock appears to be overvalued. The current stock price of €1.86 is trading 119.1% above its estimated GF Value™ of €0.85. GuruFocus considers CareCloud to be Significantly Overvalued.

Key valuation signals for STU:MTB:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €0.85 vs. price of €1.86 (119.1% above fair value)
  • GF Score™: 44/100 with 2 warning signs

No single metric tells the full story. See the STU:MTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CareCloud Business Description

Other Exchanges CCLD:USA
Address 7 Clyde Road, Somerset, NJ, USA, 08873
CareCloud Inc delivers flexible, tech-enabled solutions for healthcare providers of all sizes and multi-specialties across the U.S. It is a healthcare technology company offering cloud-based solutions that simplify clinical, administrative, and financial workflows for medical practices of all sizes. Its comprehensive suite includes Electronic Health Records (EHRs), Practice Management, Revenue Cycle Management (RCM), Medical Billing, Telehealth, and Patient Experience solutions. The group helps practices increase efficiency, improve patient care, and drive sustainable growth-all while ensuring HIPAA compliance and seamless integration. The operating segments of the group are Healthcare IT, which is the key revenue-generating segment, and Medical Practice Management.
44GF Score

Get the complete analysis for STU:MTB

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.86
Price
€0.85
GF Value