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CareCloudSTU:MTB -5.82%42 Debt-to-EBITDA is 2.32 as of Jun. 2026, which is 300% above its 10-year median of 0.58. GuruFocus rates STU:MTB with a GF Score™ of 42/100 and a GF Value™ of €0.93 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 478 Healthcare Providers & Services companies, CareCloud ranks better than 53.56% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for CareCloud's Debt-to-EBITDA or its related term are showing as below:
STU:MTB'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -5 Med: 0.58 Max: 2.39
Current: 1.98
During the past 13 years, the highest Debt-to-EBITDA Ratio of CareCloud was 2.39. The lowest was -5.00. And the median was 0.58.
STU:MTB's Debt-to-EBITDA is ranked better than 53.56% of 478
companies
in the Healthcare Providers & Services industry
Industry Median: 2.195
vs STU:MTB: 1.98
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
CareCloud Debt-to-EBITDA Related Terms
CareCloud Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CareCloud's Debt-to-EBITDA 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.
STU:MTB vs DH, OPRX, DRIO: Debt-to-EBITDA Comparison
For the Health Information Services subindustry, CareCloud's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Healthcare Providers & Services Industry
For the Healthcare Providers & Services industry and Healthcare sector, CareCloud's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CareCloud's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
CareCloud (STU:MTB) has a Debt-to-EBITDA of 2.32 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CareCloud. This is 300% above median its historical median of 0.58. According to the industry distribution chart, CareCloud ranks #222 out of 478 companies in the Healthcare Providers & Services industry, placing it in the top 46.4%.
Is CareCloud's Debt-to-EBITDA too high?
CareCloud's current Debt-to-EBITDA of 2.32 is 300% above median its 10-year median of 0.58. The Healthcare Providers & Services industry median Debt-to-EBITDA is 2.20. CareCloud's value of 2.32 is 5.7% above this industry median. Based on the distribution chart, CareCloud ranks #222 out of 478 companies in the Healthcare Providers & Services industry, which is above the industry midpoint. Overall, CareCloud has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CareCloud's Debt-to-EBITDA compare to DH and OPRX?
According to the Healthcare Providers & Services industry distribution chart, CareCloud ranks #222 out of 478 companies for Debt-to-EBITDA. This puts CareCloud in the upper half of its industry. The industry median Debt-to-EBITDA is 2.20. CareCloud's value of 2.32 is 5.7% above this benchmark. While the company's 10-year median is 0.58 vs. the industry median of 2.20, CareCloud has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Healthcare Providers & Services company?
The median Debt-to-EBITDA among Healthcare Providers & Services companies is 2.20, based on 478 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CareCloud's current Debt-to-EBITDA of 2.32 is 5.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CareCloud. For the Healthcare Providers & Services industry, the median Debt-to-EBITDA is 2.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CareCloud's current Debt-to-EBITDA is 2.32, which is 300% above median its own 10-year median of 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CareCloud stock overvalued right now?
Based on GuruFocus' analysis, CareCloud (STU:MTB) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.93, compared to a current price of €2.10 — trading 126.2% above its estimated fair value. The current Debt-to-EBITDA is 2.32, which is 300% above median its 10-year median of 0.58 and 5.7% above the Healthcare Providers & Services industry median of 2.20. CareCloud's overall GF Score™ is 42/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For CareCloud (STU:MTB), the current Debt-to-EBITDA is 2.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CareCloud (STU:MTB) Overvalued in 2026?
Based on GuruFocus' analysis, CareCloud stock appears to be overvalued.
The current stock price of €2.10 is trading 126.2% above its estimated GF Value™ of €0.93.
GuruFocus considers CareCloud to be Significantly Overvalued.
Key valuation signals for STU:MTB:
Debt-to-EBITDA: 2.32 (300% above median its 10-year median of 0.58)
GF Value™: €0.93 vs. price of €2.10 (126.2% above fair value)
Industry Position: 5.7% above the Healthcare Providers & Services median (#222 of 478)
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 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.
42GF Score
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