Head to Head Comparison: CareCloud (NASDAQ:CCLD) versus nCino (NASDAQ:NCNO)

nCino (NASDAQ:NCNO) and CareCloud (NASDAQ:CCLD) are both computer and technology companies, but which is the better business? We will compare the two companies based on the strength of their valuation, dividends, profitability, institutional ownership, risk, analyst recommendations and earnings.

Insider & Institutional Ownership

94.8% of nCino shares are owned by institutional investors. Comparatively, 10.2% of CareCloud shares are owned by institutional investors. 28.4% of nCino shares are owned by company insiders. Comparatively, 38.4% of CareCloud shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings for nCino and CareCloud, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
nCino	0	5	11	0	2.69
CareCloud	0	2	1	0	2.33

nCino presently has a consensus target price of $41.36, suggesting a potential upside of 43.01%. CareCloud has a consensus target price of $2.50, suggesting a potential upside of 70.07%. Given CareCloud’s higher probable upside, analysts clearly believe CareCloud is more favorable than nCino.

Earnings & Valuation

This table compares nCino and CareCloud”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
nCino	$522.98 million	6.40	-$42.35 million	($0.17)	-170.12
CareCloud	$111.01 million	0.56	-$48.67 million	($0.20)	-7.35

nCino has higher revenue and earnings than CareCloud. nCino is trading at a lower price-to-earnings ratio than CareCloud, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares nCino and CareCloud’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
nCino	-3.46%	1.62%	1.22%
CareCloud	-35.25%	-87.98%	-50.79%

Volatility and Risk

nCino has a beta of 0.66, meaning that its share price is 34% less volatile than the S&P 500. Comparatively, CareCloud has a beta of 1.55, meaning that its share price is 55% more volatile than the S&P 500.

Summary

nCino beats CareCloud on 10 of the 14 factors compared between the two stocks.

About nCino

nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System connects financial institution employees, clients and third parties on a single cloud-based platform which include client onboarding, deposit account opening, loan origination, end-to-end mortgage suite, and powerful ecosystem. The company's nIQ, an application suite that utilizes data analytics and artificial intelligence and machine learning to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a cloud-based mobile-first homeownership software solution. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.

About CareCloud

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. It operates in two segments, Healthcare IT and Medical Practice Management. The company's portfolio of proprietary software and business services includes technology-enabled business solutions; cloud-based software; digital health services; healthcare IT professional services and staffing; and medical practice management services. Its technology-enabled business solutions comprise revenue cycle management services, healthcare claims clearinghouse, and medical coding and credentialing services; electronic health records, practice management software and related capabilities, patient experience management solutions, business intelligence and healthcare analytics platforms, and customized applications, interfaces, and various other technology solutions, as well as artificial intelligence, such as CareCloud cirrusAI, AI-powered clinical decision support, AI-powered virtual support assistant, AI-driven appeals, and CareCloud cirrusAI. In addition, the company provides chronic care management, remote patient monitoring, and telemedicine solutions; and professional and consulting services, workforce augmentation and on-demand staffing, and strategic advisory services. Further, it offers medical practice management services to medical practices comprising appropriate facilities, equipment, supplies, support services, nurses, and administrative support staff, as well as management, bill-paying, and financial advisory services. It serves physicians, nurses, nurse practitioners, physician assistants, and other clinicians that render bills for their services. The company was formerly known as MTBC, Inc. and changed its name to CareCloud, Inc. in March 2021. CareCloud, Inc. was founded in 1999 and is headquartered in Somerset, New Jersey.