Also trades as: CCLDO (NASDAQ) · $vol 0M · CCLDP (NASDAQ) · $vol 0M · MTBCP (NASDAQ) · $vol 0M · MTBC (NASDAQ) · $vol 0M · MTBCO (NASDAQ) · $vol 0M

$2.02

-0.02 (-0.98%)

Weekly Expected Move ±5.2%

$2 $2 $2 $2 $2

NASDAQ · Healthcare · Medical - Healthcare Information Services · Tech Score Strong Sell · Power 29 · $85.8M mcap · 25M float · 1.19% daily turnover · Short 49% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

38.9 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 15.7% · 5Y Avg: -10.5%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. CCLD has No discernible competitive edge (38.9/100). The business operates without significant structural advantages. The primary source of advantage is Cost Advantage. ROIC of 15.7% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

Avg Target

High

Based on 1 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 6Hold: 2Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$3.25

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2025-11-06	Roth Capital	Richard Baldry	$2	$3	+2	-8.1%	$3.54
2025-03-13	Roth Capital	—	Initiated	$2	—	-6.3%	$1.60
2024-03-22	Maxim Group	Allen Klee	Initiated	$3	—	+160.9%	$1.15

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. CCLD receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (5/5), ROA (5/5). Areas of concern: D/E (1/5), P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-08-10	B	B+
2026-08-06	B+	B
2026-06-22	A-	B+
2026-05-18	A	A-
2026-05-08	A-	A
2026-05-07	B	A-
2026-04-01	B+	B
2026-03-13	A	B+
2026-01-03	A-	A

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 42 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. CCLD scores highest in Cash Flow (80/100) and lowest in Safety (30/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

1.62

Distress Zone

Piotroski F-Score

4/9

✓ ✓ ✗ ✓ ✗ ✗ ✗ ✗ ✓

Beneish M-Score

-3.28

Unlikely Manipulator

Ohlson O-Score

-4.57

Bankruptcy prob: 1.0%

Low Risk

Credit Rating

BBB+

Score: 60.8/100

Trend: Deteriorating

Earnings Quality

75/100

OCF/NI: 3.34x

Accruals: -22.2%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. CCLD scores 1.62, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. CCLD scores 4/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. CCLD's score of -3.28 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. CCLD's implied 1.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. CCLD receives an estimated rating of BBB+ (score: 60.8/100), with a deteriorating trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). CCLD's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

28.94x

PEG

0.07x

P/S

0.67x

P/B

4.93x

P/FCF

3.27x

P/OCF

3.37x

EV/EBITDA

4.73x

EV/Revenue

1.02x

EV/EBIT

13.75x

EV/FCF

4.74x

Earnings Yield

8.87%

FCF Yield

30.61%

Shareholder Yield

3.49%

Graham Number

$1.32

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 28.9x earnings, CCLD commands a growth premium. An earnings yield of 8.9% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $1.32 per share, 53% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.967

NI / EBT

Interest Burden

0.869

EBT / EBIT

EBIT Margin

0.074

EBIT / Rev

Asset Turnover

1.522

Rev / Assets

Equity Multiplier

2.301

Assets / Equity

ROE

21.8%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. CCLD's ROE of 21.8% is driven by Asset Turnover (1.522), indicating efficient use of assets to generate revenue. A tax burden ratio of 0.97 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$1.60

Price/Value

1.33x

Margin of Safety

-32.61%

Premium

32.61%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with CCLD's realized 0.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. CCLD trades at a 33% premium to its adjusted intrinsic value of $1.60, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 28.9x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$2.02

Median 1Y

$1.29

5th Pctile

$0.34

95th Pctile

$4.94

Ann. Volatility

80.9%

25th–75th percentile 5th–95th percentile Median path Historical

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

3,650

+10.6% YoY

Revenue / Employee

$33,013

Rev: $120,499,000

Profit / Employee

$2,958

NI: $10,798,000

SGA / Employee

$6,357

Avg labor cost proxy

R&D / Employee

$1,748

Innovation spend

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	-0.5%	2.8%	5.8%	8.9%	8.5%	5.4%	3.9%	-0.7%	-4.7%	-67.9%	-69.6%	-65.8%	-58.1%	17.2%	21.0%	22.7%	21.5%	19.8%	17.4%	21.8%	21.75%
ROA	-0.4%	2.0%	4.3%	6.3%	6.2%	3.9%	2.9%	-0.5%	-3.5%	-45.5%	-46.7%	-44.8%	-39.8%	10.5%	13.3%	15.1%	13.9%	13.6%	12.2%	9.5%	9.45%
ROIC	0.0%	3.2%	5.8%	8.6%	8.8%	6.2%	4.7%	0.9%	-2.0%	-70.1%	-73.0%	-69.0%	-63.0%	18.6%	21.4%	23.6%	18.4%	18.6%	17.1%	15.7%	15.67%
ROCE	-0.1%	3.1%	5.9%	8.3%	8.7%	5.3%	4.0%	0.2%	-3.2%	-87.7%	-89.5%	-86.8%	-79.5%	16.4%	18.4%	19.4%	17.4%	18.2%	16.6%	15.8%	15.75%
Gross Margin	37.0%	35.4%	35.8%	41.5%	39.5%	39.9%	39.6%	40.5%	37.6%	40.3%	41.5%	45.7%	46.0%	46.9%	44.0%	47.1%	47.8%	3.4%	33.2%	45.2%	45.24%
Operating Margin	3.7%	10.4%	3.4%	7.4%	5.0%	2.9%	-0.7%	-4.4%	-6.7%	-1.5%	0.5%	8.1%	11.4%	12.2%	7.3%	10.9%	10.3%	9.5%	3.4%	5.8%	5.84%
Net Margin	3.9%	9.4%	3.2%	7.4%	3.1%	1.5%	-1.3%	-6.2%	-9.4%	-1.5%	-0.9%	6.0%	10.9%	11.7%	7.0%	10.6%	9.8%	8.4%	2.9%	3.5%	3.52%
EBITDA Margin	13.1%	27.4%	12.4%	16.0%	12.4%	21.9%	10.1%	6.9%	5.7%	-1.3%	16.1%	20.6%	21.8%	23.6%	19.7%	23.6%	23.6%	26.1%	17.7%	18.1%	18.10%
FCF Margin	1.6%	2.0%	4.5%	6.9%	9.3%	10.0%	7.0%	8.4%	4.8%	3.3%	7.1%	6.6%	11.8%	14.3%	16.2%	19.5%	18.8%	23.7%	21.3%	21.4%	21.43%
OCF Margin	7.9%	9.6%	10.7%	13.1%	14.8%	15.2%	14.3%	16.3%	14.7%	13.2%	16.4%	14.7%	17.3%	18.6%	19.3%	22.2%	22.0%	23.7%	21.8%	20.8%	20.77%
ROE 3Y Avg	snapshot only																				-12.69%
ROE 5Y Avg	snapshot only																				-6.02%
ROA 3Y Avg	snapshot only																				-12.44%
ROIC 3Y Avg	snapshot only																				-19.34%
ROIC Economic	snapshot only																				13.21%
Cash ROA	snapshot only																				28.48%
Cash ROIC	snapshot only																				46.06%
CROIC	snapshot only																				47.52%
NOPAT Margin	snapshot only																				7.07%
Pretax Margin	snapshot only																				6.42%
R&D / Revenue	snapshot only																				6.79%
SGA / Revenue	snapshot only																				20.09%
SBC / Revenue	snapshot only																				0.02%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	-211.43	33.21	13.00	5.81	7.49	7.88	13.28	-67.94	-4.04	-0.50	-0.38	-0.69	-1.09	7.57	2.25	6.94	12.14	102.63	15.86	11.27	28.940
P/S Ratio	0.84	0.67	0.53	0.35	0.44	0.31	0.39	0.37	0.15	0.21	0.16	0.28	0.39	0.54	0.20	0.70	1.19	9.20	1.25	0.70	0.667
P/B Ratio	1.16	0.96	0.75	0.50	0.62	0.42	0.53	0.49	0.21	0.58	0.45	0.72	0.92	1.19	0.42	1.39	2.35	18.62	2.66	5.18	4.933
P/FCF	53.96	34.00	11.74	5.08	4.73	3.07	5.50	4.38	3.12	6.27	2.30	4.19	3.27	3.74	1.24	3.59	6.32	38.80	5.86	3.27	3.267
P/OCF	10.54	7.06	4.99	2.67	2.98	2.02	2.71	2.25	1.02	1.56	1.00	1.89	2.23	2.88	1.04	3.15	5.42	38.80	5.73	3.37	3.371
EV/EBITDA	9.14	5.16	3.56	2.19	2.64	2.05	2.89	3.25	2.08	-1.15	-0.94	-1.44	-2.06	2.53	0.79	2.87	5.43	39.31	5.54	4.73	4.734
EV/Revenue	0.89	0.73	0.56	0.38	0.46	0.32	0.44	0.42	0.24	0.30	0.25	0.33	0.39	0.52	0.17	0.64	1.23	9.21	1.26	1.02	1.016
EV/EBIT	-1345.81	29.40	12.32	5.95	7.07	7.37	12.93	229.02	-8.69	-0.74	-0.58	-0.84	-1.13	6.76	1.83	6.21	12.00	96.50	14.97	13.75	13.745
EV/FCF	57.44	36.72	12.46	5.51	4.90	3.18	6.23	5.05	4.97	9.23	3.44	5.03	3.36	3.63	1.05	3.27	6.53	38.84	5.93	4.74	4.740
Earnings Yield	-0.5%	3.0%	7.7%	17.2%	13.4%	12.7%	7.5%	-1.5%	-24.7%	-2.0%	-2.6%	-1.5%	-91.5%	13.2%	44.5%	14.4%	8.2%	1.0%	6.3%	8.9%	8.87%
FCF Yield	1.9%	2.9%	8.5%	19.7%	21.1%	32.6%	18.2%	22.9%	32.0%	15.9%	43.4%	23.9%	30.5%	26.7%	80.6%	27.8%	15.8%	2.6%	17.1%	30.6%	30.61%
PEG Ratio	snapshot only																				0.070
EV/OCF	snapshot only																				4.891
EV/Gross Profit	snapshot only																				3.202
Acquirers Multiple	snapshot only																				13.903
Shareholder Yield	snapshot only																				3.49%
Graham Number	snapshot only																				$1.32

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	1.38	1.20	1.31	1.44	1.21	1.55	1.64	1.42	1.25	1.00	1.02	1.03	1.03	1.27	1.69	1.91	1.26	1.05	1.11	1.02	1.021
Quick Ratio	1.36	1.19	1.29	1.42	1.19	1.53	1.63	1.40	1.23	0.98	1.00	1.01	1.01	1.24	1.65	1.88	1.24	1.03	1.09	1.01	1.007
Debt/Equity	0.16	0.17	0.14	0.13	0.06	0.14	0.15	0.16	0.19	0.35	0.32	0.20	0.08	0.07	0.06	0.06	0.17	0.07	0.10	3.10	3.104
Net Debt/Equity	0.07	0.08	0.05	0.04	0.02	0.01	0.07	0.08	0.12	0.27	0.22	0.14	0.02	-0.03	-0.06	-0.13	0.08	0.02	0.03	2.33	2.334
Debt/Assets	0.11	0.12	0.10	0.10	0.05	0.10	0.11	0.12	0.14	0.19	0.17	0.12	0.05	0.05	0.04	0.05	0.11	0.05	0.07	0.58	0.576
Debt/EBITDA	1.19	0.86	0.60	0.53	0.24	0.64	0.74	0.90	1.24	-0.48	-0.45	-0.34	-0.18	0.15	0.14	0.14	0.37	0.15	0.20	1.96	1.956
Net Debt/EBITDA	0.55	0.38	0.20	0.17	0.09	0.07	0.34	0.43	0.77	-0.37	-0.31	-0.24	-0.05	-0.07	-0.15	-0.28	0.18	0.04	0.07	1.47	1.471
Interest Coverage	-0.23	7.42	13.65	19.66	19.13	14.85	9.94	0.34	-3.56	-40.07	-33.71	-32.17	-32.37	9.50	17.60	30.69	34.35	40.06	36.52	9.20	9.196
Equity Multiplier	1.47	1.44	1.38	1.36	1.28	1.34	1.34	1.36	1.43	1.87	1.86	1.71	1.52	1.44	1.36	1.34	1.57	1.47	1.49	5.39	5.393
Cash Ratio	snapshot only																				0.400
Debt Service Coverage	snapshot only																				26.704
Cash to Debt	snapshot only																				0.248
FCF to Debt	snapshot only																				0.510
Defensive Interval	snapshot only																				359.6 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.96	1.00	1.04	1.05	1.05	1.00	0.98	0.94	0.94	1.09	1.09	1.11	1.13	1.48	1.50	1.50	1.42	1.51	1.55	1.52	1.522
Inventory Turnover	202.91	192.72	229.97	227.13	194.04	191.03	234.22	194.23	163.86	167.42	182.25	146.06	126.64	117.12	112.27	118.37	109.33	146.93	163.00	176.69	176.692
Receivables Turnover	8.42	9.60	9.39	7.29	8.36	8.74	8.06	8.10	8.48	8.78	8.50	8.91	9.14	8.99	8.70	8.39	7.31	7.65	7.61	9.29	9.295
Payables Turnover	12.47	14.01	17.32	18.93	17.18	14.52	14.49	14.78	13.58	12.34	12.22	12.36	10.64	11.74	11.25	12.49	9.98	13.81	16.22	17.07	17.075
DSO	43	38	39	50	44	42	45	45	43	42	43	41	40	41	42	43	50	48	48	39	39.3 days
DIO	2	2	2	2	2	2	2	2	2	2	2	2	3	3	3	3	3	2	2	2	2.1 days
DPO	29	26	21	19	21	25	25	25	27	30	30	30	34	31	32	29	37	26	22	21	21.4 days
Cash Conversion Cycle	16	14	19	32	24	19	22	22	18	14	15	14	9	13	13	17	17	24	28	20	20.0 days
Fixed Asset Turnover	snapshot only																				10.611
Operating Cycle	snapshot only																				41.3 days
Cash Velocity	snapshot only																				9.604
Capital Intensity	snapshot only																				0.730

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	51.0%	32.8%	28.4%	16.3%	7.1%	-0.6%	-8.0%	-15.3%	-15.7%	-15.7%	-15.3%	-11.0%	-8.4%	-5.3%	-0.5%	0.0%	3.0%	8.7%	10.3%	15.1%	15.07%
Net Income	93.8%	1.3%	1.7%	3.4%	16.9%	91.5%	-34.5%	-1.1%	-1.5%	-10.0%	-13.5%	-65.4%	-7.7%	1.2%	1.2%	1.3%	1.3%	37.5%	-2.7%	-29.1%	-29.07%
EPS	94.7%	1.3%	1.7%	3.3%	16.5%	87.5%	-36.3%	-1.1%	-1.5%	-9.6%	-13.0%	-63.3%	-7.5%	1.2%	1.2%	1.1%	1.1%	-94.1%	-62.8%	-44.7%	-44.72%
FCF	1.3%	1.4%	3.7%	3.9%	5.4%	4.0%	42.9%	3.4%	-56.6%	-72.4%	-14.2%	-29.8%	1.3%	3.1%	1.3%	1.9%	64.8%	79.6%	45.4%	26.7%	26.71%
EBITDA	31.7%	5.8%	3.8%	1.4%	89.4%	9.7%	-12.1%	-36.3%	-44.1%	-2.4%	-2.5%	-2.6%	-2.5%	1.7%	1.8%	2.0%	2.2%	23.4%	17.2%	11.3%	11.33%
Op. Income	1.0%	1.4%	1.9%	4.3%	191.0%	87.3%	-19.5%	-87.9%	-1.3%	-8.1%	-10.0%	-39.3%	-14.0%	1.2%	1.2%	1.3%	1.3%	26.0%	-4.3%	-19.9%	-19.90%
OCF Growth	snapshot only																				7.68%
Asset Growth	snapshot only																				24.73%
Equity Growth	snapshot only																				-68.97%
Debt Growth	snapshot only																				14.95%
Shares Change	snapshot only																				28.31%
Dividend Growth	snapshot only																				-26.71%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	46.9%	40.3%	36.3%	31.4%	30.2%	29.2%	23.3%	19.3%	10.9%	3.7%	-0.0%	-4.3%	-6.1%	-7.4%	-8.1%	-9.0%	-7.4%	-4.6%	-2.4%	0.8%	0.80%
Revenue 5Y	44.9%	41.6%	39.4%	37.5%	34.8%	34.3%	33.1%	30.8%	23.4%	18.3%	14.5%	11.3%	11.2%	11.5%	9.6%	8.6%	5.2%	2.8%	1.9%	0.2%	0.18%
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	36.4%	16.0%	-16.8%	-22.0%	-57.0%	-3.0%	—	—
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	40.4%	19.1%	8.2%	9.8%	25.7%	35.9%	—	—
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	1.8%	2.3%	2.8%	2.6%	1.2%	89.8%	1.2%	—	2.3%	—	—	—	—	5.1%	1.6%	-1.1%	1.5%	9.3%	11.8%	19.1%	19.11%
EBITDA 5Y	—	—	—	—	—	1.8%	65.4%	49.8%	88.2%	—	—	—	—	48.5%	68.4%	—	1.3%	57.5%	42.5%	21.2%	21.17%
Gross Profit 3Y	44.8%	39.8%	37.3%	36.8%	33.3%	32.7%	26.8%	21.4%	16.3%	7.6%	3.7%	-0.7%	-2.8%	-1.7%	-1.4%	-2.5%	-1.0%	-8.9%	-9.8%	-6.6%	-6.57%
Gross Profit 5Y	35.8%	36.6%	36.6%	36.0%	34.1%	30.9%	29.1%	26.1%	22.5%	19.1%	16.9%	16.3%	15.8%	16.5%	14.3%	12.9%	11.8%	2.1%	-0.6%	-2.8%	-2.78%
Op. Income 3Y	—	—	—	—	—	3.6%	—	—	—	—	—	—	—	37.2%	19.7%	8.1%	6.9%	20.3%	26.8%	1.0%	1.03%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	1.7%	—	—	—	—	—	—	—
FCF 3Y	-27.2%	-21.8%	4.8%	15.5%	37.0%	40.2%	—	—	—	—	—	—	84.4%	79.0%	40.4%	28.8%	17.2%	27.0%	41.2%	37.8%	37.84%
FCF 5Y	—	—	—	—	—	—	51.9%	36.7%	1.5%	-7.8%	7.1%	2.3%	20.2%	25.7%	—	—	—	—	—	—	—
OCF 3Y	18.9%	25.1%	29.8%	33.4%	46.0%	40.5%	89.7%	1.5%	—	—	67.3%	58.5%	21.6%	15.7%	11.9%	8.6%	5.8%	10.5%	12.3%	9.4%	9.36%
OCF 5Y	—	—	—	—	—	1.4%	60.0%	47.4%	22.9%	17.8%	21.2%	15.0%	22.9%	22.1%	50.6%	78.3%	—	—	46.9%	45.4%	45.37%
Assets 3Y	58.1%	43.5%	42.0%	42.6%	36.5%	34.2%	13.4%	0.2%	-2.9%	-17.4%	-17.6%	-19.8%	-20.8%	-20.2%	-19.5%	-18.7%	-11.6%	-13.7%	-12.9%	-9.6%	-9.55%
Assets 5Y	41.8%	37.8%	42.1%	39.1%	40.5%	39.8%	38.6%	29.8%	28.4%	10.3%	9.3%	8.9%	6.5%	4.9%	-3.9%	-9.8%	-8.0%	-8.7%	-8.8%	-8.1%	-8.12%
Equity 3Y	52.7%	36.1%	40.3%	44.0%	40.1%	33.4%	19.7%	5.6%	-4.9%	-25.6%	-26.3%	-23.8%	-21.7%	-20.2%	-19.1%	-18.3%	-17.5%	-16.4%	-15.9%	-42.9%	-42.91%
Book Value 3Y	41.7%	25.6%	30.1%	33.5%	30.1%	23.5%	11.0%	-2.2%	-11.3%	-31.0%	-29.4%	-26.6%	-24.2%	-22.5%	-21.2%	-37.1%	-41.4%	-71.4%	-40.0%	-59.1%	-59.11%
Dividend 3Y	6.8%	-0.1%	-3.2%	-5.5%	-5.6%	-5.6%	-6.3%	-6.4%	-5.9%	-9.3%	-15.6%	-27.7%	-46.5%	—	-46.5%	-38.6%	-12.9%	—	-66.1%	-29.8%	-29.83%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.92	0.92	0.94	0.93	0.96	0.94	0.91	0.82	0.76	0.65	0.52	0.35	0.30	0.26	0.19	0.15	0.09	0.03	0.01	0.07	0.075
Earnings Stability	0.15	0.32	0.35	0.46	0.50	0.40	0.30	0.17	0.06	0.29	0.27	0.25	0.29	0.03	0.02	0.01	0.01	0.02	0.01	0.00	0.003
Margin Stability	0.81	0.90	0.95	0.94	0.94	0.91	0.89	0.89	0.93	0.96	0.94	0.92	0.93	0.91	0.91	0.91	0.88	0.89	0.86	0.86	0.865
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	—	0.37	0.58	—	—	—	—	—	—	—	—	—	—	0.68	0.97	0.66	0.660
ROE Trend	0.06	0.08	0.12	0.15	0.13	0.08	0.05	-0.03	-0.09	-1.21	-1.22	-1.08	-0.86	0.71	0.75	0.72	0.64	0.69	0.66	0.88	0.879
Gross Margin Trend	0.04	0.02	0.01	0.00	0.01	0.03	0.04	0.03	0.01	0.01	0.01	0.03	0.05	0.06	0.06	0.05	0.05	-0.08	-0.11	-0.12	-0.119
FCF Margin Trend	0.02	0.02	0.07	0.11	0.13	0.13	0.06	0.06	-0.01	-0.03	0.01	-0.01	0.05	0.08	0.09	0.12	0.11	0.15	0.10	0.08	0.084
Sustainable Growth Rate	—	-11.6%	-8.6%	-6.0%	-6.7%	-9.9%	-11.3%	—	—	—	—	—	—	17.2%	17.4%	16.0%	12.2%	19.8%	17.0%	13.3%	13.26%
Internal Growth Rate	—	—	—	—	—	—	—	—	—	—	—	—	—	11.7%	12.4%	11.9%	8.6%	15.7%	13.6%	6.1%	6.12%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	-20.05	4.70	2.60	2.18	2.51	3.89	4.91	-30.14	-3.96	-0.32	-0.38	-0.36	-0.49	2.63	2.16	2.20	2.24	2.65	2.77	3.34	3.344
FCF/OCF	0.20	0.21	0.43	0.53	0.63	0.66	0.49	0.52	0.33	0.25	0.44	0.45	0.68	0.77	0.84	0.88	0.86	1.00	0.98	1.03	1.032
FCF/Net Income	snapshot only																				3.450
OCF/EBITDA	snapshot only																				0.968
CapEx/Revenue	6.4%	7.6%	6.1%	6.2%	5.5%	5.2%	7.3%	7.9%	9.9%	9.9%	9.2%	8.1%	5.5%	4.3%	3.1%	2.7%	3.1%	0.0%	0.5%	0.7%	0.66%
CapEx/Depreciation	snapshot only																				0.047
Accruals Ratio	-0.08	-0.08	-0.07	-0.07	-0.09	-0.11	-0.11	-0.16	-0.17	-0.60	-0.64	-0.61	-0.59	-0.17	-0.15	-0.18	-0.17	-0.22	-0.22	-0.22	-0.222
Sloan Accruals	snapshot only																				-0.382
Cash Flow Adequacy	snapshot only																				6.735
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	12.8%	15.3%	19.2%	28.9%	23.9%	35.8%	29.5%	33.5%	85.7%	59.3%	56.1%	21.0%	6.1%	0.0%	7.7%	4.2%	3.5%	0.0%	0.1%	3.5%	0.00%
Dividend/Share	$0.98	$0.97	$0.99	$0.99	$1.00	$1.01	$0.99	$0.99	$0.99	$0.90	$0.65	$0.40	$0.16	$0.00	$0.11	$0.10	$0.11	$0.00	$0.00	$0.07	$0.00
Payout Ratio	—	5.1%	2.5%	1.7%	1.8%	2.8%	3.9%	—	—	—	—	—	—	0.0%	17.2%	29.4%	43.0%	0.0%	1.9%	39.0%	39.03%
FCF Payout Ratio	6.9%	5.2%	2.2%	1.5%	1.1%	1.1%	1.6%	1.5%	2.7%	3.7%	1.3%	88.2%	20.0%	0.0%	9.5%	15.2%	22.4%	0.0%	0.7%	11.3%	11.31%
Total Payout Ratio	—	5.1%	5.9%	3.9%	4.2%	6.5%	4.0%	—	—	—	—	—	—	7.4%	21.7%	33.1%	46.6%	0.0%	2.1%	39.3%	39.30%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	0	0	0	0	—	0	0	0	—	0	0	0
Chowder Number	0.65	0.42	0.33	0.35	0.29	0.42	0.33	0.37	0.88	0.53	0.24	-0.37	-0.77	—	-0.76	-0.45	0.88	—	-0.89	-0.03	-0.025
Buyback Yield	0.0%	0.0%	25.9%	38.7%	32.0%	47.3%	0.5%	0.5%	0.0%	0.4%	1.3%	0.9%	0.7%	1.0%	2.0%	0.5%	0.3%	0.0%	0.0%	0.0%	0.02%
Net Buyback Yield	-2.3%	-1.5%	-10.4%	-15.5%	-10.4%	-14.9%	0.5%	0.5%	0.0%	0.4%	1.3%	0.9%	0.7%	1.0%	2.0%	0.5%	0.3%	0.0%	0.0%	0.0%	0.02%
Total Shareholder Return	10.5%	13.9%	8.8%	13.4%	13.4%	20.9%	30.0%	34.0%	85.7%	59.7%	57.5%	22.0%	6.8%	1.0%	9.7%	4.8%	3.8%	0.0%	0.1%	3.5%	3.49%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	1.14	0.95	0.96	1.00	0.96	0.97	0.96	1.53	1.06	0.99	0.99	0.99	0.99	0.98	0.98	0.99	0.99	0.98	0.98	0.97	0.967
Interest Burden (EBT/EBIT)	5.24	0.87	0.93	0.95	0.95	0.93	0.90	-1.91	1.28	1.02	1.03	1.03	1.02	0.94	0.98	1.00	0.97	0.96	0.95	0.87	0.869
EBIT Margin	-0.00	0.02	0.05	0.06	0.06	0.04	0.03	0.00	-0.03	-0.41	-0.42	-0.39	-0.35	0.08	0.09	0.10	0.10	0.10	0.08	0.07	0.074
Asset Turnover	0.96	1.00	1.04	1.05	1.05	1.00	0.98	0.94	0.94	1.09	1.09	1.11	1.13	1.48	1.50	1.50	1.42	1.51	1.55	1.52	1.522
Equity Multiplier	1.40	1.40	1.35	1.41	1.37	1.39	1.36	1.36	1.35	1.49	1.49	1.47	1.46	1.63	1.57	1.50	1.55	1.46	1.42	2.30	2.301

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$-0.04	$0.19	$0.40	$0.59	$0.56	$0.36	$0.25	$-0.04	$-0.28	$-3.07	$-3.03	$-2.79	$-2.42	$0.48	$0.62	$0.34	$0.26	$0.03	$0.23	$0.19	$0.19
Book Value/Share	$6.59	$6.57	$6.82	$6.82	$6.79	$6.68	$6.36	$5.99	$5.59	$2.63	$2.59	$2.68	$2.87	$3.06	$3.34	$1.69	$1.36	$0.16	$1.37	$0.41	$0.41
Tangible Book/Share	$0.29	$0.40	$0.71	$0.75	$0.78	$0.72	$0.54	$0.28	$0.02	$-0.16	$-0.06	$0.16	$0.45	$0.73	$1.12	$0.65	$0.14	$0.02	$0.24	$-0.69	$-0.69
Revenue/Share	$9.10	$9.37	$9.68	$9.84	$9.49	$9.12	$8.66	$8.04	$7.69	$7.37	$7.06	$6.93	$6.85	$6.82	$6.93	$3.38	$2.70	$0.32	$2.92	$3.03	$3.03
FCF/Share	$0.14	$0.19	$0.44	$0.68	$0.88	$0.92	$0.61	$0.67	$0.37	$0.24	$0.50	$0.46	$0.81	$0.98	$1.12	$0.66	$0.51	$0.08	$0.62	$0.65	$0.65
OCF/Share	$0.72	$0.89	$1.03	$1.29	$1.40	$1.39	$1.24	$1.31	$1.13	$0.97	$1.16	$1.02	$1.18	$1.27	$1.34	$0.75	$0.59	$0.08	$0.64	$0.63	$0.63
Cash/Share	$0.56	$0.63	$0.61	$0.61	$0.26	$0.81	$0.53	$0.49	$0.41	$0.21	$0.26	$0.16	$0.17	$0.32	$0.42	$0.32	$0.12	$0.01	$0.09	$0.32	$0.32
EBITDA/Share	$0.89	$1.32	$1.54	$1.70	$1.64	$1.42	$1.31	$1.05	$0.88	$-1.94	$-1.85	$-1.60	$-1.32	$1.41	$1.49	$0.75	$0.61	$0.07	$0.67	$0.65	$0.65
Debt/Share	$1.06	$1.13	$0.92	$0.90	$0.40	$0.91	$0.97	$0.94	$1.08	$0.93	$0.83	$0.55	$0.24	$0.21	$0.20	$0.10	$0.23	$0.01	$0.14	$1.27	$1.27
Net Debt/Share	$0.49	$0.51	$0.31	$0.29	$0.14	$0.10	$0.44	$0.45	$0.68	$0.72	$0.57	$0.38	$0.07	$-0.10	$-0.22	$-0.21	$0.11	$0.00	$0.04	$0.96	$0.96

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.619
Altman Z-Prime	snapshot only																				0.098
Piotroski F-Score	5	5	5	8	7	8	5	2	3	4	4	4	5	7	8	7	6	4	4	4	4
Beneish M-Score	-2.67	-2.40	-2.35	-2.77	-3.09	-3.19	-3.24	-3.57	-3.45	-6.75	-6.96	-6.63	-6.76	-3.40	-3.25	-3.41	-2.99	3.50	-3.13	-3.28	-3.285
Ohlson O-Score	snapshot only																				-4.569
Net-Net WC	snapshot only																				$-0.99
EVA	snapshot only																				$3291677.78

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				BBB+
Credit Score	45.15	70.13	76.08	80.67	80.90	74.80	77.52	53.90	42.52	30.19	41.29	40.77	41.51	76.90	73.23	92.22	88.94	96.48	96.15	60.84	60.841
Credit Grade	snapshot only																				8
Credit Trend	snapshot only																				-31.381
Implied Spread (bps)	snapshot only																				225.000
Industry Credit Rank	snapshot only																				56
Sector Credit Rank	snapshot only																				53

CCLD NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Workforce & Productivity

Scaling Efficiency

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