Slide 1: Q4 2025 Results
Q4 2025 RESULTS Nasdaq Global Market: CCLD, CCLDO March 12, 2026 A leading provider of technology-enabled services and AI-based solutions that redefine the healthcare revenue cycle © CareCloud, Inc. 2026
Slide 2: Safe Harbor Statements
Safe Harbor Statements This presentation contains forward-looking statements within the meaning of the federal securities laws. These statements relate to anticipated future events, future results of operations or future financial performance. In some cases, you can identify forward-looking statemen
Slide 3: Hosts for Fourth Quarter 2025 Earnings Call
Hosts for Fourth Quarter 2025 Earnings Call Mahmud Haq Stephen Snyder A. Hadi Chaudhry Norman Roth Founder & Executive Chairman Chief Executive Officer Chief Strategy Officer Interim CFO and Corporate Controller © CareCloud, Inc. 2026 2
Slide 4: Stephen Snyder
Stephen Snyder Chief Executive Officer © CareCloud, Inc. 2026 3
Slide 5: Full Year 2025 Highlights
Full Year 2025 Highlights Revenue Net Income Adj. EBITDA EPS +8.7% +37.5% +14.5% +$0.38 $120. 5 $10.8 $27.5 $0.10 $7.9 $110. 8 $24.1 ($0.2 FY 2024 FY 2025 FY 2024 FY 2025 FY 2024 FY 2025 FY 2024 FY 2025 8) $ in millions. See reconciliations of non-GAAP results in the Appendix © CareCloud, Inc. 2026
Slide 6: Free Cash Flow: 400%+ Growth Over 3 Years
Free Cash Flow: 400%+ Growth Over 3 Years $20.3 $13.2 $28.6M GAAP operating cash flow (+38.4% YoY) Acquisitions funded with cash flow Ended year with $0 drawn on $10M line 13 consecutive preferred dividends paid $3.8 Series A preferred conversion: >$7.7M annual savings FY 2023 FY 2024 FY 2
Slide 7: 2026 Guidance
2026 Guidance Revenue Adjusted EBITDA Earnings per Share $ in millions $128-$132 3 5 .0 0 0.30 $ in millions $0.20-$0.23 1 4 0 . 0 $29-$31 $120.5 $110.8 $27.5 3 0 .0 0 0.20 1 2 0 . 0 $0.10 1 0 0 . 0 2 5 .0 0 $24.1 0.10 2 0 .0 0 - 8 0 .0 0 1 5 .0 0 (0 .10) 6 0 .0 0 1 0 .0 0 4 0 .0 0 (0 .20) 2 0 .0 0
Slide 8: Entering the Inpatient Software Market
Entering the Inpatient Software Market Two strategic acquisitions expanded CareCloud across the full care continuum medsphere MAP App by HFMA Inpatient & Ambulatory IT Platform Hospital Benchmarking & Analytics EHR · RCM · Supply Chain · Managed IT Performance Analytics · Revenue Cycle Metrics · HFM
Slide 9: A. Hadi Chaudhry
A. Hadi Chaudhry Chief Strategy Officer © CareCloud, Inc. 2026 8
Slide 10: Building the Foundation
AI CENTER OF EXCELLENCE Building the Foundation Launched April 2025 Why In-House? Production-grade AI initiative — not a research Healthcare AI cannot be generic. It must be lab. Built to embed AI across every layer of the trained on the right data, integrated into clinical CareCloud platform. workf
Slide 11: What We've Built
str atu sAI — Ad m in istr ati ve AI c ir r u sAI — Clin ic al AI What We've Built LIVE stratusAI LIVE cirrusAI stratusAI Desk Agent™ cirrusAI Notes™ AI Phone Receptionist Clinical Documentation AI 24/7 autonomous call handling — scheduling, eligibility, refills, Captures the clinical encounter and
Slide 12: AI-Powered Phone Receptionist — 24/7
stratusAI Desk Agent™ AI-Powered Phone Receptionist — 24/7 Appointment scheduling, rescheduling & cancellations ~80% Real-time insurance eligibility & demographic capture Prescription refill routing & lab result inquiries of inbound scheduling-related calls Referral requests & automated reminders ha
Slide 13: Conversational Intelligence — Automation + Insight
stratusAI Voice Audit™ Conversational Intelligence — Automation + Insight stratusAI Desk Agent™ — Automates stratusAI Voice Audit™ — Illuminates Every patient call handled — 24/7, no hold times, Call monitoring & quality scoring no re-entry, native EHR integration. Trend analysis across interactions
Slide 14: Our Ambition: Zero-Touch Claims
AI IN REVENUE CYCLE MANAGEMENT Our Ambition: Zero-Touch Claims Fully automated claims workflow — AI handles intake, validation, submission, and follow-up with minimal human intervention. Billing teams refocus on exceptions, not routine processing. LIVE IN DEVELOPMENT IN DEVELOPMENT cirrusAI Notes Pr
Slide 15: The Medsphere Portfolio — AI Enhancement Roadmap
AI & ACQUISITIONS The Medsphere Portfolio — AI Enhancement Roadmap CareVue AI Now Integrating Inpatient EHR cirrusAI Notes™ Integrating across CareVue (inpatient) & Wellsoft (ED) Wellsoft stratusAI Desk Agent™ #1 ED Information System ▶ Extending into hospital patient access centers Marketware Physi
Slide 16: From Analytics to Action — AI-Powered Value Chain
MAP APP & HFMA PARTNERSHIP From Analytics to Action — AI-Powered Value Chain 1 → 2 → 3 MAP App Benchmarks AI-Driven Recommendations CareCloud RCM + AI Shows a hospital precisely where its Quantifies dollar impact of each gap, Delivers the solution — from prior revenue cycle is underperforming vs. pr
Slide 17: Four Priorities for 2026
2026: FROM INITIATIVE TO IMPACT Four Priorities for 2026 01 02 Expand the AI Product Suite Execute Cross-Sell at Product Level cirrusAI Notes integrating across Medsphere · AI-assisted coding cirrusAI Notes → Medsphere suite · Coding product → hospital launching · Prior auth AI in development · Desk
Slide 18: CareCloud sits at a rare intersection
CareCloud sits at a rare intersection 45,000+ Providers Integrated Platform Dedicated AI Org Long-standing relationships across EHR · Practice Mgmt · RCM · Purpose-built for healthcare the care continuum Supply Chain · Hospital Systems workflows — not generic AI Profitable · Growing · Purpose-built
Slide 19: Norman Roth
Norman Roth CFO and Corporate Controller © CareCloud, Inc. 2026 18
Slide 20: Q4 2025 Highlights
Q4 2025 Highlights Revenue Net income Earnings Per Share Adjusted EBITDA Adjusted net income $34.4 $0.04 3 5 .0 0 0 .0 4 2 6 % 9 .0 0 2 6 % $3.3 5 .0 0 1 4 % 3 .5 0 1 4 % 2 6 % 8 .0 0 $7.7 2 6 % $4.5 $28.2 0 .0 3 5 $7.1 3 0 .0 0 4 .5 0 $2.9 $3.9 2 5 % 2 5 % 1 4 % 3 .0 0 1 2 % 7 .0 0 4 .0 0 0 .0 3 2
Slide 21: FY 2025 Highlights
FY 2025 Highlights Revenue Net income Earnings (Loss) Per Adjusted EBITDA Adjusted net income Share $10.8 $27.5 1 4 0 . 0 3 0 .0 0 2 3 % $14.4 1 4 % $0.10 1 0 % 0 .1 5 2 3 % $120.5 2 3 % 1 4 .0 0 $110.8 $24.1 1 2 0 . 0 1 0 .0 0 9 % 2 3 % 0 .1 2 5 .0 0 1 2 % 2 3 % 1 2 .0 0 8 % 2 3 % $7.9 $10.5 0 .0 5
Slide 22: Thank You!
Thank You! Nasdaq Global Market: CCLD, CCLDO Corporate Stephen Snyder carecloud.com ir@carecloud.com Investor Relations ir.carecloud.com © CareCloud, Inc. 2026 21
Slide 23: Appendix
Appendix © CareCloud, Inc. 2026 22
Slide 24: Non-GAAP Financial Measures Reconciliation
Non-GAAP Financial Measures Reconciliation ($000s) Adjusted EBITDA to GAAP net income FY 2024 FY 2025 Q4 2024 Q4 2025 ($000s) Adjusted net income to GAAP net income FY 2024 FY 2025 Q4 2024 Q4 2025 GAAP net income $ 7,851 $ 10,798 $ 3,296 $ 2,888 GAAP net income $ 7,851 $ 10,798 $ 3,296 $ 2,888 Provi