Financial Contrast: Ceridian HCM (NYSE:CDAY) versus AppTech Payments (NASDAQ:APCX)

Insider and Institutional Ownership

5.2% of AppTech Payments shares are held by institutional investors. 4.5% of Ceridian HCM shares are held by insiders. Comparatively, 37.9% of AppTech Payments shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Volatility & Risk

Ceridian HCM has a beta of 1.38, indicating that its stock price is 38% more volatile than the S&P 500. Comparatively, AppTech Payments has a beta of -0.5, indicating that its stock price is 150% less volatile than the S&P 500.

Earnings & Valuation

This table compares Ceridian HCM and AppTech Payments”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ceridian HCM	$1.45 billion	7.42	-$73.40 million	$0.03	2,298.67
AppTech Payments	$276,000.00	21.09	-$18.51 million	($0.48)	-0.36

AppTech Payments has lower revenue, but higher earnings than Ceridian HCM. AppTech Payments is trading at a lower price-to-earnings ratio than Ceridian HCM, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Ceridian HCM and AppTech Payments’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ceridian HCM	0.28%	2.03%	0.51%
AppTech Payments	-3,119.45%	-398.98%	-153.45%

Summary

Ceridian HCM beats AppTech Payments on 7 of the 11 factors compared between the two stocks.

About Ceridian HCM

Ceridian HCM Holding Inc., together with its subsidiaries, operates as a human capital management (HCM) software company in the United States, Canada, and internationally. It offers Dayforce, a cloud HCM platform that provides human resources, payroll, benefits, workforce management, and talent management functionality; and Powerpay, a cloud HR and payroll solution for the small business market. The company also provides Bureau solutions for payroll and payroll-related services. It sells its solutions through direct sales force and third-party channels. The company was incorporated in 2013 and is headquartered in Minneapolis, Minnesota.

About AppTech Payments

AppTech Payments Corp., a financial technology company, provides electronic payment processing technologies and merchant services in the United States. Its merchant transaction services offer processing payments for credit and debit cards through point-of-sale equipment, e-commerce gateways, periodic automatic clearing house payments, and gift and loyalty programs. The company also offers integrated solutions for frictionless digital and mobile payment acceptance, as well as multi-use case, multi-channel, API-driven, and account-based issuer processing for card, digital tokens, and payment transfer transaction services; hosted ecommerce checkout, a flexible payment gateway; and text payment technology, alternative payment methods (APMs), and contactless payments. In addition, it provides FinZeo, a fintech platform. The company was formerly known as AppTech Corp. AppTech Payments Corp. was incorporated in 1998 and is headquartered in Carlsbad, California.