Ceridian HCM (NYSE:CDAY) versus AppTech Payments (NASDAQ:APCX) Critical Review

Risk and Volatility

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

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%

Valuation and Earnings

This table compares Ceridian HCM and AppTech Payments”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ceridian HCM	$1.45 billion	7.41	-$73.40 million	$0.03	2,295.33
AppTech Payments	$276,000.00	21.76	-$18.51 million	($0.48)	-0.37

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.

Institutional and Insider 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 hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

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.