AppTech Payments (NASDAQ:APCX – Get Free Report) and PDF Solutions (NASDAQ:PDFS – Get Free Report) are both small-cap business services companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, risk, valuation, earnings, institutional ownership, analyst recommendations and profitability.
Risk & Volatility
AppTech Payments has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500. Comparatively, PDF Solutions has a beta of 1.49, indicating that its share price is 49% more volatile than the S&P 500.
Analyst Recommendations
This is a breakdown of recent ratings and target prices for AppTech Payments and PDF Solutions, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| AppTech Payments | 0 | 0 | 0 | 0 | 0.00 |
| PDF Solutions | 0 | 0 | 2 | 0 | 3.00 |
Valuation and Earnings
This table compares AppTech Payments and PDF Solutions”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| AppTech Payments | $365,000.00 | 36.36 | -$18.51 million | ($0.48) | -1.00 |
| PDF Solutions | $170.51 million | 7.19 | $3.11 million | $0.11 | 287.27 |
PDF Solutions has higher revenue and earnings than AppTech Payments. AppTech Payments is trading at a lower price-to-earnings ratio than PDF Solutions, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
5.2% of AppTech Payments shares are held by institutional investors. Comparatively, 79.5% of PDF Solutions shares are held by institutional investors. 8.5% of AppTech Payments shares are held by company insiders. Comparatively, 11.1% of PDF Solutions shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Profitability
This table compares AppTech Payments and PDF Solutions’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| AppTech Payments | -3,119.45% | -398.98% | -153.45% |
| PDF Solutions | 2.58% | 3.24% | 2.54% |
Summary
PDF Solutions beats AppTech Payments on 13 of the 14 factors compared between the two stocks.
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.
About PDF Solutions
PDF Solutions, Inc. provides proprietary software and physical intellectual property products for integrated circuit designs, electrical measurement hardware tools, proven methodologies, and professional services in the United States, China, Japan, and internationally. The company offers Exensio software products, such as Manufacturing Analytics that store collected data in a common environment with a consistent view for enabling product engineers to identify and analyze production yield, performance, reliability, and other issues; Process Control that provides failure detection and classification capabilities for monitoring, alarming, and controlling manufacturing tool sets; Test Operations that offer data collection and analysis capabilities; and Assembly Operations that provide device manufacturers with the capability to link assembly and packaging data, including fabrication and characterization data over the product life cycle. It also provides Design-For-Inspection (DFI) systems, such as DFI On-Chip Instruments; eProbe Non-Contact E-Beam Tool; and Characterization Vehicle (CV) system, which includes CV Test Chips and pdFasTest Electrical Testers, as well as Exensio characterization software, designed to analyze the measurements collected using the eProbe tool. In addition, the company offers Cimetrix software products that enables equipment manufacturers to provide industry standard interfaces on their products; and software-as-a-service, software related services, and characterization services. It sells its technologies and services through direct sales force, service teams, and strategic alliances to integrated device manufacturers, fabless semiconductor companies, foundries, equipment manufacturers, electronics manufacturing suppliers, original device manufacturers, out-sourced semiconductor assembly and test, and system houses. PDF Solutions, Inc. was founded in 1991 and is headquartered in Santa Clara, California.
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