Comparing Ceridian HCM (NYSE:CDAY) & Temenos (OTCMKTS:TMNSF)

Ceridian HCM (NYSE:CDAY) and Temenos (OTCMKTS:TMNSF) are both computer and technology companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, dividends, profitability, institutional ownership, risk, analyst recommendations and valuation.

Earnings and Valuation

This table compares Ceridian HCM and Temenos”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	7.47	-$73.40 million	$0.03	2,311.33
Temenos	$1.00 billion	6.82	$134.68 million	N/A	N/A

Temenos has lower revenue, but higher earnings than Ceridian HCM.

Analyst Recommendations

This is a summary of recent ratings and target prices for Ceridian HCM and Temenos, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ceridian HCM	0	0	0	0	0.00
Temenos	0	1	0	0	2.00

Profitability

This table compares Ceridian HCM and Temenos’ 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%
Temenos	N/A	N/A	N/A

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, Temenos has a beta of 1.11, indicating that its stock price is 11% more volatile than the S&P 500.

Summary

Ceridian HCM beats Temenos on 6 of the 8 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 Temenos

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide. Its Temenos Banking Cloud helps banks to offer open banking services. The company provides Temenos Infinity, a digital banking platform; Temenos Transact, a core banking software for retail, corporate, treasury, wealth, and payments; Temenos Payments, a software-as-a-service payments technology; Temenos Multifonds, a platform for traditional and alternative funds, as well as offers key asset servicing, position keeping, valuation and accounting functions for various structures of pooled vehicles and funds; Temenos Multifonds Navigator, a net asset value shadow, oversight, and contingency solution; and Temenos Quantum, a multi-experience development platform. It also offers Temenos XAI that enables banks to provide individualized customer experiences, drive customer loyalty and profitability, and automate processes; Temenos Financial Crime Mitigation that allows banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks; Temenos Analytics, a reporting, analytics, and business intelligence product; Temenos Regulatory Compliance for addressing fraud, remaining compliant with regulations, and managing risks; Temenos Wealth, an integrated portfolio management and securities trading platform for wealth managers and private bankers; and Temenos DataSource, an enterprise data management solution. In addition, it provides various solutions for retail, business, universal, central, Islamic, corporate, and private banking; life and pension; challenger banks and fintechs; wealth management; credit unions; financial inclusion; and asset managers and asset services. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. The company was founded in 1993 and is based in Geneva, Switzerland.