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Stock Comparison

HCAI vs APCX vs IIPR vs USIO

Revenue, margins, valuation, and 5-year total return — side by side.

Live fundamentals10-year financials5-year price chart
HCAI
Hauchen AI Parking Management Technology Holding Co., Ltd.

Industrial - Machinery

IndustrialsNASDAQ • CN
Market Cap$16M
5Y Perf.-89.5%
APCX
AppTech Payments Corp.

Software - Infrastructure

TechnologyNASDAQ • US
Market Cap$14M
5Y Perf.-5.7%
IIPR
Innovative Industrial Properties, Inc.

REIT - Industrial

Real EstateNYSE • US
Market Cap$1.62B
5Y Perf.-21.3%
USIO
Usio, Inc.

Information Technology Services

TechnologyNASDAQ • US
Market Cap$36M
5Y Perf.-14.4%

HCAI vs APCX vs IIPR vs USIO — Key Financials

Market cap, revenue, margins, and valuation side-by-side.

Company Snapshot
HCAI logoHCAI
APCX logoAPCX
IIPR logoIIPR
USIO logoUSIO
IndustryIndustrial - MachinerySoftware - InfrastructureREIT - IndustrialInformation Technology Services
Market Cap$16M$14M$1.62B$36M
Revenue (TTM)$41M$787K$263M$85M
Net Income (TTM)$1M$-7M$120M$-3M
Gross Margin14.0%57.1%60.3%23.1%
Operating Margin5.5%-10.0%46.7%-2.6%
Forward P/E9.7x13.2x
Total Debt$12M$147K$394M$3M
Cash & Equiv.$29K$868K$48M$7M

HCAI vs APCX vs IIPR vs USIOLong-Term Stock Performance

Price return indexed to 100 at period start. Dividends excluded.

HCAI
APCX
IIPR
USIO
StockFeb 25May 26Return
Hauchen AI Parking … (HCAI)10010.5-89.5%
AppTech Payments Co… (APCX)10094.3-5.7%
Innovative Industri… (IIPR)10078.7-21.3%
Usio, Inc. (USIO)10085.6-14.4%

Price return only. Dividends and distributions are not included.

Quick Verdict: HCAI vs APCX vs IIPR vs USIO

Each card shows where this stock fits in a portfolio — not just who wins on paper.

Bottom line: IIPR leads in 3 of 7 categories, making it the strongest pick for profitability and margin quality and dividend income and shareholder returns. Hauchen AI Parking Management Technology Holding Co., Ltd. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. APCX and USIO also each lead in at least one category. This set spans 3 sectors — these stocks serve different portfolio roles, not just different price points.
HCAI
Hauchen AI Parking Management Technology Holding Co., Ltd.
The Growth Play

HCAI is the #2 pick in this set and the best alternative if growth exposure is your priority.

  • Rev growth 19.4%, EPS growth -4.2%, 3Y rev CAGR 69.2%
  • 19.4% revenue growth vs APCX's -45.2%
  • Better valuation composite
Best for: growth exposure
APCX
AppTech Payments Corp.
The Momentum Pick

APCX is the clearest fit if your priority is momentum.

  • +54.8% vs HCAI's -94.0%
Best for: momentum
IIPR
Innovative Industrial Properties, Inc.
The Real Estate Income Play

IIPR carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.

  • Dividend streak 9 yrs, beta 0.92, yield 13.5%
  • 436.4% 10Y total return vs APCX's 393.7%
  • 45.6% margin vs APCX's -9.1%
  • 13.5% yield; 9-year raise streak; the other 3 pay no meaningful dividend
Best for: income & stability and long-term compounding
USIO
Usio, Inc.
The Defensive Pick

USIO is the clearest fit if your priority is sleep-well-at-night and defensive.

  • Lower volatility, beta 0.60, Low D/E 14.1%, current ratio 1.08x
  • Beta 0.60, current ratio 1.08x
  • Beta 0.60 vs APCX's 1.31
Best for: sleep-well-at-night and defensive
See the full category breakdown
CategoryWinnerWhy
GrowthHCAI logoHCAI19.4% revenue growth vs APCX's -45.2%
ValueHCAI logoHCAIBetter valuation composite
Quality / MarginsIIPR logoIIPR45.6% margin vs APCX's -9.1%
Stability / SafetyUSIO logoUSIOBeta 0.60 vs APCX's 1.31
DividendsIIPR logoIIPR13.5% yield; 9-year raise streak; the other 3 pay no meaningful dividend
Momentum (1Y)APCX logoAPCX+54.8% vs HCAI's -94.0%
Efficiency (ROA)IIPR logoIIPR5.1% ROA vs APCX's -115.0%, ROIC 4.3% vs -183.2%

HCAI vs APCX vs IIPR vs USIO — Revenue Breakdown by Segment

How each company's revenue is distributed across its business units

HCAIHauchen AI Parking Management Technology Holding Co., Ltd.
FY 2024
Maintenance
95.8%$429,572
Service, Other
4.2%$19,065
APCXAppTech Payments Corp.

Segment breakdown not available.

IIPRInnovative Industrial Properties, Inc.

Segment breakdown not available.

USIOUsio, Inc.
FY 2025
Credit Card Revenue
35.8%$30M
ACH and Complementary Service Revenue
26.5%$22M
Output Solutions
24.6%$21M
Prepaid Card Services Revenue
13.1%$11M

HCAI vs APCX vs IIPR vs USIO — Financial Metrics

Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.

BEST OVERALLIIPRLAGGINGUSIO

Income & Cash Flow (Last 12 Months)

IIPR leads this category, winning 3 of 6 comparable metrics.

IIPR is the larger business by revenue, generating $263M annually — 334.5x APCX's $787,000. IIPR is the more profitable business, keeping 45.6% of every revenue dollar as net income compared to APCX's -9.1%. On growth, APCX holds the edge at +4.3% YoY revenue growth, suggesting stronger near-term business momentum.

MetricHCAI logoHCAIHauchen AI Parkin…APCX logoAPCXAppTech Payments …IIPR logoIIPRInnovative Indust…USIO logoUSIOUsio, Inc.
RevenueTrailing 12 months$41M$787,000$263M$85M
EBITDAEarnings before interest/tax-$7M$197M-$298,381
Net IncomeAfter-tax profit-$7M$120M-$3M
Free Cash FlowCash after capex-$7M$144M$1.08T
Gross MarginGross profit ÷ Revenue+14.0%+57.1%+60.3%+23.1%
Operating MarginEBIT ÷ Revenue+5.5%-10.0%+46.7%-2.6%
Net MarginNet income ÷ Revenue+3.7%-9.1%+45.6%-2.9%
FCF MarginFCF ÷ Revenue+3.7%-8.7%+54.7%+12632.5%
Rev. Growth (YoY)Latest quarter vs prior year-72.8%+4.3%-3.8%+8.2%
EPS Growth (YoY)Latest quarter vs prior year-62.7%+34.8%-1.0%-3.3%
IIPR leads this category, winning 3 of 6 comparable metrics.

Valuation Metrics

HCAI leads this category, winning 3 of 5 comparable metrics.

At 9.7x trailing earnings, HCAI trades at a 33% valuation discount to IIPR's 14.4x P/E. On an enterprise value basis, HCAI's 8.8x EV/EBITDA is more attractive than IIPR's 9.9x.

MetricHCAI logoHCAIHauchen AI Parkin…APCX logoAPCXAppTech Payments …IIPR logoIIPRInnovative Indust…USIO logoUSIOUsio, Inc.
Market CapShares × price$16M$14M$1.6B$36M
Enterprise ValueMkt cap + debt − cash$27M$13M$2.0B$31M
Trailing P/EPrice ÷ TTM EPS9.71x-1.13x14.40x-14.04x
Forward P/EPrice ÷ next-FY EPS est.13.17x
PEG RatioP/E ÷ EPS growth rate3.85x
EV / EBITDAEnterprise value multiple8.84x9.91x
Price / SalesMarket cap ÷ Revenue0.38x49.36x6.08x0.43x
Price / BookPrice ÷ Book value/share0.52x1.83x0.87x1.97x
Price / FCFMarket cap ÷ FCF10.43x9.26x33.67x
HCAI leads this category, winning 3 of 5 comparable metrics.

Profitability & Efficiency

IIPR leads this category, winning 4 of 9 comparable metrics.

IIPR delivers a 6.4% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $-5 for APCX. APCX carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to HCAI's 0.42x. On the Piotroski fundamental quality scale (0–9), HCAI scores 7/9 vs USIO's 3/9, reflecting strong financial health.

MetricHCAI logoHCAIHauchen AI Parkin…APCX logoAPCXAppTech Payments …IIPR logoIIPRInnovative Indust…USIO logoUSIOUsio, Inc.
ROE (TTM)Return on equity+5.5%-5.1%+6.4%-13.5%
ROA (TTM)Return on assets+3.0%-115.0%+5.1%-2.2%
ROICReturn on invested capital+4.2%-183.2%+4.3%-12.0%
ROCEReturn on capital employed+7.0%-194.5%+5.8%-10.4%
Piotroski ScoreFundamental quality 0–97543
Debt / EquityFinancial leverage0.42x0.03x0.21x0.14x
Net DebtTotal debt minus cash$12M-$721,000$346M-$5M
Cash & Equiv.Liquid assets$28,654$868,000$48M$7M
Total DebtShort + long-term debt$12M$147,000$394M$3M
Interest CoverageEBIT ÷ Interest expense4.00x-10.21x6.67x-43.10x
IIPR leads this category, winning 4 of 9 comparable metrics.

Total Returns (Dividends Reinvested)

IIPR leads this category, winning 4 of 6 comparable metrics.

A $10,000 investment in IIPR five years ago would be worth $4,999 today (with dividends reinvested), compared to $1,259 for HCAI. Over the past 12 months, APCX leads with a +54.8% total return vs HCAI's -94.0%. The 3-year compound annual growth rate (CAGR) favors IIPR at 4.5% vs HCAI's -49.9% — a key indicator of consistent wealth creation.

MetricHCAI logoHCAIHauchen AI Parkin…APCX logoAPCXAppTech Payments …IIPR logoIIPRInnovative Indust…USIO logoUSIOUsio, Inc.
YTD ReturnYear-to-date+61.6%+19.7%+18.3%-5.1%
1-Year ReturnPast 12 months-94.0%+54.8%+20.3%-9.7%
3-Year ReturnCumulative with dividends-87.4%-80.2%+14.1%-33.8%
5-Year ReturnCumulative with dividends-87.4%-78.1%-50.0%-78.3%
10-Year ReturnCumulative with dividends-87.4%+393.7%+436.4%-32.8%
CAGR (3Y)Annualised 3-year return-49.9%-41.7%+4.5%-12.9%
IIPR leads this category, winning 4 of 6 comparable metrics.

Risk & Volatility

Evenly matched — IIPR and USIO each lead in 1 of 2 comparable metrics.

USIO is the less volatile stock with a 0.60 beta — it tends to amplify market swings less than APCX's 1.31 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. IIPR currently trades 92.2% from its 52-week high vs HCAI's 4.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.

MetricHCAI logoHCAIHauchen AI Parkin…APCX logoAPCXAppTech Payments …IIPR logoIIPRInnovative Indust…USIO logoUSIOUsio, Inc.
Beta (5Y)Sensitivity to S&P 5000.63x1.31x0.92x0.60x
52-Week HighHighest price in past year$318.60$0.59$61.40$2.02
52-Week LowLowest price in past year$0.32$0.06$44.58$1.03
% of 52W HighCurrent price vs 52-week peak+4.6%+66.4%+92.2%+64.9%
RSI (14)Momentum oscillator 0–10065.348.159.369.0
Avg Volume (50D)Average daily shares traded1.5M39K303K37K
Evenly matched — IIPR and USIO each lead in 1 of 2 comparable metrics.

Analyst Outlook

IIPR leads this category, winning 1 of 1 comparable metric.

IIPR is the only dividend payer here at 13.46% yield — a key consideration for income-focused portfolios.

MetricHCAI logoHCAIHauchen AI Parkin…APCX logoAPCXAppTech Payments …IIPR logoIIPRInnovative Indust…USIO logoUSIOUsio, Inc.
Analyst RatingConsensus buy/hold/sellHold
Price TargetConsensus 12-month target$44.00
# AnalystsCovering analysts11
Dividend YieldAnnual dividend ÷ price+13.5%
Dividend StreakConsecutive years of raises19
Dividend / ShareAnnual DPS$7.62
Buyback YieldShare repurchases ÷ mkt cap0.0%0.0%+1.2%+2.9%
IIPR leads this category, winning 1 of 1 comparable metric.
Key Takeaway

IIPR leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). HCAI leads in 1 (Valuation Metrics). 1 tied.

Best OverallInnovative Industrial Prope… (IIPR)Leads 4 of 6 categories
Loading custom metrics...

HCAI vs APCX vs IIPR vs USIO: Key Questions Answered

9 questions · data-driven answers · updated daily

01

Is HCAI or APCX or IIPR or USIO a better buy right now?

For growth investors, Hauchen AI Parking Management Technology Holding Co.

, Ltd. (HCAI) is the stronger pick with 19. 4% revenue growth year-over-year, versus -45. 2% for AppTech Payments Corp. (APCX). Hauchen AI Parking Management Technology Holding Co. , Ltd. (HCAI) offers the better valuation at 9. 7x trailing P/E, making it the more compelling value choice. Analysts rate Innovative Industrial Properties, Inc. (IIPR) a "Hold" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

02

Which has the better valuation — HCAI or APCX or IIPR or USIO?

On trailing P/E, Hauchen AI Parking Management Technology Holding Co.

, Ltd. (HCAI) is the cheapest at 9. 7x versus Innovative Industrial Properties, Inc. at 14. 4x.

03

Which is the better long-term investment — HCAI or APCX or IIPR or USIO?

Over the past 5 years, Innovative Industrial Properties, Inc.

(IIPR) delivered a total return of -50. 0%, compared to -87. 4% for Hauchen AI Parking Management Technology Holding Co. , Ltd. (HCAI). Over 10 years, the gap is even starker: IIPR returned +436. 4% versus HCAI's -87. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

04

Which is safer — HCAI or APCX or IIPR or USIO?

By beta (market sensitivity over 5 years), Usio, Inc.

(USIO) is the lower-risk stock at 0. 60β versus AppTech Payments Corp. 's 1. 31β — meaning APCX is approximately 119% more volatile than USIO relative to the S&P 500. On balance sheet safety, AppTech Payments Corp. (APCX) carries a lower debt/equity ratio of 3% versus 42% for Hauchen AI Parking Management Technology Holding Co. , Ltd. — giving it more financial flexibility in a downturn.

05

Which is growing faster — HCAI or APCX or IIPR or USIO?

By revenue growth (latest reported year), Hauchen AI Parking Management Technology Holding Co.

, Ltd. (HCAI) is pulling ahead at 19. 4% versus -45. 2% for AppTech Payments Corp. (APCX). On earnings-per-share growth, the picture is similar: AppTech Payments Corp. grew EPS 65. 3% year-over-year, compared to -177. 8% for Usio, Inc.. Over a 3-year CAGR, HCAI leads at 69. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

06

Which has better profit margins — HCAI or APCX or IIPR or USIO?

Innovative Industrial Properties, Inc.

(IIPR) is the more profitable company, earning 43. 0% net margin versus -32. 4% for AppTech Payments Corp. — meaning it keeps 43. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IIPR leads at 46. 7% versus -34. 6% for APCX. At the gross margin level — before operating expenses — IIPR leads at 88. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

07

Which pays a better dividend — HCAI or APCX or IIPR or USIO?

In this comparison, IIPR (13.

5% yield) pays a dividend. HCAI, APCX, USIO do not pay a meaningful dividend and should not be held primarily for income.

08

Is HCAI or APCX or IIPR or USIO better for a retirement portfolio?

For long-horizon retirement investors, Innovative Industrial Properties, Inc.

(IIPR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 92), 13. 5% yield, +436. 4% 10Y return). Both have compounded well over 10 years (IIPR: +436. 4%, APCX: +393. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

09

What are the main differences between HCAI and APCX and IIPR and USIO?

These companies operate in different sectors (HCAI (Industrials) and APCX (Technology) and IIPR (Real Estate) and USIO (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: HCAI is a small-cap high-growth stock; APCX is a small-cap quality compounder stock; IIPR is a small-cap deep-value stock; USIO is a small-cap quality compounder stock. IIPR pays a dividend while HCAI, APCX, USIO do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.

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HCAI

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  • Sector: Industrials
  • Market Cap > $100B
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APCX

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  • Market Cap > $100B
  • Revenue Growth > 213%
  • Gross Margin > 34%
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IIPR

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  • Sector: Real Estate
  • Market Cap > $100B
  • Net Margin > 27%
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USIO

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  • Gross Margin > 13%
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