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AppTech
(OTC:APCX)
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Rating:42Neutral
Price Target:
$0.13
▼(-65.28% Downside)
Action:Reiterated
Date:10/24/26
The score is held down primarily by weak financial sustainability (deep losses, ongoing cash burn, and a weakened balance sheet with negative equity) and a clear technical downtrend (price below all major DMAs with bearish MACD). Corporate events provide some offset from the modernization/reset plan, but leadership change and expected near-term growth headwinds keep the overall risk profile elevated.
Positive Factors
Revenue Growth and Gross Margin
TTM revenue growth of 51.8% alongside a 54.8% gross margin shows AppTech is gaining volume while retaining meaningful economics per dollar of revenue. If growth can be paired with operating discipline, this provides a credible base for future scale and product investment.
Negative Factors
Deep Unprofitability
Revenue growth has not yet translated into viable profitability: TTM net margin is approximately negative 193%, with EBIT and EBITDA also negative. Continued large losses reduce internal funding capacity and make the business’s long-term economics dependent on successful cost control and scale.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Gross Margin
TTM revenue growth of 51.8% alongside a 54.8% gross margin shows AppTech is gaining volume while retaining meaningful economics per dollar of revenue. If growth can be paired with operating discipline, this provides a credible base for future scale and product investment.
Read all positive factors
AppTech (APCX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.46M
Dividend YieldN/A
Average Volume (3M)33.57K
Price to Earnings (P/E)―
Beta (1Y)0.38
Revenue Growth563.52%
EPS Growth18.93%
CountryUS
Employees6
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-0.22
Shares Outstanding41,998,330
10 Day Avg. Volume31,338
30 Day Avg. Volume33,569
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)5.33
Price to Sales (P/S)7.24
P/FCF Ratio-2.06
Enterprise Value/Market Cap3.50
Enterprise Value/Revenue4.78
Enterprise Value/Gross Profit8.72
Enterprise Value/Ebitda-3.42
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
AppTech Business Overview & Revenue Model
Company Description
AppTech Payments Corp. operates as a U.S.-based financial technology company, specializing in providing electronic payment processing technologies and a suite of merchant services. Through its merchant services, the firm enables businesses to acce...
AppTech Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
22
Negative
Cash Flow
16
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.00M | 1.40M | 276.00K | 504.00K | 450.00K | 354.00K |
| Gross Profit | 2.19M | 771.00K | 224.00K | 317.00K | 230.00K | 204.00K |
| EBITDA | -5.59M | -6.22M | -6.86M | -17.48M | -15.46M | -67.77M |
| Net Income | -7.74M | -7.92M | -8.93M | -18.51M | -16.28M | -79.25M |
Balance Sheet | ||||||
| Total Assets | 8.94M | 9.39M | 8.99M | 8.35M | 12.52M | 7.56M |
| Cash, Cash Equivalents and Short-Term Investments | 183.00K | 244.00K | 868.00K | 1.28M | 3.46M | 8.03K |
| Total Debt | 5.03M | 3.03M | 147.00K | 158.00K | 2.02M | 2.09M |
| Total Liabilities | 9.37M | 7.50M | 3.52M | 4.16M | 5.09M | 7.51M |
| Stockholders Equity | -431.00K | 1.89M | 5.47M | 4.19M | 7.42M | 44.00K |
Cash Flow | ||||||
| Free Cash Flow | -3.50M | -4.89M | -8.54M | -8.86M | -9.99M | -3.00M |
| Operating Cash Flow | -3.50M | -4.89M | -7.46M | -8.86M | -8.20M | -1.82M |
| Investing Cash Flow | -1.89M | -1.88M | -1.16M | -500.00K | -1.79M | -1.18M |
| Financing Cash Flow | 5.43M | 6.15M | 8.20M | 7.18M | 13.44M | 2.96M |
AppTech Technical Analysis
Negative
0.36
Price Trends
0.26
Negative
0.30
Negative
0.35
Negative
Market Momentum
-0.03
Negative
27.60
Positive
27.21
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For APCX, the sentiment is Negative. The current price of 0.36 is above the 20-day moving average (MA) of 0.18, above the 50-day MA of 0.26, and above the 200-day MA of 0.35, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 27.60 is Positive, neither overbought nor oversold. The STOCH value of 27.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for APCX.
AppTech Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
48 Neutral | $9.03M | -6.35 | -14.51% | ― | 1.61% | 58.69% | |
43 Neutral | $2.98M | -0.01 | -103.65% | 1.17% | -6.48% | -100.27% | |
42 Neutral | $5.46M | -0.59 | -974.99% | ― | 563.52% | 18.93% | |
41 Neutral | $3.42M | -0.11 | -42.68% | ― | -30.68% | 80.50% | |
39 Underperform | $279.97K | ― | 135.87% | ― | 7.10% | 84.60% |
* Technology Sector Average
APCX
AppTech
0.13
-0.06
-30.11%
BLIN
Bridgeline Digital
0.72
-0.58
-44.71%
TAOP
Taoping
0.36
-2.13
-85.70%
CETX
Cemtrex
1.73
-50.87
-96.71%
HUBC
Hub
0.16
-551,249.91
-100.00%
AppTech Corporate Events
Business Operations and StrategyM&A TransactionsProduct-Related Announcements
AppTech Announces Strategic Reset and Platform Modernization Plan
Positive
Oct 23, 2026
On October 22, 2026, AppTech Payments issued a shareholder letter outlining a strategic reset that follows its October 2025 acquisition of Infinitus Pay, which transformed the company into a scalable payments infrastructure provider. The firm now ...
Business Operations and StrategyExecutive/Board Changes
AppTech Announces Departure of Chief Operating Officer
Negative
Oct 6, 2026
On September 30, 2026, AppTech Payments Corp. announced the end of Anthony Shall’s employment as its Chief Operating Officer. The departure of a key executive such as the COO may signal internal management changes and could influence the com...
Business Operations and StrategyPrivate Placements and Financing
AppTech Secures New Convertible Note and Equity Financing
Neutral
Oct 5, 2026
On September 29, 2026, AppTech Payments Corp. entered into a Securities Purchase Agreement with GS Capital Partners, LLC, issuing a $560,000 promissory note and 80,000 common shares, for gross proceeds of $505,000 after an original issue discount....
Business Operations and StrategyPrivate Placements and Financing
AppTech Enters Insider-Linked Short-Term Financing Agreement
Neutral
Aug 14, 2026
On August 10, 2026, AppTech Payments Corp. entered into a $500,000 promissory note with the Suzanne D. Lord Spousal Estate Reduction Trust to fund short-term working capital and general corporate purposes, at a 9.0% annual interest rate and a 90-d...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.