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AppTech
(OTC:APCX)
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Rating:43Neutral
Price Target:
$0.25
▼(-30.28% Downside)
Action:Reiterated
Date:09/12/26
The score is held down primarily by very weak fundamentals: deep losses, persistent cash burn, and a deteriorated balance sheet with negative equity, despite strong revenue growth and solid gross margins. Technicals also remain bearish with the stock below all major moving averages and negative MACD, though oversold readings suggest potential for short-term stabilization. Valuation and the recent short-term financing provide limited support given ongoing unprofitability and liquidity risk.
Positive Factors
Strong Revenue Growth
The 51.8% TTM revenue increase shows strong commercial momentum and expanding customer or transaction activity. If sustained, this growth can improve operating leverage, broaden the company’s revenue base, and provide a foundation for eventual profitability despite current losses.
Negative Factors
Deep and Persistent Unprofitability
The company’s revenue growth has not yet translated into earnings: a roughly -193% TTM net margin and negative EBIT and EBITDA show substantial operating cost burdens. Persistent losses reduce internally generated capital and make the path to sustainable profitability uncertain over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
The 51.8% TTM revenue increase shows strong commercial momentum and expanding customer or transaction activity. If sustained, this growth can improve operating leverage, broaden the company’s revenue base, and provide a foundation for eventual profitability despite current losses.
Read all positive factors
AppTech (APCX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$10.92M
Dividend YieldN/A
Average Volume (3M)82.22K
Price to Earnings (P/E)―
Beta (1Y)0.28
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. Volume69,602
30 Day Avg. Volume82,215
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
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 | -5.93M | -6.22M | -6.86M | -17.48M | -15.46M | -76.14M |
| 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
0.32
Negative
0.36
Negative
0.38
Negative
Market Momentum
-0.01
Positive
30.16
Neutral
8.65
Positive
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 0.35, above the 50-day MA of 0.32, and below the 200-day MA of 0.38, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 30.16 is Neutral, neither overbought nor oversold. The STOCH value of 8.65 is Positive, 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% | |
53 Neutral | $11.10M | -7.80 | -14.51% | ― | 1.61% | 58.69% | |
46 Neutral | $7.42M | -0.08 | -59.16% | ― | -15.97% | -441.51% | |
44 Neutral | $4.18M | -0.02 | -103.65% | 1.17% | -6.48% | -100.27% | |
43 Neutral | $10.92M | -1.17 | -974.99% | ― | 563.52% | 18.93% | |
39 Underperform | $15.22M | ― | 135.87% | ― | 7.10% | 84.60% |
* Technology Sector Average
APCX
AppTech
0.26
0.08
45.25%
BLIN
Bridgeline Digital
0.88
-0.44
-33.26%
TAOP
Taoping
0.77
-2.21
-74.09%
CETX
Cemtrex
2.43
-101.97
-97.67%
HUBC
Hub
0.34
-35,549.67
-100.00%
AppTech Corporate Events
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...
Business Operations and StrategyPrivate Placements and Financing
AppTech Secures Insider-Backed Short-Term Working Capital Financing
Positive
Jul 21, 2026
On July 17, 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. The note carries a 9.0% annual interest rat...
Business Operations and StrategyExecutive/Board Changes
AppTech Appoints Interim CEO Amid Leadership Transition
Neutral
Jul 10, 2026
On July 1, 2026, AppTech Payments Corp. removed Thomas J. DeRosa from his roles as president and chief executive officer, though he will remain on the company’s board of directors. The leadership change marks a significant governance shift a...
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
AppTech enters short-term related-party financing agreement
Neutral
Jul 2, 2026
On June 26, 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, bearing 9.0% annual interest and maturing i...
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.