One-glance verdict
Not enough data
Fair value unavailable
Not enough cash-flow history to value this one with our method.
Fundamentals snapshot
AppTech Payments Corp.
APCX · OQB · Technology · Software - Infrastructure
Current price
$0.11
52-week range
$0.10 - $0.59
Market cap
$4.63M
Balance sheet
Distressed
-33.68x Concerning
Net debt $4.85M. Interest coverage shows how many times profit covers the interest bill.
What stands out
1 Reward
2 Risks
1 rewards · 2 risks
- Reward Revenue grew 186.8% last year.
- Risk Return on equity was -735.6% last year — the company lost money on shareholders' equity.
- Risk Insider ownership is only 13.7% (peer median: 35.1%).
What this company does
AppTech Payments Corp.
AppTech Payments Corp. helps businesses accept payments digitally and through special card machines, earning most of its money from fees on these transactions. This matters because it means AppTech is part of the essential backbone that allows companies to get paid in today's online and in-person shopping world, with the potential for steady income if their payment services are widely used.
How the company got here
AppTech Payments Corp. was incorporated in 1998 and has evolved significantly since then, formerly known as AppTech Corp.. The company is a fintech (financial technology) provider that focuses on payment processing and digital banking solutions. It has undergone leadership transitions and strategic acquisitions, such as the purchase of Infinitus Pay Inc. in October 2025, to enhance its offerings. AppTech Payments Corp. operates on a cloud-based, API-driven platform designed to support various financial transactions. The company has also transitioned from the Nasdaq to the OTC market.
What it actually does
AppTech Payments Corp. provides a suite of financial technology services, primarily focused on payment processing and digital banking for businesses and financial institutions. Their offerings enable companies to accept various forms of cashless and contactless payments, including credit cards and ACH transactions. The company's technology aims to create seamless commerce experiences by integrating digital banking, payment acceptance, and other financial services into a unified platform. This allows businesses to offer branded payment acceptance and related financial services to their customers.
Merchant Transaction Services
This segment of AppTech Payments Corp. involves processing payments for businesses that accept credit and debit cards. This includes handling transactions through point-of-sale (POS) equipment in physical stores, as well as online through e-commerce gateways. It also covers recurring payments, such as automatic clearing house (ACH) payments, and manages gift and loyalty programs for merchants. Essentially, this is the core service that allows businesses to get paid by their customers using various card and payment methods.
Integrated Solutions and Omnichannel Payments
AppTech Payments Corp. offers integrated solutions designed for seamless digital and mobile payment acceptance, catering to a multi-channel approach. This includes an 'omnichannel payments pillar' which provides a hosted e-commerce checkout experience, a flexible payment gateway, and technology for text-based payments. It also supports alternative payment methods (APMs) and mobile/contactless payments, ensuring customers can pay through their preferred channels, whether online, in-app, or in-person. This part of the business helps businesses provide a consistent and convenient payment experience across all customer touchpoints.
Issuer Processing and FinZeo Platform
This area of AppTech's business focuses on account-based issuer processing for various payment types, including cards and digital tokens. It's a multi-use case, API-driven service that facilitates payment transfer transaction services. Additionally, AppTech offers FinZeo, a fintech platform that likely serves as a foundational technology for some of their digital banking and payment solutions. This segment is more about the underlying technology that enables the processing and management of financial transactions for financial institutions and partners.
What management is betting on now
AppTech Payments Corp. is focused on leveraging its proprietary, patent-backed platform, such as 'Commerse™', to deliver integrated digital banking and payment solutions. Management is betting on combining digital banking, text-based payments, and merchant services into a unified platform to enhance operational efficiency and customer purchasing experiences. The company is also expanding its capabilities through strategic acquisitions, aiming to strengthen its Banking-as-a-Service (BaaS) and digital commerce offerings. This strategy aims to provide businesses with modern digital tools to meet evolving customer demands in the financial services landscape.
Price history
How the share price has moved
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Earnings history
Last 8 quarters — what happened
Click any quarter to read the call summary and what the numbers say.
Revenue
$1.66M
Net income
$-1.01M
Diluted EPS
-0.02
Operating cash flow
$-776.00K
Free cash flow
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Sources
Revenue
$1.46M
Net income
$-3.31M
Diluted EPS
-0.08
Operating cash flow
$-913.00K
Free cash flow
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Revenue
$660.00K
Net income
$-1.69M
Diluted EPS
-0.04
Operating cash flow
$-1.06M
Free cash flow
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Revenue
$227.00K
Net income
$-1.73M
Diluted EPS
-0.05
Operating cash flow
$-749.00K
Free cash flow
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Revenue
$291.00K
Net income
$-1.86M
Diluted EPS
-0.06
Operating cash flow
$-1.28M
Free cash flow
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Revenue
$217.00K
Net income
$-2.64M
Diluted EPS
-0.08
Operating cash flow
$-1.80M
Free cash flow
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Revenue
$52.00K
Net income
$-949.00K
Diluted EPS
-0.02
Operating cash flow
$-2.49M
Free cash flow
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Revenue
$43.00K
Net income
$-2.02M
Diluted EPS
-0.08
Operating cash flow
$-1.07M
Free cash flow
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Is it cheap or expensive?
Fair value — vs current price $0.11
We couldn't calculate a fair value right now.
Is it drowning in debt?
Distressed
Net debt $4.8M. Interest coverage -33.7x.
Net debt
$4.85M
Interest coverage
-33.68x
AppTech Payments Corp.'s profit covers its interest bill about 0.0 times over. which is weaker than most peers shown here and 2 peers sit below 1x, which is the danger zone where profit does not fully cover the interest bill.
Distressed
Worse cushion
Baseline
Better cushion
APCX
BASELINE
AppTech Payments Corp.
Total debt $5.03M Interest coverage -33.68x This is the baseline the peer rows are being compared against.
Total debt $346.04K Interest coverage -13.05x Neither company has much profit cushion over interest right now.
Total debt $4.61M Interest coverage -45.30x Neither company has much profit cushion over interest right now.
Total debt $5.71M Interest coverage 2.76x This peer still has a real interest-payment cushion, while APCX does not.
What you should know
The case for and against APCX
1 Reward
2 Risks
Rewards
-
Revenue grew 186.8% last year.
Risks
-
Return on equity was -735.6% last year — the company lost money on shareholders' equity.
-
Insider ownership is only 13.7% (peer median: 35.1%).
The numbers
All the key metrics, grouped by purpose
Tap any ? icon to learn what it means.
Valuation
How expensive the stock looks
P/E (TTM)
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Forward P/E
-0.32x
P/B
-11.00x
P/S
1.16x
EV/EBITDA
-1.59x
PEG ratio
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Profitability
How much profit each dollar creates
Gross margin
54.8%
Operating margin
-53.6%
Net margin
-193.4%
ROE
-735.6%
ROA
-54.9%
Health
Liquidity and balance-sheet strength
Debt / equity
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Current ratio
0.14x
Quick ratio
0.11x
Total debt
$5.03M
Total cash
$183.00K
Growth
How the business has been compounding
Revenue TTM
$4.00M
Revenue 5Y CAGR
40.9%
EPS TTM
-0.19
EPS 5Y CAGR
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Cash flow
How much cash the business throws off
Operating CF TTM
$-3.50M
Free CF TTM
$-4.89M
FCF margin
-122.2%
Dividend
Shareholder payout
Yield
0.0%
Payout ratio
0.0%
Last ex-div date
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