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AppTech Corp. (APCX)
NASDAQ:APCX
US Market

AppTech (APCX) AI Stock Analysis

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AP

AppTech

(NASDAQ:APCX)

51Neutral
AppTech's overall stock score reflects a blend of financial challenges and technical stability. The company's ongoing profitability and cash flow issues weigh heavily on its score, despite improvements in equity and compliance with Nasdaq requirements. Technical indicators show some positive momentum, but valuation remains a concern with a negative P/E ratio. The recent corporate event of regaining Nasdaq compliance provides a positive outlook, but significant operational improvements are necessary for a stronger investment case.

AppTech (APCX) vs. S&P 500 (SPY)

AppTech Business Overview & Revenue Model

Company DescriptionAppTech Payments Corp. (APCX) is a financial technology company that operates primarily in the digital payments sector. The company offers a comprehensive suite of innovative payment processing and digital banking solutions designed to enhance the transaction experience for businesses and consumers. AppTech's core products and services include mobile payments, merchant services, and advanced payment solutions tailored to meet the needs of various industries.
How the Company Makes MoneyAppTech generates revenue primarily through transaction fees and service charges associated with its payment processing solutions. The company earns money by providing merchant services, where it facilitates transactions between businesses and their customers, charging a fee for each transaction processed. Additionally, AppTech may offer subscription-based services or licensing fees for the use of its proprietary technology platforms. Strategic partnerships with financial institutions and technology providers also contribute to its revenue by expanding its market reach and enhancing its service offerings.

AppTech Financial Statement Overview

Summary
AppTech's financial performance is poor, with declining revenue, negative profit margins, high debt levels, and unsustainable cash flow practices. The company exhibits significant financial instability and needs restructuring to improve its financial health.
Income Statement
35
Negative
AppTech has experienced a consistent decline in gross profit and net margins, with significant negative EBIT and EBITDA margins. Revenue growth has been inconsistent with a concerning decline in the TTM period. The company has struggled to generate profits, which reflects poorly on its ability to scale and manage costs effectively in the software industry.
Balance Sheet
40
Negative
The balance sheet shows a high debt-to-equity ratio due to low stockholders' equity, indicating financial leverage risk. The equity ratio is low as well, signifying a heavy reliance on debt. The company's ROE is negative, further highlighting inefficiencies in utilizing shareholder funds to generate profit. The balance sheet reflects financial instability and risk.
Cash Flow
30
Negative
Operating and free cash flows have been negative and declining, indicating potential liquidity issues. While financing cash flow has been positive, it primarily covers cash burn rather than growth investments. Ratios of cash flow to net income further reflect operational challenges and unsustainable cash flow practices.
Breakdown
TTMDec 2023Dec 2022Dec 2021Dec 2020Dec 2019
Income StatementTotal Revenue
365.00K504.00K450.00K353.82K329.50K256.14K
Gross Profit
-144.00K317.00K230.00K204.38K189.13K154.50K
EBIT
-11.14M-19.18M-15.33M-77.32M-3.61M-948.43K
EBITDA
-10.19M-17.48M-15.46M-76.14M-3.84M-1.05M
Net Income Common Stockholders
-11.37M-18.51M-17.02M-13.40M-4.53M-1.53M
Balance SheetCash, Cash Equivalents and Short-Term Investments
1.55M1.28M3.46M8.03K57.50K24.16K
Total Assets
8.25M8.35M12.52M7.56M379.69K84.94K
Total Debt
151.00K158.00K2.02M2.09M3.20M2.90M
Net Debt
-1.40M-1.12M-1.45M2.09M3.15M2.87M
Total Liabilities
4.17M4.16M5.09M7.51M8.57M7.53M
Stockholders Equity
4.08M4.19M7.42M44.00K-8.19M-7.45M
Cash FlowFree Cash Flow
-7.23M-8.86M-9.99M-3.00M-591.39K-760.54K
Operating Cash Flow
-7.28M-8.86M-8.20M-1.82M-591.39K-760.54K
Investing Cash Flow
-1.02M-500.00K-1.79M-1.18M5.91K-25.00K
Financing Cash Flow
8.15M7.18M13.44M2.96M618.81K808.32K

AppTech Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.44
Price Trends
50DMA
0.41
Positive
100DMA
0.47
Negative
200DMA
0.65
Negative
Market Momentum
MACD
<0.01
Negative
RSI
50.33
Neutral
STOCH
69.61
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For APCX, the sentiment is Positive. The current price of 0.44 is above the 20-day moving average (MA) of 0.40, above the 50-day MA of 0.41, and below the 200-day MA of 0.65, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 50.33 is Neutral, neither overbought nor oversold. The STOCH value of 69.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for APCX.

AppTech Peers Comparison

Overall Rating
UnderperformOutperform
Sector (57)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
VV
84
Outperform
$676.62B35.3850.51%0.64%10.35%16.40%
74
Outperform
$65.39B16.8020.00%7.10%4.45%
XYXYZ
73
Outperform
$34.33B12.7114.50%10.06%38060.98%
GPGPN
73
Outperform
$24.20B15.986.94%1.01%4.68%63.39%
57
Neutral
$20.94B10.43-13.41%2.52%4.53%-23.34%
51
Neutral
$13.65M-184.93%-22.51%57.94%
FIFIS
51
Neutral
$39.50B52.594.65%1.98%-17.38%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
APCX
AppTech
0.44
-0.51
-53.68%
FIS
Fidelity National Info
74.51
3.96
5.61%
GPN
Global Payments
99.60
-25.17
-20.17%
V
Visa
339.39
67.42
24.79%
PYPL
PayPal Holdings
61.71
-2.83
-4.38%
XYZ
Block
53.97
-20.76
-27.78%

AppTech Corporate Events

Delistings and Listing ChangesRegulatory Filings and Compliance
Nasdaq Grants AppTech Extension for Listing Compliance
Neutral
Feb 18, 2025

AppTech Payments Corp. received notices from Nasdaq in May and August 2024 for non-compliance with listing rules, specifically failing to meet the minimum bid price and stockholders’ equity requirements. On February 12, 2025, after a hearing held on January 14, 2025, the Nasdaq Hearings Panel granted AppTech’s request to continue its listing, contingent upon meeting certain conditions by specified deadlines. These conditions include demonstrating compliance with stockholders’ equity and bid price requirements, filing public disclosures of any equity-increasing transactions, and updating the Panel on fundraising efforts and income projections.

Delistings and Listing ChangesPrivate Placements and FinancingRegulatory Filings and Compliance
AppTech Regains Nasdaq Compliance After Capital Raise
Positive
Jan 10, 2025

AppTech Payments Corp. has regained compliance with Nasdaq’s Minimum Stockholders’ Equity Requirement after executing a capital raising transaction involving agreements with AFIOS Partners 6 and 7, resulting in significant equity increases and early debt extinguishment. The company’s shareholders’ equity now exceeds the required threshold, but continued compliance will be monitored by Nasdaq to prevent potential delisting risks.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.