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AppTech Corp. (APCX)
OTHER OTC:APCX
US Market

AppTech (APCX) AI Stock Analysis

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AP

AppTech

(OTC:APCX)

Rating:45Neutral
Price Target:
$0.00
▼(-100.00%Downside)
AppTech's overall stock score is primarily impacted by its weak financial performance and valuation concerns. The financial challenges, including negative revenue growth and net losses, are significant factors. Technical analysis provides mixed signals, but overall sentiment remains cautious. The lack of earnings call insights and corporate events further limits any positive catalysts.

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

AppTech Business Overview & Revenue Model

Company DescriptionAppTech Payments Corp. (APCX) is a financial technology company that operates in the digital payments and banking sector. The company offers a range of integrated payment processing and digital banking solutions, catering to businesses and consumers. Its core products and services include secure payment processing, digital banking services, and mobile commerce technologies designed to streamline transactions and enhance user experience.
How the Company Makes MoneyAppTech generates revenue primarily through transaction fees charged for payment processing services. The company earns fees from merchants and businesses that utilize its payment solutions for credit card processing, digital wallet services, and online transactions. AppTech also monetizes its digital banking platform by offering value-added services and subscription-based features to its users. Additionally, strategic partnerships with financial institutions and technology providers enhance its service offerings and expand its market reach, contributing to its revenue streams.

AppTech Financial Statement Overview

Summary
AppTech's financial performance is hindered by negative profitability, declining revenue, and operational inefficiencies. Despite improvements in equity and low leverage, the company struggles with cash generation and needs to enhance operational efficiency.
Income Statement
40
Negative
AppTech's income statement reveals significant challenges with profitability and revenue growth. The company has posted consistent net losses, with the net profit margin being negative. Revenue has decreased from $504,000 in 2023 to $276,000 in 2024, indicating a concerning revenue growth trend. The EBIT and EBITDA margins are also negative, underscoring operational inefficiencies.
Balance Sheet
55
Neutral
The balance sheet shows improvement in equity with a positive stockholders' equity of $5.47 million in 2024, up from $4.19 million in 2023. The debt-to-equity ratio is low, indicating low financial leverage, but the overall asset base remains modest. The equity ratio is healthy at 60.8%, indicating a strong equity foundation relative to assets.
Cash Flow
45
Neutral
AppTech's cash flow statement highlights a negative operating cash flow and free cash flow in 2024, reflecting challenges in generating cash from operations. While financing activities have provided some liquidity, the free cash flow growth rate remains negative. Operating cash flow to net income ratio is negative, indicating operational cash generation issues relative to net losses.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue388.00K276.00K504.00K450.00K353.82K329.50K
Gross Profit219.00K224.00K317.00K230.00K204.38K189.13K
EBITDA-6.41M-6.86M-17.48M-15.46M-76.14M-3.85M
Net Income-8.54M-8.93M-18.51M-16.28M-79.25M-4.19M
Balance Sheet
Total Assets6.91M8.99M8.35M12.52M7.56M379.69K
Cash, Cash Equivalents and Short-Term Investments417.00K868.00K1.28M3.46M8.03K57.50K
Total Debt61.00K147.00K158.00K2.02M2.09M3.20M
Total Liabilities61.00K3.52M4.16M5.09M7.51M8.57M
Stockholders Equity3.66M5.47M4.19M7.42M44.00K-8.19M
Cash Flow
Free Cash Flow-7.62M-7.46M-8.86M-9.99M-3.00M-591.39K
Operating Cash Flow-7.09M-7.46M-8.86M-8.20M-1.82M-591.39K
Investing Cash Flow-1.16M-1.16M-500.00K-1.79M-1.18M5.91K
Financing Cash Flow7.12M8.20M7.18M13.44M2.96M618.81K

AppTech Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.25
Price Trends
50DMA
0.26
Negative
100DMA
0.33
Negative
200DMA
0.44
Negative
Market Momentum
MACD
-0.01
Positive
RSI
46.73
Neutral
STOCH
64.29
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 0.25 is below the 20-day moving average (MA) of 0.27, below the 50-day MA of 0.26, and below the 200-day MA of 0.44, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 46.73 is Neutral, neither overbought nor oversold. The STOCH value of 64.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for APCX.

AppTech Peers Comparison

Overall Rating
UnderperformOutperform
Sector (56)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
56
Neutral
HK$14.03B5.19-5.75%5.41%9.34%-42.23%
SOSOS
50
Neutral
$23.90M-3.13%-35.46%60.83%
45
Neutral
$7.82M-220.48%-25.38%67.34%
45
Neutral
$15.31M-501.24%141.65%60.23%
39
Underperform
$10.77M-309.32%-23.82%56.13%
35
Underperform
$15.74M-254.58%-20.33%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
APCX
AppTech
0.25
-0.75
-75.00%
DTSS
Datasea
2.02
-1.14
-36.08%
SOS
SOS
8.75
-3.41
-28.04%
RVYL
Ryvyl
0.75
-1.37
-64.62%
BNAI
Brand Engagement Network
0.36
-2.80
-88.61%

AppTech Corporate Events

Private Placements and FinancingBusiness Operations and Strategy
AppTech Enters Securities Purchase Agreement with Investor
Neutral
Jun 25, 2025

On June 18, 2025, AppTech Payments Corp. entered into a Securities Purchase Agreement with an accredited investor, resulting in the issuance and sale of a 20% original issue discount convertible promissory note worth $360,000 for a purchase price of $300,000. The note, which matures in six months with a 10% annual interest rate, is convertible into common stock and includes provisions for redemption and default events, impacting the company’s financial strategy and shareholder equity.

Delistings and Listing ChangesRegulatory Filings and Compliance
AppTech to Transition from Nasdaq to OTCQB Market
Neutral
May 19, 2025

On May 16, 2025, AppTech was informed by Nasdaq of its decision to delist the company’s common stock and warrants due to noncompliance with Nasdaq Listing Rule 5550(a)(2). As a result, trading will be suspended on May 20, 2025. However, AppTech has secured approval for its securities to be quoted on the OTCQB market tier, ensuring continuity in trading under the same symbols. This transition is not expected to impact the company’s business or operations, and AppTech will continue to comply with SEC reporting requirements.

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.Date of analysis: Jun 24, 2025