AppTech Corp. (APCX)
OTHER OTC:APCX
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AppTech
(OTC:APCX)
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Rating:44Neutral
Price Target:
$0.36
▲(5.59% Upside)
Action:Reiterated
Date:05/16/26
The score is pressured primarily by weak financial quality (heavy losses, elevated leverage, and persistent cash burn) despite strong revenue growth and solid gross margins. Technically, the setup remains bearish (below key moving averages with negative MACD), with only an oversold reading offering modest near-term support. Valuation metrics provided do not add meaningful support due to the lack of a usable earnings multiple and no dividend yield.
Positive Factors
Revenue Growth
An 88.9% TTM revenue increase to $2.64M signals durable commercial traction and product-market fit. Sustained top-line expansion provides a growing base to leverage fixed costs, improving the odds of moving toward operating leverage and longer-term profitability if growth persists.
Negative Factors
Persistent Cash Burn
Sustained negative operating and free cash flow (~-$4.0M TTM) shows the business is not yet self-funding and will remain reliant on external financing. Continued burn constrains reinvestment, increases fundraising frequency, and raises the risk of dilution or distressed financing over time.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
An 88.9% TTM revenue increase to $2.64M signals durable commercial traction and product-market fit. Sustained top-line expansion provides a growing base to leverage fixed costs, improving the odds of moving toward operating leverage and longer-term profitability if growth persists.
Read all positive factors
AppTech (APCX) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$15.05M
Dividend YieldN/A
Average Volume (3M)106.35K
Price to Earnings (P/E)―
Beta (1Y)0.26
Revenue Growth579.12%
EPS Growth25.38%
CountryUS
Employees9
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-0.26
Shares Outstanding42,003,933
10 Day Avg. Volume127,012
30 Day Avg. Volume106,347
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 Cap1.21
Enterprise Value/Revenue6.91
Enterprise Value/Gross Profit12.19
Enterprise Value/Ebitda-2.54
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., a financial technology company, provides electronic payment processing technologies and merchant services in the United States. Its merchant services offer financial processing for businesses to accept cashless and/or conta...
AppTech Financial Statement Overview
Summary
Income Statement
22
Negative
Balance Sheet
18
Very Negative
Cash Flow
17
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.63M | 1.40M | 276.00K | 504.00K | 450.00K | 354.00K |
| Gross Profit | 1.49M | 771.00K | 224.00K | 317.00K | 230.00K | 204.00K |
| EBITDA | -7.17M | -6.22M | -6.86M | -17.48M | -15.46M | -76.14M |
| Net Income | -8.59M | -7.92M | -8.93M | -18.51M | -16.28M | -79.25M |
Balance Sheet | ||||||
| Total Assets | 9.14M | 9.39M | 8.99M | 8.35M | 12.52M | 7.56M |
| Cash, Cash Equivalents and Short-Term Investments | 110.00K | 244.00K | 868.00K | 1.28M | 3.46M | 8.03K |
| Total Debt | 3.93M | 3.03M | 147.00K | 158.00K | 2.02M | 2.09M |
| Total Liabilities | 8.84M | 7.50M | 3.52M | 4.16M | 5.09M | 7.51M |
| Stockholders Equity | 297.00K | 1.89M | 5.47M | 4.19M | 7.42M | 44.00K |
Cash Flow | ||||||
| Free Cash Flow | -4.00M | -4.89M | -8.54M | -8.86M | -9.99M | -3.00M |
| Operating Cash Flow | -4.00M | -4.89M | -7.46M | -8.86M | -8.20M | -1.82M |
| Investing Cash Flow | -1.88M | -1.88M | -1.16M | -500.00K | -1.79M | -1.18M |
| Financing Cash Flow | 5.58M | 6.15M | 8.20M | 7.18M | 13.44M | 2.96M |
AppTech Technical Analysis
Negative
0.34
Price Trends
0.46
Negative
0.41
Negative
0.34
Positive
Market Momentum
-0.03
Positive
29.54
Positive
33.33
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 0.34 is below the 20-day moving average (MA) of 0.44, below the 50-day MA of 0.46, and above the 200-day MA of 0.34, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 29.54 is Positive, neither overbought nor oversold. The STOCH value of 33.33 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% | |
54 Neutral | $11.42M | -5.57 | -25.73% | ― | 0.53% | 40.33% | |
46 Neutral | $8.56M | 1.71 | -142.62% | ― | -5.59% | 99.16% | |
46 Neutral | $7.17M | -472.72 | 542.13% | ― | -58.04% | 82.31% | |
45 Neutral | $11.98M | -0.18 | -46.76% | ― | -15.97% | -441.51% | |
44 Neutral | $15.05M | -1.25 | -510.20% | ― | 579.12% | 25.38% | |
41 Neutral | $163.59K | -0.52 | ― | ― | ― | ― |
* Technology Sector Average
APCX
AppTech
0.37
0.29
380.26%
BLIN
Bridgeline Digital
0.92
-0.69
-42.73%
TAOP
Taoping
1.30
-6.68
-83.66%
CETX
Cemtrex
0.82
-29.33
-97.30%
RVYL
Ryvyl
5.20
-15.90
-75.36%
HUBC
Hub
0.13
-1,916.12
-99.99%
AppTech Corporate Events
Business Operations and StrategyExecutive/Board Changes
AppTech Appoints Executive Chairman and Formalizes Executive Roles
Positive
May 8, 2026
On May 4, 2026, AppTech Payments Corp.’s board approved several leadership and governance changes, naming director Albert L. Lord as Executive Chairman and ending his status as an independent director, which also required his departure from ...
Business Operations and StrategyPrivate Placements and Financing
AppTech Raises Capital Through High-Cost Convertible Debt Financing
Negative
Apr 10, 2026
On April 3, 2026, AppTech Payments Corp. entered into securities purchase agreements with LendSpark Corporation and Manetto Hill Fund Series I, LLC, issuing each investor an 18% promissory note with a $500,000 principal amount at a discounted purc...
Business Operations and StrategyPrivate Placements and Financing
AppTech Expands Revenue Participation Financing Agreement With Ascendancy
Positive
Feb 19, 2026
On February 17, 2026, AppTech Payments Corp. amended its existing revenue participation agreement with Ascendancy Management, Inc., increasing Ascendancy’s total revenue participation contribution to $2 million, comprising $1.5 million paid ...
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.