AppTech (APCX) AI Stock Analysis

• Market Cap: $8.15M
• Dividend Yield: N/A
• Average Volume (3M): 32.58K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.45
• Revenue Growth: 30.52%
• EPS Growth: 56.70%
• Country: US
• Employees: 9
• Sector: Technology
• Sector Strength: 85
• Industry: Software - Infrastructure
• EPS (TTM): -0.06
• Shares Outstanding: 33,988,934
• 10 Day Avg. Volume: 30,203
• 30 Day Avg. Volume: 32,578
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 13.71
• Enterprise Value/Gross Profit: 24.24
• Enterprise Value/Ebitda: -1.53
• 1Y Price Target: $0.50
• Price Target Upside: 108.33% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 46 Neutral
• Price Target: $0.00 ▼(-100.00% Downside)

AppTech's overall stock score is primarily impacted by its weak financial performance and valuation concerns. The company's negative revenue growth and persistent losses are significant risks. Technical analysis provides a neutral outlook, but the lack of earnings call data and corporate events limits additional insights.

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 contactless payments, such as credit cards, automatic clearing house, wireless payments, and others. In addition, the company offers integrated solutions for frictionless digital and mobile payment acceptance, including acceptance of alternative payment methods, as well as multi-use case, multi-channel, API-driven, and account-based issuer processing for card, digital tokens, and payment transfer transaction services. The company was formerly known as AppTech Corp. AppTech Payments Corp. was incorporated in 1998 and is headquartered in Carlsbad, California.

How the Company Makes Money

AppTech generates revenue through multiple streams, primarily from transaction fees charged to merchants for using its payment processing services. Each time a transaction is processed through its platform, AppTech receives a percentage of the total transaction amount. Additionally, the company offers subscription-based services for businesses that require advanced features and analytics, creating a recurring revenue model. AppTech may also partner with financial institutions, offering them white-label solutions that enhance their digital payment offerings, which can lead to revenue sharing agreements. As consumer adoption of digital payments continues to grow, AppTech benefits from increased transaction volumes and expands its market presence, driving further earnings.

AppTech Financial Statement Overview

Summary

AppTech faces significant challenges with profitability and cash generation, despite improvements in equity and low leverage. Negative revenue growth and persistent net losses indicate operational struggles.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	603.00K	276.00K	504.00K	450.00K	353.82K	329.50K
Gross Profit	341.00K	224.00K	317.00K	230.00K	204.38K	189.13K
EBITDA	-5.40M	-6.86M	-17.48M	-15.46M	-76.14M	-3.85M
Net Income	-7.47M	-8.93M	-18.51M	-16.28M	-79.25M	-4.19M
Balance Sheet
Total Assets	6.49M	8.99M	8.35M	12.52M	7.56M	379.69K
Cash, Cash Equivalents and Short-Term Investments	138.00K	868.00K	1.28M	3.46M	8.03K	57.50K
Total Debt	665.00K	147.00K	158.00K	2.02M	2.09M	3.20M
Total Liabilities	3.95M	3.52M	4.16M	5.09M	7.51M	8.57M
Stockholders Equity	2.54M	5.47M	4.19M	7.42M	44.00K	-8.19M
Cash Flow
Free Cash Flow	-7.16M	-7.46M	-8.86M	-9.99M	-3.00M	-591.39K
Operating Cash Flow	-6.64M	-7.46M	-8.86M	-8.20M	-1.82M	-591.39K
Investing Cash Flow	-1.16M	-1.16M	-500.00K	-1.79M	-1.18M	5.91K
Financing Cash Flow	7.92M	8.20M	7.18M	13.44M	2.96M	618.81K

AppTech Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.24
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 0.24 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 0.37, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 43.07 is Neutral, neither overbought nor oversold. The STOCH value of 27.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for APCX.

AppTech Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$35.62B	8.22	-10.94%	1.88%	8.86%	-10.36%
SOS	50 Neutral	$5.07M	―	-3.14%	―	147.92%	-1754.67%
DTSS	48 Neutral	$16.99M	―	-501.24%	―	141.65%	60.23%
APCX	46 Neutral	$8.15M	―	-349.71%	―	30.52%	56.70%
BNAI	45 Neutral	$13.46M	―	-254.58%	―	20.51%	30.55%
RVYL	39 Underperform	$10.08M	―	-2201.06%	―	-33.86%	74.09%
FAAS	―	$15.25M	―		―	―	―

AppTech Corporate Events

AppTech Enters Securities Purchase Agreement with GS Capital

On August 7, 2025, AppTech Payments Corp. entered into a Securities Purchase Agreement with GS Capital Partners, LLC, issuing a promissory note for $300,000. The note, which matures on July 31, 2026, includes a 10% annual interest rate and offers GS Capital the option to convert the note into common stock at a fixed price. This agreement, containing various default provisions and restrictions, could impact AppTech’s financial flexibility and shareholder value.

AppTech Secures $360,000 Promissory Note Agreement

On July 23, 2025, AppTech Payments Corp. entered into a Securities Purchase Agreement with Labrys Fund II, L.P., issuing a $360,000 promissory note with a $60,000 original issue discount. This agreement provides AppTech with $300,000 in gross proceeds and includes terms for conversion into common stock, interest rates, and default conditions, potentially impacting the company’s financial operations and market strategy.

AppTech Enters Securities Purchase Agreement with Investor

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.