AppTech Payments Corp. APCX

0.24 (0.01) (4.00%) as of 25 Sep
Market cap
$9.7M
P/E
0.0×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 1.50
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 2 1 — 4 2 — 1 2 1 7 1
Sell — — — — — — — — — — — —
Insider Ownership 45.41%

Capital & Financial Ratios

Market Cap 9.65
Revenue 4.00
Net Income (7.74)
Free Cash Flow (3.50)
Net Debt 2.06
Current Ratio 0.14
Debt/Equity (5.20)
P/E ratio 0.00
P/S ratio 2.52
P/B ratio 0.00
Past 5Y EPS Growth (18.55%)
This Y EPS Growth 70.30%
Next Y EPS Growth —
Next 5Y EPS Growth —
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 1 1 0 0
Receivables 0 0 0 1
Inventory — — — —
Other — 1 0 0
2 2 1 1
2023 2024 2025 Q'26
Payables 2 2 3 2
ST’ Debt — — — —
Other — — 1 1
4 3 6 7
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 33.46% 45.81%
Cash Flow — 0.00% 0.00%
Earnings — 0.00% 0.00%
Book Value — 0.00% (36.59%)

Revenue

Mar Jun Sep Dec Year
’26 1 2 — — —
’25 0 0 0 1 1
’24 0 0 0 0 0
’23 0 0 0 0 1
’22 0 0 0 0 0
’21 0 0 0 0 0
’20 0 0 0 0 0
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (1) (1) — — —
’25 (2) (1) (1) (1) (5)
’24 (2) (2) (1) (2) (7)
’23 (3) (2) (1) (2) (9)
’22 (3) (2) 0 (2) (8)
’21 0 0 0 (1) (2)
’20 0 0 0 0 (1)
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (1) (1) — — —
’25 (2) (1) (1) (1) (5)
’24 (2) (2) (2) (3) (9)
’23 (3) (2) (1) (2) (9)
’22 (3) (2) (2) (2) (10)
’21 (1) (1) 0 (1) (3)
’20 0 0 0 0 (1)
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 (0.08) (0.02) — — —
’25 (0.08) (0.06) (0.05) (0.04) (0.23)
’24 (0.13) (0.12) (0.08) (0.02) (0.35)
’23 (0.22) (0.49) (0.15) (0.15) (1.01)
’22 (0.35) (0.25) (0.17) (0.28) (1.00)
’21 (6.52) (0.59) (0.23) (58.86) (66.20)
’20 (0.16) (0.04) (0.12) (0.14) (0.46)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
0.03 0.03 0.25 0.10 0.15 0.65 0.40 1.14 0.31 0.06

Analyst estimates 2026–2028

Powerpack
Low Price
0.30 1.23 5.00 0.95 2.00 6.50 3.27 5.37 2.30 0.66
High Price
— — — — 3 18 23 18 9 6
Employees
— — 0 0 0 0 0 0 0 0
Revenue/Emp
— — 0 0 0 0 0 1 0 1
Revenue
— — 57.29% 60.33% 57.39% 57.63% 51.11% 62.90% 81.16% 55.27%
Gross Margin
— — (3) (1) (4) (79) (16) (19) (9) (8)
EBT
— — (989.40%) (524.48%) (1,270.80%) (22,385.88%) (3,618.00%) (3,673.02%) (3,236.59%) (567.74%)
EBT Margin
— — (3) (1) (4) (79) (16) (19) (9) (8)
Net Income
— — 0 0 0 0 0 1 2 2
Depreciation
— — 0.03 0.03 0.04 0.30 0.03 0.03 0.01 0.04
Revenue/Sh
— — (0.27) (0.15) (0.45) (66.20) (1.00) (1.01) (0.34) (0.23)
Earnings/Sh
— — (0.02) (0.09) (0.06) (1.52) (0.50) (0.46) (0.29) (0.14)
Cash Flow/Sh
— — 0.00 0.00 0.00 (0.98) (0.11) 0.00 (0.04) 0.00
Capex/Sh
— — (0.02) (0.09) (0.06) (2.51) (0.61) (0.46) (0.34) (0.14)
Free CF/Sh
— — (0.77) (0.84) (0.90) 0.04 0.46 0.22 0.22 0.05
Book Value/Sh
— — 9 9 9 1 16 19 25 35
Shares
— — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
PE Ratio
— — 0.00 22.59 24.87 4.43 86.65 79.60 47.68 7.50
PS Ratio
— — 0.00 0.00 0.00 35.64 5.25 9.57 2.41 5.53
PB Ratio
— — 0.00 22.49 24.90 4.60 79.10 77.18 44.75 8.08
EV/Sales
— — 0.00 (7.57) (13.88) (0.54) (3.56) (3.70) (1.43) (1.86)
EV/FCF
— — 0 (1) (1) (2) (8) (9) (7) (5)
Op' Cash Flow
— — — — — (1) (2) — (1) —
Capex
— — 0 (1) (1) (3) (10) (9) (9) (5)
FCF
— — (7) (7) (8) (7) (1) (3) (1) (6)
Working Cap'
— — 3 3 0 0 0 0 0 1
Total Debt
— — 3 0 0 0 (3) (1) (1) 1
Net Debt
— — (7) (7) (8) 0 7 4 5 2
Sh' Equity
— — 0.00% (2,313.87%) (1,802.54%) (1,996.93%) (162.19%) (184.70%) (103.21%) (86.19%)
ROA
— — 0.00% 0.00% 0.00% (46,917.48%) (251.83%) (402.64%) (128.04%) (174.92%)
ROIC
— — 0.00% 18.54% 53.55% 1,944.50% (436.02%) (331.81%) (185.24%) (215.22%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

AppTech Payments Corp. (APCX) key facts

  • AppTech Payments Corp. (APCX) is a Software Infrastructure company in the Technology sector.
  • AppTech Payments Corp.’s revenue for fiscal 2025 (year ended December 2025) was $1.4 million, up 405.4% from fiscal 2024.
  • As of September 25, 2026, APCX traded at $0.24, a market capitalization of $9.7 million.
  • Return on equity was −215.2% and debt-to-equity -5.20.

Source: company filings (standardised) and stockrow calculations.

AppTech Payments Corp. (APCX) Latest News

News by impact score

Fine-tune

29 Jul

3

AppTech Payments Corp. reports second quarter 2026 operating results. Quarterly results reveal financial performance metrics that can moderately affect valuation and sentiment.

8 May

4

AppTech Payments Corp. (APCX) appoints Albert L. Lord, former CEO of Sallie Mae, as Executive Chairman and adds Robert L. Lipstein, CEO of CSI, to its Board of Directors in a correcting and replacing announcement. Appointing a high-profile financial executive as Chairman and an industry CEO to the board signals major strategic leadership upgrades for APCX's payments growth.

7 May

4

AppTech Payments Corp. (APCX) appointed Albert L. Lord, former Sallie Mae President and CEO, as Executive Chairman and added Robert L. Lipstein, experienced financial services director, to its Board of Directors. Appointment of fintech veteran Albert L. Lord as Executive Chairman introduces major leadership expertise likely to enhance strategic direction and investor confidence.

3

Sidoti Events, LLC releases presentation schedule for May Micro-Cap Conference. The conference may moderately influence AppTech Payments Corp.'s future performance and market sentiment.

16 Apr

4

AppTech Payments Corp. (APCX) reported Q1 operating results. Q1 operating results reveal key financial metrics that can significantly sway APCX's market performance and investor confidence.

20 Jan

4

AppTech Payments Corp. reported strong revenue growth in Q4, highlighting a significant increase in financial performance. Additionally, the company secured a strategic investment of $1.5 million, which is expected to bolster its operations and market position. The strategic investment and revenue growth are likely to significantly enhance the company's market position and future performance.

6 Nov

4

AppTech Payments Corp. reported its Q3 2025 financial results, highlighting significant revenue growth and strategic developments aimed at enhancing its market position. The company emphasized advancements in its payment solutions and partnerships that are expected to drive future growth. Management expressed optimism about upcoming product launches and market expansion efforts, which are anticipated to strengthen the company's competitive edge. Significant strategic developments and revenue growth are likely to impact future performance and investor sentiment.

5 Nov

4

AppTech Payments Corp. (APCX) has announced the strategic acquisition of Infinitus Pay, a move aimed at enhancing its payment solutions and expanding its market presence. This acquisition is expected to bolster AppTech's capabilities in digital payment processing and improve its competitive positioning in the fintech sector. The integration of Infinitus Pay's technology and expertise is anticipated to drive innovation and growth for AppTech, aligning with its long-term strategic goals. The acquisition of Infinitus Pay is a significant strategic move that is likely to enhance AppTech's market position and growth potential.

14 Aug

4

AppTech Payments Corp. reported its Q2 2025 financial results, highlighting significant revenue growth and strategic developments aimed at enhancing its market position. The company emphasized advancements in its payment solutions and partnerships that are expected to drive future growth. Management expressed optimism about upcoming product launches and market expansion efforts, which are anticipated to strengthen the company's competitive edge. Significant revenue growth and strategic developments indicate a strong potential for altering the company's trajectory and investor sentiment.

4

AppTech Payments Corp. reports positive Q2 financial results with revenue decrease but significant improvement in operating expenses and net loss. Company highlights strategic progress and recent business achievements. The article describes significant strategic partnerships, successful pilot programs, and the launch of new platforms that are expected to have a profound influence on the company's long-term prospects.

22 May

3

AppTech Payments Corp. board member disclosed a significant purchase of common stock, indicating confidence in the company's future prospects. This move may influence investor sentiment and reflects a commitment to the company's growth strategy. A board member's significant stock purchase can positively influence market sentiment and investor confidence.

20 May

3

AppTech Payments Corp. has been notified by Nasdaq of its delisting due to noncompliance with Listing Rule 5550(a)(2), effective May 20, 2025. The company's common stock and warrants will now trade on the OTCQB® market tier under symbols APCX and APCXW. CEO Tom DeRosa expressed disappointment but remains focused on growth. Additionally, Luke D’Angelo resigned as Chairman and Virgilio Llapitan resigned as President and COO, both without disagreements regarding company operations. AppTech will continue to file required reports with the SEC. The delisting from Nasdaq and executive departures may moderately influence investor sentiment and operational focus.

15 May

4

AppTech Payments Corp. reports strong Q1 financial results with revenue growth and cost management. Financial improvements and strategic partnerships are expected to significantly impact the company's trajectory.

3

AppTech Payments Corp. reported its Q1 2025 financial results, showing an operating loss of $2.6 million, an improvement from a $3.0 million loss in Q1 2024. The cash basis loss also decreased to $1.8 million from $2.2 million in the previous year. CFO Felipe Corrado stated that efforts to enhance financial position are yielding results, with a focus on revenue expansion and cost efficiency. AppTech provides digital financial services through a scalable cloud-based platform. The financial improvements indicate a moderately noticeable influence on the company's performance and market sentiment.

23 Apr

4

AppTech Payments has launched its CoreBanking solution integrated with the FINZEO Platform, marking its entry into digital banking. The solution aims to improve operational efficiency for banks and includes features like digital onboarding and risk management. AppTech has onboarded its first banking client and expects to generate $40,000 in revenue within the first week, with monthly revenue projected to exceed $500,000 by the end of 2025. The company anticipates rapid adoption among community banks and plans for growth through new partnerships and product launches. CEO Thomas DeRosa emphasized the transformative potential of the CoreBanking solution. The launch of the CoreBanking solution represents a significant strategic move that could alter AppTech's market position and revenue streams.

22 Apr

4

AppTech Payments Corp. has launched a groundbreaking CoreBanking solution aimed at enhancing its client offerings and driving significant growth. The innovative platform is expected to streamline banking operations and improve customer experiences, positioning AppTech for substantial market expansion. With this development, the company anticipates a surge in demand for its services, potentially transforming its competitive landscape. The introduction of a revolutionary CoreBanking solution is likely to significantly impact AppTech's market position and growth trajectory.

17 Apr

4

AppTech Payments Corp. (NASDAQ: APCX) has launched its Lending Integrations and Processing Platform, expecting significant growth as partners onboard their networks. The company aims to exceed 250,000 transactions per month and is optimistic about achieving cash break-even by year-end, according to CEO Thomas DeRosa. The launch of a new platform and the anticipated increase in transaction volume are likely to significantly impact the company's future performance and market position.

2 Apr

3

AppTech Payments Corp. (NASDAQ: APCX) reported a net loss of US$8.92 million for the full year 2024, a 54% improvement from FY 2023, with a loss per share of US$0.35 compared to US$1.01 in the previous year. Despite these improvements, shares have declined by 6.8% over the past week. The company faces four warning signs, two of which are concerning. The narrowing of losses indicates some operational improvement, but ongoing risks may limit overall positive impact.

7 Mar

4

AppTech Payments Corp. reported a Q4 2024 operating loss of $2.1 million, an improvement from a $3.4 million loss in Q4 2023. For the full year, the operating loss was $8.8 million compared to $18.5 million in 2023. Significant organizational changes occurred, including a $5 million investment from a new investor group, which gained voting control of the Board and replaced key executives. The new CFO highlighted improvements in capital position and expense reduction, focusing on profitable customers. The company plans to file its 2024 Form 10K on March 31, 2025. The organizational changes and new investment are likely to significantly impact the company's future performance and investor sentiment.

18 Feb

4

AppTech Payments Corp. has received an extension from the Nasdaq Hearings Panel to continue its listing, contingent upon meeting specific conditions, including filing a public disclosure by March 31, 2025, regarding its shareholders' equity deficiency. The company must also regain compliance with Nasdaq's $1 minimum bid price requirement by May 5, 2025. CEO Thomas DeRosa expressed gratitude for the support from Nasdaq and emphasized the company's commitment to meeting listing requirements. AppTech is focused on generating significant revenue and enhancing shareholder value through recent restructuring efforts. The extension granted by Nasdaq and the company's commitment to meet listing requirements could significantly influence its market performance and investor sentiment.

18 Dec

4

AppTech Payments Corp. (APCX) raised $5M in common equity from AFIOS Partners, reducing its Board to five members and appointing new directors. The $5M common equity raise and board restructuring are significant strategic moves that could alter the company's trajectory.

17 Dec

4

AppTech Payments Corp. raised $5 million in common equity, with potential for an additional $14 million from warrants. Three new board members were appointed, and four resigned. The $5 million common equity raise and potential for additional $14 million from warrants, along with significant board member changes, are likely to have a significant impact on AppTech Payments Corp.'s future and market performance.

17 Nov

3 earnings

AppTech Payments Corp. reported a loss of US$0.078 per share in the third quarter of 2024, an improvement from the US$0.15 loss in the same period in 2023. The improved financial performance may have a moderately noticeable influence on the company's future trajectory.

15 Nov

3

AppTech Payments Corp. (APCX) reports third quarter 2024 results and provides business update. May affect financial performance and competitive positioning.

10 Oct

4

PayToMe.co, an AI-driven fintech marketplace, joins North American Partner Conference hosted by US Bank to expand strategic partnerships and accelerate fintech growth. The article highlights significant strategic partnerships and growth opportunities for AppTech Payments Corp. (APCX) through its collaboration with PayToMe.co.

4

PayToMe.co, an AI-driven fintech marketplace, joins Startupbootcamp, one of the world's top accelerators, showcasing innovation and commitment to financial inclusion. The article highlights PayToMe's innovative approach and strategic partnerships, which could significantly impact AppTech Payments Corp.'s future and market performance.

18 Sep

4

AppTech Payments Corp. announces partnership with a new strategic partner with 40,000 clients and highlights recent growth milestones. The partnership and growth milestones are expected to significantly impact the company's future trajectory and market performance.

11 Jun

4

AppTech Payments Corp. partners with FISB Solutions to upgrade legacy banking systems for over 200 community banks, empowering them with neobank technologies. The strategic partnership with FISB Solutions to modernize legacy banking systems for community banks is a significant move that can reshape AppTech's competitive positioning and market reach.

16 May

4

AppTech Payments Corp. successfully launches its Banking-as-a-Service platform for InstaCash. The launch of InstaCash with BaaS platform is a significant strategic move that can reshape the specialty payments landscape and drive user growth.

2 May

3

AppTech Payments Corp. CEO to present at Sidoti Virtual Investor Conference on May 8-9. The presentation at the conference may moderately influence investor sentiment and financial performance.

stockrow.com/APCX · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com