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AppTech Payments Corp.

APCX Technology Software Infrastructure

AppTech Payments Corp.’s revenue for fiscal 2025 (year ended December 2025) was $1.4 million, up 405.4% from fiscal 2024. In the quarter to June 2026, revenue grew 469.4%, EPS grew 66.7%, free cash flow grew 39.3% and total debt rose 3,633.3%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

0.14 0.01 −6.67%
Market cap
$9.7M
P/E
0.0×
Fwd P/E
−2.9×
Dividend yield
—
F-score
3/9
Altman Z
−28.71
Beneish M
0.43
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.50
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 2 1 — 4 2 — 1 2 1 7 1 —
Sell — — — — — — — — — — — —
Insider Ownership 45.41%

Capital & Financial Ratios $m

Market Cap 9.65
Revenue 4.00
Net Income (7.74)
Free Cash Flow (3.50)
Net Debt 2.06
Current Ratio 0.14 (below 1: weak)
Debt/Equity (5.20) (negative: negative equity)
P/E ratio 0.00
Fwd P/E (2.90) (negative: loss-making)
P/S ratio 1.47
P/B ratio 0.00
Past 5Y EPS Growth —
This Y EPS Growth 70.30% (at or above 15%: strong)
Next Y EPS Growth —
Next Y revenue growth 1,287.70% (at or above 10%: strong)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 2.0×, against a ten-year median of 31.9×; over the ten years it ranged from 2.0× in 2026 to 135× in 2023.
P/S against its own 10 years 0.06%
10-year low 10-year high
EV/Sales against its own 10 years 0.12%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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)
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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 0.30 1.23 5.00 0.95 2.00 6.50 3.27 5.37 2.30 0.66
People
People Employees — — — — 3 18 23 18 9 6
Revenue/emp, $m — — 0.00 0.00 0.11 0.02 0.02 0.03 0.03 0.23
Income, $m
Income, $m Revenue — — 0 0 0 0 0 1 0 1
Gross margin, % — — 57.29 60.33 57.39 57.63 51.11 62.90 81.16 55.27
EBT — — (3) (1) (4) (79) (16) (19) (9) (8)
EBT margin, % — — (989.40) (524.48) (1,270.80) (22,385.88) (3,618.00) (3,673.02) (3,236.59) (567.74)
Net income — — (3) (1) (4) (79) (16) (19) (9) (8)
Depreciation — — 0 0 0 0 0 1 2 2
Per share, $
Per share, $ Revenue — — 0.03 0.03 0.04 0.30 0.03 0.03 0.01 0.04
Earnings — — (0.27) (0.15) (0.45) (66.20) (1.00) (1.01) (0.34) (0.23)
Cash flow — — (0.02) (0.09) (0.06) (1.52) (0.50) (0.46) (0.29) (0.14)
Capex — — 0.00 0.00 0.00 (0.98) (0.11) 0.00 (0.04) 0.00
Free cash flow — — (0.02) (0.09) (0.06) (2.51) (0.61) (0.46) (0.34) (0.14)
Book value — — (0.77) (0.84) (0.90) 0.04 0.46 0.22 0.22 0.05
Shares, m — — 9 9 9 1 16 19 25 35
Valuation, ×
Valuation, × P/E — — 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
P/S — — 0.00 22.59 24.87 4.43 86.65 79.60 47.68 7.50
P/B — — 0.00 0.00 0.00 35.64 5.25 9.57 2.41 5.53
EV/Sales — — 0.00 22.49 24.90 4.60 79.10 77.18 44.75 8.08
EV/FCF — — 0.00 (7.57) (13.88) (0.54) (3.56) (3.70) (1.43) (1.86)
Cash, $m
Cash, $m Operating cash flow — — 0 (1) (1) (2) (8) (9) (7) (5)
Capex — — — — — (1) (2) — (1) —
Free cash flow — — 0 (1) (1) (3) (10) (9) (9) (5)
Balance, $m
Balance, $m Working capital — — (7) (7) (8) (7) (1) (3) (1) (6)
Total debt — — 3 3 0 0 0 0 0 1
Net debt — — 3 0 0 0 (3) (1) (1) 1
Shareholders’ equity — — (7) (7) (8) 0 7 4 5 2
Returns, %
Returns, % ROA — — 0.00 (2,313.87) (1,802.54) (1,996.93) (162.19) (184.70) (103.21) (86.19)
ROIC — — 0.00 0.00 0.00 (46,917.48) (251.83) (402.64) (128.04) (174.92)
ROE — — 0.00 18.54 53.55 1,944.50 (436.02) (331.81) (185.24) (215.22)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

AppTech Payments Corp. vs peers in Software Infrastructure (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
OLB OLB Group, Inc. $13.7M — (loss-making) — (loss-making) −43.57% (below 0%: shrinking) n/m −3.87% (below 0%: shrinking) 16.86% (98.48%) Compare
BTLN Brightline Interactive, Inc. $13.6M — (loss-making) 9.8× −72.03% (below 0%: shrinking) n/m −498.33% (below 0%: shrinking) 72.41% 8.76% Compare
RKTO Rocket One Inc. $13.4M — (loss-making) — — n/m −25.12% (below 0%: shrinking) 0.00% 0.00% Compare
HPAI Helport AI Limited $11.7M 1.0× — — −57.14% (below 0%: shrinking) −131.67% (below 0%: shrinking) — — Compare
ALAR Alarum Technologies Ltd. Sponsored ADR $10.2M 8.3× 11.3× +64.18% (above 0%: growing) +33.33% (above 0%: growing) −4,208.00% (below 0%: shrinking) 61.73% 6.91% Compare
APCX AppTech Payments Corp. $9.7M — (loss-making) — (loss-making) +469.42% (above 0%: growing) n/m +39.33% (above 0%: growing) 53.41% (53.59%)
BLIN Bridgeline Digital, Inc. $9.1M — (loss-making) — (loss-making) +1.98% (above 0%: growing) n/m +116.14% (above 0%: growing) 64.48% (11.98%) Compare
DTSS Datasea Intelligent Technology Ltd. $9.1M — (loss-making) 48.4× −36.47% (below 0%: shrinking) n/m +86.96% (above 0%: growing) 9.18% (3.98%) Compare
CISO CISO Global, Inc. $8.0M — (loss-making) — (loss-making) −13.73% (below 0%: shrinking) n/m +97.08% (above 0%: growing) 24.57% (25.68%) Compare
Median of peers $11.0M — 11.3× −25.10% — −14.49% 24.57% (3.98%)

All 173 Software Infrastructure stocks →

AppTech Payments Corp. (APCX) key facts

  • Strength: AppTech Payments Corp.’s revenue for fiscal 2025 (year ended December 2025) was $1.4 million, up 405.4% from fiscal 2024.
  • AppTech Payments Corp. (APCX) is a Software Infrastructure company in the Technology sector.
  • As of October 16, 2026, APCX traded at $0.14, a market capitalization of $9.7 million.
  • Return on equity was −215.2% and debt-to-equity -5.20.
  • Its Piotroski F-score is 3 out of 9 and its Altman Z-score is −28.71 (distress zone) for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

AppTech Payments Corp. (APCX) Latest News

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