AppTech Payments Corp. (APCX) vs Azio AI Holdings, Inc. (AZIO)

AppTech Payments Corp. and Azio AI Holdings, Inc. are both Software Infrastructure companies. Azio AI Holdings, Inc. is the larger, with a market value of $11.5M against $9.7M — 1.2× the size. AppTech Payments Corp. grew revenue faster over the last twelve months: 563.5% against 241.6%. AppTech Payments Corp. has the higher net margin (−193.4% vs −331.8%) and the lower return on invested capital (−260.5% vs 0.00%). Across the 17 metrics below, AppTech Payments Corp. leads on 12 and Azio AI Holdings, Inc. on 5.

Valuation

Metric APCX AZIO Software Infrastructure median
P/E n/m n/m 24.52
P/S 1.15 0.84 2.78
P/B n/m n/m 2.84
Price to free cash flow n/m n/m 18.22
EV/EBITDA n/m n/m 13.98
EV/Sales 1.67 1.83 2.92
Earnings yield (172.73%) (907.41%) 0.00%
Free cash flow yield (101.07%) (176.25%) 0.37%

Profitability

Metric APCX AZIO Software Infrastructure median
Gross margin 54.84% (130.00%) 57.91%
Operating margin (169.41%) (321.91%) 0.00%
Net margin (193.43%) (331.79%) 0.00%
Free cash flow margin (87.43%) (148.12%) 0.00%
Return on equity (735.65%) 944.10% 0.00%
Return on assets (100.32%) (159.61%) 0.00%
Return on invested capital (260.53%) 0.00% 0.00%

Growth

Metric APCX AZIO Software Infrastructure median
Revenue growth (TTM) 563.52% 241.58% 14.42%
EPS growth (last fiscal year) 34.84% (109.82%) 17.35%
Revenue growth, 5-year CAGR 33.46% 131.82% 16.15%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric APCX AZIO Software Infrastructure median
Debt to equity (5.20) (0.75) 0.02
Current ratio 0.14 0.15 1.53
Net debt to EBITDA (0.14) (0.01) 0.05

Dividend

Metric APCX AZIO Software Infrastructure median
Dividend yield — — 1.04%
Payout ratio — — 0.29

Size

Metric APCX AZIO Software Infrastructure median
Market cap 9.65m 11.54m 606.60m

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