AppTech Payments Corp. (APCX) vs OLB Group, Inc. (OLB)

AppTech Payments Corp. and OLB Group, Inc. are both Software Infrastructure companies. OLB Group, Inc. is the larger, with a market value of $13.7M against $9.7M — 1.4× the size. AppTech Payments Corp. grew revenue faster over the last twelve months: 563.5% against −32.5%. OLB Group, Inc. has the higher net margin (−68.2% vs −193.4%) and the higher return on invested capital (−54.9% vs −260.5%). Across the 17 metrics below, OLB Group, Inc. leads on 10 and AppTech Payments Corp. on 7.

Valuation

Metric APCX OLB Software Infrastructure median
P/E n/m n/m 28.38
P/S 1.47 0.86 2.98
P/B n/m 0.85 2.93
Price to free cash flow n/m n/m 16.28
EV/EBITDA n/m n/m 13.92
EV/Sales 1.98 0.83 2.90
Earnings yield (135.71%) (171.91%) 0.14%
Free cash flow yield (79.41%) (329.83%) 1.24%

Profitability

Metric APCX OLB Software Infrastructure median
Gross margin 54.84% 10.30% 61.00%
Operating margin (169.41%) (73.32%) 0.00%
Net margin (193.43%) (68.24%) 0.00%
Free cash flow margin (87.43%) (36.34%) 1.67%
Return on equity (735.65%) (70.79%) 0.60%
Return on assets (100.32%) (36.42%) 0.00%
Return on invested capital (260.53%) (54.91%) 0.00%

Growth

Metric APCX OLB Software Infrastructure median
Revenue growth (TTM) 563.52% (32.53%) 13.41%
EPS growth (last fiscal year) 34.84% 71.48% 27.10%
Revenue growth, 5-year CAGR 33.46% (2.34%) 15.57%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric APCX OLB Software Infrastructure median
Debt to equity (5.20) 0.00 0.05
Current ratio 0.14 0.40 1.55
Net debt to EBITDA (0.14) 0.00 0.08

Dividend

Metric APCX OLB Software Infrastructure median
Dividend yield — — 1.20%
Payout ratio — — 0.29

Size

Metric APCX OLB Software Infrastructure median
Market cap 9.65m 13.73m 752.37m

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