Companies ›Information Technology ›APCX

APCX — OTC Software

AppTech Payments Corp.

$0,33

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Mcap

13,8M USD

P/E

—

EV / Rev

—

Div yield

—

Op margin

-543,3 %

ROE

-2 666,7 %

Net margin

-567,7 %

Debt / equity

—

Beta

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52w range

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Volume

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Day range

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Prev close

$0,33

Open

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Next earnings

2026-07-28

Ex-dividend

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TR 1Y

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About

AppTech Payments Corp. develops proprietary application software for Banking-as-a-Service (BaaS) and digital commerce, targeting merchants, banking institutions, and business enterprises.

Business. AppTech Payments Corp. (APCX) is a software company that develops application software, primarily operating within the Technology sector's Software & IT Services industry. The firm generates revenue through a subscription-based model, aligning with standard SaaS business practices. AppTech Payments is headquartered in the United States and its shares are listed on the OTC market under the ticker symbol APCX. Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification98 %

SectorTechnology

Business sectorSoftware & IT Services

IndustrySoftware

ActivityApplication Software

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

EarningsQ2 2026 earnings (expected)2026-07-28 · estimated

See all catalysts →

At a glance

Score→

composite score

Valuation

—

valuation pending

Analysts

—

not yet wired

Ownership

—

not yet wired

quality score (0-100)

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning APCX.

Sector rotation

Sector1D1Mvs mkt

Materials+2,0 %+0,9 %+2,3 %

Energy+1,3 %+5,3 %+1,6 %

Health Care+0,7 %−0,6 %+1,0 %

Consumer Discretionary+0,4 %+5,9 %+0,7 %

Information Technology · THIS SECTOR−0,2 %+4,7 %+0,1 %

Financials−0,3 %−4,0 %+0,0 %

Real Estate−0,7 %+10,9 %−0,4 %

Consumer Staples−0,8 %+3,7 %−0,5 %

Utilities−1,5 %−21,2 %−1,2 %

Industrials−1,7 %−2,5 %−1,3 %

Communication Services———

Developing storylines

No tracked sagas currently linked to APCX. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-07-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ2 2026 earnings (expected)2026-07-28 · estimated
Peers
EarningsQ2 2026 earnings (expected)2026-07-28 · estimated · ServiceNow (NOW)
EarningsQ2 2026 earnings (expected)2026-08-28 · estimated · Salesforce (CRM)
Macro
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-07-08 · AU
Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Score breakdown19

Sentiment+30

Risk penalty−11

Missing signals−3

Synthesis

Business

AppTech Payments Corp. (APCX) is a software company that develops application software, primarily operating within the Technology sector's Software & IT Services industry. The firm generates revenue through a subscription-based model, aligning with standard SaaS business practices. AppTech Payments is headquartered in the United States and its shares are listed on the OTC market under the ticker symbol APCX. Specific details regarding operating segments or geographic revenue breakdowns are not available.

Classification98 %

SectorTechnology

Business sectorSoftware & IT Services

IndustrySoftware

ActivityApplication Software

AI synthesis

GENERATED

AppTech Payments Corp. exhibits a fragile capital structure characterized by severe liquidity constraints and negative equity returns. The company reports a current ratio of 0.16, indicating that current liabilities significantly exceed current assets. Total equity stands at $297,000 against total liabilities of $8,839,000, resulting in a debt-to-equity ratio reported as 0.0 in the valuation snapshot, likely due to the negative or near-zero equity base distorting the metric. Operating cash flow is negative at -$913,000 for the period, reinforcing the high liquidity risk flag.

Profitability metrics are deeply negative, with a return on equity of -26.67% and a return on assets of -0.87%. The company generated $1,457,000 in revenue but incurred an operating loss of -$2,848,000 and a net loss of -$3,308,000 in Q1 2026. Gross profit was $811,000, suggesting that while the core software margin may be positive, operating expenses and investment costs far outstrip top-line growth. These returns are substantially below typical industry medians for established software firms, reflecting the company's early-stage, loss-making status.

Key takeaways

Severe liquidity crisis with a current ratio of 0.16 and negative operating cash flow of -$913,000.
High dilution risk evidenced by consistent share issuances and warrant exercises to fund operations.
Going-concern doubts explicitly disclosed in filings due to recurring losses and limited revenue.
Revenue of $1.46M is insufficient to cover operating expenses, resulting in a net loss of -$3.31M.
Strategic focus on BaaS and digital commerce for banks and merchants, but execution risks remain high.

Bull / Bear case

Generated · model-assisted

BULL CASE · 2

The company maintains a zero debt-to-equity ratio, avoiding interest expenses and leverage risks common in peers.

Gross profit increased to $771,000 in FY2025, suggesting potential for operating leverage as revenue scales.

BEAR CASE · 3

A current ratio of 0.14 indicates critical liquidity risk, with current liabilities vastly exceeding current assets.

Operating margin of -5.4% places the company in the bottom quartile among 825 software peers.

Negative book value of $6.5 million reflects accumulated losses that erode shareholder equity and financial stability.

In focus — financials by report

Quarterly

Annual

QUARTERLYFiled 2026-03-31

Q4 2025 · Quarter highlights

Revenue $1.5M; Operating income -$2.8M.

Revenue$1.5M

Operating income-$2.8M

Net income-$3.3M

Free cash flow—

EPS—

Operating cash flow-$913.0k

Financials

Income statement

Revenue$1.5M

Gross profit$811.0k

Operating income-$2.8M

Net income-$3.3M

Margins

Gross margin55.7%

Operating margin-195.5%

Net margin-227.0%

FCF margin—

Balance sheet

Total assets$9.1M

Total liabilities$8.8M

Total equity$297.0k

Cash & equivalents—

Long-term debt—

Cash flow

Operating cash flow-$913.0k

CapEx—

Free cash flow—

SBC$1.7M

P&L flow · revenue → net income

Highlights

▍Revenue $1.5M
▍Operating income -$2.8M
▍Net margin -227.0%

Valuation FY

Market price

$0,33

Market cap

$13.8M

Enterprise valueⓘ

—

P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

-$6.5M

Net cashⓘ

—

Current ratioⓘ

0.2

Debt / equityⓘ

—

ROAⓘ

-86.7%

ROEⓘ

-26.7%

Cash conversionⓘ

62.0%

CapEx / revenueⓘ

—

SBC / revenueⓘ

70.3%

Dilution ratioⓘ

-0.6%

Revenue by segment

Payments-as-a-Service12,5 %

low · business_description · 2026-07-04

Cross-Border Payments—

low · business_description · 2026-07-04

Treasury Management & BaaS—

low · business_description · 2026-07-04

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

Peer comparison8 peers · vs APCX · multiples and returns

INTU—

INTUIT INC.

$275,35

76,1B USD

P/E

39,7x

— vs self

Div yield

1,2 %

— vs self

ROE

12,7 %

+2 679,4 vs self

FIS—

Fidelity National Info Serv

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

HOOD—

ROBINHOOD MARKETS, INC.

$111,98

100,8B USD

P/E

353,0x

— vs self

Div yield

—

— vs self

ROE

2,6 %

+2 669,3 vs self

CHYM—

Chime Financial Inc

$20,79

7,9B USD

P/E

—

— vs self

Div yield

—

— vs self

ROE

-72,0 %

+2 594,6 vs self

PSFE—

Paysafe Ltd

$6,87

352,1M USD

P/E

—

— vs self

Div yield

—

— vs self

ROE

-27,9 %

+2 638,8 vs self

PGY—

Pagaya Technologies Ltd

$17,79

1,5B USD

P/E

13,0x

— vs self

Div yield

—

— vs self

ROE

16,0 %

+2 682,6 vs self

PAY—

Paymentus Holdings Inc

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

XYF—

XYF

$4,94

—

P/E

—

— vs self

Div yield

—

— vs self

ROE

—

— vs self

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

— missing data

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskMedium

Liquidity riskHigh

Filing-based flags

Current liabilities exceed current assets.
Filings reference going-concern or substantial-doubt language.
Source documents mention dilution or offering risk.

Benchmarks vs cohort

Op Margin-543,3 %Bottom quartile

Net Margin-567,7 %Bottom quartile

ROE-2 666,7 %Bottom quartile

D/E0,00Above median

Cash Conv0,62Below median

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

Derivative transactions

Net acquired 2 500 000 sh2 grants1 insiders

LORD ALBERT LDirector · Firm Warrant 6 → Common StockAcquired 1 000 000 @ $0,90grant · 2025-10-31
LORD ALBERT LDirector · Firm Warrant 7 → Common StockAcquired 1 500 000 @ $1,20grant · 2025-10-31

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Regulatory filings
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data
Reference data

How metrics are computed

Return On Equity
net_income / total_equity
Market Price
input from market-data provider (delayed close or quote-shim mid)
Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Market Cap
market_price * shares_outstanding_diluted
Return On Assets
net_income / total_assets
Debt To Equity
(short_term_debt + long_term_debt) / total_equity

Source documents

AppTech Payments Corp. company facts · 2026-07-04
AppTech Payments Corp. 10-Q 2026-05-15 · 2026-07-04
AppTech Payments Corp. 10-K 2026-03-31 · 2026-07-04
AppTech Payments Corp. 10-Q 2025-11-13 · 2026-07-04
AppTech Payments Corp. 10-Q 2025-08-14 · 2026-07-04
8-K (sec_8k_material) on APCX · 2026-07-04

Ownership & reference

Insider activity

Net buying26 buys · 0 sellsnet $1,3M4 insiders · last 365d

LORD ALBERT LDirector · Common StockBought 17 120 @ $0,50$9K · 2026-06-08
LORD ALBERT LDirector · Common StockBought 70 000 @ $0,49$34K · 2026-06-04
LORD ALBERT LDirector · Common StockBought 70 000 @ $0,48$34K · 2026-06-03
LORD ALBERT LDirector · Common StockBought 70 000 @ $0,39$27K · 2026-06-02
Lipstein Robert JDirector · Common StockBought 7 000 @ $0,35$2K · 2026-05-27
Lipstein Robert JDirector · Common StockBought 82 274 @ $0,35$29K · 2026-05-26
Lipstein Robert JDirector · Common StockBought 12 726 @ $0,33$4K · 2026-05-26
LORD ALBERT LDirector · Common StockBought 29 606 @ $0,32$10K · 2026-03-04
DeRosa Thomas JosephChief Executive Officer · Common StockBought 10 000 @ $0,33$3K · 2026-03-04
LORD ALBERT LDirector · Common StockBought 50 000 @ $0,31$16K · 2026-03-02
LORD ALBERT LDirector · Common StockBought 50 000 @ $0,32$16K · 2026-02-27
DeRosa Thomas JosephChief Executive Officer · Common StockBought 20 000 @ $0,34$7K · 2026-02-26
LORD ALBERT LDirector · Common StockBought 50 000 @ $0,34$17K · 2026-02-26
LORD ALBERT LDirector · Common StockBought 50 000 @ $0,37$18K · 2026-02-25
LORD ALBERT LDirector · Common StockBought 50 000 @ $0,32$16K · 2026-02-24
LORD ALBERT LDirector · Common StockBought 4 200 @ $0,40$2K · 2026-02-12
LORD ALBERT LDirector · Common StockBought 40 000 @ $0,44$18K · 2025-12-04
LORD ALBERT LDirector · Common StockBought 40 000 @ $0,42$17K · 2025-12-03
LORD ALBERT LDirector · Common StockBought 40 000 @ $0,44$18K · 2025-12-02
Walsh Calvin DDirector · Common StockBought 12 000 @ $0,45$5K · 2025-12-01
Walsh Calvin DDirector · Common StockBought 10 000 @ $0,38$4K · 2025-11-26
LORD ALBERT LDirector · Common StockBought 40 000 @ $0,43$17K · 2025-11-26
Walsh Calvin DDirector · Common StockBought 14 768 @ $0,37$5K · 2025-11-25
LORD ALBERT LDirector · Common StockBought 17 500 @ $0,34$6K · 2025-11-25
Walsh Calvin DDirector · Common StockBought 2 500 @ $0,28$700 · 2025-11-24

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

APCXCanonical

OTC · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskMedium

Liquidity riskHigh

Current liabilities exceed current assets.

Filings reference going-concern or substantial-doubt language.

Source documents mention dilution or offering risk.

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

Current ratio (FY 2025-12-31): 0.14xDerived (calculated)
Debt-to-equity (FY 2025-12-31): 3.96xDerived (calculated)
Gross profit (YoY) (2025-12-31 vs 2024-12-31): 244.2%Derived (calculated)
Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): 1,100.0%Derived (calculated)
Total assets (YoY) (2025-12-31 vs 2024-12-31): 4.5%Derived (calculated)
Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): -65.4%Derived (calculated)
Revenue (YoY) (2025-12-31 vs 2024-12-31): 405.4%Derived (calculated)
R&D expense (YoY) (2025-12-31 vs 2024-12-31): 18.7%Derived (calculated)
Operating income (YoY) (2025-12-31 vs 2024-12-31): 20.6%Derived (calculated)
Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 34.4%Derived (calculated)
Net income (YoY) (2025-12-31 vs 2024-12-31): 11.3%Derived (calculated)
EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 34.3%Derived (calculated)
EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 34.3%Derived (calculated)
Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 113.1%Derived (calculated)
Net margin (FY 2025-12-31): -567.7%Derived (calculated)
Gross margin (FY 2025-12-31): 55.3%Derived (calculated)
Return on equity (FY 2025-12-31): -418.4%Derived (calculated)
Return on assets (FY 2025-12-31): -84.3%Derived (calculated)
Current assets (annual): USD 915KSEC XBRL filing
Shareholders' equity (annual): USD 1.89MSEC XBRL filing
Total assets (annual): USD 9.39MSEC XBRL filing
Operating income (annual): USD -7.58MSEC XBRL filing
R&D expense (annual): USD 2.35MSEC XBRL filing
EPS (basic) (annual): USD-PER-SHARES -0SEC XBRL filing

Showing 24 of 60 surfaced claims.

Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

The Thread

Everything we know, in order

— missing data

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-07-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Derivative transactions

Actions

Ask Handelsavisen

Ownership & reference

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread