Symbols / APCX $0.52 -4.77% AppTech Payments Corp.

Technology • Software - Infrastructure • United States • OQB
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About

AppTech Payments Corp., a fintech company, provides payment processing and digital banking technologies in the United States. It offers merchant transaction services, processing payments for credit and debit cards through point-of-sale equipment, e-commerce gateways, periodic automatic clearing house payments, and gift and loyalty programs. The also company offers integrated solutions for frictionless digital and mobile payment acceptance, as well as multi-use case, multichannel, API-driven, and account-based issuer processing for card, digital tokens, and payment transfer transaction services. In addition, it provides hosted e-commerce checkout, a flexible payment gateway, text payment technology, alternative payment methods (APMs), and mobile and contactless payments. Further, it offers FinZeo, a fintech platform. The company was formerly known as AppTech Corp. AppTech Payments Corp. was incorporated in 1998 and is headquartered in Carlsbad, California.

Stock Fundamentals
Scroll to Statements
Market Cap 21.02M Enterprise Value 23.82M Income -7.92M Sales 1.40M Book/sh 0.05 Cash/sh 0.01
Dividend Yield — Payout 0.00% Employees 6 IPO — P/E — Forward P/E -1.53
PEG — P/S 15.07 P/B 11.04 P/C — EV/EBITDA -3.60 EV/Sales 17.07
Quick Ratio 0.10 Current Ratio 0.14 Debt/Eq 160.80 LT Debt/Eq — EPS (ttm) -0.23 EPS next Y -0.34
EPS Growth — Revenue Growth 11.69% Earnings 2024-08-14 ROA -51.55% ROE -215.22% ROIC —
Gross Margin 55.27% Oper. Margin -222.88% Profit Margin 0.00% Shs Outstand 40.50M Shs Float 32.31M Short Float 0.65%
Short Ratio 0.98 Short Interest — 52W High 0.59 52W Low 0.06 Beta -0.49 Avg Volume 61.17K
Volume 3.57K Target Price — Recom None Prev Close $0.55 Price $0.52 Change -4.77%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$0.52
Latest analyst target
3. DCF / Fair value
$-0.16
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$0.52
Low
—
High
—
Mean
—
News
RSS: Latest APCX news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-04 LORD ALBERT L Director — 29,606 $0.32 $9,578
2026-03-04 DEROSA THOMAS JOSEPH Chief Executive Officer — 10,000 $0.33 $3,299
2026-03-02 LORD ALBERT L Director — 100,000 $0.31 $31,350
2026-02-26 LORD ALBERT L Director — 150,000 $0.32 $51,040
2026-02-26 DEROSA THOMAS JOSEPH Chief Executive Officer — 20,000 $0.34 $6,754
2026-02-12 LORD ALBERT L Director — 4,200 $0.40 $1,665
2025-12-04 LORD ALBERT L Director — 120,000 $0.42 $52,132
2025-11-26 LORD ALBERT L Director — 57,500 $0.34 $23,347
2025-06-16 KOZLOWSKI THOMAS J. JR. Director — 35,147 $0.30 $10,954
2025-06-13 LORD ALBERT L Director — 50,000 $0.32 $16,150
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1.40
+405.43%
0.28
-45.24%
0.50
+12.00%
0.45
Operating Revenue
1.40
+405.43%
0.28
-45.24%
0.50
+12.00%
0.45
Cost Of Revenue
0.62
+1100.00%
0.05
-72.19%
0.19
-15.00%
0.22
Reconciled Cost Of Revenue
0.62
+1100.00%
0.05
-72.19%
0.19
-15.00%
0.22
Gross Profit
0.77
+244.20%
0.22
-29.34%
0.32
+37.83%
0.23
Operating Expense
8.35
-14.54%
9.77
-26.92%
13.37
-14.07%
15.56
Research And Development
2.35
+18.72%
1.98
-43.48%
3.50
-53.71%
7.56
Selling General And Administration
6.00
-22.98%
7.79
-21.06%
9.87
+23.37%
8.00
General And Administrative Expense
—
—
—
8.00
Salaries And Wages
—
—
—
—
Other Gand A
—
—
—
8.00
Total Expenses
8.97
-8.64%
9.82
-27.55%
13.56
-14.08%
15.78
Operating Income
-7.58
+20.61%
-9.55
+26.87%
-13.05
+14.85%
-15.33
Total Operating Income As Reported
-7.58
+20.61%
-9.55
+50.24%
-19.18
-18.18%
-16.23
EBITDA
-6.22
+9.31%
-6.86
+60.72%
-17.48
-13.04%
-15.46
Normalized EBITDA
-6.06
+25.22%
-8.11
+28.58%
-11.35
+22.87%
-14.72
Reconciled Depreciation
1.47
+3.30%
1.42
+44.47%
0.98
+143.21%
0.41
EBIT
-7.70
+7.14%
-8.29
+55.11%
-18.46
-16.36%
-15.86
Total Unusual Items
-0.16
-112.93%
1.25
+120.34%
-6.12
-729.40%
-0.74
Total Unusual Items Excluding Goodwill
-0.16
-112.93%
1.25
+120.34%
-6.12
-729.40%
-0.74
Special Income Charges
0.01
-98.96%
1.25
+120.25%
-6.15
0.00
Other Special Charges
-0.01
+98.96%
-1.25
-7423.53%
0.02
—
Impairment Of Capital Assets
—
0.00
-100.00%
6.13
0.00
Net Income
-7.92
+11.34%
-8.93
+51.74%
-18.51
-13.70%
-16.28
Pretax Income
-7.92
+11.34%
-8.93
+51.74%
-18.51
-13.70%
-16.28
Net Non Operating Interest Income Expense
-0.23
+65.17%
-0.65
-1142.31%
-0.05
+87.53%
-0.42
Interest Expense Non Operating
0.23
-65.17%
0.65
+1142.31%
0.05
-87.53%
0.42
Net Interest Income
-0.23
+65.17%
-0.65
-1142.31%
-0.05
+87.53%
-0.42
Interest Expense
0.23
-65.17%
0.65
+1142.31%
0.05
-87.53%
0.42
Other Income Expense
-0.12
-109.21%
1.26
+123.31%
-5.41
-912.36%
-0.53
Other Non Operating Income Expenses
0.04
+200.00%
0.01
-97.90%
0.71
+250.49%
0.20
Gain On Sale Of Security
-0.17
—
0.03
+103.66%
-0.74
Gain On Sale Of Business
—
—
—
—
Tax Provision
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-7.92
+11.34%
-8.93
+51.74%
-18.51
-13.70%
-16.28
Net Income From Continuing Operation Net Minority Interest
-7.92
+11.34%
-8.93
+51.74%
-18.51
-13.70%
-16.28
Net Income From Continuing And Discontinued Operation
-7.92
+11.34%
-8.93
+51.74%
-18.51
-13.70%
-16.28
Net Income Continuous Operations
-7.92
+11.34%
-8.93
+51.74%
-18.51
-13.70%
-16.28
Normalized Income
-7.76
+23.77%
-10.18
+17.86%
-12.39
+20.28%
-15.54
Net Income Common Stockholders
-7.92
+11.49%
-8.95
+53.58%
-19.27
-18.39%
-16.28
Otherunder Preferred Stock Dividend
0.00
-100.00%
0.01
-98.03%
0.76
0.00
Diluted EPS
—
-0.35
+65.35%
-1.01
-1.00%
-1.00
Basic EPS
—
-0.35
+65.35%
-1.01
-1.00%
-1.00
Basic Average Shares
—
25.31
+32.47%
19.10
+17.59%
16.25
Diluted Average Shares
—
25.31
+32.47%
19.10
+17.59%
16.25
Diluted NI Availto Com Stockholders
-7.92
+11.49%
-8.95
+53.58%
-19.27
-18.39%
-16.28
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
9.39
+4.53%
8.99
+7.58%
8.35
-33.28%
12.52
Current Assets
0.92
-62.19%
2.42
+59.63%
1.52
-65.74%
4.42
Cash Cash Equivalents And Short Term Investments
0.24
-71.89%
0.87
-32.24%
1.28
-63.00%
3.46
Cash And Cash Equivalents
0.24
-71.89%
0.87
-32.24%
1.28
-63.00%
3.46
Cash Financial
—
—
—
—
Receivables
0.65
-53.63%
1.39
+4543.33%
0.03
-41.18%
0.05
Accounts Receivable
0.35
+713.95%
0.04
+43.33%
0.03
-41.18%
0.05
Other Receivables
—
1.35
—
—
Accrued Interest Receivable
0.05
0.00
—
—
Prepaid Assets
0.03
-84.28%
0.16
-22.44%
0.20
-77.52%
0.91
Total Non Current Assets
8.48
+29.12%
6.57
-3.96%
6.84
-15.53%
8.09
Net PPE
0.02
-79.07%
0.09
+30.30%
0.07
-48.03%
0.13
Gross PPE
0.02
-79.07%
0.09
+30.30%
0.07
-48.03%
0.13
Machinery Furniture Equipment
—
—
0.07
-48.03%
0.13
Other Properties
0.02
-79.07%
0.09
+30.30%
0.07
-48.03%
0.13
Goodwill And Other Intangible Assets
8.43
+31.81%
6.39
-5.08%
6.74
-15.08%
7.93
Goodwill
2.96
+154.61%
1.16
+0.00%
1.16
0.00
Other Intangible Assets
5.47
+4.57%
5.23
-6.13%
5.58
-29.72%
7.93
Non Current Prepaid Assets
0.03
-62.79%
0.09
+855.56%
0.01
+0.00%
0.01
Total Liabilities Net Minority Interest
7.50
+113.13%
3.52
-15.39%
4.16
-18.37%
5.09
Current Liabilities
6.44
+87.24%
3.44
-15.69%
4.08
-17.22%
4.93
Payables And Accrued Expenses
3.89
+15.27%
3.37
-8.49%
3.69
+71.79%
2.15
Payables
3.77
+23.35%
3.05
-7.46%
3.30
+850.72%
0.35
Accounts Payable
2.57
+38.48%
1.85
+3.00%
1.80
+418.44%
0.35
Other Payable
—
—
1.50
—
Current Accrued Expenses
0.12
-62.07%
0.32
-17.36%
0.39
-78.53%
1.80
Current Debt And Capital Lease Obligation
1.99
+2819.12%
0.07
-13.92%
0.08
-95.73%
1.85
Current Debt
1.97
—
0.00
-99.94%
1.78
Other Current Borrowings
1.97
—
0.00
-99.94%
1.70
Current Capital Lease Obligation
0.02
-73.53%
0.07
-12.82%
0.08
+21.88%
0.06
Current Deferred Liabilities
0.01
0.00
-100.00%
0.24
0.00
Current Deferred Revenue
0.01
0.00
-100.00%
0.24
0.00
Other Current Liabilities
0.56
—
—
0.86
Total Non Current Liabilities Net Minority Interest
1.06
+1240.51%
0.08
+0.00%
0.08
-52.41%
0.17
Long Term Debt And Capital Lease Obligation
1.06
+1240.51%
0.08
+0.00%
0.08
-52.41%
0.17
Long Term Debt
1.06
+1636.07%
0.06
-6.15%
0.07
-2.99%
0.07
Long Term Capital Lease Obligation
0.00
-100.00%
0.02
+28.57%
0.01
-85.86%
0.10
Tradeand Other Payables Non Current
—
—
—
—
Stockholders Equity
1.89
-65.37%
5.47
+30.35%
4.19
-43.51%
7.42
Common Stock Equity
1.89
-65.37%
5.47
+30.35%
4.19
-43.51%
7.42
Capital Stock
0.04
+21.21%
0.03
+50.00%
0.02
+29.41%
0.02
Common Stock
0.04
+21.21%
0.03
+50.00%
0.02
+29.41%
0.02
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
39.49
+18.66%
33.28
+49.56%
22.25
+33.27%
16.70
Ordinary Shares Number
39.49
+18.66%
33.28
+49.56%
22.25
+33.27%
16.70
Additional Paid In Capital
178.47
+2.49%
174.13
+6.23%
163.92
+10.85%
147.88
Retained Earnings
-176.62
-4.69%
-168.70
-5.60%
-159.75
-13.72%
-140.47
Total Equity Gross Minority Interest
1.89
-65.37%
5.47
+30.35%
4.19
-43.51%
7.42
Total Capitalization
2.95
-46.60%
5.53
+29.80%
4.26
-43.15%
7.49
Working Capital
-5.53
-441.76%
-1.02
+60.22%
-2.56
-408.73%
-0.50
Invested Capital
4.92
-11.02%
5.53
+29.77%
4.26
-54.08%
9.28
Total Debt
3.04
+1970.75%
0.15
-6.96%
0.16
-92.16%
2.02
Net Debt
2.78
—
—
—
Capital Lease Obligations
0.02
-79.07%
0.09
-6.52%
0.09
-43.56%
0.16
Net Tangible Assets
-6.54
-604.96%
-0.93
+63.53%
-2.54
-400.39%
-0.51
Tangible Book Value
-6.54
-604.96%
-0.93
+63.53%
-2.54
-400.39%
-0.51
Current Notes Payable
—
—
0.00
-100.00%
0.09
Current Provisions
—
—
0.07
+0.00%
0.07
Dueto Related Parties Current
1.20
+0.00%
1.20
-20.00%
1.50
0.00
Interest Payable
—
—
0.00
-100.00%
1.44
Non Current Note Receivables
—
0.00
-100.00%
0.03
+0.00%
0.03
Notes Receivable
0.25
—
—
—
Preferred Shares Number
0.00
+0.00%
0.00
+0.00%
0.00
+0.00%
0.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-4.89
+34.44%
-7.46
+15.83%
-8.86
-8.05%
-8.20
Cash Flow From Continuing Operating Activities
-4.89
+34.44%
-7.46
+15.83%
-8.86
-8.05%
-8.20
Net Income From Continuing Operations
-7.92
+11.34%
-8.93
+51.74%
-18.51
-13.70%
-16.28
Depreciation Amortization Depletion
1.47
+3.30%
1.42
+44.47%
0.98
+143.21%
0.41
Amortization Cash Flow
1.47
+3.30%
1.42
+44.47%
0.98
+143.21%
0.41
Depreciation And Amortization
1.47
+3.30%
1.42
+44.47%
0.98
+143.21%
0.41
Amortization Of Intangibles
1.47
+3.30%
1.42
+44.47%
0.98
+143.21%
0.41
Other Non Cash Items
0.28
-51.99%
0.58
+2326.92%
-0.03
-103.21%
0.81
Stock Based Compensation
0.98
-29.53%
1.39
-59.95%
3.48
-54.89%
7.71
Asset Impairment Charge
0.00
-100.00%
0.03
-99.58%
6.13
0.00
Operating Gains Losses
-0.01
+98.96%
-1.25
-378.85%
-0.26
-56.63%
-0.17
Gain Loss On Investment Securities
—
—
-0.03
+83.73%
-0.17
Change In Working Capital
0.32
+145.06%
-0.70
-7.04%
-0.65
+3.12%
-0.67
Change In Receivables
-0.31
-2466.67%
-0.01
-157.14%
0.02
+290.91%
-0.01
Changes In Account Receivables
-0.31
-2466.67%
-0.01
-157.14%
0.02
+290.91%
-0.01
Change In Prepaid Assets
0.13
+191.30%
0.05
-87.29%
0.36
+154.93%
0.14
Change In Payables And Accrued Expense
0.53
-28.09%
0.74
+158.08%
-1.27
-57.64%
-0.81
Change In Accrued Expense
-0.20
+52.54%
-0.41
+77.17%
-1.81
-1839.42%
0.10
Change In Payable
0.73
-36.87%
1.15
+112.96%
0.54
+159.41%
-0.91
Change In Account Payable
0.73
-36.87%
1.15
+112.96%
0.54
+159.41%
-0.91
Change In Other Working Capital
0.01
+104.17%
-0.12
-151.50%
0.23
—
Change In Other Current Assets
-0.05
+96.59%
-1.35
0.00
—
Investing Cash Flow
-1.88
-62.55%
-1.16
-131.80%
-0.50
+72.08%
-1.79
Cash Flow From Continuing Investing Activities
-1.88
-62.55%
-1.16
-131.80%
-0.50
+72.08%
-1.79
Capital Expenditure
—
-1.08
—
-1.79
Capital Expenditure Reported
0.00
+100.00%
-1.08
0.00
+100.00%
-1.79
Net Business Purchase And Sale
-1.94
0.00
+100.00%
-0.50
0.00
Purchase Of Business
-2.00
0.00
+100.00%
-0.50
0.00
Net Other Investing Changes
0.06
+170.51%
-0.08
—
-0.00
Financing Cash Flow
6.15
-25.04%
8.20
+14.28%
7.18
-46.61%
13.44
Cash Flow From Continuing Financing Activities
6.15
-25.04%
8.20
+14.28%
7.18
-46.61%
13.44
Net Issuance Payments Of Debt
2.60
+187.18%
0.91
+150.62%
-1.79
-2693.75%
-0.06
Issuance Of Debt
2.85
+156.67%
1.11
0.00
—
Repayment Of Debt
-0.25
-21.95%
-0.20
+88.53%
-1.79
-2693.75%
-0.06
Long Term Debt Issuance
2.85
+156.67%
1.11
0.00
—
Long Term Debt Payments
-0.25
-21.95%
-0.20
+88.53%
-1.79
-2693.75%
-0.06
Short Term Debt Payments
—
0.00
+100.00%
-0.68
-1258.00%
-0.05
Net Short Term Debt Issuance
—
0.00
+100.00%
-0.68
-1258.00%
-0.05
Net Common Stock Issuance
2.20
-65.01%
6.29
-29.61%
8.93
-33.77%
13.49
Proceeds From Stock Option Exercised
1.35
+33.66%
1.01
+2960.61%
0.03
+65.00%
0.02
Net Other Financing Charges
—
—
—
13.49
Changes In Cash
-0.62
-51.09%
-0.41
+81.06%
-2.18
-163.14%
3.45
Beginning Cash Position
0.87
-32.24%
1.28
-63.00%
3.46
+43175.00%
0.01
End Cash Position
0.24
-71.89%
0.87
-32.24%
1.28
-63.00%
3.46
Free Cash Flow
-4.89
+42.74%
-8.54
+3.62%
-8.86
+11.30%
-9.99
Interest Paid Supplemental Data
0.07
-1.49%
0.07
-94.57%
1.23
0.00
Income Tax Paid Supplemental Data
0.00
0.00
0.00
0.00
Common Stock Issuance
2.20
-65.01%
6.29
-29.61%
8.93
-33.77%
13.49
Issuance Of Capital Stock
2.20
-65.01%
6.29
-29.61%
8.93
-33.77%
13.49
Sale Of Business
0.06
0.00
—
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SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
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