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AppTech Payments Corp.(APCX)Earnings, Financials & Key Ratios
APCX•NASDAQ
$0.26
Price updated Jul 7, 2026
AboutAppTech Payments Corp., a financial technology company, provides electronic payment processing technologies and merchant services in the United States. Its merchant services offer financial processing for businesses to accept cashless and/or contactless payments, such as credit cards, automatic clearing house, wireless payments, and others. In addition, the company offers integrated solutions for frictionless digital and mobile payment acceptance, including acceptance of alternative payment methods, as well as multi-use case, multi-channel, API-driven, and account-based issuer processing for card, digital tokens, and payment transfer transaction services. The company was formerly known as AppTech Corp. AppTech Payments Corp. was incorporated in 1998 and is headquartered in Carlsbad, California.Show more
- Revenue$1M+405.4%
- EBITDA-$6M+24.8%
- Net Income-$8M+11.3%
- EPS (Diluted)-0.24+31.4%
- Gross Margin55.27%-31.9%
- EBITDA Margin-437.92%+85.1%
- Operating Margin-543.3%+84.3%
- Net Margin-567.74%+82.5%
- ROE-215.22%-16.4%
APCX Price & Volume
AppTech Payments Corp. (APCX) stock price & volume — 10-year historical chart
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Persistent Operating Losses Threaten Long-Term Solvency Sustainability
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Mixed
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Severe liquidity and solvency
Key Thesis Takeaways
- AppTech Payments Corp.
- faces a precarious financial outlook characterized by extreme revenue volatility and a failure to achieve meaningful operating scale, as evidenced by a 2026Q1 operating margin of -195.5%.
- The company's reliance on debt financing, which has ballooned to $3.9 million, combined with a rapidly eroding equity base of only $297,000, suggests a high probability of further dilutive capital raises.
- Investors should remain cautious as the firm struggles to convert its proprietary payment infrastructure into a predictable, cash-generative business model.
Verdict Logic
the company's inability to generate positive free cash flow and its reliance on debt to fund operations, resulting in a 13.24 debt-to-equity ratio, present severe solvency risks for shareholders.
APCX Growth Metrics
AppTech Payments Corp. (APCX) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years21.78%
5 Years33.46%
3 Years45.81%
TTM579.12%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-0.59%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM15.34%
Return on Capital
10 Years-5855.3%
5 Years-5855.3%
3 Years-232.09%
Last Year-178.37%
APCX Recent Earnings
AppTech Payments Corp. (APCX) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 1/12 qtrs (14%)
Q2 2026Latest
May 15, 2026Metric
Actual
Est
EPS
$0.08
—
Rev
$1M
—
Q2 2026
Mar 31, 2026Metric
Actual
Est
EPS
$0.04-500.0%
$0.01
Rev
$660,000-85.2%
$4M
Q4 2025
Nov 13, 2025Metric
Actual
Est
EPS
$0.05
—
Rev
$227,000
—
Q3 2025
Aug 14, 2025Metric
Actual
Est
EPS
$0.06
—
Rev
$291,000
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 15, 2026 | $0.08 | $1M |
| Q2 2026 | Mar 31, 2026 | $0.04vs $0.01-500.0% | $660,000vs $4M-85.2% |
| Q4 2025 | Nov 13, 2025 | $0.05 | $227,000 |
| Q3 2025 | Aug 14, 2025 | $0.06 | $291,000 |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for AppTech Payments Corp. (APCX)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $0.26 | $10.92M | -1.08 | 405.43% | -567.74% | -215.22% | — | |
| $2.35 | $64.85M | -25.19 | 2.97% | -2.43% | -11.73% | — | |
| $21.40 | $472.82M | 38.21 | -7.29% | 8.26% | 3.67% | — | |
| $6.97 | $574.02M | 10.25 | 8.33% | 5.85% | — | — | |
| $51.20 | $3.54B | 47.41 | 25.5% | 2.29% | 5.13% | — | |
| $4.04 | $355.87M | -1.35 | -1.21% | -82.73% | -46.64% | — |
Compare APCX vs Peers
AppTech Payments Corp. (APCX) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
APCX SEC Filings & Documents
AppTech Payments Corp. (APCX) SEC filings — annual & quarterly reports (10-K, 10-Q)
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APCX Frequently Asked Questions
AppTech Payments Corp. (APCX) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is AppTech Payments Corp.'s revenue?
AppTech Payments Corp. (APCX) reported $2.6M in revenue for fiscal year 2025. This represents a 2535% increase from $0.1M in 1999.
How fast is AppTech Payments Corp. growing?
AppTech Payments Corp. (APCX) grew revenue by 405.4% over the past year. This is strong growth.
Is APCX profitable?
AppTech Payments Corp. (APCX) reported a net loss of $8.6M for fiscal year 2025.
Dividend & Returns
What is APCX's return on equity?
AppTech Payments Corp. (APCX) has a return on equity (ROE) of -215.2%. Negative ROE indicates the company is unprofitable.
What is AppTech Payments Corp.'s free cash flow?
AppTech Payments Corp. (APCX) had negative free cash flow of $4.0M in fiscal year 2025, likely due to heavy capital investments.