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APPTECH PAYMENTS CORP (APCX) Stock Fundamental Analysis

NASDAQ:APCX - Nasdaq - US03834B3096 - Common Stock - Currency: USD

0.2058  -0.05 (-19.92%)

After market: 0.1575 -0.05 (-23.47%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to APCX. APCX was compared to 99 industry peers in the Financial Services industry. Both the profitability and financial health of APCX have multiple concerns. APCX does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year APCX has reported negative net income.
APCX had a negative operating cash flow in the past year.
APCX had negative earnings in each of the past 5 years.
In the past 5 years APCX always reported negative operating cash flow.
APCX Yearly Net Income VS EBIT VS OCF VS FCFAPCX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 -20M -40M -60M

1.2 Ratios

Looking at the Return On Assets, with a value of -99.58%, APCX is doing worse than 98.00% of the companies in the same industry.
APCX has a Return On Equity of -163.67%. This is amonst the worse of the industry: APCX underperforms 92.00% of its industry peers.
Industry RankSector Rank
ROA -99.58%
ROE -163.67%
ROIC N/A
ROA(3y)-153.46%
ROA(5y)-522.25%
ROE(3y)-280.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
APCX Yearly ROA, ROE, ROICAPCX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -50K -100K -150K

1.3 Margins

Looking at the Gross Margin, with a value of 81.16%, APCX belongs to the top of the industry, outperforming 88.00% of the companies in the same industry.
APCX's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for APCX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 81.16%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.41%
GM growth 5Y7.06%
APCX Yearly Profit, Operating, Gross MarginsAPCX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -5K -10K -15K -20K

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2. Health

2.1 Basic Checks

APCX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for APCX has been increased compared to 1 year ago.
APCX has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, APCX has an improved debt to assets ratio.
APCX Yearly Shares OutstandingAPCX Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
APCX Yearly Total Debt VS Total AssetsAPCX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

2.2 Solvency

Based on the Altman-Z score of -28.73, we must say that APCX is in the distress zone and has some risk of bankruptcy.
APCX has a worse Altman-Z score (-28.73) than 82.00% of its industry peers.
APCX has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
With an excellent Debt to Equity ratio value of 0.01, APCX belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z -28.73
ROIC/WACCN/A
WACC9.73%
APCX Yearly LT Debt VS Equity VS FCFAPCX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M

2.3 Liquidity

APCX has a Current Ratio of 0.70. This is a bad value and indicates that APCX is not financially healthy enough and could expect problems in meeting its short term obligations.
APCX has a Current ratio of 0.70. This is comparable to the rest of the industry: APCX outperforms 42.00% of its industry peers.
APCX has a Quick Ratio of 0.70. This is a bad value and indicates that APCX is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.70, APCX perfoms like the industry average, outperforming 42.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.7
Quick Ratio 0.7
APCX Yearly Current Assets VS Current LiabilitesAPCX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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1

3. Growth

3.1 Past

APCX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 64.17%, which is quite impressive.
Looking at the last year, APCX shows a very negative growth in Revenue. The Revenue has decreased by -44.91% in the last year.
Measured over the past years, APCX shows a small growth in Revenue. The Revenue has been growing by 1.20% on average per year.
EPS 1Y (TTM)64.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%78.77%
Revenue 1Y (TTM)-44.91%
Revenue growth 3Y-7.61%
Revenue growth 5Y1.2%
Sales Q2Q%-63.12%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
APCX Yearly Revenue VS EstimatesAPCX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
APCX Yearly EPS VS EstimatesAPCX Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 -0.2 -0.4 -0.6 -0.8 -1

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4. Valuation

4.1 Price/Earnings Ratio

APCX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
APCX Price Earnings VS Forward Price EarningsAPCX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
APCX Per share dataAPCX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 -0.1 -0.2 -0.3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

APCX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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APPTECH PAYMENTS CORP

NASDAQ:APCX (5/19/2025, 8:00:00 PM)

After market: 0.1575 -0.05 (-23.47%)

0.2058

-0.05 (-19.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-14 2025-05-14
Earnings (Next)08-12 2025-08-12
Inst Owners4.33%
Inst Owner Change5.98%
Ins Owners8.37%
Ins Owner Change0.1%
Market Cap6.85M
Analysts82.86
Price TargetN/A
Short Float %0.04%
Short Ratio0.06
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-98.55%
Min Revenue beat(2)-98.86%
Max Revenue beat(2)-98.25%
Revenue beat(4)0
Avg Revenue beat(4)-68.34%
Min Revenue beat(4)-98.86%
Max Revenue beat(4)-28.01%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 24.82
P/FCF N/A
P/OCF N/A
P/B 1.25
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.37
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.26
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS0.01
BVpS0.16
TBVpS-0.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -99.58%
ROE -163.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 81.16%
FCFM N/A
ROA(3y)-153.46%
ROA(5y)-522.25%
ROE(3y)-280.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.41%
GM growth 5Y7.06%
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 75.97%
Cap/Sales 391.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.7
Quick Ratio 0.7
Altman-Z -28.73
F-Score5
WACC9.73%
ROIC/WACCN/A
Cap/Depr(3y)170.85%
Cap/Depr(5y)N/A
Cap/Sales(3y)263.15%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)64.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%78.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-44.91%
Revenue growth 3Y-7.61%
Revenue growth 5Y1.2%
Sales Q2Q%-63.12%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y15.83%
OCF growth 3YN/A
OCF growth 5YN/A