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AppTech Payments Corp.

APCX

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9 Visible periods

30 Metrics

Absolute Benchmarks

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Health

Poor

Bearish Absolute basis

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Analytical Summary

On an absolute basis, AppTech Payments Corp. shows weak fundamentals, weighed down by Return on Invested Capital and FCF Margin (%). These readings use fixed quality thresholds rather than peer benchmarks, because too few comparable companies are available to rank against.

Market Cap —

Dividend Yield —

Revenue Growth 405.4% ↗

Op. Margin None

ROIC -400.4% ↘

FCF / Share $-0.14 ↗

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.40M

↑ +405.4% —

Net Income Profit after all expenses

$-7.92M

↑ +11.3% —

FCF / Share Free cash flow per share

$-0.14

↑ +52.4% —

info Signals below are graded against fixed quality thresholds, not peers — peer ranking needs more comparable companies.

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Return on Invested CapitalReturn on Invested Capital of -400.4% is weak on an absolute basis (target > 10%)
FCF Margin (%)FCF Margin (%) of -350.5% is weak on an absolute basis (target > 10%)
Interest CoverageInterest Coverage of -114.83x is weak on an absolute basis (target > 5x)
FCF / Net IncomeFCF / Net Income of 0.62x is weak on an absolute basis (target > 1x)

Health Breakdown

Profitability ↓

Financial Health

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	405.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+3279%)	-45.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-477%)	12.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	127018.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1058389%)	-99.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-932%)	28.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+139%)	0.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	—	—
EPS Growth YoY (%)	34.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	65.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-1.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—
Net Income Growth YoY (%)	11.3% Fair ↑ Fair Improving Year-over-year change in net income	51.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.7% Weak ↑ Weak Improving Year-over-year change in net income	-20445.1% Weak ↓ Weak Declining Year-over-year change in net income	98.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-211.7% Weak Weak Year-over-year change in net income	46.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	52.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	36.5% Excellent Excellent Year-over-year change in free cash flow	8.1% Fair Fair Year-over-year change in free cash flow	—	—	—	—	—	—
Revenue CAGR 3Y (%)	45.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	820.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.7% Excellent Excellent Compound annual revenue growth over 3 years	-88.8% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	33.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	1.5% Caution Caution Compound annual revenue growth over 5 years	14.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Operating Margin (%) (%)	—	—	—	—	—	—	-370.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1951%)	—	—
Effective Tax Rate (%) (%)	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
FCF Margin (%) (%)	-350.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	-179.5% Weak → Weak Stable Free cash flow as a percentage of revenue Optimal: > 10%	-296.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-76.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	0.62x Weak → Weak Stable Free cash flow relative to reported net income Optimal: > 1x	0.83x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.48x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.50x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.02x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.14x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.57x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.08x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Invested Capital (%)	-400.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-174.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-457.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-218.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	138824.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	35.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	12.7% Good Good Return earned on debt + equity capital invested Optimal: > 10%	29.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-80.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-106.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-229.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-129.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1023.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	-950.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1116.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	-6559.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	-163.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-983%)	—	-219.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1285%)	—	51.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+176%)	18.0% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	35.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+93%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Debt to Equity (x)	—	—	—	—	—	-0.01x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-102%)	—	—	—
Interest Coverage (x)	-114.83x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-367.19x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-368.94x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-38.93x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	24.85x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-10.54x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-3.28x Weak Weak Operating income divided by interest expense Optimal: > 5x	-4.40x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	—	—	—	—	$-8.00	$9.90K	$-24.16K	$-1.38K	$-26.29K
Debt / EBITDA (x)	—	—	—	—	—	-0.02x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$0.04	$0.01	$0.03	$0.03	—	—	—	—	—
Basic EPS, GAAP (USD)	$-0.23	$-0.35	$-1.01	$-1.00	—	—	—	—	—
Free Cash Flow per Share (USD)	$-0.14	$-0.29	$-0.46	$-0.50	—	—	—	—	—
Book Value per Share (USD)	$0.05	$0.16	$0.19	$0.44	$0.00	$-0.09	$-0.09	$-0.08	—
Tangible Book Value per Share (USD)	$-0.03	$0.13	$0.14	$0.44	$0.00	$-0.09	$-0.09	$-0.08	—
Basic Weighted Avg Shares (shares)	34.87M	25.31M	19.10M	16.25M	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Working Capital (USD)	$-5.53M	$-1.02M	$-2.56M	$-504.00K	$-6.66K	$-8.10M	$-7.29M	$-7.05M	—
LT Debt (USD)	—	—	—	—	—	$67.40K	—	—	—
Total Equity (USD)	$1.89M	$5.47M	$4.19M	$7.42M	$44.00	$-8.19M	$-7.45M	$-7.05M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$1.40M	$276.00K	$504.00K	$450.00K	$354.00	$329.50K	$256.14K	$253.78K	—
Depreciation Expense (USD)	—	—	—	—	—	—	$65.00	$129.00	—
Net Income, GAAP (USD)	$-7.92M	$-8.93M	$-18.51M	$-16.28M	$-79.25K	$-4.19M	$-1.34M	$-2.51M	—
Operating Cash Flow (USD)	$-4.89M	$-7.46M	$-8.86M	$-8.20M	$-1.82K	$-591.39K	$-760.54K	$-192.80K	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 9 years · 32 quarters

AppTech Payments Corp.

Analytical Summary

9-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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