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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on Apptech Corp (APCX) is sparse; the company is a Pink Sheets–listed issuer and its current business activities and financial condition are not well documented. Any long-term growth would depend on disclosure of a clear strategy, successful commercialization or asset development, and access to capital, which may appeal to investors focused on small-cap or turnaround situations.
Material risks include limited and potentially outdated disclosure, low liquidity and high share-price volatility, potential absence of audited financial statements, significant financing and execution risk and possible dilution.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | -7.92M | -8.93M | -18.51M | -16.28M | -79.25M |
| Net income | -7.92M | -8.93M | -18.51M | -17.02M | -13.40M |
| Selling general administrative | 6.00M | 7.79M | 9.87M | 8.00M | 8.40M |
| Selling and marketing expenses | - | - | 0.98M | - | - |
| Gross profit | 0.77M | 0.22M | 0.32M | 0.23M | 0.20M |
| Reconciled depreciation | 1.47M | 1.42M | 1.12M | 0.41M | - |
| Ebit | -7.70M | -8.29M | -18.46M | -15.33M | -77.32M |
| Ebitda | -6.22M | -6.86M | -17.48M | -14.72M | -7.15M |
| Depreciation and amortization | 1.47M | 1.42M | 0.98M | 0.61M | 70.17M |
| Operating income | -7.58M | -9.55M | -19.18M | -15.33M | -77.32M |
| Other operating expenses | 8.97M | 9.82M | 19.69M | 15.78M | 8.72M |
| Interest expense | 0.23M | 0.65M | 0.05M | 0.42M | 3.11M |
| Tax provision | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Net interest income | -0.23M | -0.65M | -0.33M | -0.42M | -3.11M |
| Income tax expense | - | 0.01M | 0.76M | 0.74M | -65.85M |
| Total revenue | 1.40M | 0.28M | 0.50M | 0.45M | 0.35M |
| Total operating expenses | 8.35M | 9.77M | 19.50M | 15.56M | 8.57M |
| Cost of revenue | 0.62M | 0.05M | 0.19M | 0.22M | 0.15M |
| Total other income expense net | -0.34M | 0.61M | 0.67M | -0.95M | -1.93M |
| Net income from continuing ops | -7.92M | -8.93M | -19.89M | -16.28M | -79.25M |
| Net income applicable to common shares | - | - | - | -16.28M | -79.25M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 9.39M | 8.99M | 8.35M | 12.52M | 7.56M |
| Intangible assets | 4.15M | 5.23M | 5.58M | 5.23M | 3.44M |
| Other current assets | 0.03M | 2.86M | 0.20M | 0.91M | 574.28M |
| Total liab | 7.50M | 3.52M | 4.16M | 5.09M | 7.51M |
| Total stockholder equity | 1.89M | 5.47M | 4.19M | 7.42M | 0.04M |
| Deferred long term liab | - | - | - | - | 0.09M |
| Other current liab | 1.90M | 1.91M | 1.96M | 2.00M | 1.03M |
| Common stock | 0.04M | 0.03M | 0.02M | 0.02M | 0.01M |
| Capital stock | 0.04M | 0.03M | - | 0.02M | 0.01M |
| Retained earnings | -176.62M | -168.70M | -159.75M | -140.47M | -124.19M |
| Good will | 2.96M | 1.16M | 1.16M | - | - |
| Other assets | - | - | - | 2.73M | 6.75M |
| Cash | 0.24M | 0.87M | 1.28M | 3.46M | 0.01M |
| Total current liabilities | 6.44M | 3.44M | 4.08M | 4.93M | 7.28M |
| Current deferred revenue | 0.01M | - | 0.24M | 0.73M | 3.14M |
| Net debt | 2.78M | -0.72M | -1.12M | -1.45M | 2.09M |
| Short term debt | 1.97M | 0.07M | 0.08M | 1.85M | 1.86M |
| Short long term debt | 1.97M | - | - | 1.78M | 1.80M |
| Short long term debt total | 3.03M | 0.15M | 0.16M | 2.02M | 2.09M |
| Other stockholder equity | 178.47M | 174.13M | 163.92M | 147.88M | 124.23M |
| Property plant equipment | - | - | - | 0.13M | 0.19M |
| Total current assets | 0.92M | 2.42M | 1.52M | 4.42M | 0.62M |
| Net tangible assets | - | - | - | 2.19M | 0.04M |
| Net receivables | 0.65M | 0.04M | 0.03M | 0.05M | 0.04M |
| Long term debt | 1.06M | 0.06M | - | 0.07M | 0.07M |
| Inventory | - | - | - | - | -573.70M |
| Accounts payable | 2.57M | 1.85M | 1.80M | 0.35M | 1.25M |
| Non currrent assets other | 1.35M | 0.09M | 1.16M | 2.73M | 3.31M |
| Non current assets total | 8.48M | 6.57M | 6.84M | 8.09M | 6.93M |
| Capital lease obligations | 0.02M | 0.09M | - | 0.16M | 0.22M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -1.16M | -0.09M | -1.79M | -1.18M |
| Change to liabilities | - | - | - | -0.91M | 0.93M |
| Total cashflows from investing activities | -1.88M | -1.16M | -0.50M | -1.79M | -1.18M |
| Net borrowings | 2.60M | 0.91M | -1.79M | -0.06M | -0.03M |
| Total cash from financing activities | 6.15M | 8.20M | 7.18M | 13.44M | 2.96M |
| Change to operating activities | - | - | - | 0.25M | -0.75M |
| Net income | -7.92M | -8.93M | -18.51M | -16.28M | -79.25M |
| Change in cash | -0.62M | -0.41M | -2.18M | 3.45M | -0.05M |
| Begin period cash flow | 0.87M | 1.28M | 3.46M | 0.01M | 0.06M |
| End period cash flow | 0.24M | 0.87M | 1.28M | 3.46M | 0.01M |
| Total cash from operating activities | -4.89M | -7.46M | -8.86M | -8.20M | -1.82M |
| Issuance of capital stock | 2.20M | 6.29M | 8.93M | - | - |
| Depreciation | 1.57M | 1.42M | 0.98M | 0.41M | 0.30M |
| Other cashflows from investing activities | -1.88M | -0.08M | - | -0.00M | -0.01M |
| Change to inventory | - | - | - | - | -0.76M |
| Change to account receivables | -0.31M | -0.01M | 0.02M | -0.01M | 0.00M |
| Other cashflows from financing activities | 6.15M | 1.01M | 0.03M | 13.50M | 2.99M |
| Change to netincome | - | - | - | 8.30M | 76.94M |
| Capital expenditures | 0.00M | 1.08M | 0.09M | 1.79M | 1.18M |
| Change in working capital | 0.32M | -0.70M | -0.65M | -0.67M | 0.18M |
| Stock based compensation | 0.98M | 1.39M | 3.48M | 7.71M | - |
| Other non cash items | 0.16M | -0.64M | 5.84M | 0.65M | 77.24M |
| Free cash flow | -4.89M | -8.54M | -8.86M | -9.99M | -3.00M |
Sector: Technology Industry: Software - Infrastructure
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| APCX Apptech Corp |
- -% |
0.11 | - | - | 14.95 | 11.66 | 17.83 | -1.77 |
| MSFT Microsoft Corporation |
-12.04 2.26% |
521.12 | 37.32 | 29.94 | 13.03 | 12.45 | 13.06 | 24.59 |
| ORCL Oracle Corporation |
10.40 8.82% |
128.38 | 21.96 | 17.89 | 5.91 | 7.08 | 7.82 | 14.89 |
| CRWD Crowdstrike Holdings Inc |
3.30 1.46% |
229.06 | 4849.80 | 188.68 | 46.01 | 47.24 | 43.89 | 559.34 |
| FTNT Fortinet Inc |
4.55 3.68% |
128.12 | 60.27 | 43.86 | 16.80 | 80.50 | 16.11 | 43.33 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Luke D'Angelo | Exec. Chairman, CEO & Chief Investment Officer | 1969 |
| Mr. Virgilio Llapitan | Pres | 1962 |
| Mr. Gary Wachs | CFO, Treasurer & Director | 1956 |
| Mr. Chad Nelley | Chief Operating Officer | 1972 |
| Mr. Benjamin Jenkins | Chief Technology Officer | 1976 |
| Mr. Marc Evans | Corp. Sec. & Associate | 1970 |
| Ms. Julia Yu | Sr. VP of Corp. Fin. & Accounting | NA |
| Mr. Howard Fish | Director of Sales & Bus. Devel. | NA |
| Ms. Kaylei Wright | Chief of Staff | NA |
| Mr. Bryan Guy J.D. | Sr. VP of Product & Experiences | 1977 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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