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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Material risks include limited and potentially outdated disclosure, low liquidity and high share-price volatility, potential absence of audited financial statements, significant financing and execution risk and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 |
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