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AppTech Payments(OTC) APCX

Current Price$0.26
Market Cap$11.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2005)-100%
5 Year-80%
1 Year+7%
1 Month-25%
AppTech Payments last closing stock price
MetricPriceDate
Last closeUSD 0.262026-07-24
AppTech Payments stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.18%USD 0.252026-07-17
1 month-25.34%USD 0.352026-06-24
3 month-48.44%USD 0.512026-04-24
Year to date-12.03%USD 0.302025-12-31
1 year+7.21%USD 0.252025-07-24
3 year-81.67%USD 1.442022-01-04
5 year-80.3%USD 1.342021-07-23
Since inception-100%USD 234,848.482005-08-29

AppTech Payments Financials at a Glance

Market Cap

$11.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$2.64M

Net Income (TTM)

-$8.59M

EPS (TTM)

-$0.23

P/E Ratio

-1.19

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$0.26

Volume

5,204

Open

$0.25

Previous Close

$0.26

Daily Range

$0.25 - $0.26

52-Week Range

$0.12 - $0.60

Estimated Earnings Date

Aug 19, 2026

APCX News

No articles available.

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About AppTech Payments

AppTech helps businesses accept digital payments like credit cards and mobile wallets. Its services let stores and online shops process cashless transactions quickly. The company’s tools make it easier for merchants to manage payments and banking tasks.

Products and Services

  • Merchant Processing: Enables businesses to accept credit cards and bank transfers.
  • Digital & Mobile Payments: Lets merchants accept payments through mobile devices and alternative methods.
  • Payments-as-a-Service (PaaS): Offers tools for electronic billing, text-to-pay, and eCheck processing.
  • Banking-as-a-Service (BaaS): Provides digital banking tools and automated onboarding for business clients.
  • FinZeo Platform: Modular, cloud-based system for customized payment and banking solutions.

Growth and Expansion

  • Acquired Alliance Partners in October 2023, gaining new technology and staff.
  • Launched the FinZeo platform following the October 2023 acquisition of Alliance Partners, expanding digital payment and banking services.
  • Entered licensing agreements with InstaCash (ended December 2024) and PayToMe.co (equity stake pending).
  • Reorganized senior leadership and initiated actions to reduce indebtedness in late 2024 to improve the financial condition of the company.

What Makes AppTech Stand Out

AppTech’s FinZeo platform allows businesses to tailor payment and banking tools to their needs. The company focuses on serving merchants, software vendors, and sales organizations. Its modular system supports both off-the-shelf and custom solutions for digital payments.

Five Things You Need to Know

  • Q2 2025 revenue was $291,000, up 283% from Q2 2024.
  • Net loss for Q2 2025 was $(1.86) million, improving 36.3% year-over-year.
  • Two customers made up 66% of revenue in the first half of 2025.
  • Cash and cash equivalents were $138,000 as of June 30, 2025.
  • AppTech was delisted from NASDAQ and moved to OTCQB in May 2025.

Bottom Line

AppTech has shifted its focus to digital payment and banking solutions for U.S. businesses. The company faces ongoing financial challenges but continues to adapt its offerings and structure.

AI Generated • Apr 16, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

6

CEO

Thomas DeRosa

Website

www.apptechcorp.com

Headquarters

Carlsbad, CA 92008, US

APCX Financials

Key Financial Metrics (TTM)

Gross Margin

56.66%

Operating Margin

-294.91%

Net Income Margin

-325.88%

Return on Equity

-559.32%

Return on Capital

-154.08%

Return on Assets

-93.99%

Earnings Yield

-84.03%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$11.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

42.00M

Volume

5.20K

Avg. Volume

77.87K

Financials (TTM)

Gross Profit

$1.49M

Operating Income

-$7.77M

EBITDA

-$7.00M

Operating Cash Flow

-$4.00M

Capital Expenditure

$0.00

Free Cash Flow

-$4.00M

Cash & ST Invst.

$110.00K

Total Debt

$3.93M

AppTech Payments Performance Analysis

AppTech Payments annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 450,00027.2%
20232023-12-31USD 504,00012.0%
20242024-12-31USD 276,000-45.2%
20252025-12-31USD 1,395,000405.4%
AppTech Payments sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3034.1%
Q32025-09-30-22.0%
Q42025-12-31190.7%
Q12026-03-31120.8%
AppTech Payments annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -1.00-85.3%
20232023-12-31USD -1.010.7%
20242024-12-31USD -0.35-65.0%
20252025-12-31USD -0.23-35.8%
AppTech Payments sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3024.1%
Q32025-09-3014.3%
Q42025-12-313.5%
Q12026-03-31-98.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$1.46M

+571.4%

Gross Profit

$811.00K

+811.2%

Gross Margin

55.66%

N/A

Market Cap

$11.34MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.89M

N/A

Employees

6

N/A

Net Income

-$3.31M

-25.3%

EBITDA

-$2.67M

-19.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$110.00K

-73.6%

Total Debt

$3.93M

+2947.3%

Accounts Receivable

$716.00K

+723.0%

Inventory

$0.00

N/A

Long Term Debt

$2.16M

+3436.1%

Short Term Debt

$1.77M

+1204.4%

Return on Assets

-93.99%

N/A

Return on Invested Capital

-3.17%

N/A

Free Cash Flow

-$913.00K

+49.3%

Operating Cash Flow

-$913.00K

+49.3%

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Questions About APCX

What is the current price of AppTech Payments?

AppTech Payments is trading at $0.26 per share.

What is the 52-week range for AppTech Payments?

Over the past 52 weeks, AppTech Payments has traded between $0.12 and $0.60.

How much debt does AppTech Payments have?

As of the most recent reporting period, AppTech Payments reported total debt of $3.93M.

How much cash does AppTech Payments have on hand?

AppTech Payments reported $110.00K in cash and cash equivalents in its most recent financial results.

What is AppTech Payments’s dividend yield?

AppTech Payments does not currently have a dividend yield.

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