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1. Company Snapshot

1.a. Company Description

AppTech Payments Corp., a financial technology company, provides electronic payment processing technologies and merchant services in the United States.Its merchant services offer financial processing for businesses to accept cashless and/or contactless payments, such as credit cards, automatic clearing house, wireless payments, and others.In addition, the company offers integrated solutions for frictionless digital and mobile payment acceptance, including acceptance of alternative payment methods, as well as multi-use case, multi-channel, API-driven, and account-based issuer processing for card, digital tokens, and payment transfer transaction services.


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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1.b. Last Insights on APCX

AppTech Payments Corp. recent performance was negatively driven by a significant operating loss of $2.1 million in Q4 2024, widening from a $3.4 million loss in the same quarter of 2023. The company's equity deficiency and ongoing Nasdaq listing risks, despite receiving an extension until March 31, 2025, have added to the uncertainty. Additionally, the CEO and CFO changes in December 2024, and the recent $5 million common equity raise at a low price of $0.96 per share, have raised concerns about the company's financial health and leadership stability."

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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SeaChange International (NASDAQ:SEAC) versus AppTech Payments (NASDAQ:APCX) Financial Review

Nov -22

Source: defenseworld.net

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AppTech Payments Corp. Highlights Q3 2025 Financial and Strategic Developments

Nov -06

Source: globenewswire.com

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AppTech Announces the Strategic Acquisition of Infinitus Pay

Nov -05

Source: globenewswire.com

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AppTech Payments (NASDAQ:APCX) vs. Presto Automation (NASDAQ:PRST) Financial Review

Oct -23

Source: defenseworld.net

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AppTech Payments Corp. Highlights Q2 2025 Financial and Strategic Developments

Aug -14

Source: globenewswire.com

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AppTech Board Member Discloses Significant Common Stock Purchase

May -22

Source: globenewswire.com

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AppTech Payments Corp. Begins Trading on OTCQB® and has Director and Officer Departures

May -20

Source: globenewswire.com

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AppTech Payments Corp. Highlights Q1 2025 Financial and Strategic Developments

May -15

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (11.40%)

6. Segments

Payment Processing and Digital Banking Technologies

Expected Growth: 11.4%

AppTech Payments Corp.'s 11.4% growth in Payment Processing and Digital Banking Technologies is driven by increasing adoption of contactless payments, rising e-commerce transactions, and growing demand for digital banking services. Additionally, the company's innovative solutions, strategic partnerships, and expanding global presence contribute to its rapid growth.

7. Detailed Products

Digital Banking

A comprehensive digital banking platform that enables users to manage their finances, make transactions, and access financial services remotely.

Payment Gateway

A secure online payment processing system that enables merchants to accept payments from customers through various payment methods.

Merchant Services

A suite of services that enables businesses to accept in-person payments, manage transactions, and optimize payment processing.

Digital Wallets

A digital wallet solution that enables users to store payment information, make transactions, and manage loyalty programs.

Loyalty and Rewards

A loyalty and rewards program that enables businesses to incentivize customers, track rewards, and manage loyalty programs.

Fraud Prevention

A fraud prevention system that detects and prevents fraudulent transactions, protecting businesses and customers from financial loss.

Data Analytics

A data analytics platform that provides insights into customer behavior, transaction trends, and business performance.

8. AppTech Payments Corp.'s Porter Forces

Forces Ranking

Threat Of Substitutes

AppTech Payments Corp. operates in a highly competitive industry, and there are many substitutes available to customers. However, the company's strong brand recognition and customer loyalty mitigate the threat of substitutes to some extent.

Bargaining Power Of Customers

AppTech Payments Corp.'s customers have significant bargaining power due to the availability of alternative payment options. The company needs to focus on providing excellent customer service and competitive pricing to retain customers.

Bargaining Power Of Suppliers

AppTech Payments Corp. has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong relationships with suppliers also help to mitigate any potential disruptions.

Threat Of New Entrants

While there are barriers to entry in the payment processing industry, new entrants can still disrupt the market. AppTech Payments Corp. needs to focus on innovation and differentiation to stay ahead of potential new entrants.

Intensity Of Rivalry

The payment processing industry is highly competitive, with many established players and new entrants vying for market share. AppTech Payments Corp. needs to focus on differentiating itself through innovative products and services to stay competitive.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 3.32%
Debt Cost 3.95%
Equity Weight 96.68%
Equity Cost 8.90%
WACC 8.73%
Leverage 3.43%

11. Quality Control: AppTech Payments Corp. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Glimpse Group

A-Score: 4.8/10

Value: 7.4

Growth: 6.6

Quality: 4.5

Yield: 0.0

Momentum: 10.0

Volatility: 0.3

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Kaltura

A-Score: 4.3/10

Value: 6.9

Growth: 5.6

Quality: 5.2

Yield: 0.0

Momentum: 6.0

Volatility: 2.3

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Bakkt Holdings

A-Score: 4.3/10

Value: 8.4

Growth: 3.7

Quality: 3.9

Yield: 0.0

Momentum: 9.5

Volatility: 0.0

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Edgio

A-Score: 3.7/10

Value: 9.6

Growth: 3.7

Quality: 3.8

Yield: 0.0

Momentum: 5.0

Volatility: 0.0

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Cerberus Sentinel

A-Score: 3.4/10

Value: 7.6

Growth: 3.3

Quality: 2.8

Yield: 0.0

Momentum: 6.5

Volatility: 0.3

1-Year Total Return ->

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AppTech Payments

A-Score: 2.1/10

Value: 7.0

Growth: 1.4

Quality: 4.2

Yield: 0.0

Momentum: 0.0

Volatility: 0.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

0.42$

Current Price

0.42$

Potential

-0.00%

Expected Cash-Flows