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APPTECH PAYMENTS CORP (APCX) Stock Fundamental Analysis

NASDAQ:APCX - Nasdaq - US03834B3096 - Common Stock - Currency: USD

0.3715  +0.03 (+9.26%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to APCX. APCX was compared to 101 industry peers in the Financial Services industry. APCX may be in some trouble as it scores bad on both profitability and health. APCX does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

APCX had negative earnings in the past year.
APCX had a negative operating cash flow in the past year.
APCX had negative earnings in each of the past 5 years.
In the past 5 years APCX always reported negative operating cash flow.
APCX Yearly Net Income VS EBIT VS OCF VS FCFAPCX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 -20M -40M -60M

1.2 Ratios

APCX's Return On Assets of -99.58% is on the low side compared to the rest of the industry. APCX is outperformed by 96.04% of its industry peers.
APCX has a worse Return On Equity (-163.67%) than 91.09% of its industry peers.
Industry RankSector Rank
ROA -99.58%
ROE -163.67%
ROIC N/A
ROA(3y)-153.46%
ROA(5y)-522.25%
ROE(3y)-280.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
APCX Yearly ROA, ROE, ROICAPCX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -50K -100K -150K

1.3 Margins

With an excellent Gross Margin value of 81.16%, APCX belongs to the best of the industry, outperforming 90.10% of the companies in the same industry.
APCX's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for APCX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 81.16%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.41%
GM growth 5Y7.06%
APCX Yearly Profit, Operating, Gross MarginsAPCX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 -5K -10K -15K -20K

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2. Health

2.1 Basic Checks

APCX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for APCX has been increased compared to 1 year ago.
The number of shares outstanding for APCX has been increased compared to 5 years ago.
APCX has a better debt/assets ratio than last year.
APCX Yearly Shares OutstandingAPCX Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
APCX Yearly Total Debt VS Total AssetsAPCX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

2.2 Solvency

APCX has an Altman-Z score of -27.96. This is a bad value and indicates that APCX is not financially healthy and even has some risk of bankruptcy.
APCX has a worse Altman-Z score (-27.96) than 82.18% of its industry peers.
A Debt/Equity ratio of 0.01 indicates that APCX is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.01, APCX belongs to the best of the industry, outperforming 88.12% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Altman-Z -27.96
ROIC/WACCN/A
WACC16.28%
APCX Yearly LT Debt VS Equity VS FCFAPCX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 5M -5M

2.3 Liquidity

A Current Ratio of 0.70 indicates that APCX may have some problems paying its short term obligations.
APCX's Current ratio of 0.70 is in line compared to the rest of the industry. APCX outperforms 41.58% of its industry peers.
A Quick Ratio of 0.70 indicates that APCX may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.70, APCX is in line with its industry, outperforming 41.58% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.7
Quick Ratio 0.7
APCX Yearly Current Assets VS Current LiabilitesAPCX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 64.17% over the past year.
The Revenue for APCX has decreased by -44.91% in the past year. This is quite bad
APCX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.20% yearly.
EPS 1Y (TTM)64.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%78.77%
Revenue 1Y (TTM)-44.91%
Revenue growth 3Y-7.61%
Revenue growth 5Y1.2%
Sales Q2Q%-63.12%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
APCX Yearly Revenue VS EstimatesAPCX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
APCX Yearly EPS VS EstimatesAPCX Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 -0.2 -0.4 -0.6 -0.8 -1

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4. Valuation

4.1 Price/Earnings Ratio

APCX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
APCX Price Earnings VS Forward Price EarningsAPCX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
APCX Per share dataAPCX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 -0.1 -0.2 -0.3

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

APCX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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APPTECH PAYMENTS CORP

NASDAQ:APCX (4/21/2025, 4:17:50 PM)

0.3715

+0.03 (+9.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-27 2025-03-27/amc
Earnings (Next)05-13 2025-05-13
Inst Owners4.33%
Inst Owner Change0%
Ins Owners8.37%
Ins Owner Change0%
Market Cap12.36M
Analysts82.86
Price Target1.53 (311.84%)
Short Float %1%
Short Ratio0.73
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-98.55%
Min Revenue beat(2)-98.86%
Max Revenue beat(2)-98.25%
Revenue beat(4)0
Avg Revenue beat(4)-68.34%
Min Revenue beat(4)-98.86%
Max Revenue beat(4)-28.01%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 44.8
P/FCF N/A
P/OCF N/A
P/B 2.26
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.37
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.26
FCFYN/A
OCF(TTM)-0.22
OCFYN/A
SpS0.01
BVpS0.16
TBVpS-0.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -99.58%
ROE -163.67%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 81.16%
FCFM N/A
ROA(3y)-153.46%
ROA(5y)-522.25%
ROE(3y)-280.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.41%
GM growth 5Y7.06%
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 75.97%
Cap/Sales 391.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.7
Quick Ratio 0.7
Altman-Z -27.96
F-Score5
WACC16.28%
ROIC/WACCN/A
Cap/Depr(3y)170.85%
Cap/Depr(5y)N/A
Cap/Sales(3y)263.15%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)64.17%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%78.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-44.91%
Revenue growth 3Y-7.61%
Revenue growth 5Y1.2%
Sales Q2Q%-63.12%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.84%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y15.83%
OCF growth 3YN/A
OCF growth 5YN/A