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APPTECH PAYMENTS CORP (APCX) Stock Fundamental Analysis

NASDAQ:APCX - Nasdaq - US03834B3096 - Common Stock

0.4743  0 (-0.25%)

After market: 0.4615 -0.01 (-2.7%)

Fundamental Rating

1

APCX gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and financial health of APCX have multiple concerns. APCX does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year APCX has reported negative net income.
APCX had a negative operating cash flow in the past year.
In the past 5 years APCX always reported negative net income.
APCX had a negative operating cash flow in each of the past 5 years.
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 -20M -40M -60M

1.2 Ratios

The Return On Assets of APCX (-172.15%) is worse than 99.01% of its industry peers.
Looking at the Return On Equity, with a value of -813.87%, APCX is doing worse than 96.04% of the companies in the same industry.
Industry RankSector Rank
ROA -172.15%
ROE -813.87%
ROIC N/A
ROA(3y)-469.69%
ROA(5y)-837.34%
ROE(3y)-66268%
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 0 -50K -100K -150K

1.3 Margins

Looking at the Gross Margin, with a value of 78.90%, APCX belongs to the top of the industry, outperforming 87.13% of the companies in the same industry.
In the last couple of years the Gross Margin of APCX has remained more or less at the same level.
APCX does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 78.9%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.99%
GM growth 5Y0.95%
APCX Yearly Profit, Operating, Gross MarginsAPCX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 0 -5K -10K -15K -20K

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2

2. Health

2.1 Basic Checks

APCX does not have a ROIC to compare to the WACC, probably because it is not profitable.
APCX has more shares outstanding than it did 1 year ago.
APCX has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, APCX has an improved debt to assets ratio.
APCX Yearly Shares OutstandingAPCX Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M
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 2M 4M 6M 8M 10M

2.2 Solvency

APCX has an Altman-Z score of -40.38. This is a bad value and indicates that APCX is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of APCX (-40.38) is worse than 81.19% of its industry peers.
APCX has a Debt/Equity ratio of 0.05. This is a healthy value indicating a solid balance between debt and equity.
APCX has a Debt to Equity ratio of 0.05. This is amongst the best in the industry. APCX outperforms 84.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Altman-Z -40.38
ROIC/WACCN/A
WACC15.54%
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 0 5M -5M

2.3 Liquidity

APCX has a Current Ratio of 0.06. This is a bad value and indicates that APCX is not financially healthy enough and could expect problems in meeting its short term obligations.
APCX has a Current ratio of 0.06. This is in the lower half of the industry: APCX underperforms 79.21% of its industry peers.
APCX has a Quick Ratio of 0.06. This is a bad value and indicates that APCX is not financially healthy enough and could expect problems in meeting its short term obligations.
APCX has a worse Quick ratio (0.06) than 79.21% of its industry peers.
Industry RankSector Rank
Current Ratio 0.06
Quick Ratio 0.06
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 2M 4M 6M 8M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 57.28% over the past year.
APCX shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -22.34%.
APCX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.05% yearly.
EPS 1Y (TTM)57.28%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.47%
Revenue 1Y (TTM)-22.34%
Revenue growth 3Y15.16%
Revenue growth 5Y15.05%
Sales Q2Q%-71.43%

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 Y70.3%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1287.72%
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 2017 2018 2019 2020 2021 2022 2023 2024 -0.2 -0.4 -0.6 -0.8 -1

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for APCX. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for APCX. No positive earnings are expected for the next year.
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 5 10 15 20 25

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 -0.2 -0.3 -0.4

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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0

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 (1/21/2025, 8:00:00 PM)

After market: 0.4615 -0.01 (-2.7%)

0.4743

0 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-14 2024-11-14/bmo
Earnings (Next)N/A N/A
Inst Owners5.21%
Inst Owner Change6.57%
Ins Owners5.69%
Ins Owner Change0%
Market Cap13.11M
Analysts82.86
Price Target1.53 (222.58%)
Short Float %0.67%
Short Ratio0.03
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)1
Avg EPS beat(2)-14.38%
Min EPS beat(2)-30.72%
Max EPS beat(2)1.96%
EPS beat(4)2
Avg EPS beat(4)-8.25%
Min EPS beat(4)-30.72%
Max EPS beat(4)1.96%
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)-73.25%
Min Revenue beat(2)-98.25%
Max Revenue beat(2)-48.26%
Revenue beat(4)0
Avg Revenue beat(4)-44.12%
Min Revenue beat(4)-98.25%
Max Revenue beat(4)-1.96%
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)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 35.93
P/FCF N/A
P/OCF N/A
P/B 9.37
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.48
EYN/A
EPS(NY)-0.31
Fwd EYN/A
FCF(TTM)-0.28
FCFYN/A
OCF(TTM)-0.26
OCFYN/A
SpS0.01
BVpS0.05
TBVpS-0.18
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -172.15%
ROE -813.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 78.9%
FCFM N/A
ROA(3y)-469.69%
ROA(5y)-837.34%
ROE(3y)-66268%
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 3Y2.99%
GM growth 5Y0.95%
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.05
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 38.58%
Cap/Sales 138.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.06
Quick Ratio 0.06
Altman-Z -40.38
F-Score4
WACC15.54%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)244.97%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)57.28%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%47.47%
EPS Next Y70.3%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-22.34%
Revenue growth 3Y15.16%
Revenue growth 5Y15.05%
Sales Q2Q%-71.43%
Revenue Next Year1287.72%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y21.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.81%
OCF growth 3YN/A
OCF growth 5YN/A