Apptech Payments Corp.

Technology
Computer Software: Prepackaged Software
www.apptechcorp.com

Moat Score

Market Cap $10.73M
PE -1
Debt $687.00K
Cash $104.00K
EV $11.31M
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	-$11.39M
EBIT	-$11.16M
ROE	-814%
ROA	-169%
Equity	$1.40M
Growth Stability	1
PE	-0.94
PB	7.67
P/S	29.39
Price/Cash	0.01
Debt/Equity	0.49
Net Margins	-4K%
Gross Margins	79%
Op. Margins	-3K%
Sales Growth YoY	-69%
Sales Growth QoQ	-43%
Sales CAGR	-8%
Equity CAGR	22%
Earnings Growth YoY	-29%
Earnings Growth QoQ	-30%

Sales CAGR 5Y	-10%
Equity CAGR 5Y	40%
Earnings CAGR 3Y	24%
Sales CAGR 3Y	24%
Equity CAGR 3Y	36%
Market Cap	$10.73M
Revenue	$365.00K
Assets	$6.61M
Total Debt	$687.00K
Cash	$104.00K
Shares Outstanding	24.41M
EV	11.31M
Moat Score	0%
Working Capital	-4.84M
Current Ratio	0.06
Gross Profit	$288.00K
Shares Growth 3y	24%
Equity Growth QoQ	-20%
Equity Growth YoY	71%

Assets & ROA

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Stockholders Equity & ROE

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AppTech Payments Corp is a FinTech company utilizing innovative payment processing and digital banking technologies to complement core merchant services capabilities. The company's patented and proprietary software will provide progressive and adaptable products that are available through a suite of synergistic offerings directly to merchants, banking institutions, and business enterprises. It is developing a secure digital payments and banking platform that powers commerce experiences for clients and customers. Based upon industry standards for payment and banking protocols, it will offer standalone products and fully integrated solutions that deliver innovative, unparalleled payments, banking, and financial services experiences.

SEC Filings

Direct access to Apptech Payments Corp. (APCX) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Apptech Payments Corp. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Apptech Payments Corp. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Apptech Payments Corp. Discounted Cash Flow

Fully customizable DCF calculator online for Apptech Payments Corp..

Years

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	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-989%	-524%	-1K%	-22K%	-4M%	-4K%	-4K%
ROA	-	-1K%	-951%	-1K%	130%	-222%	-169%
ROE	-	18%	51%	-180K%	-219K%	-460%	-814%

Bad Net Margins (-3.57K%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-0	-
Debt over Equity	-0.16	-0.15	-0.14	15.56	0.14	0	0.49
Growth Stability	-	-	-	-	-	-	1

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (0.49)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	1%	29%	7%	-100%	112K%	-10%
Earnings YoY growth	-	-47%	212%	2K%	-79%	18%	-
Equity YoY growth	-	6%	10%	-101%	-83%	56K%	40%
FCF YoY growth	-	-	-	-	-	-143K%	-