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APCX

AppTech Payments Corp.

APCX

AppTech Payments Corp. • NASDAQ
$0.45 ▲ 0.45% (+0.00)
Market Cap $17.54 M
52w High $1.49
52w Low $0.06
Dividend Yield 0%
P/E -2.14
Volume 10.37K
Outstanding Shares 38.98M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $227K ▼ $1.698M ▼ $-1.731M ▲ -762.555% ▼ $-0.051 ▲ $-1.714M ▼
Q2-2025 $291K ▲ $2.065M ▼ $-1.86M ▲ -639.175% ▲ $-0.06 ▲ $-1.534M ▲
Q1-2025 $217K ▲ $2.745M ▲ $-2.641M ▼ -1.217K% ▲ $-0.079 ▼ $-2.229M ▼
Q4-2024 $52K ▲ $1.824M ▼ $-949K ▲ -1.825K% ▲ $-0.029 ▲ $28K ▲
Q3-2024 $43K $1.869M $-2.025M -4.709K% $-0.079 $-1.661M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $439K ▲ $6.246M ▼ $60K ▼ $1.416M ▼
Q2-2025 $138K ▼ $6.486M ▼ $3.951M ▲ $2.535M ▼
Q1-2025 $417K ▼ $6.911M ▼ $3.249M ▼ $3.662M ▼
Q4-2024 $868K ▲ $8.986M ▲ $3.519M ▼ $5.467M ▲
Q3-2024 $104K $6.614M $5.215M $1.399M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $1.86M ▲ $-749K ▲ $0 $1.05M ▲ $0 ▲ $-749K ▲
Q2-2025 $-1.86M ▼ $-1.279M ▲ $0 $1M ▼ $-279K ▲ $-1.279M ▲
Q1-2025 $0 ▲ $-1.801M ▲ $0 ▲ $1.35M ▼ $-451K ▼ $-1.801M ▲
Q4-2024 $-949K ▲ $-2.489M ▼ $-592K ▼ $3.845M ▲ $764K ▲ $-3.013M ▼
Q3-2024 $-2.025M $-1.067M $-567K $1.722M $88K $-1.067M

Five-Year Company Overview

Income Statement

Income Statement AppTech appears to still be in a pre‑revenue or very early commercialization stage. The company has reported essentially no meaningful revenue over the past several years while consistently recording operating and net losses. The losses themselves are relatively small in absolute terms and seem to be narrowing, which suggests some cost control, but the business model has not yet shown proof of revenue scale or profitability. Overall, the income statement looks like that of an early-stage platform still investing ahead of meaningful sales traction.

Balance Sheet

Balance Sheet The balance sheet is very small and quite thin. Total assets are limited, with little to no reported cash and no material debt, and shareholder equity has hovered close to zero, occasionally dipping negative. This points to a fragile financial base and limited shock-absorbing capacity. Any growth, product build-out, or acquisition strategy likely depends heavily on external funding, equity issuance, or partnerships rather than existing internal resources.

Cash Flow

Cash Flow Cash flow from operations has been consistently negative, reflecting ongoing spending without offsetting revenue inflows. The cash burn appears modest in size but persistent, and there is essentially no investment in physical assets, which fits with a software and IP-heavy model. Overall, the company is using cash rather than generating it, and its ability to fund operations relies on access to outside capital rather than self-sustaining cash flows at this stage.

Competitive Edge

Competitive Edge AppTech is trying to carve out a position in the crowded fintech and payments space by offering a unified commerce and Banking‑as‑a‑Service platform instead of standalone payment tools. Its notable strength is an unusually large and cited patent portfolio in mobile payments and geolocation, which can provide some protection against direct imitation and create licensing opportunities. Partnerships with larger infrastructure players and a focus on white‑label and specialty payment solutions give it differentiated angles. However, it still competes against much larger, well‑funded incumbents, and its current lack of scale or visible revenue base makes its long‑term competitive position unproven.

Innovation and R&D

Innovation and R&D Innovation is the clear focus. The Commerse platform aims to combine digital banking, merchant services, and mobile payments into a single, customizable stack delivered via APIs and white‑label offerings. The patented Text2Pay technology and the broader IP portfolio provide unique features and potential leverage in negotiations with partners. The acquisition and integration of InfinitusPay are intended to deepen the Banking‑as‑a‑Service offering and accelerate product development. Overall, the company looks R&D‑heavy and IP‑rich, but it is still early in translating these innovations into broad market adoption and recurring revenue.

Summary

AppTech Payments sits at an early, high‑risk, high‑uncertainty stage: it has an ambitious unified payments and BaaS strategy, a sizable and well‑cited patent portfolio, and recent moves to strengthen its product set through acquisition. At the same time, the financials show no meaningful revenue yet, ongoing but narrowing losses, a very thin balance sheet, and continued cash burn. Future outcomes will depend heavily on whether the company can successfully integrate its acquisitions, commercialize its platforms at scale, monetize its intellectual property, and secure sufficient funding to bridge the gap between development and sustainable, cash‑generating operations.

NEWS

November 6, 2025 · 9:00 AM UTC

AppTech Payments Corp. Highlights Q3 2025 Financial and Strategic Developments

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November 5, 2025 · 9:00 AM UTC

AppTech Announces the Strategic Acquisition of Infinitus Pay

Read more