AppTech Payments

APCX

Software - Infrastructure · Technology

Price

$0.25

-0.00 (-0.63%)

Market Cap

$10.6M

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Share count rising — dilution

+195.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 11.4M (2021) → 33.6M (2025)

AppTech Payments Corp. is a small financial technology company that builds software to help businesses accept digital payments. Its products include mobile payment tools and messaging-based commerce platforms aimed at small and mid-sized businesses. The company operates in the crowded payments software industry, competing against much larger players like Square and Stripe.

AppTech earns revenue through software licenses and transaction-based fees when businesses use its payment tools. It is a very small company based in the United States, with a market cap that rounds to essentially zero, meaning it has minimal scale compared to industry peers. The deeply negative operating margin shows the company is spending far more than it earns, which is the central risk — it must find a way to grow revenue significantly or it may struggle to survive as an independent business.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+571.4% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-1.3% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$2M/ year

↑ Rising (+19% vs prior year)

168.2% of revenue

11.2x the sector average (15%)

Investing heavily in future products and technology

Insider Activity

18.2%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Runway

~0 months

$110,000 cash & investments

Short runway — potential dilution ahead through share issuance

Revenue accelerating

AppTech Payments grew revenue 571% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

55.7%

Premium pricing power — 55.7% gross margin

Operating Margin

-195.5%

Losing money on operations — -195.5%

ROCE

-67.4%

Weak — -67.4% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+579.1%

Fast-growing sales (579.1% YoY)

EPS YoY

N/A

—

Data not available

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

N/A

—

Data not available

FCF Margin

-151.8%

Burning cash (-151.8%)

Free cash flow is negative. They are burning cash, not generating it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

13.24

Heavy debt load (13.24)

Interest Cover

N/A

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

N/M

—

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial