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MARKETS / BALCAO / APCX
BALCAO · SERVICES-PREPACKAGED SOFTWARE · SMALL CAP

AppTech Payments Corp. APCX

8 fiscal years on record · USD · FY2025 reported · SEC filings only
$1.4M
▲ 405.4% YoY
$-7.9M
In brief

What this company does

The objective was not incremental improvement, but a fundamental repositioning of AppTech into a modern fintech infrastructure provider capable of supporting digital banking, embedded finance, and omnichannel payments at scale. To address these needs, AppTech deployed the AppTech Banking Platform, a modern financial services layer licensed and implemented in 2025. The platform enables digital banking capabilities, account-based processing, onboarding, compliance, and financial workflows through a unified, cloud-native architecture. It is designed as a multi-tenant, multi-bank system, allowing AppTech to support multiple financial institutions simultaneously and expand its banking partnerships over time. The Company’s first partner bank is now fully online and accepting clients through the AppTech Banking Platform.

Written from the business description in AppTech Payments Corp.'s annual report to the U.S. Securities and Exchange Commission, filed 31 March 2026. Every sentence was checked against that document before publication.

Growth
USD 1.4M
Revenue, FY2025 · full 8-year series below
Revenue $M Net income $M
FY2025 · Revenue 1.4 · Net income -7.9
-8M-16M20182019202020212022202320242025
Compound annual growth
+45.8%
+33.5%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +33.5% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−568 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -543.3% · Net -567.7%
10000%20000%-10000%-20000%20182019202020212022202320242025
ROE
FY2025 · ROE -215.2%
-200000%-400000%20182019202020212022202320242025

Each USD of equity lost 215 cents this year.

Cash & shareholders
returned in FY2025 · dividends + net buybacks

Total assetsUSD 9.4M
EquityUSD 1.9M
CashUSD 244,000.00
Current ratio0.14×

Equity funds 20% of total assets.

The 8-year record
8 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 20252024202320222021202020192018
Revenue $B0.00.00.00.00.00.00.00.0
Operating income $B−0.0−0.0−0.0−0.00.0−0.0−0.0−0.0
EBITDA $B······−0.0−0.0
Income tax $B0.00.00.00.0··0.00.0
Net income $B−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0
EPS, diluted $−0.23−0.35−1.01−1.00·−0.05−0.02−0.03
Dividend / sh $········
Payout %········
ROE %−215.2−184.9−318.7−436.0−442650.7···
Shares out B0.040.030.020.020.010.010.080.09

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 39 reconciliationsAUDITED

Reconciled in 8 of 19 fiscal years. 56 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityServices-Prepackaged Software
Listed onOTC market
Incorporated inDelaware
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2018

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