Apptech Paym Financials
Apptech Paym (APCXW) reported $4.0M in revenue over the twelve months to Jun 30, 2026, up 563.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
AppTech’s dominant mechanic is financing a still-subscale payments platform with outside capital while revenue lags fixed operating needs.
The key shift is that FY2025 revenue reached$1.4M while operating cash flow remained-$4.9M , so better sales have not yet translated into a self-funding model. Even after raising$6.1M of financing cash, liquidity still thinned, which shows scale is improving faster than cash conversion and external capital is still covering the gap.
The sales rebound came with a gross-margin reset from
Liquidity remains the tightest operating constraint: year-end cash was only
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Apptech Paym's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Apptech Paym's reported operating margin for fiscal year 2025 is below the lowest share of revenue this page publishes, so the figure is not shown here. This dimension scores 4/100.
Not available for Apptech Paym, and counted as zero in the overall score.
Apptech Paym has elevated debt relative to equity (D/E of 3.96), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 15/100, reflecting increased financial risk.
Apptech Paym's current ratio of 0.14 is below the typical benchmark, resulting in a score of 1/100. This tight liquidity could limit financial flexibility if cash inflows slow.
Not available for Apptech Paym, and counted as zero in the overall score.
Apptech Paym posts a -418.4% return on equity (ROE), meaning it loses $418 for every $100 of shareholders' equity. This results in a returns score of 1/100. This is down from -163.3% the prior year.
Apptech Paym passes 3 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.
Apptech Paym reported a net loss of $7.9M while operations used $4.9M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Apptech Paym reported an operating loss of $7.6M against $121K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
Apptech Paym generated $1.4M in revenue in fiscal year 2025. This represents an increase of 405.4% from the prior year.
Apptech Paym reported -$7.9M in net income in fiscal year 2025. This represents an increase of 11.3% from the prior year.
Apptech Paym earned -$0.23 per diluted share (EPS) in fiscal year 2025. This represents an increase of 34.3% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Apptech Paym held $244K in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Apptech Paym's gross margin was 55.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 25.9 percentage points from the prior year.
Apptech Paym's ROE was -418.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 255.0 percentage points from the prior year.
Not shown for fiscal year 2025: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Not shown for fiscal year 2025: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Apptech Paym invested $2.3M in research and development in fiscal year 2025. This represents an increase of 18.7% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
APCXW Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.7M+13.7% | $1.5M+120.8% | $660K+190.7% | $227K-22.0% | $291K+34.1% | $217K+317.3% | $52K+20.9% | $43K |
| Cost of Revenue | $772K+19.5% | $646K+123.5% | $289K+189.0% | $100K-6.5% | $107K-16.4% | $128K+4166.7% | $3K-87.5% | $24K |
| Gross Profit | $885K+9.1% | $811K+118.6% | $371K+192.1% | $127K-31.0% | $184K+106.7% | $89K+81.6% | $49K+157.9% | $19K |
| R&D Expenses | $332K-11.5% | $375K+13.0% | $332K+2.2% | $325K-64.3% | $910K+16.7% | $780K+11.7% | $698K+34800.0% | $2K |
| SG&A Expenses | $1.4M-56.1% | $3.3M+117.5% | $1.5M+10.0% | $1.4M+18.9% | $1.2M-41.2% | $2.0M+74.5% | $1.1M-39.7% | $1.9M |
| Operating Income | -$888K+68.8% | -$2.8M-93.6% | -$1.5M+6.4% | -$1.6M+16.5% | -$1.9M+29.2% | -$2.7M-49.6% | -$1.8M+4.1% | -$1.9M |
| Interest Expense | $209K+6.6% | $196K | N/A | N/A | -$26K-178.8% | $33K+222.2% | -$27K-250.0% | $18K |
| Income Tax | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Income | -$1.0M+69.4% | -$3.3M-96.0% | -$1.7M+2.5% | -$1.7M+6.9% | -$1.9M+29.6% | -$2.6M-179.2% | -$946K+53.3% | -$2.0M |
| EPS (Diluted) | -$0.02+75.0% | -$0.08-100.0% | -$0.04+20.0% | -$0.05+16.7% | -$0.06+25.0% | -$0.08-300.0% | -$0.02 | -$0.08 |
APCXW Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.9M-2.1% | $9.1M-2.7% | $9.4M+50.4% | $6.2M-3.7% | $6.5M-6.1% | $6.9M-23.1% | $9.0M+35.9% | $6.6M |
| Current Assets | $980K-10.1% | $1.1M+19.1% | $915K+61.9% | $565K+42.3% | $397K-46.3% | $739K-69.5% | $2.4M+675.6% | $312K |
| Cash & Equivalents | $183K+66.4% | $110K-54.9% | $244K-44.4% | $439K+218.1% | $138K-66.9% | $417K-52.0% | $868K+734.6% | $104K |
| Accounts Receivable | $482K-27.5% | $665K+90.0% | $350K+264.6% | $96K+11.6% | $86K-1.1% | $87K+102.3% | $43K+258.3% | $12K |
| Goodwill | $3.0M0.0% | $3.0M0.0% | $3.0M+154.6% | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M0.0% | $1.2M |
| Total Liabilities | $9.4M+6.1% | $8.8M+17.9% | $7.5M+55.3% | $4.8M+22.2% | $4.0M+21.6% | $3.2M-7.7% | $3.5M-32.5% | $5.2M |
| Current Liabilities | $6.8M+1.9% | $6.7M+3.7% | $6.4M+35.0% | $4.8M+22.6% | $3.9M+22.1% | $3.2M-7.3% | $3.4M-33.2% | $5.2M |
| Total Equity | -$431K-245.1% | $297K-84.3% | $1.9M+33.7% | $1.4M-44.1% | $2.5M-30.8% | $3.7M-33.0% | $5.5M+290.8% | $1.4M |
| Retained Earnings | -$180.9M-0.6% | -$179.9M-1.9% | -$176.6M-1.0% | -$174.9M-1.0% | -$173.2M-1.1% | -$171.3M-1.6% | -$168.7M-0.6% | -$167.7M |
Not reported in any period shown, so not listed: Inventory, Long-Term Debt.
APCXW Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$776K+15.0% | -$913K+13.9% | -$1.1M-41.5% | -$749K+41.4% | -$1.3M+29.0% | -$1.8M+27.6% | -$2.5M-133.3% | -$1.1M |
| Investing Cash Flow | -$1K | $0+100.0% | -$1.9M | $0 | $0 | $0+100.0% | -$592K-4.4% | -$567K |
| Financing Cash Flow | $850K+9.1% | $779K-71.7% | $2.7M+161.8% | $1.1M+5.0% | $1.0M-25.9% | $1.4M-64.9% | $3.8M+123.3% | $1.7M |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
APCXW Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.4%-2.2pp | 55.7%-0.6pp | 56.2%+0.3pp | 56.0%-7.3pp | 63.2%+22.2pp | 41.0%-53.2pp | 94.2%+50.0pp | 44.2% |
| Operating Margin | -53.6% | -195.5% | -222.9% | -692.1% | -646.4% | -1224.0% | -3413.5% | -4302.3% |
| Net Margin | -61.1% | -227.0% | -255.8% | -762.6% | -639.2% | -1217.0% | -1819.2% | -4709.3% |
| Return on Equity | N/A | -1113.8%-1024.6pp | -89.2%+33.1pp | -122.2%-48.9pp | -73.4%-1.3pp | -72.1%-54.8pp | -17.3%+127.4pp | -144.8% |
| Return on Assets | -11.3%+24.9pp | -36.2%-18.2pp | -18.0%+9.7pp | -27.7%+1.0pp | -28.7%+9.5pp | -38.2%-27.7pp | -10.5%+20.1pp | -30.6% |
| Current Ratio | 0.140.0x | 0.160.0x | 0.140.0x | 0.120.0x | 0.10-0.1x | 0.23-0.5x | 0.70+0.6x | 0.06 |
| Debt-to-Equity | N/A | 29.76+25.8x | 3.96+0.6x | 3.41+1.9x | 1.56+0.7x | 0.89+0.2x | 0.64-3.1x | 3.73 |
Not reported in any period shown, so not listed: FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin.
Note: The current ratio is below 1.0 (0.14), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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Where Apptech Paym Ranks
Frequently Asked Questions
What is Apptech Paym's annual revenue?
Apptech Paym (APCXW) reported $1.4M in total revenue for fiscal year 2025. This represents a 405.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Apptech Paym's revenue growing?
Apptech Paym (APCXW) revenue grew by 405.4% year-over-year, from $276K to $1.4M in fiscal year 2025.
Is Apptech Paym profitable?
No, Apptech Paym (APCXW) reported a net income of -$7.9M in fiscal year 2025.
What is Apptech Paym's gross margin?
Apptech Paym (APCXW) had a gross margin of 55.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Apptech Paym's return on equity (ROE)?
Apptech Paym (APCXW) has a return on equity of -418.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Apptech Paym's operating cash flow?
Apptech Paym (APCXW) recorded an outflow of $4.9M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are Apptech Paym's total assets?
Apptech Paym (APCXW) had $9.4M in total assets as of fiscal year 2025, including both current and long-term assets.
How much does Apptech Paym spend on research and development?
Apptech Paym (APCXW) invested $2.3M in research and development during fiscal year 2025.
What is Apptech Paym's current ratio?
Apptech Paym (APCXW) had a current ratio of 0.14 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is Apptech Paym's debt-to-equity ratio?
Apptech Paym (APCXW) had a debt-to-equity ratio of 3.96 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Apptech Paym's return on assets (ROA)?
Apptech Paym (APCXW) had a return on assets of -84.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Apptech Paym's Piotroski F-Score?
Apptech Paym (APCXW) has a Piotroski F-Score of 3 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Apptech Paym's earnings high quality?
Apptech Paym (APCXW) reported a net loss of $7.9M while operations used $4.9M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Apptech Paym cover its interest payments?
Apptech Paym (APCXW) reported an operating loss of $7.6M against $121K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Apptech Paym?
Apptech Paym (APCXW) scores 4 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.