AppTech Payments Reports Strong Q4 Revenue Growth and Secures $1.5 Million Strategic Investment

AppTech Payments (OTCQB: APCX) reported Q4 and full-year 2025 results on Jan 20, 2026.

Rhea-AI Summary

AppTech Payments (OTCQB: APCX) reported Q4 and full-year 2025 results on Jan 20, 2026. For Q4, the company posted an operating loss of $1.3M ($0.04/sh) versus $1.8M ($0.07/sh) in Q4 2024, and revenue of $0.7M compared with $52k a year earlier, driven primarily by the Oct. 31 acquisition of Infinitus Pay. The company said Infinitus Pay has processed more than $450M in transactional volume since joining AppTech. For full-year 2025, revenue was $1.4M versus $278k in 2024; EBITDA was a $5.1M loss, an improvement of $1.6M year-over-year. AppTech also secured $1.5M of additional financing in Q4 with an option to increase to $2.5M.

The company noted ongoing expansion of its fintech integrator network and described Q4 as a potential turning point heading into 2026.

Positive

• Q4 revenue increased to $0.7M from $52k
• Full-year 2025 revenue rose to $1.4M from $278k
• Infinitus Pay processed $450M+ in transactional volume since acquisition
• Secured $1.5M financing with an option to increase to $2.5M
• EBITDA loss improved by $1.6M year-over-year

Negative

• Operating loss remained at $1.3M in Q4 2025
• Full-year EBITDA was a $5.1M loss in 2025
• Company still reporting recurring operating losses, indicating continued cash burn

Argus Jan 20 session

+3.68% close to close Open Argus

Details

News Market Reaction – APCX

In the Jan 20 session, APCX gained 3.68%, reflecting a moderate positive market reaction.

Data tracked by StockTitan Argus on the day of publication.

Market Context

This announcement highlights accelerating revenue growth and the early impact of the Infinitus Pay a...

Analysis

This announcement highlights accelerating revenue growth and the early impact of the Infinitus Pay acquisition, with Q4 revenue reaching $0.7 million and full-year revenue of $1.4 million. Operating and EBITDA losses narrowed versus 2024, and the company added $1.5 million in financing with an option up to $2.5 million. Historical news shows the market has often reacted strongly to strategic updates, so investors may watch upcoming quarters for sustained revenue expansion and further loss reduction.

Key Figures

Q4 2025 operating loss: $1.3 million (−$0.04/share) Q4 2025 revenue: $0.7 million 2025 full-year revenue: $1.4 million +5 more

Q4 2025 operating loss

$1.3 million (−$0.04/share)

Compared to operating loss of $1.8 million (−$0.07/share) in Q4 2024

Q4 2025 revenue

$0.7 million

Versus $52 thousand in Q4 2024, driven by Infinitus Pay

2025 full-year revenue

$1.4 million

Versus $278 thousand in full-year 2024

2025 EBITDA loss

$5.1 million

Improved by $1.6 million versus 2024 EBITDA loss

Infinitus Pay volume

More than $450 million

Transactional volume processed since joining AppTech

Quarter financing

$1.5 million

Additional financing secured with option to increase to $2.5 million

Financing option cap

$2.5 million

Maximum size of the financing option mentioned

2024–2025 EBITDA delta

$1.6 million

Year-over-year improvement in EBITDA loss for 2025

Historical Context

3 past events · Latest: Nov 06

3 events

1. Nov 06

   Q3 2025 earnings

   24h Move

   +23.3%

   Improved operating loss and strategic comments on InfinitusPay acquisition.

2. Nov 05

   InfinitusPay acquisition

   24h Move

   +54.4%

   Strategic acquisition to strengthen BaaS platform and revenue scalability.

3. Aug 14

   Q2 2025 earnings

   24h Move

   -3.6%

   Significant improvement in operating loss versus prior-year quarter.

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Key Terms

ebitda

1 terms

ebitda financial

"EBITDA (“Earnings before Interest, Taxes, Depreciation and Amortization”) was a loss of $5.1 million"

EBITDA stands for earnings before interest, taxes, depreciation, and amortization. It measures a company's profitability by focusing on the money it makes from its core operations, ignoring expenses like taxes and accounting adjustments. Investors use EBITDA to compare how well different companies are performing financially, as it provides a clearer picture of operational success without the influence of financial structure or accounting choices.

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CARLSBAD, Calif., Jan. 20, 2026 (GLOBE NEWSWIRE) -- AppTech Payments Corp. (“AppTech” or the “Company”) (OTCQB: APCX), a fintech company innovating payment solutions for businesses, today announced financial results for the fourth quarter and full year ended December 31, 2025.

For the quarter, the Company reported an operating loss of $1.3 million, or $0.04 per share, compared to an operating loss of $1.8 million, or $0.07 per share, in the same period of 2024. Revenue increased significantly to $0.7 million, up from $52 thousand in the comparable 2024 quarter, driven primarily by Infinitus Pay (“IP”), the fintech company acquired on October 31. The quarter also reflected continued expansion of the Company’s fintech integrator network. Since joining AppTech, IP has processed more than $450 million in transactional volume.

For the full year 2025, AppTech reported revenues of $1.4 million versus $278 thousand in 2024. EBITDA (“Earnings before Interest, Taxes, Depreciation and Amortization”) was a loss of $5.1 million in 2025, an improvement of $1.6 million from 2024’s EBITDA loss.

The Company also announced it has secured an additional $1.5 million financing during the quarter, with an option to increase the financing to $2.5 million.

“Notwithstanding continued operating losses, we believe our fourth quarter performance represents a turning point for AppTech,” said Felipe Corrado, AppTech’s Chief Financial Officer. “With the Infinitus Pay transaction, the continued growth of AppTech’s core offerings, and new financing we are well positioned for 2026.”

About AppTech Payments Corp.

AppTech Payments Corp. (OTCQB: APCX) provides digital financial services for financial institutions, corporations, small and midsized enterprises (“SMEs”), and consumers through the Company’s scalable cloud-based platform architecture and infrastructure. For more information, please visit apptechcorp.com.

Cautionary Note Regarding Forward-Looking Statements

This press release includes forward-looking statements within the meaning of the federal securities laws, including statements regarding the Company’s acquisition of Infinitus Pay, expected benefits of the transaction, business strategy, growth prospects, and other future plans and performance. Forward-looking statements are based on current expectations and involve risks and uncertainties that could cause actual results to differ materially. These risks include the Company’s ability to integrate Infinitus Pay, achieve anticipated synergies, maintain customer relationships, and respond to competitive and regulatory developments, as well as other factors described in the Company’s filings with the SEC, including its most recent reports on Forms 10-K, 10-Q, and 8-K. The Company undertakes no obligation to update forward-looking statements, except as required by law.

AppTech Payments Corp.
760-707-5959
info@apptechcorp.com

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were AppTech Payments (APCX) Q4 2025 revenue and operating loss?

AppTech reported Q4 2025 revenue of $0.7M and an operating loss of $1.3M ($0.04 per share).

How did AppTech Payments' full-year 2025 revenue compare to 2024 (APCX)?

Full-year 2025 revenue was $1.4M versus $278k in 2024.

What financing did AppTech Payments (APCX) secure in Q4 2025?

The company secured $1.5M of additional financing in Q4 with an option to increase the financing to $2.5M.

What impact did the Infinitus Pay acquisition have on AppTech (APCX)?

Infinitus Pay, acquired Oct. 31, was cited as the primary driver of Q4 revenue and has processed over $450M in transactional volume since joining AppTech.

Did AppTech Payments (APCX) improve profitability in 2025?

Profitability improved modestly: operating loss narrowed from $1.8M to $1.3M in Q4 year-over-year and EBITDA loss improved by $1.6M for 2025.