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Apptech Corp (APCX) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Apptech Corp stock $0.10, price $0.11, that is 6.6% below the price, quality 31 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Technology US

AC Apptech Corp logo Thin data Nov 10, 2026

Apptech Corp

APCX · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Fair value $0.1009 · Fairly valued
Mixed Growth (revenue 5y +33.5 %/yr in USD)
Moderate debt
Insiders bought $312,755 (6M)
Quality 31/100
Loss-making · -193.4% net margin (TTM)
Negative free cash flow
Trails peers (3/8)
Narrow moat 8/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$19.00 $0.0760 Fair Value $0.1009 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $0.0760 – $19.00 · fair‑value band $0.0756 – $0.1261 · the $0.1080 price screens above the $0.1009 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 10, 2026.

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Company profile

AppTech Payments Corp., a fintech company, provides payment processing and digital banking technologies in the United States.

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It offers merchant transaction services, processing payments for credit and debit cards through point-of-sale equipment, e-commerce gateways, periodic automatic clearing house payments, and gift and loyalty programs.

The company also offers integrated solutions for frictionless digital and mobile payment acceptance, as well as multi-use case, multichannel, API-driven, and account-based issuer processing for card, digital tokens, and payment transfer transaction services.

In addition, it provides an omnichannel payments pillar that includes hosted e-commerce checkout, a flexible payment gateway, text payment technology, alternative payment methods (APMs), and mobile and contactless payments. Further, it offers FinZeo, a fintech platform.

The company was formerly known as AppTech Corp. AppTech Payments Corp. was incorporated in 1998 and is headquartered in Carlsbad, California.

Stock analysis

Apptech Corp (APCX) currently trades at $0.1080, while our estimate is $0.1009, so the stock looks roughly fairly valued today (gap 7.0%).

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $0.0756 (bear) to $0.1261 (bull), the price of $0.1080 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 31/100 (below-average quality), in the Technology sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Apptech Corp reported revenue of $1.4M in FY2025 versus $354K in FY2021, a compound +40.9%/yr. Reported net income was −$7.9M in FY2025.

Key figures

Market cap $4.5M Micro · P/S ratio 1.10 · EPS (TTM) $−0.1900 · Return on equity −736% · Return on assets (EBIT) −314% (5-year average) · Operating margin −53.6% · Revenue (TTM) $4.0M · Revenue growth (YoY) +469%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 8 out of 100 (medium confidence).

What moves the price

The share trades about 81% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at −7%, APCX screens cheaper than that median.

Fair Value

Bear $0.0756 Fair Value $0.1009 Bull $0.1261
Price $0.1080 · Downside -6.6%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 31/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 3
How much profit the company makes from its sales and capital
Quality Growth 80
Are margins and returns getting better?
Cashflow 27
Do the profits arrive as real cash?
Financial strength 12
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 0
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 0
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors bought shares worth $312,755, most recently on Sep 3, 2026. Buying cluster

  • BuyAlbert L LordDirector16× since Nov 25, 2025: 1,148,426 shares, avg. $0.3825$439,264Sep 3, 2026
  • BuyFelipe Amilcar Corrado IVInterim CEO & CFO2× since Aug 20, 2026: 20,000 shares, avg. $0.3675$7,350Aug 27, 2026
  • BuyRobert J LipsteinDirector102,000 shares at $0.3475$35,445May 27, 2026
  • BuyThomas Joseph DeRosaChief Executive Officer2× since Feb 26, 2026: 30,000 shares, avg. $0.3367$10,100Mar 4, 2026
  • BuyCalvin D WalshDirector39,268 shares at $0.3913$15,364Dec 1, 2025

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 10, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+405.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+45.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+33.5%
Start year 2020 (pandemic). Over 10 years: +21.8% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+70.1%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−1,095.6% (2020) → −543.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 410 stocks

Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 31 · Bottom 25%
Fair Value upside −6.6% · Above median
Profitability
Return on assets −84.3% · Bottom 25%
Net margin (12 months) −193.4% · Bottom 25%
Operating margin (12 months) −53.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 469.4% · Top 25%
Balance sheet
Debt / equity 0.56× · Highest 25%

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B 2.40× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 1.13× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)25 · sector 22
FUTURE (revenue growth)100 · sector 60
PAST (return on equity)0 · sector 15
HEALTH (low debt)72 · sector 98
DIVIDEND (yield)0 · sector 27

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Microsoft Corporation MSFT $533.16 $599.70 +12% vs APCX
Fortinet, Inc FTNT $123.57 $130.72 +6% vs APCX
Oracle Corporation ORCL $117.98 $111.97 −5% vs APCX
Block, Inc XYZ $85.58 $76.43 −11% vs APCX
NetApp, Inc NTAP $175.99 $156.80 −11% vs APCX
Synopsys, Inc SNPS $459.95 $288.23 −37% vs APCX
Zscaler, Inc ZS $194.92 $101.45 −48% vs APCX
Palantir Technologies Inc PLTR $168.82 $42.20 −75% vs APCX
CrowdStrike Holdings CRWD $225.76 $37.97 −83% vs APCX
Palo Alto Networks, Inc PANW $326.36 $39.54 −88% vs APCX

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Apptech Corp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Apptech Corp Fair Value". https://www.fairvalue-calculator.com/stock/APCX

Frequently asked questions

Is Apptech Corp (APCX) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $0.1009 versus a price of $0.1080, about 7% lower (fairly valued).
What is the fair value of APCX?
Our estimate for Apptech Corp is $0.1009 (as of Nov 10, 2026), built from audited fundamentals. The current price: $0.1080.
What is the quality score of APCX?
Apptech Corp has a Quality Score of 31/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Apptech Corp (APCX)?
Our calculated price target is the estimate of $0.1009 (as of Nov 10, 2026). Cautious scenario $0.0756, optimistic scenario $0.1261. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Apptech Corp stock forecast for 2026?
Our estimate puts fair value at $0.1009, about 7% lower versus a price of $0.1080 (fairly valued). Cautious scenario $0.0756, optimistic scenario $0.1261. The calculation is refreshed regularly with new filings.
What is the revenue of Apptech Corp (APCX)?
Apptech Corp reported trailing-twelve-month revenue of about $4.0M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Apptech Corp (APCX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Apptech Corp it is $0.1009 per share (as of Nov 10, 2026), against a price of $0.1080.
Is Apptech Corp stock overvalued or undervalued in 2026?
As of Nov 10, 2026, APCX trades above its calculated fair value: price $0.1080, fair value $0.1009, a gap of about −7% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of APCX?
No. The price is what the market pays today ($0.1080); the fair value is what the company's own numbers justify ($0.1009). For Apptech Corp the two are $0.0071 per share apart. That gap is exactly why we show both numbers side by side.
How much is Apptech Corp worth?
The market values Apptech Corp at about $4.5M (market capitalisation, as of Nov 10, 2026). Per share that is $0.1080; our models calculate a fair value of $0.1009 per share.
What do the bullish and bearish scenarios say about APCX?
Our models span a range for Apptech Corp: cautious scenario $0.0756, base $0.1009, optimistic $0.1261 per share (as of Nov 10, 2026, price $0.1080). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Apptech Corp (APCX)?
Balance-sheet figures for Apptech Corp (as of Nov 10, 2026): debt of 0.56 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is APCX from its 52-week high?
Apptech Corp trades at $0.1080, about 81% below its 52-week high of $0.5680 and 3% above the low of $0.1050 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $0.1009 is for.
Which stocks are comparable to Apptech Corp?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Apptech Corp stock attractive at the current price?
The data as of Nov 10, 2026: price $0.1080, calculated fair value $0.1009 (−7%), Quality Score 31/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Apptech Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Apptech Corp (APCX)?
The closing price on Nov 10, 2026 was $0.1080. Our estimate is $0.1009, about 7% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Apptech Corp right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Apptech Corp

How large is the market capitalisation of Apptech Corp (APCX)?
The market capitalisation of Apptech Corp is $4.5M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Apptech Corp (APCX)?
The price-to-sales ratio of Apptech Corp is 1.10 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Apptech Corp (APCX)?
Earnings per share at Apptech Corp are $−0.1900. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Apptech Corp (APCX)?
The return on equity (ROE) of Apptech Corp is −736% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Apptech Corp (APCX)?
On an EBIT basis the return on assets of Apptech Corp is −314% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Apptech Corp (APCX)?
The operating margin of Apptech Corp is −53.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Apptech Corp (APCX)?
Revenue at Apptech Corp is growing +469% versus a year earlier (3y avg +45.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Apptech Corp (APCX) generate?
The free cash flow of Apptech Corp is −$4.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Apptech Corp (APCX) carry?
The net debt of Apptech Corp is $2.8M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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