AppTech Payments

APCX

Software - Infrastructure · Technology

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Good

Cash Flow

Weak

Stability

Weak

Valuation

Data not available

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Winston Score History

The full picture

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.

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

+484.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+60.3% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

18.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~0 months

$110,000 cash & investments

Short runway — potential dilution ahead through share issuance

Revenue accelerating

AppTech Payments grew revenue 484% 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

Profit per sale

Gross Margin

0.0%

Thin — 0.0% gross margin

Profit after running costs

Operating Margin

-52.9%

Losing money on operations — -52.9%

Return on the money invested

ROCE

-160.6%

Weak — -160.6% return on capital

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

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Growth

Sales growth

Sales YoY

+570.6%

Fast-growing sales (+570.6% YoY)

Profit growth

EPS YoY

N/A

—

Data not available

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

—

Data not available

Spare cash per sale

FCF Margin

-98.9%

Burning cash (-98.9%)

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

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Stability

What it owes vs what it owns

Debt / Equity

13.24

Heavy debt load (13.24)

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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