AppTech Payments Corp is a FinTech company utilizing various payment processing and digital banking technologies to complement core merchant services capabilities. The company's patented and proprietary software will provide progressive and adaptable products that are available through a suite of synergistic offerings directly to merchants, banking institutions, and business enterprises. It is developing a secure digital payments and banking platform that powers commerce experiences for clients and customers. Based upon industry standards for payment and banking protocols, the company will offer standalone products and fully integrated solutions that deliver unparalleled payments, banking, and financial services experiences.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	8.11
Equity-to-Asset	0.5
Debt-to-Equity	0.04
Debt-to-EBITDA	-0.01
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-31.21	Distress Grey Safe
Beneish M-Score	-5.27	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-9.4
	3-Year EBITDA Growth Rate	-30.4
	3-Year EPS without NRI Growth Rate	-17.6
	3-Year FCF Growth Rate	-94.6

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	29.69
	9-Day RSI	30.14
	14-Day RSI	31.3
	6-1 Month Momentum %	-58.4
	12-1 Month Momentum %	-50.26

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.37
	Quick Ratio	0.37
	Cash Ratio	0.31
	Days Sales Outstanding	121.52
	Days Payable	1419.79

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-33.7
	Shareholder Yield %	-32.55

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	62.9
	Operating Margin %	-2590.48
	Net Margin %	-3673.02
	FCF Margin %	-1757.74
	ROE %	-387.64
	ROA %	-237.78
	ROIC %	-207.62
	ROC (Joel Greenblatt) %	-5429
	ROCE %	-257.63

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	33.26
	PB Ratio	4.55
	EV-to-EBIT	-1.65
	EV-to-EBITDA	-1.79
	EV-to-Revenue	41.36
	EV-to-FCF	-2.35
	Earnings Yield (Greenblatt) %	-60.61
	FCF Yield %	-41.52

GF Value: $6.24

APCX

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