APCX
AppTech Payments Corp.0.4150
+0.0160+4.01%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
16.39MP/E (TTM)
-Basic EPS (TTM)
-0.21Dividend Yield
0%Recent Filings
8-K
Amends revenue deal to $2M
AppTech Payments amended its revenue participation agreement with Ascendancy Management on February 17, 2026, boosting the total contribution to $2M—with $1.5M already funded and $0.5M due by February 28. In return, Ascendancy gets 1.75% of all gross contract revenue through 2029, backed by escalating minimum monthly payments up to $73,100, plus prorated repayment over the final 18 months. Non-dilutive cash secured. Yet revenue share bites long-term.
8-K
Amends $360K note terms
AppTech Payments amended its $360,000 senior unsecured convertible note with Eleven 11 Management on December 4, 2025, extending maturity to January 16, 2026. Payments schedule: $50,000 principal due December 5, $200,000 on December 20, $110,000 principal plus $20,000 interest at maturity. Conversion rights blocked until default. Staves off immediate pressure.
10-Q
Q3 FY2025 results
AppTech Payments ramped revenues to $227K in Q3 ended September 30, 2025, up 428% y/y from $43K while gross margins held at 56%, yet operating losses narrowed to $1.6M from $1.9M thanks to 26% lower SG&A. Nine-month revenue hit $735K, up 228% y/y, but YTD operating loss widened to $6.1M amid $2.0M R&D spend on FinZeo enhancements; net loss of $6.2M aligns with diluted EPS of $(0.19) across 33.7M shares, anti-dilutive warrants excluded. Cash dipped to $439K after $3.8M operating burn, offset by $3.4M financing including convertible notes at 10%; long-term debt remains minimal at $60K. Customer concentration persists. Ongoing arbitration with former law firm hangs over.
8-K
Acquired Infinitus Pay
AppTech Payments Corp. closed its acquisition of Infinitus Pay Inc. on October 31, 2025, via stock purchase agreement. Consideration includes up to $2M cash (net of debt at close plus $1M contingent on $300K monthly revenue for three months), 5M common shares (1M immediate, 4M locked-up), and warrants for 4M shares at $3.00 exercisable after stock hits that price. Acquisition bolsters BaaS platform with tech, sales talent, and profitable operations. Integration risks loom.
10-Q
Q2 FY2025 results
AppTech Payments ramped revenues to $291K in Q2 2025 ended June 30, up 283% y/y from $76K while gross profit hit $184K; YTD revenues doubled 181% y/y to $508K yet operating loss narrowed to $4.5M from $5.9M on 21% lower opex, driven by slashed stock-based comp and professional fees despite higher R&D for FinZeo enhancements. Diluted EPS improved to $(0.13) YTD, anti-dilutive on 26.6M equivalents. Cash dwindled to $138K after $3.1M op cash burn, offset by $2.4M financing including $700K stock sale and $300K convertible note; holds $250K note payable (demand, June 2026) and $1.2M secured acquisition payable. Revenue hinges on two customers (66% YTD).
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