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AppTech Payments (APCX) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 14, 2026 · AppTech Payments (APCX) Q2 2026 earnings results →
Q2 2026 Revenue up 469% year over year to $1.7M · 61¢ of every $1 of revenue lost · operating margin -53.6%
AppTech Payments made $1.7M in Q2 2026 (+469% Y/Y). Operating margin -53.6%, net loss $1.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 14, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.7M in Q2 2026, up 469% year over year and up 14% from the previous quarter.
Gross margin was 53.4%, down 9.8 points from Q2 2025. Operating costs exceeded revenue by $888K, an operating margin of -53.6%. Operating expenses fell 14% while revenue rose 469%. The fastest-growing cost line was SG&A (+25%). The quarter ended with a net loss of $1.0M, narrower than the previous quarter's $3.3M loss.
Operating cash flow was −$776K. Non-cash charges added back $14K of share-based compensation. Working capital and other items added $222K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 14, 2026 | $1.7M | +469% | -53.6% | −$1.0M | −$776K |
| Q1 2026 | 10-Q | May 15, 2026 | $1.5M | +571% | -195.5% | −$3.3M | −$913K |
| Q4 2025 | 10-K | Mar 31, 2026 | $660K | 13× | -222.9% | −$1.7M | −$1.1M |
| Q3 2025 | 10-Q | Nov 13, 2025 | $227K | +428% | -692.1% | −$1.7M | −$749K |
| Q2 2025 | 10-Q | Aug 14, 2025 | $291K | +283% | -646.4% | −$1.9M | −$1.3M |
| Q1 2025 | 10-Q | May 14, 2025 | $217K | +107% | n/m | −$2.6M | −$1.8M |
| Q4 2024 | 10-K | Mar 31, 2025 | $52K | -63% | n/m | −$949K | −$2.5M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About AppTech Payments
2025 was a defining year for AppTech Payments Corp. (“AppTech”). The Company entered the year with inherited structural, operational, and technological challenges that limited its ability to scale and compete effectively in the rapidly evolving financial services landscape. The legacy FinZeo acquisition, while strategically intended to position the Company in digital payments, required significant remediation. The inherited platform architecture was fragmented, the marketplace model was not commercially viable, and the product required substantial modernization to meet industry expectations. These issues constrained growth and created operational inefficiencies that needed to be addressed before the Company could pursue new opportunities.
In its own words, from its 10-K, filed Mar 31, 2026.
AppTech Payments against its Services-Prepackaged Software peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +469% against the peers' median +19%. Operating margin: -53.6% against the peers' median 15.2%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| APCX AppTech Payments | Q2 2026 | $1.7M | +469% | -53.6% |
| MSFT Microsoft | Q1 FY27 | $92.3B | +19% | 49.8% |
| ORCL Oracle | Q1 FY27 | $19.3B | +30% | 34.8% |
| CRM Salesforce | Q2 FY27 | $11.3B | +11% | 20.5% |
| ADBE Adobe | Q3 FY26 | $6.8B | +13% | 34.8% |
| XYZ Block | Q3 2026 | $6.7B | +10% | 6.4% |
| INTU Intuit | Q4 FY26 | $4.4B | +14% | 10.9% |
| NOW ServiceNow | Q3 2026 | $4.1B | +20% | 9.4% |
| SHOP Shopify | Q3 2026 | $3.7B | +32% | 15.2% |
Source: AppTech Payments 10-Q on SEC EDGAR · CIK 1070050 · Services-Prepackaged Software
13F: who owns APCX and who is buying
More on APCX
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results