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AppTech Payments cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow−$776K in Q2 2026 · −$3.5M over twelve months

Operating cash flow−$776K
Free cash flow−$776K
Cash conversion cycle-261 days

Analysis

In Q2 2026, AppTech Payments generated −$776K of operating cash flow. That is $503K more than in Q2 2025 (−$1.3M).

Over the twelve months to Jun 30, 2026, operating cash flow was −$3.5M; the largest uses were operating cash flow ($3.5M), other investing ($1.9M), net borrowing (+) / repaid (−) ($271K); besides operations, cash came from other financing ($4.2M), shares issued ($1.5M); the cash balance rose by $45K.

Operating cash flow was −$776K against net income of −$1.0M. The largest differences: payables −$353K, receivables +$183K, accrued liabilities +$65K.

Its cash conversion cycle was -261 days (receivables 31 + inventory 0 − payables 292): suppliers fund its working capital.

Free cash flow

AppTech Payments: free cash flow by quarterAppTech Payments: free cash flow by quarter−$1.1MQ3 2024−$2.5MQ4 2024−$1.8MQ1 2025−$1.3MQ2 2025−$749KQ3 2025−$1.1MQ4 2025−$913KQ1 2026−$776KQ2 2026
Operating cash flow less capital spending.
AppTech Payments: operating cash flow against capital spendingAppTech Payments: operating cash flow against capital spendingOperating cash flowCapital spending−$1.1M$0Q3 2024−$2.5M$0Q4 2024−$1.8M$0Q1 2025−$1.3M$0Q2 2025−$749K$0Q3 2025−$1.1M$0Q4 2025−$913K$0Q1 2026−$776K$0Q2 2026
Latest (Q2 2026): Operating cash flow −$776K, Capital spending $0.

Capital allocation, year by year

AppTech Payments: where the cash came from (up) and went (down), by fiscal yearAppTech Payments: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedFY2021: Operating cash flow −$1.8MFY2021: Net borrowing −$34FY2021FY2022: Operating cash flow −$8.2MFY2022: Net borrowing −$50FY2022: Shares issued $13.5M$13.5MFY2022FY2023: Operating cash flow −$8.9MFY2023: Net borrowing −$1.0MFY2023: Shares issued $9.0M$9.0MFY2023FY2024: Operating cash flow −$7.5MFY2024: Net borrowing $910KFY2024: Shares issued $7.3M$8.2MFY2024FY2025: Operating cash flow −$4.9MFY2025: Net borrowing $599KFY2025: Shares issued $2.2M$2.8MFY2025
Over these 5 years operating cash flow totalled −$31.2M; the largest uses were operating cash flow ($31.2M) and net borrowing ($1.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$183K
Debtnone
Net cash$183K
Cash runway1 month

AppTech Payments is burning cash: its operations consume cash, a free cash flow of −$3.5M a year at the current rate against $183K of cash and investments: a runway of about 1 month before any new financing.

Where the cash came from and went

AppTech Payments: sources (+) and uses (−) of cash, Q2 2026AppTech Payments: sources (+) and uses (−) of cash, Q2 2026Other financing$850KOperating cash flow−$776KCash drawn (+) / kept (−)−$73KOther investing−$1K
AppTech Payments: sources (+) and uses (−) of cash, TTM to Q2 2026AppTech Payments: sources (+) and uses (−) of cash, TTM to Q2 2026Other financing$4.2MOperating cash flow−$3.5MOther investing−$1.9MShares issued$1.5MNet borrowing (+) / repaid (−)−$271KCash drawn (+) / kept (−)−$45K

From profit to cash

AppTech Payments: net income to operating cash flow, Q2 2026AppTech Payments: net income to operating cash flow, Q2 2026Net income−$1.0MStock-based pay$14KReceivables$183KPayables−$353KAccrued liabilities$65KPrepaid and other assets$5KOther liabilities$3KOperating cash flow−$776K
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q2 202631—292-261
Q1 202631—370-339
Q4 202531—770-739
Q3 202537—1930-1893
Q2 202527—1580-1553
Q1 202527—1282-1255
Q4 202449—66501-66452
Q3 202429—9514-9485

Every quarter

QuarterOperating cash flowNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026−$776K——−$73K−$776K
Q1 2026−$913K−$221K—$134K−$913K
Q4 2025−$1.1M−$251K$1.0M$195K−$1.1M
Q3 2025−$749K$550K$500K−$301K−$749K
Q2 2025−$1.3M—$700K$279K−$1.3M
Q1 2025−$1.8M——$451K−$1.8M
Q4 2024−$2.5M—$4.9M−$764K−$2.5M
Q3 2024−$1.1M$910K—−$88K−$1.1M

AppTech Payments: income statement and cash flow

AppTech Payments, Q2 2026: revenue $1.7M (+469% year over year), operating margin -53.6%. The chart follows the revenue to costs, profit and cash.

AppTech Payments: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.