AppTech PaymentsAPCX -2.67%30 Days Payable is 375.59 as of Mar. 2026, which is 87% below its 10-year median of 2,874.99. GuruFocus rates APCX with a GF Score™ of 30/100 and a GF Value™ of $2.38 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 2,600 Software companies, AppTech Payments ranks better than 94.46% on this metric.
The historical rank and industry rank for AppTech Payments's Days Payable or its related term are showing as below:
APCX'
s Days Payable Range Over the Past 10 Years
Min: 722.78 Med: 2874.99 Max: 12817.12
Current: 722.78
During the past 13 years, AppTech Payments's highest Days Payable was 12817.12. The lowest was 722.78. And the median was 2874.99.
APCX's Days Payable is ranked better than 94.46% of 2600
companies
in the Software industry
Industry Median: 54.025
vs APCX: 722.78
AppTech Payments's Days Payable
declined
from Mar. 2025 (1,299.96) to Mar. 2026 (375.59).
It may suggest that AppTech Paymentsaccelerated paying its suppliers.
AppTech Payments Days Payable Related Terms
AppTech Payments Days Payable Historical Data
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The historical data trend for AppTech Payments's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Infrastructure subindustry, AppTech Payments's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AppTech Payments Days Payable vs Software Industry
For the Software industry and Technology sector, AppTech Payments's Days Payable distribution charts can be found below:
* The bar in red indicates where AppTech Payments's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
AppTech Payments's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AppTech Payments (APCX) has a Days Payable of 375.59 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on AppTech Payments and its competitors. This is 87% below median its historical median of 2,874.99. Over the past decade, AppTech Payments' Days Payable has ranged from 722.78 to 12,817.12. According to the industry distribution chart, AppTech Payments ranks #144 out of 2600 companies in the Software industry, placing it in the top 5.5%.
Is AppTech Payments' Days Payable too high?
AppTech Payments' current Days Payable of 375.59 is 87% below median its 10-year median of 2,874.99. Over the past 10 years, this metric has ranged from a low of 722.78 to a high of 12,817.12. The Software industry median Days Payable is 54.03. AppTech Payments' value of 375.59 is 595.2% above this industry median. Based on the distribution chart, AppTech Payments ranks #144 out of 2600 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, AppTech Payments has a GF Score™ of 30/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AppTech Payments' Days Payable compare to CHOW and INTZ?
According to the Software industry distribution chart, AppTech Payments ranks #144 out of 2600 companies for Days Payable. This places AppTech Payments in the top 6% of its industry — outperforming the majority of peers. The industry median Days Payable is 54.03. AppTech Payments' value of 375.59 is 595.2% above this benchmark. Historically, AppTech Payments' own Days Payable has ranged from 722.78 to 12,817.12 over the past decade. While the company's 10-year median is 2,874.99 vs. the industry median of 54.03, AppTech Payments has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Software company?
The median Days Payable among Software companies is 54.03, based on 2,600 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AppTech Payments's current Days Payable of 375.59 is 595.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on AppTech Payments and its competitors. For the Software industry, the median Days Payable is 54.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AppTech Payments's current Days Payable is 375.59, which is 87% below median its own 10-year median of 2,874.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AppTech Payments stock overvalued right now?
Based on GuruFocus' analysis, AppTech Payments (APCX) is currently considered Possible Value Trap. The stock's GF Value™ is $2.38, compared to a current price of $0.32 — trading 86.5% below its estimated fair value. The current Days Payable is 375.59, which is 87% below median its 10-year median of 2,874.99 and 595.2% above the Software industry median of 54.03. AppTech Payments' overall GF Score™ is 30/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For AppTech Payments (APCX), the current Days Payable is 375.59 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AppTech Payments (APCX) Overvalued in 2026?
Based on GuruFocus' analysis, AppTech Payments stock appears to be undervalued.
The current stock price of $0.32 is trading 86.5% below its estimated GF Value™ of $2.38.
GuruFocus considers AppTech Payments to be Possible Value Trap.
Key valuation signals for APCX:
Days Payable: 375.59 (87% below median its 10-year median of 2,874.99)
GF Value™: $2.38 vs. price of $0.32 (86.5% below fair value)
Industry Position: 595.2% above the Software median (#144 of 2600)
No single metric tells the full story. See the APCX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AppTech Payments Corp engages in providing financial services to businesses. It provides these services through its Banking Platform the company enables digital banking capabilities, account-based processing, onboarding, compliance, and financial workflows through a unified, cloud-native architecture. Its 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 derives revenue from the provision of financial services to businesses.
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