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AppTech PaymentsAPCX +8.11%32 Equity-to-Asset is 0.03 as of Mar. 2026, which is 77% below its 10-year median of 0.13. GuruFocus rates APCX with a GF Score™ of 32/100 and a GF Value™ of $2.42 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 2,893 Software companies, AppTech Payments ranks worse than 90.91% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. AppTech Payments's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $0.30 Mil. AppTech Payments's Total Assets for the quarter that ended in Mar. 2026 was $9.14 Mil.
Therefore, AppTech Payments's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.03.
The historical rank and industry rank for AppTech Payments's Equity-to-Asset or its related term are showing as below:
APCX'
s Equity-to-Asset Range Over the Past 10 Years
Min: -227.29 Med: 0.13 Max: 0.8
Current: 0.03
During the past 13 years, the highest Equity to Asset Ratio of AppTech Payments was 0.80. The lowest was -227.29. And the median was 0.13.
APCX's Equity-to-Asset is ranked worse than 90.91% of 2893
companies
in the Software industry
Industry Median: 0.56
vs APCX: 0.03
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
AppTech Payments Equity-to-Asset Related Terms
AppTech Payments Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for AppTech Payments's Equity-to-Asset 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.
APCX vs OBAI, YQAI, CISO: Equity-to-Asset Comparison
For the Software - Infrastructure subindustry, AppTech Payments's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, AppTech Payments's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where AppTech Payments's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
AppTech Payments's Equity to Asset Ratio 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 Equity-to-Asset of 0.03 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AppTech Payments and its competitors. This is 77% below median its historical median of 0.13. According to the industry distribution chart, AppTech Payments ranks #2630 out of 2893 companies in the Software industry, placing it in the top 90.9%.
Is AppTech Payments' Equity-to-Asset too high?
AppTech Payments' current Equity-to-Asset of 0.03 is 77% below median its 10-year median of 0.13. The Software industry median Equity-to-Asset is 0.56. AppTech Payments' value of 0.03 is 94.6% below this industry median. Based on the distribution chart, AppTech Payments ranks #2630 out of 2893 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, AppTech Payments has a GF Score™ of 32/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AppTech Payments' Equity-to-Asset compare to OBAI and YQAI?
According to the Software industry distribution chart, AppTech Payments ranks #2630 out of 2893 companies for Equity-to-Asset. This places AppTech Payments in the lower half of its industry. The industry median Equity-to-Asset is 0.56. AppTech Payments' value of 0.03 is 94.6% below this benchmark. While the company's 10-year median is 0.13 vs. the industry median of 0.56, AppTech Payments has consistently been below 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 Equity-to-Asset for a Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,893 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AppTech Payments's current Equity-to-Asset of 0.03 is 94.6% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AppTech Payments and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AppTech Payments's current Equity-to-Asset is 0.03, which is 77% below median its own 10-year median of 0.13. 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 $2.42, compared to a current price of $0.40 — trading 83.5% below its estimated fair value. The current Equity-to-Asset is 0.03, which is 77% below median its 10-year median of 0.13 and 94.6% below the Software industry median of 0.56. AppTech Payments' overall GF Score™ is 32/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For AppTech Payments (APCX), the current Equity-to-Asset is 0.03 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 $0.40 is trading 83.5% below its estimated GF Value™ of $2.42.
GuruFocus considers AppTech Payments to be Possible Value Trap.
Key valuation signals for APCX:
Equity-to-Asset: 0.03 (77% below median its 10-year median of 0.13)
GF Value™: $2.42 vs. price of $0.40 (83.5% below fair value)
Industry Position: 94.6% below the Software median (#2630 of 2893)
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.
32GF Score
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