AppTech PaymentsAPCX +1.03%32 Gross Margin % is 55.66% as of Mar. 2026, which is 3% below its 10-year median of 57.18. GuruFocus rates APCX with a GF Score™ of 32/100 and a GF Value™ of $2.38 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 2,683 Software companies, AppTech Payments ranks better than 67.57% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
AppTech Payments had a gross margin of 55.66% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
AppTech Payments Gross Margin % Related Terms
AppTech Payments Gross Margin % Historical Data
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The historical data trend for AppTech Payments's Gross Margin % 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 BLIN, SKKY, CLOQ: Gross Margin % Comparison
For the Software - Infrastructure subindustry, AppTech Payments's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Software Industry
For the Software industry and Technology sector, AppTech Payments's Gross Margin % distribution charts can be found below:
* The bar in red indicates where AppTech Payments's Gross Margin % falls into.
* 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
AppTech Payments (APCX) has a Gross Margin % of 55.66% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on AppTech Payments and its competitors. This is near median its historical median of 57.18. According to the industry distribution chart, AppTech Payments ranks #870 out of 2683 companies in the Software industry, placing it in the top 32.4%.
Is AppTech Payments' Gross Margin % too high?
AppTech Payments' current Gross Margin % of 55.66% is near median its 10-year median of 57.18. The Software industry median Gross Margin % is 40.45. AppTech Payments' value of 55.66% is 37.6% above this industry median. Based on the distribution chart, AppTech Payments ranks #870 out of 2683 companies in the Software industry, which is above the industry midpoint. 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' Gross Margin % compare to BLIN and SKKY?
According to the Software industry distribution chart, AppTech Payments ranks #870 out of 2683 companies for Gross Margin %. This puts AppTech Payments in the upper half of its industry. The industry median Gross Margin % is 40.45. AppTech Payments' value of 55.66% is 37.6% above this benchmark. While the company's 10-year median is 57.18 vs. the industry median of 40.45, 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 Gross Margin % for a Software company?
The median Gross Margin % among Software companies is 40.45, based on 2,683 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AppTech Payments's current Gross Margin % of 55.66% is 37.6% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on AppTech Payments and its competitors. For the Software industry, the median Gross Margin % is 40.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AppTech Payments's current Gross Margin % is 55.66%, which is near median its own 10-year median of 57.18. 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 $0.35 — trading 85.1% below its estimated fair value. The current Gross Margin % is 55.66%, which is near median its 10-year median of 57.18 and 37.6% above the Software industry median of 40.45. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For AppTech Payments (APCX), the current Gross Margin % is 55.66% 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 $0.35 is trading 85.1% below its estimated GF Value™ of $2.38.
GuruFocus considers AppTech Payments to be Possible Value Trap.
Key valuation signals for APCX:
Gross Margin %: 55.66% (near median its 10-year median of 57.18)
GF Value™: $2.38 vs. price of $0.35 (85.1% below fair value)
Industry Position: 37.6% above the Software median (#870 of 2683)
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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