APCX (AppTech Payments) Moat Score: 3/10 (As of Jun. 30, 2026)


APCX AppTech Payments Corp APCX
30 GF Score
Price $0.32
GF Value $2.38
Valuation Possible Value Trap
! 6 Warning Signs
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What is AppTech Payments Moat Score?

AppTech Payments APCX -2.67% 30 Moat Score is 3 as of Jun. 30, 2026. 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 2,844 Software companies, AppTech Payments ranks better than 84.63% on this metric.

AppTech Payments has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

AppTech Payments has No Moat: AppTech Payments operates in a highly competitive fintech industry with minimal market share and no significant cost advantages. It lacks strong brand strength, customer loyalty, and proprietary technology, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes AppTech Payments might have No Moat - Very weak/transient advantages.

AppTech Payments  (OTCPK:APCX) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

AppTech Payments Moat Score Related Terms

APCX vs CHOW, INTZ, BLIN: Moat Score Comparison

For the Software - Infrastructure subindustry, AppTech Payments's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Software Industry

For the Software industry and Technology sector, AppTech Payments's Moat Score distribution charts can be found below:

* The bar in red indicates where AppTech Payments's Moat Score falls into.


APCX
30GF Score
AppTech Payments Corp APCX
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
AppTech Payments (APCX) has a Moat Score of 3 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, AppTech Payments ranks #437 out of 2844 companies in the Software industry, placing it in the top 15.4%.
Is AppTech Payments' Moat Score too high?
AppTech Payments' current Moat Score is 3. Based on the distribution chart, AppTech Payments ranks #437 out of 2844 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' Moat Score compare to CHOW and INTZ?
According to the Software industry distribution chart, AppTech Payments ranks #437 out of 2844 companies for Moat Score. This places AppTech Payments in the top 15% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. AppTech Payments's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For AppTech Payments (APCX), the current Moat Score is 3 as of Jun. 30, 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:

  • Moat Score: 3
  • GF Value™: $2.38 vs. price of $0.32 (86.5% below fair value)
  • GF Score™: 30/100 with 6 warning signs

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 Business Description

Address 5876 Owens Avenue, Suite 100, Carlsbad, CA, USA, 92008
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.
30GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.32
Price
$2.38
GF Value