APCX (AppTech Payments) ROE % Adjusted to Book Value: -17.21% (As of Mar. 2026)


APCX AppTech Payments Corp APCX
32 GF Score
Price $0.32
GF Value $2.38
Valuation Possible Value Trap
! 6 Warning Signs
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What is AppTech Payments ROE % Adjusted to Book Value?

AppTech Payments APCX -2.67% 32 ROE % Adjusted to Book Value is -17.21% as of Mar. 2026. 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.

AppTech Payments's ROE % for the quarter that ended in Mar. 2026 was -1,208.40%. AppTech Payments's PB Ratio for the quarter that ended in Mar. 2026 was 70.21. AppTech Payments's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was -17.21%.


AppTech Payments ROE % Adjusted to Book Value Related Terms


AppTech Payments ROE % Adjusted to Book Value Historical Data

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The historical data trend for AppTech Payments's ROE % Adjusted to Book Value 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.

AppTech Payments ROE % Adjusted to Book Value Chart

AppTech Payments Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 -81.80 -30.09 -58.34 -33.68

AppTech Payments Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -61.39 -78.21 -79.84 -63.87 -17.21

APCX vs CHOW, INTZ, BLIN: ROE % Adjusted to Book Value Comparison

For the Software - Infrastructure subindustry, AppTech Payments's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Software Industry

For the Software industry and Technology sector, AppTech Payments's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where AppTech Payments's ROE % Adjusted to Book Value falls into.


APCX
32GF Score
AppTech Payments Corp APCX
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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AppTech Payments ROE % Adjusted to Book Value Calculation

AppTech Payments's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-215.22% / 6.39
=-33.68%

AppTech Payments's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-1,208.40% / 70.21
=-17.21%

* 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.

What does a ROE % Adjusted to Book Value of -17.21% mean?
AppTech Payments (APCX) has a ROE % Adjusted to Book Value of -17.21% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AppTech Payments and its competitors.
Is AppTech Payments' ROE % Adjusted to Book Value too high?
AppTech Payments' current ROE % Adjusted to Book Value is -17.21%. 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' ROE % Adjusted to Book Value compare to CHOW and INTZ?
AppTech Payments' ROE % Adjusted to Book Value of -17.21% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Software company?
A good ROE % Adjusted to Book Value depends on the Software industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AppTech Payments and its competitors. AppTech Payments's current ROE % Adjusted to Book Value is -17.21%. 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 ROE % Adjusted to Book Value is -17.21%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For AppTech Payments (APCX), the current ROE % Adjusted to Book Value is -17.21% 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:

  • ROE % Adjusted to Book Value: -17.21%
  • GF Value™: $2.38 vs. price of $0.32 (86.5% below fair value)
  • GF Score™: 32/100 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.
32GF Score

Get the complete analysis for APCX

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.32
Price
$2.38
GF Value