APCX (AppTech Payments) Short-Term Debt: $1.77 Mil (As of Mar. 2026)


APCX AppTech Payments Corp APCX
28 GF Score
Price $0.28
GF Value $2.39
Valuation Possible Value Trap
! 6 Warning Signs
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What is AppTech Payments Short-Term Debt?

AppTech Payments APCX -2.32% 28 Short-Term Debt is $1.77 Mil as of Mar. 2026. GuruFocus rates APCX with a GF Score™ of 28/100 and a GF Value™ of $2.39 (Possible Value Trap). The stock has 6 warning signs investors should review.

AppTech Payments's Short-Term Debt for the quarter that ended in Mar. 2026 was $1.77 Mil.

AppTech Payments's quarterly Short-Term Debt increased from Sep. 2025 ($1.15 Mil) to Dec. 2025 ($1.97 Mil) but then declined from Dec. 2025 ($1.97 Mil) to Mar. 2026 ($1.77 Mil).

AppTech Payments's annual Short-Term Debt declined from Dec. 2023 ($0.00 Mil) to Dec. 2024 ($0.00 Mil) but then increased from Dec. 2024 ($0.00 Mil) to Dec. 2025 ($1.97 Mil).

AppTech Payments Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

AppTech Payments Short-Term Debt Related Terms

AppTech Payments Short-Term Debt Historical Data

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The historical data trend for AppTech Payments's Short-Term Debt 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 Short-Term Debt Chart

AppTech Payments Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.80 1.79 0.00 0.00 1.97

AppTech Payments Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Short-Term Debt 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 0.00 0.55 1.15 1.97 1.77
APCX
28GF Score
AppTech Payments Corp APCX
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $1.77 Mil mean?
AppTech Payments (APCX) has a Short-Term Debt of $1.77 Mil as of Mar. 2026.
Is AppTech Payments' Short-Term Debt too high?
AppTech Payments' current Short-Term Debt is $1.77 Mil. Overall, AppTech Payments has a GF Score™ of 28/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AppTech Payments' Short-Term Debt compare to CHOW and INTZ?
AppTech Payments' Short-Term Debt of $1.77 Mil 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 Short-Term Debt for a Software company?
A good Short-Term Debt depends on the Software industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. AppTech Payments's current Short-Term Debt is $1.77 Mil. 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 $2.39, compared to a current price of $0.28 — trading 88.4% below its estimated fair value. The current Short-Term Debt is $1.77 Mil. AppTech Payments' overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For AppTech Payments (APCX), the current Short-Term Debt is $1.77 Mil 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 $0.28 is trading 88.4% below its estimated GF Value™ of $2.39. GuruFocus considers AppTech Payments to be Possible Value Trap.

Key valuation signals for APCX:

  • Short-Term Debt: $1.77 Mil
  • GF Value™: $2.39 vs. price of $0.28 (88.4% below fair value)
  • GF Score™: 28/100 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.
28GF Score

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

$0.28
Price
$2.39
GF Value