Do analysts rate IDN or APCX?

Intellicheck presently has a consensus price target of $6.50, indicating a potential upside of 132.97%. Given Intellicheck's stronger consensus rating and higher probable upside, analysts clearly believe Intellicheck is more favorable than AppTech Payments. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Intellicheck 0 Sell rating(s) 3 Hold rating(s) 3 Buy rating(s) 0 Strong Buy rating(s) 2.50 AppTech Payments 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00

Do analysts recommend APCX or STEM?

Stem has a consensus target price of $7.45, suggesting a potential upside of 34.48%. Given Stem's stronger consensus rating and higher possible upside, analysts clearly believe Stem is more favorable than AppTech Payments. Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score AppTech Payments 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Stem 1 Sell rating(s) 4 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.80

Which has preferable valuation & earnings, APCX or STEM?

Stem has higher revenue and earnings than AppTech Payments. AppTech Payments is trading at a lower price-to-earnings ratio than Stem, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio AppTech Payments $276K 50.98 -$18.51M -$0.19 N/A Stem $148.03M 0.36 $137.76M -$8.49 N/A

Is APCX or STEM more profitable?

Stem has a net margin of -49.37% compared to AppTech Payments' net margin of -3,119.45%. Stem's return on equity of 0.00% beat AppTech Payments' return on equity. Company Net Margins Return on Equity Return on Assets AppTech Payments -3,119.45% -398.98% -153.45% Stem -49.37% N/A -21.85%

Do analysts rate APCX or NTWK?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score AppTech Payments 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 NetSol Technologies 0 Sell rating(s) 1 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00

Do analysts rate APCX or VHC?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score AppTech Payments 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 Virnetx 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00

Is APCX or VHC more profitable?

Virnetx has a net margin of 0.00% compared to AppTech Payments' net margin of -3,119.45%. Virnetx's return on equity of -92.46% beat AppTech Payments' return on equity. Company Net Margins Return on Equity Return on Assets AppTech Payments -3,119.45% -398.98% -153.45% Virnetx N/A -92.46% -66.74%

Do analysts rate APCX or YHNA?

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score AppTech Payments 0 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 0.00 YHN Acquisition I 1 Sell rating(s) 0 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 1.00

Which has higher valuation & earnings, APCX or YHNA?

YHN Acquisition I has lower revenue, but higher earnings than AppTech Payments. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio AppTech Payments $276K 50.98 -$18.51M -$0.19 N/A YHN Acquisition I N/A N/A N/A N/A N/A

AppTech Payments (APCX) Competitors

$0.34 -0.02 (-5.61%)

As of 09/4/2026 02:49 PM Eastern

Compare

APCX vs. IDN, STEM, NTWK, VHC, and YHNA

Should you buy AppTech Payments stock or one of its competitors? AppTech Payments's main competitors and comparable companies include Intellicheck (IDN), Stem (STEM), NetSol Technologies (NTWK), Virnetx (VHC), and YHN Acquisition I (YHNA). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "application software" industry.

How does AppTech Payments compare to Intellicheck?

Intellicheck (NASDAQ:IDN) and AppTech Payments (NASDAQ:APCX) are both small-cap technology companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, media sentiment, earnings and profitability.

Intellicheck has a beta of 0.78, meaning that its share price is 22% less volatile than the broader market. Comparatively, AppTech Payments has a beta of -0.47, meaning that its share price is 147% less volatile than the broader market.

In the previous week, Intellicheck had 1 more articles in the media than AppTech Payments. MarketBeat recorded 1 mentions for Intellicheck and 0 mentions for AppTech Payments. Intellicheck's average media sentiment score of 1.34 beat AppTech Payments' score of 0.00 indicating that Intellicheck is being referred to more favorably in the media.

Company	Overall Sentiment
Intellicheck	Positive
AppTech Payments	Neutral

42.8% of Intellicheck shares are held by institutional investors. Comparatively, 5.2% of AppTech Payments shares are held by institutional investors. 7.8% of Intellicheck shares are held by company insiders. Comparatively, 44.5% of AppTech Payments shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Intellicheck presently has a consensus price target of $6.50, indicating a potential upside of 132.97%. Given Intellicheck's stronger consensus rating and higher probable upside, analysts clearly believe Intellicheck is more favorable than AppTech Payments.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intellicheck	0 Sell rating(s)	3 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.50
AppTech Payments	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Intellicheck has higher revenue and earnings than AppTech Payments. AppTech Payments is trading at a lower price-to-earnings ratio than Intellicheck, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intellicheck	$22.67M	2.49	$1.27M	$0.15	18.60
AppTech Payments	$276K	50.98	-$18.51M	-$0.19	N/A

Intellicheck has a net margin of 13.03% compared to AppTech Payments' net margin of -3,119.45%. Intellicheck's return on equity of 15.02% beat AppTech Payments' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Intellicheck	13.03%	15.02%	12.27%
AppTech Payments	-3,119.45%	-398.98%	-153.45%

Summary

Intellicheck beats AppTech Payments on 14 of the 16 factors compared between the two stocks.

How does AppTech Payments compare to Stem?

AppTech Payments (NASDAQ:APCX) and Stem (NYSE:STEM) are both small-cap technology companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, profitability, media sentiment, risk, institutional ownership, earnings, dividends and analyst recommendations.

Stem has a consensus target price of $7.45, suggesting a potential upside of 34.48%. Given Stem's stronger consensus rating and higher possible upside, analysts clearly believe Stem is more favorable than AppTech Payments.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AppTech Payments	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Stem	1 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.80

AppTech Payments has a beta of -0.47, indicating that its stock price is 147% less volatile than the broader market. Comparatively, Stem has a beta of 1.52, indicating that its stock price is 52% more volatile than the broader market.

5.2% of AppTech Payments shares are held by institutional investors. Comparatively, 61.6% of Stem shares are held by institutional investors. 44.5% of AppTech Payments shares are held by company insiders. Comparatively, 5.1% of Stem shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Stem has a net margin of -49.37% compared to AppTech Payments' net margin of -3,119.45%. Stem's return on equity of 0.00% beat AppTech Payments' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AppTech Payments	-3,119.45%	-398.98%	-153.45%
Stem	-49.37%	N/A	-21.85%

Stem has higher revenue and earnings than AppTech Payments. AppTech Payments is trading at a lower price-to-earnings ratio than Stem, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AppTech Payments	$276K	50.98	-$18.51M	-$0.19	N/A
Stem	$148.03M	0.36	$137.76M	-$8.49	N/A

In the previous week, Stem had 11 more articles in the media than AppTech Payments. MarketBeat recorded 11 mentions for Stem and 0 mentions for AppTech Payments. Stem's average media sentiment score of 0.22 beat AppTech Payments' score of 0.00 indicating that Stem is being referred to more favorably in the news media.

Company	Overall Sentiment
AppTech Payments	Neutral
Stem	Neutral

Summary

Stem beats AppTech Payments on 12 of the 15 factors compared between the two stocks.

How does AppTech Payments compare to NetSol Technologies?

AppTech Payments (NASDAQ:APCX) and NetSol Technologies (NASDAQ:NTWK) are both small-cap technology companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitability, media sentiment, institutional ownership, dividends and analyst recommendations.

NetSol Technologies has higher revenue and earnings than AppTech Payments. AppTech Payments is trading at a lower price-to-earnings ratio than NetSol Technologies, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AppTech Payments	$276K	50.98	-$18.51M	-$0.19	N/A
NetSol Technologies	$66.09M	0.73	$2.92M	$0.15	27.20

AppTech Payments has a beta of -0.47, suggesting that its share price is 147% less volatile than the broader market. Comparatively, NetSol Technologies has a beta of 0.93, suggesting that its share price is 7% less volatile than the broader market.

5.2% of AppTech Payments shares are owned by institutional investors. Comparatively, 16.0% of NetSol Technologies shares are owned by institutional investors. 44.5% of AppTech Payments shares are owned by insiders. Comparatively, 13.5% of NetSol Technologies shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

NetSol Technologies has a net margin of 2.49% compared to AppTech Payments' net margin of -3,119.45%. NetSol Technologies' return on equity of 4.24% beat AppTech Payments' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AppTech Payments	-3,119.45%	-398.98%	-153.45%
NetSol Technologies	2.49%	4.24%	2.76%

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AppTech Payments	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
NetSol Technologies	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

In the previous week, NetSol Technologies had 2 more articles in the media than AppTech Payments. MarketBeat recorded 2 mentions for NetSol Technologies and 0 mentions for AppTech Payments. NetSol Technologies' average media sentiment score of 0.22 beat AppTech Payments' score of 0.00 indicating that NetSol Technologies is being referred to more favorably in the news media.

Company	Overall Sentiment
AppTech Payments	Neutral
NetSol Technologies	Neutral

Summary

NetSol Technologies beats AppTech Payments on 12 of the 14 factors compared between the two stocks.

How does AppTech Payments compare to Virnetx?

AppTech Payments (NASDAQ:APCX) and Virnetx (NASDAQ:VHC) are both small-cap technology companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, earnings, analyst recommendations, valuation, media sentiment, profitability and risk.

5.2% of AppTech Payments shares are held by institutional investors. Comparatively, 10.4% of Virnetx shares are held by institutional investors. 44.5% of AppTech Payments shares are held by insiders. Comparatively, 15.7% of Virnetx shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AppTech Payments	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Virnetx	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00

Virnetx has a net margin of 0.00% compared to AppTech Payments' net margin of -3,119.45%. Virnetx's return on equity of -92.46% beat AppTech Payments' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AppTech Payments	-3,119.45%	-398.98%	-153.45%
Virnetx	N/A	-92.46%	-66.74%

In the previous week, Virnetx had 4 more articles in the media than AppTech Payments. MarketBeat recorded 4 mentions for Virnetx and 0 mentions for AppTech Payments. AppTech Payments' average media sentiment score of 0.00 beat Virnetx's score of -0.74 indicating that AppTech Payments is being referred to more favorably in the media.

Company	Overall Sentiment
AppTech Payments	Neutral
Virnetx	Negative

Virnetx has lower revenue, but higher earnings than AppTech Payments. Virnetx is trading at a lower price-to-earnings ratio than AppTech Payments, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AppTech Payments	$276K	50.98	-$18.51M	-$0.19	N/A
Virnetx	$160K	305.08	-$18.23M	-$5.37	N/A

AppTech Payments has a beta of -0.47, suggesting that its stock price is 147% less volatile than the broader market. Comparatively, Virnetx has a beta of 2.28, suggesting that its stock price is 128% more volatile than the broader market.

Summary

Virnetx beats AppTech Payments on 9 of the 14 factors compared between the two stocks.

How does AppTech Payments compare to YHN Acquisition I?

AppTech Payments (NASDAQ:APCX) and YHN Acquisition I (NASDAQ:YHNA) are both small-cap technology companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, earnings, media sentiment, analyst recommendations, valuation, profitability, dividends and risk.

YHN Acquisition I has lower revenue, but higher earnings than AppTech Payments.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AppTech Payments	$276K	50.98	-$18.51M	-$0.19	N/A
YHN Acquisition I	N/A	N/A	N/A	N/A	N/A

YHN Acquisition I has a net margin of 0.00% compared to AppTech Payments' net margin of -3,119.45%. YHN Acquisition I's return on equity of 0.00% beat AppTech Payments' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
AppTech Payments	-3,119.45%	-398.98%	-153.45%
YHN Acquisition I	N/A	N/A	N/A

In the previous week, AppTech Payments' average media sentiment score of 0.00 equaled YHN Acquisition I'saverage media sentiment score.

Company	Overall Sentiment
AppTech Payments	Neutral
YHN Acquisition I	Neutral

5.2% of AppTech Payments shares are held by institutional investors. 44.5% of AppTech Payments shares are held by company insiders. Comparatively, 2.9% of YHN Acquisition I shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

AppTech Payments has a beta of -0.47, suggesting that its share price is 147% less volatile than the broader market. Comparatively, YHN Acquisition I has a beta of 0.01, suggesting that its share price is 99% less volatile than the broader market.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
AppTech Payments	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
YHN Acquisition I	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00

Summary

YHN Acquisition I beats AppTech Payments on 5 of the 8 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding APCX and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

APCX vs. The Competition

Export

Metric	AppTech Payments	Software Industry	Technology Sector	NASDAQ Exchange
Market Cap	$14.07M	$15.94B	$29.82B	$12.91B
Dividend Yield	N/A	3.40%	2.73%	8.90%
P/E Ratio	-0.70	139.40	76.10	25.45
Price / Sales	50.98	1,295.54	588.30	79.09
Price / Cash	N/A	46.89	47.82	52.28
Price / Book	1.68	7.40	9.29	6.17
Net Income	-$18.51M	$437.25M	$679.28M	$350.08M
7 Day Performance	-6.92%	-1.63%	-0.88%	-0.14%
1 Month Performance	-12.85%	1.06%	-0.69%	1.02%
1 Year Performance	48.89%	4.56%	186.56%	14.51%

AppTech Payments Competitors List

Export

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
APCX AppTech Payments	N/A	$0.34 -5.6%	N/A	+76.2%	$14.07M	$276K	N/A	20	Gap Down
IDN Intellicheck	3.5246 of 5 stars	$2.88 +7.5%	$6.50 +125.7%	-46.8%	$58.37M	$24.11M	19.20	50	High Trading Volume
STEM Stem	2.5623 of 5 stars	$5.53 +1.3%	$7.45 +34.7%	-61.1%	$53.25M	$156.27M	N/A	660
NTWK NetSol Technologies	1.3877 of 5 stars	$4.10 +1.2%	N/A	+1.5%	$48.69M	$72.06M	27.34	1,460
VHC Virnetx	0.3265 of 5 stars	$11.44 +1.2%	N/A	N/A	$47.89M	$114K	N/A	20	News Coverage Positive News Analyst Upgrade High Trading Volume

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This page (NASDAQ:APCX) was last updated on 9/5/2026 by MarketBeat.com Staff.

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AppTech Payments (APCX) Competitors

APCX vs. IDN, STEM, NTWK, VHC, and YHNA

How does AppTech Payments compare to Intellicheck?

Summary

How does AppTech Payments compare to Stem?

Summary

How does AppTech Payments compare to NetSol Technologies?

Summary

How does AppTech Payments compare to Virnetx?

Summary

How does AppTech Payments compare to YHN Acquisition I?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

APCX vs. The Competition

AppTech Payments Competitors List

Related Companies and Tools

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Stock Ideas and Recommendations

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AppTech Payments (APCX) Competitors

APCX vs. IDN, STEM, NTWK, VHC, and YHNA

How does AppTech Payments compare to Intellicheck?

Which has more risk and volatility, IDN or APCX?

Does the media prefer IDN or APCX?

Do insiders and institutionals have more ownership in IDN or APCX?

Do analysts rate IDN or APCX?

Which has stronger earnings & valuation, IDN or APCX?

Is IDN or APCX more profitable?

Summary

How does AppTech Payments compare to Stem?

Do analysts recommend APCX or STEM?

Which has more volatility and risk, APCX or STEM?

Do institutionals and insiders hold more shares of APCX or STEM?

Is APCX or STEM more profitable?

Which has preferable valuation & earnings, APCX or STEM?

Does the media favor APCX or STEM?

Summary

How does AppTech Payments compare to NetSol Technologies?

Which has preferable earnings & valuation, APCX or NTWK?

Which has more volatility and risk, APCX or NTWK?

Do insiders and institutionals hold more shares of APCX or NTWK?

Is APCX or NTWK more profitable?

Do analysts rate APCX or NTWK?

Does the media favor APCX or NTWK?

Summary

How does AppTech Payments compare to Virnetx?

Do institutionals and insiders have more ownership in APCX or VHC?

Do analysts rate APCX or VHC?

Is APCX or VHC more profitable?

Does the media favor APCX or VHC?

Which has better earnings & valuation, APCX or VHC?

Which has more volatility & risk, APCX or VHC?

Summary

How does AppTech Payments compare to YHN Acquisition I?

Which has higher valuation & earnings, APCX or YHNA?

Is APCX or YHNA more profitable?

Does the media favor APCX or YHNA?

Do insiders and institutionals have more ownership in APCX or YHNA?

Which has more risk and volatility, APCX or YHNA?

Do analysts rate APCX or YHNA?

Summary

New MarketBeat Followers Over Time

Media Sentiment Over Time

APCX vs. The Competition

AppTech Payments Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools