AppTech Payments Corp. reported significant financial challenges in its latest 10-Q filing for the quarter ending September 30, 2024. The company experienced a notable decline in revenue, with total revenues for the third quarter at $43,000, down 69% from $140,000 in the same period last year. For the nine months ended September 30, 2024, revenues totaled $224,000, a decrease of 38% compared to $363,000 for the same period in 2023. This decline was primarily attributed to lower merchant processing revenue and licensing fees.

The company's gross profit also fell sharply, with Q3 2024 gross profit at $19,000 compared to $96,000 in Q3 2023. Operating expenses decreased to $1.87 million in Q3 2024 from $2.98 million in Q3 2023, reflecting cost-cutting measures. Despite this reduction, AppTech reported a net loss of $2.03 million for Q3 2024, slightly improved from a net loss of $2.89 million in Q3 2023. For the nine-month period, the net loss was $7.98 million, down from $15.13 million in the prior year.

As of September 30, 2024, AppTech's total assets decreased to $6.61 million from $8.35 million at the end of 2023, while total liabilities increased to $5.22 million from $4.16 million. Stockholders' equity also fell to $1.40 million from $4.19 million, raising concerns about the company's financial stability.

Strategically, AppTech made significant moves, including the acquisition of Alliance Partners, LLC for $2 million in cash on October 13, 2023, and the acquisition of FinZeo, which added $4.4 million in intangible assets. However, the company is facing challenges in raising capital, having entered into a sales agreement to sell up to $18 million in common stock but currently unable to do so.

The company has also been navigating compliance issues with Nasdaq, receiving deficiency notices regarding its stock price and stockholders' equity. AppTech submitted a compliance plan to address these issues, but potential delisting remains a concern.

Management is actively pursuing additional funding options and is optimistic about generating revenue in the coming year, although they acknowledge the ongoing challenges and uncertainties in the market.

About AppTech Payments Corp.

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