Alright, imagine you have a lemonade stand. That's your company.

1. **Inter (INTR)** - Last month, maybe some kids stopped buying from your friend's lemonade stand because they heard it wasn't so good anymore. So, their stock price went down by about 29%. But hey, it's still better than when it was at just $4.32! Right now, it's at $4.56, but some people might think it's too cheap and sell even more, making the price go down again.

2. **Nu Holdings (NU)** - Another friend of yours who has a lemonade stand got a bad review from someone important, like the teacher or a principal. Because of this, lots of kids stopped buying their lemonade too, and their stock price went down by about 14% in just five days. Now it's at $12.00, but some people are worried it might go even lower.

3. **AppTech Payments (APCX)** - You know that one kid who always tries to sell weird soda instead of lemonade? Yeah, they had a bad quarter! Lots of kids didn't want their soda either, so their stock price went down by about 37% last month, and it's now at just $0.42.

The thing called RSI is like how thirsty your customers are - when it's low, they're really thirsty (and might buy more lemonade), but if it's high, they've already had a lot to drink (so maybe they won't buy more).

These news stories are like rumors or reviews that can make people want to buy or sell shares of the company (like buying or not buying from their lemonade stand). Read from source...

Based on the provided text, here are some aspects that could be critiqued as inconsistencies, biases, or flawed arguments:

1. **Inconsistency:**
- The article mentions Inter (INTR) has a 52-week low of $4.32 but then states its share price closed at $4.56 on Monday. This seems inconsistent; if it had a 52-week low, it should be around or below that price.

2. **Bias:**
- The article uses strong language like "fell" repeatedly to describe the stock prices declining, which could create a biased perception that these stocks are performing poorly without context. For instance, Nu Holdings (NU) has seen a significant decline in five days, but without knowing its previous performance or growth trajectory, it's challenging to attribute this solely to a 'Sell' rating from Citigroup.

3. **Irrational arguments or emotional behavior:**
- The article mentions AppTech Payments Corp (APCX) missed analyst estimates by 2 cents per share and then states the stock fell around 37% over the past month. While missing earnings can impact stock price, a 37% drop might be an overreaction justifying more consideration of other factors.
- The use of the phrase "potential breakout" without any context or further analysis for APCX could also be seen as appealing to investors' hope rather than providing robust information.

4. **Lack of context:**
- While Relative Strength Index (RSI) is mentioned, no explanation or interpretation of these values (19.97 for INTR and 26.71 for NU) is provided. This could be important context to help readers understand if these stocks are oversold or not.
- No mention is made of why shares fell sharply on Monday for NU and APCX, which could provide essential context for their decline.

These points highlight the need for more balanced reporting, detailed analysis, and clear explanations when discussing stock performance.

Based on the information provided in the article, here's the sentiment analysis for each company:

1. **InterDigital (INTR):**
- Price Action: Shares fell 1.3% on Monday.
- RSI Value: 19.97 (indicating oversold conditions).
- 52-week low recently hit ($4.32).
- Analyst downgrade and target price decrease mentioned.
- **Sentiment:** Bearish/ Negative.

2. **Nu Holdings Ltd (NU):**
- Price Action: Shares fell 4.2% on Monday.
- RSI Value: 26.71 (also indicating oversold conditions).
- 52-week low recently hit ($8.06).
- Analyst downgrade and stock fall of around 14% in the past five days mentioned.
- **Sentiment:** Bearish/Negative.

3. **AppTech Payments Corp (APCX):**
- Price Action: Shares fell 12.5% on Monday.
- RSI Value: 25.34 (indicating oversold conditions).
- 52-week low recently hit ($0.38).
- Missed analyst consensus estimate in recent quarterly results.
- Stock fallen around 37% over the past month.
- **Sentiment:** Bearish/Negative.

Overall, the sentiment of the article is **negative/bearish**, as it focuses on companies that have been performing poorly and are oversold according to their RSI values.

Based on the provided information, here are comprehensive investment recommendations with corresponding risks for each of the three stocks:

1. **Inter Parfums, Inc. (INTR)**
- *Recommendation*: Hold or Accumulate.
- INTR's stock has recently seen a significant decline (29% in the past month), and it's at its 52-week low. The RSI value of 19.97 indicates that the stock is oversold, suggesting a potential buying opportunity. However, the downward trend needs to be vigilantly monitored.
- *Risks*:
- The company's recent performance and analyst downgrades may hint at further short-term weakness.
- Competition in the fragrance market could lead to margin compression.

2. **Nu Holdings Ltd (NU)**
- *Recommendation*: Hold or Accumulate with a long-term perspective.
- Despite the recent decline (14% in the past five days), NU is still above its 52-week low and the RSI value of 26.71 suggests that the stock is undervalued but not yet oversold.
- *Risks*:
- Nu Holdings operates in a highly competitive payments processing market, which could lead to price wars or customer churn.
- The impact of geopolitical risks and economic downturns may affect the company's growth prospects.

3. **AppTech Payments Corp (APCX)**
- *Recommendation*: Avoid or consider shorting due to recent disappointing results.
- APCX reported a miss on analyst estimates in Q3, and its stock has plummeted (-37% in the past month). Although the RSI value of 25.34 indicates oversold conditions, the company's fundamentals raise concerns about its current financial health.
- *Risks*:
- AppTech might be at risk of diluting shares to raise capital or keep operating, which could further pressure the stock price.
- As a smaller player in digital payments, APCX faces fierce competition and may struggle to gain market share.

Before entering any trades, ensure you conduct thorough due diligence and consider seeking advice from a financial advisor. Diversify your portfolio by spreading investments across multiple sectors, companies, and asset classes to mitigate risks. Keep monitoring these stocks' performance and fundamentals for opportunities or to cut losses if necessary.

Disclaimer: This is not investment advice, and any decisions made should be based on personal research and risk tolerance.