The OLB Group, Inc. (OLB) 10-Year Financial Performance & Capital Metrics

OLB • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsPayment Processing

AboutThe OLB Group, Inc. provides integrated financial and transaction processing services for small- and mid-sized merchants in the United States. The company operates a Crowdfunding platform used to facilitate a capital raise anywhere of various types of securities under Regulation D, Regulation Crowdfunding, Regulation A, and the Securities Act of 1933; a cloud-based business management platform that provides turnkey solutions for merchants to enable them to build and manage their retail businesses; payment processing solutions to merchants, which enable merchants to process credit and debit card-based internet payments for sales of their products; and payment gateway and virtual terminal with proprietary business management tools. It is also involved in the cryptocurrency mining activities; cryptocurrency-related lending and transactional services; and provision of ecommerce development and consulting services. The company was founded in 1993 and is headquartered in New York, New York.Show more

Revenue $13M -58.0%
EBITDA -$9M +49.1%
Net Income -$11M +51.6%
EPS (Diluted) -6.10 +60.2%
Gross Margin -5.94% -132.6%
EBITDA Margin -66.41% -21.2%
Operating Margin -90.95% -18.4%
Net Margin -87.43% -15.3%
ROE -144.52% -46.5%
ROIC -108.72% -47.0%
Debt/Equity 0.12 +256.0%
Interest Coverage -254.16 -60.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Trading at only 0.4x book value
✓Efficient asset utilization: 1.0x turnover

✗Weaknesses

✗Weak Piotroski F-Score: 2/9
✗Negative free cash flow
✗Weak momentum: RS Rating 4 (bottom 4%)
✗Low quality earnings: Net income not backed by cash flow
✗Shares diluted 22.4% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y57.52%

5Y4.52%

3Y-8.41%

TTM-39.8%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM64.01%

EPS CAGR

10Y-

5Y-

3Y-

TTM77.38%

ROCE

10Y Avg-43.5%

5Y Avg-58.38%

3Y Avg-89.37%

Latest-148.02%

Peer Comparison

Payment Processing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BILLBill.com Holdings, Inc.	4.83B	48.25	209.78	13.36%	0.8%	0.31%	6.41%	0.45
BLBlackLine, Inc.	3.12B	52.43	36.16	10.74%	11.07%	20.75%	6.05%	1.90
NATLNCR Atleos Corporation	3.01B	40.72	33.11	3.01%	3.09%	39.88%	6.81%	11.54
OLBThe OLB Group, Inc.	6.41M	0.73	-0.12	-58%	-92.68%	-169.91%		0.12
LSPDLightspeed Commerce Inc.	1.6B	11.74	-2.71	18.43%	-58.98%	-45.18%		0.01
CCGWWCheche Group Inc. Warrant	9.09M	0.02		5.2%	-1.76%	-16.69%		0.10

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	66.29K	83.03K	51.54K	9.02M	10.29M	9.77M	16.71M	30.37M	30.57M	12.84M
Revenue Growth %	-0.51%	0.25%	-0.38%	174%	0.14%	-0.05%	0.71%	0.82%	0.01%	-0.58%
Cost of Goods Sold+	23.85K	20.89K	19.4K	5.99M	8.21M	6M	15.61M	26.23M	25M	13.6M
COGS % of Revenue	0.36%	0.25%	0.38%	0.66%	0.8%	0.61%	0.93%	0.86%	0.82%	1.06%
Gross Profit+	42.44K	62.13K	32.15K	3.03M	2.08M	3.76M	1.1M	4.14M	5.57M	-763.2K
Gross Margin %	0.64%	0.75%	0.62%	0.34%	0.2%	0.39%	0.07%	0.14%	0.18%	-0.06%
Gross Profit Growth %	-0.6%	0.46%	-0.48%	93.18%	-0.31%	0.81%	-0.71%	2.75%	0.35%	-1.14%
Operating Expenses+	373.54K	365.63K	403.98K	3.56M	2.35M	4.5M	5.87M	12.31M	29.05M	10.91M
OpEx % of Revenue	5.63%	4.4%	7.84%	0.39%	0.23%	0.46%	0.35%	0.41%	0.95%	0.85%
Selling, General & Admin	373.54K	365.63K	403.98K	3.02M	1.53M	3.65M	3.98M	5.46M	9.42M	4.8M
SG&A % of Revenue	5.63%	4.4%	7.84%	0.33%	0.15%	0.37%	0.24%	0.18%	0.31%	0.37%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	0	0	0	22.84K	812.86K	844.42K	1.89M	6.86M	19.63M	6.11M
Operating Income+	-331.1K	-303.5K	-371.84K	-533.07K	-268.86K	-732.79K	-4.76M	-8.17M	-23.48M	-11.68M
Operating Margin %	-4.99%	-3.66%	-7.21%	-0.06%	-0.03%	-0.08%	-0.29%	-0.27%	-0.77%	-0.91%
Operating Income Growth %	0.03%	0.08%	-0.23%	-0.43%	0.5%	-1.73%	-5.5%	-0.71%	-1.87%	0.5%
EBITDA+	0	0	74.69K	49.49K	573.29K	128.47K	-2.87M	-1.31M	-16.75M	-8.53M
EBITDA Margin %	-	-	1.45%	0.01%	0.06%	0.01%	-0.17%	-0.04%	-0.55%	-0.66%
EBITDA Growth %	-	-	-	-0.34%	10.58%	-0.78%	-23.37%	0.54%	-11.76%	0.49%
D&A (Non-Cash Add-back)	331.1K	303.5K	446.52K	582.56K	842.15K	861.27K	1.89M	6.86M	6.73M	3.15M
EBIT	-331.1K	-303.5K	-635.4K	-510.23K	-94.26K	-732.79K	-4.86M	-7.79M	-23.13M	-11.18M
Net Interest Income+	-11.25K	-9.45K	-26.9K	-883.32K	-1.25M	-1.04M	-116.74K	0	-148.48K	-45.94K
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	11.25K	9.45K	26.9K	883.32K	1.25M	1.04M	116.74K	0	148.48K	45.94K
Other Income/Expense	-11.25K	-9.45K	-26.9K	-860.48K	-1.07M	-1.04M	-213.62K	383.19K	204.08K	451.54K
Pretax Income+	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.27M	-11.22M
Pretax Margin %	-5.16%	-3.77%	-7.74%	-0.15%	-0.13%	-0.18%	-0.3%	-0.26%	-0.76%	-0.87%
Income Tax+	0	0	0	0	0	0	0	0	0	0
Effective Tax Rate %	1%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Net Income+	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.18M	-11.22M
Net Margin %	-5.16%	-3.77%	-7.74%	-0.15%	-0.13%	-0.18%	-0.3%	-0.26%	-0.76%	-0.87%
Net Income Growth %	0.05%	0.09%	-0.27%	-2.49%	0.04%	-0.32%	-1.8%	-0.56%	-1.98%	0.52%
Net Income (Continuing)	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.27M	-11.22M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	119.22K	0
EPS (Diluted)+	-0.91	-0.70	-0.87	-2.58	-4.76	-3.11	-6.99	-5.58	-15.33	-6.10
EPS Growth %	0.05%	0.23%	-0.24%	-1.97%	-0.84%	0.35%	-1.25%	0.2%	-1.75%	0.6%
EPS (Basic)	-0.91	-0.70	-0.87	-2.58	-4.76	-3.11	-6.99	-5.58	-15.33	-6.10
Diluted Shares Outstanding	376.88K	449.31K	459.07K	541.14K	545.26K	571.13K	791.83K	1.47M	1.52M	1.86M
Basic Shares Outstanding	376.88K	449.31K	459.07K	541.14K	545.26K	571.13K	791.83K	1.47M	1.52M	1.86M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	2.88K	1.16K	580	547.11K	1.11M	4.21M	4.89M	3.39M	1.82M	745.71K
Cash & Short-Term Investments	2.88K	1.16K	580	111.59K	507.62K	3.82M	3.47M	684.03K	452.67K	27.44K
Cash Only	2.88K	1.16K	580	111.59K	507.62K	3.82M	3.47M	434.03K	179.01K	27.44K
Short-Term Investments	0	0	0	0	0	0	0	250K	273.66K	0
Accounts Receivable	0	0	0	406.11K	479.4K	355.99K	670.82K	1.08M	870.89K	700.2K
Days Sales Outstanding	-	-	-	16.43	17	13.3	14.65	13.02	10.4	19.91
Inventory	0	0	0	21.14K	16.71K	15.75K	0	582.13K	0	0
Days Inventory Outstanding	-	-	-	1.29	0.74	0.96	-	8.1	-	-
Other Current Assets	0	0	0	8.28K	108.28K	-6.99K	729.35K	456.83K	312.1K	0
Total Non-Current Assets+	4.96K	4.96K	4.96K	11.45M	10.76M	10.17M	40.64M	35.27M	17.91M	11.93M
Property, Plant & Equipment	0	0	118.24K	65.94K	36.65K	289.31K	9.37M	7.59M	5.87M	3.39M
Fixed Asset Turnover	-	-	0.44x	136.78x	280.78x	33.76x	1.78x	4.00x	5.21x	3.78x
Goodwill	0	0	0	6.86M	6.86M	6.86M	6.86M	6.86M	8.14M	8.14M
Intangible Assets	4.96K	4.96K	4.96K	4.15M	3.34M	2.64M	23.96M	20.31M	3.5M	3.72K
Long-Term Investments	0	0	0	0	0	0	0	0	0	0
Other Non-Current Assets	0	0	-118.24K	379.91K	526.82K	384.15K	451.88K	502.92K	395.95K	395.95K
Total Assets+	7.84K	6.13K	5.54K	12M	11.87M	14.38M	45.53M	38.65M	19.73M	12.68M
Asset Turnover	8.46x	13.56x	9.30x	0.75x	0.87x	0.68x	0.37x	0.79x	1.55x	1.01x
Asset Growth %	0.58%	-0.22%	-0.09%	2162.98%	-0.01%	0.21%	2.17%	-0.15%	-0.49%	-0.36%
Total Current Liabilities+	18.33K	329.57K	93.12K	1.22M	2.49M	999.2K	3.88M	3.62M	7.23M	9.4M
Accounts Payable	18.33K	41.93K	89.64K	467.53K	592.85K	359.97K	501.76K	513.27K	3.53M	4.22M
Days Payables Outstanding	280.54	732.52	1.69K	28.48	26.34	21.88	11.73	7.14	51.49	113.14
Short-Term Debt	0	163K	3.48K	25K	711.47K	450K	0	298.05K	258.82K	234.69K
Deferred Revenue (Current)	0	-163K	-3.48K	-25K	99.59K	0	0	0	0	0
Other Current Liabilities	0	0	0	0	0	0	2.82M	2.29M	2M	2M
Current Ratio	0.16x	0.00x	0.01x	0.45x	0.45x	4.21x	1.26x	0.94x	0.25x	0.08x
Quick Ratio	0.16x	0.00x	0.01x	0.43x	0.44x	4.19x	1.26x	0.78x	0.25x	0.08x
Cash Conversion Cycle	-	-	-	-10.76	-8.6	-7.62	-	13.98	-	-
Total Non-Current Liabilities+	0	0	0	12.5M	12.18M	7.63M	273.17K	397.81K	149.04K	93.87K
Long-Term Debt	0	0	0	12.5M	12.18M	7.44M	0	259.38K	149.04K	0
Capital Lease Obligations	0	0	0	0	0	185.04K	273.17K	138.44K	0	93.87K
Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	0
Total Liabilities	18.33K	329.57K	93.12K	13.72M	14.67M	8.63M	4.15M	4.02M	7.38M	9.49M
Total Debt+	0	163K	3.48K	12.53M	12.89M	8.16M	406.35K	830.19K	407.86K	375.05K
Net Debt	-2.88K	161.84K	2.9K	12.41M	12.38M	4.34M	-3.06M	396.16K	228.85K	347.61K
Debt / Equity	-	-	-	-	-	1.42x	0.01x	0.02x	0.03x	0.12x
Debt / EBITDA	-	-	0.05x	253.07x	22.48x	63.53x	-	-	-	-
Net Debt / EBITDA	-	-	0.04x	250.81x	21.59x	33.76x	-	-	-	-
Interest Coverage	-29.44x	-32.10x	-13.82x	-0.60x	-0.22x	-0.70x	-40.82x	-	-158.12x	-254.16x
Total Equity+	-10.49K	-323.44K	-87.58K	-1.72M	-2.8M	5.75M	41.38M	34.64M	12.34M	3.19M
Equity Growth %	0.37%	-29.82%	0.73%	-18.66%	-0.63%	3.05%	6.19%	-0.16%	-0.64%	-0.74%
Book Value per Share	-0.03	-0.72	-0.19	-3.18	-5.14	10.07	52.26	23.60	8.12	1.71
Total Shareholders' Equity	-10.49K	-323.44K	-87.58K	-1.72M	-2.8M	5.75M	41.38M	34.64M	12.23M	3.19M
Common Stock	1.35K	1.35K	1.98K	16.24K	541	617	1.2K	1.51K	1.52K	228
Retained Earnings	-14.97M	-15.28M	-15.68M	-17.51M	-18.85M	-20.63M	-25.61M	-33.39M	-56.57M	-67.8M
Treasury Stock	0	0	0	0	0	0	0	-109.99K	-109.99K	-109.99K
Accumulated OCI	0	0	0	-40.66K	-69.95K	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	119.22K	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-199.81K	-164.72K	-54.08K	-131.09K	244.87K	-326.66K	-3.51M	-1.92M	2.05M	-2.6M
Operating CF Margin %	-3.01%	-1.98%	-1.05%	-0.01%	0.02%	-0.03%	-0.21%	-0.06%	0.07%	-0.2%
Operating CF Growth %	-0.47%	0.18%	0.67%	-1.42%	2.87%	-2.33%	-9.74%	0.45%	2.07%	-2.27%
Net Income	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.27M	-11.22M
Depreciation & Amortization	0	0	0	582.56K	842.15K	861.27K	1.89M	6.86M	6.73M	3.15M
Stock-Based Compensation	135.8K	0	22.5K	185.96K	265.05K	298.38K	296.04K	624.68K	727.76K	406.5K
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	0	0	2.5K	29.73K	0	204.86K	-372.55K	-561.18K	12.59M	2.47M
Working Capital Changes	142.54K	148.24K	342.16K	464.2K	481.08K	85.56K	-344.11K	-1.06M	5.27M	2.6M
Change in Receivables	0	0	-27.79K	63.87K	-73.29K	123.41K	-314.83K	35.8K	570.47K	366.27K
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	142.54K	148.24K	342.16K	149.16K	125.33K	-232.88K	141.79K	11.5K	2.73M	689.5K
Cash from Investing+	0	0	0	217.68K	0	-150K	-25.66M	-1.56M	-2.08M	332.89K
Capital Expenditures	0	0	0	0	0	-150K	-9.6M	-1.56M	-1.23M	0
CapEx % of Revenue	-	-	0.91%	0%	-	0.02%	0.57%	0.05%	0.04%	-
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	0	0	0	174.97K	0	0	-16.07M	0	-4.96K	0
Cash from Financing+	202.69K	163K	53.5K	25K	151.16K	3.79M	28.82M	447.43K	-221.83K	2.12M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-313	0	0	0	-210.31K	-43.54K	8.09M	0	12.68K	1.2M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	-199.81K	-164.72K	-100.99K	-137.37K	244.87K	-476.66K	-29.17M	-3.48M	816.81K	-2.6M
FCF Margin %	-3.01%	-1.98%	-1.96%	-0.02%	0.02%	-0.05%	-1.75%	-0.11%	0.03%	-0.2%
FCF Growth %	-0.47%	0.18%	0.39%	-0.36%	2.78%	-2.95%	-60.2%	0.88%	1.23%	-4.18%
FCF per Share	-0.53	-0.37	-0.22	-0.25	0.45	-0.83	-36.84	-2.37	0.54	-1.40
FCF Conversion (FCF/Net Income)	0.58x	0.53x	0.14x	0.09x	-0.18x	0.18x	0.70x	0.25x	-0.09x	0.23x
Interest Paid	0	-1.25K	0	728K	876.88K	813.48K	116.74K	0	0	0
Taxes Paid	0	0	0	0	0	0	0	0	0	0

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-	-	-	-	-120.38%	-21.12%	-20.49%	-98.68%	-144.52%
Return on Invested Capital (ROIC)	-	-	-	-7.54%	-1.99%	-5.59%	-14.76%	-16.71%	-73.97%	-108.72%
Gross Margin	64.02%	74.83%	62.37%	33.56%	20.18%	38.53%	6.61%	13.64%	18.23%	-5.94%
Net Margin	-516.44%	-376.93%	-773.6%	-15.45%	-13.05%	-18.19%	-29.79%	-25.64%	-75.82%	-87.43%
Debt / Equity	-	-	-	-	-	1.42x	0.01x	0.02x	0.03x	0.12x
Interest Coverage	-29.44x	-32.10x	-13.82x	-0.60x	-0.22x	-0.70x	-40.82x	-	-158.12x	-254.16x
FCF Conversion	0.58x	0.53x	0.14x	0.09x	-0.18x	0.18x	0.70x	0.25x	-0.09x	0.23x
Revenue Growth	-51.43%	25.25%	-37.92%	17399.71%	14.1%	-5.1%	71.1%	81.73%	0.67%	-58%

Frequently Asked Questions

Growth & Financials

The OLB Group, Inc. (OLB) reported $9.6M in revenue for fiscal year 2024. This represents a 5117% increase from $0.2M in 2011.

The OLB Group, Inc. (OLB) saw revenue decline by 58.0% over the past year.

The OLB Group, Inc. (OLB) reported a net loss of $8.9M for fiscal year 2024.

Dividend & Returns

The OLB Group, Inc. (OLB) has a return on equity (ROE) of -144.5%. Negative ROE indicates the company is unprofitable.

The OLB Group, Inc. (OLB) had negative free cash flow of $2.3M in fiscal year 2024, likely due to heavy capital investments.

US Stock Screener

...

The OLB Group, Inc. (OLB) 10-Year Financial Performance & Capital Metrics

OLB • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsPayment Processing

Revenue $13M -58.0%
EBITDA -$9M +49.1%
Net Income -$11M +51.6%
EPS (Diluted) -6.10 +60.2%
Gross Margin -5.94% -132.6%
EBITDA Margin -66.41% -21.2%
Operating Margin -90.95% -18.4%
Net Margin -87.43% -15.3%
ROE -144.52% -46.5%
ROIC -108.72% -47.0%
Debt/Equity 0.12 +256.0%
Interest Coverage -254.16 -60.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Trading at only 0.4x book value
✓Efficient asset utilization: 1.0x turnover

✗Weaknesses

✗Weak Piotroski F-Score: 2/9
✗Negative free cash flow
✗Weak momentum: RS Rating 4 (bottom 4%)
✗Low quality earnings: Net income not backed by cash flow
✗Shares diluted 22.4% in last year
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y57.52%

5Y4.52%

3Y-8.41%

TTM-39.8%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM64.01%

EPS CAGR

10Y-

5Y-

3Y-

TTM77.38%

ROCE

10Y Avg-43.5%

5Y Avg-58.38%

3Y Avg-89.37%

Latest-148.02%

Peer Comparison

Payment Processing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BILLBill.com Holdings, Inc.	4.83B	48.25	209.78	13.36%	0.8%	0.31%	6.41%	0.45
BLBlackLine, Inc.	3.12B	52.43	36.16	10.74%	11.07%	20.75%	6.05%	1.90
NATLNCR Atleos Corporation	3.01B	40.72	33.11	3.01%	3.09%	39.88%	6.81%	11.54
OLBThe OLB Group, Inc.	6.41M	0.73	-0.12	-58%	-92.68%	-169.91%		0.12
LSPDLightspeed Commerce Inc.	1.6B	11.74	-2.71	18.43%	-58.98%	-45.18%		0.01
CCGWWCheche Group Inc. Warrant	9.09M	0.02		5.2%	-1.76%	-16.69%		0.10

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	66.29K	83.03K	51.54K	9.02M	10.29M	9.77M	16.71M	30.37M	30.57M	12.84M
Revenue Growth %	-0.51%	0.25%	-0.38%	174%	0.14%	-0.05%	0.71%	0.82%	0.01%	-0.58%
Cost of Goods Sold+	23.85K	20.89K	19.4K	5.99M	8.21M	6M	15.61M	26.23M	25M	13.6M
COGS % of Revenue	0.36%	0.25%	0.38%	0.66%	0.8%	0.61%	0.93%	0.86%	0.82%	1.06%
Gross Profit+	42.44K	62.13K	32.15K	3.03M	2.08M	3.76M	1.1M	4.14M	5.57M	-763.2K
Gross Margin %	0.64%	0.75%	0.62%	0.34%	0.2%	0.39%	0.07%	0.14%	0.18%	-0.06%
Gross Profit Growth %	-0.6%	0.46%	-0.48%	93.18%	-0.31%	0.81%	-0.71%	2.75%	0.35%	-1.14%
Operating Expenses+	373.54K	365.63K	403.98K	3.56M	2.35M	4.5M	5.87M	12.31M	29.05M	10.91M
OpEx % of Revenue	5.63%	4.4%	7.84%	0.39%	0.23%	0.46%	0.35%	0.41%	0.95%	0.85%
Selling, General & Admin	373.54K	365.63K	403.98K	3.02M	1.53M	3.65M	3.98M	5.46M	9.42M	4.8M
SG&A % of Revenue	5.63%	4.4%	7.84%	0.33%	0.15%	0.37%	0.24%	0.18%	0.31%	0.37%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	0	0	0	22.84K	812.86K	844.42K	1.89M	6.86M	19.63M	6.11M
Operating Income+	-331.1K	-303.5K	-371.84K	-533.07K	-268.86K	-732.79K	-4.76M	-8.17M	-23.48M	-11.68M
Operating Margin %	-4.99%	-3.66%	-7.21%	-0.06%	-0.03%	-0.08%	-0.29%	-0.27%	-0.77%	-0.91%
Operating Income Growth %	0.03%	0.08%	-0.23%	-0.43%	0.5%	-1.73%	-5.5%	-0.71%	-1.87%	0.5%
EBITDA+	0	0	74.69K	49.49K	573.29K	128.47K	-2.87M	-1.31M	-16.75M	-8.53M
EBITDA Margin %	-	-	1.45%	0.01%	0.06%	0.01%	-0.17%	-0.04%	-0.55%	-0.66%
EBITDA Growth %	-	-	-	-0.34%	10.58%	-0.78%	-23.37%	0.54%	-11.76%	0.49%
D&A (Non-Cash Add-back)	331.1K	303.5K	446.52K	582.56K	842.15K	861.27K	1.89M	6.86M	6.73M	3.15M
EBIT	-331.1K	-303.5K	-635.4K	-510.23K	-94.26K	-732.79K	-4.86M	-7.79M	-23.13M	-11.18M
Net Interest Income+	-11.25K	-9.45K	-26.9K	-883.32K	-1.25M	-1.04M	-116.74K	0	-148.48K	-45.94K
Interest Income	0	0	0	0	0	0	0	0	0	0
Interest Expense	11.25K	9.45K	26.9K	883.32K	1.25M	1.04M	116.74K	0	148.48K	45.94K
Other Income/Expense	-11.25K	-9.45K	-26.9K	-860.48K	-1.07M	-1.04M	-213.62K	383.19K	204.08K	451.54K
Pretax Income+	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.27M	-11.22M
Pretax Margin %	-5.16%	-3.77%	-7.74%	-0.15%	-0.13%	-0.18%	-0.3%	-0.26%	-0.76%	-0.87%
Income Tax+	0	0	0	0	0	0	0	0	0	0
Effective Tax Rate %	1%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Net Income+	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.18M	-11.22M
Net Margin %	-5.16%	-3.77%	-7.74%	-0.15%	-0.13%	-0.18%	-0.3%	-0.26%	-0.76%	-0.87%
Net Income Growth %	0.05%	0.09%	-0.27%	-2.49%	0.04%	-0.32%	-1.8%	-0.56%	-1.98%	0.52%
Net Income (Continuing)	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.27M	-11.22M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	119.22K	0
EPS (Diluted)+	-0.91	-0.70	-0.87	-2.58	-4.76	-3.11	-6.99	-5.58	-15.33	-6.10
EPS Growth %	0.05%	0.23%	-0.24%	-1.97%	-0.84%	0.35%	-1.25%	0.2%	-1.75%	0.6%
EPS (Basic)	-0.91	-0.70	-0.87	-2.58	-4.76	-3.11	-6.99	-5.58	-15.33	-6.10
Diluted Shares Outstanding	376.88K	449.31K	459.07K	541.14K	545.26K	571.13K	791.83K	1.47M	1.52M	1.86M
Basic Shares Outstanding	376.88K	449.31K	459.07K	541.14K	545.26K	571.13K	791.83K	1.47M	1.52M	1.86M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	2.88K	1.16K	580	547.11K	1.11M	4.21M	4.89M	3.39M	1.82M	745.71K
Cash & Short-Term Investments	2.88K	1.16K	580	111.59K	507.62K	3.82M	3.47M	684.03K	452.67K	27.44K
Cash Only	2.88K	1.16K	580	111.59K	507.62K	3.82M	3.47M	434.03K	179.01K	27.44K
Short-Term Investments	0	0	0	0	0	0	0	250K	273.66K	0
Accounts Receivable	0	0	0	406.11K	479.4K	355.99K	670.82K	1.08M	870.89K	700.2K
Days Sales Outstanding	-	-	-	16.43	17	13.3	14.65	13.02	10.4	19.91
Inventory	0	0	0	21.14K	16.71K	15.75K	0	582.13K	0	0
Days Inventory Outstanding	-	-	-	1.29	0.74	0.96	-	8.1	-	-
Other Current Assets	0	0	0	8.28K	108.28K	-6.99K	729.35K	456.83K	312.1K	0
Total Non-Current Assets+	4.96K	4.96K	4.96K	11.45M	10.76M	10.17M	40.64M	35.27M	17.91M	11.93M
Property, Plant & Equipment	0	0	118.24K	65.94K	36.65K	289.31K	9.37M	7.59M	5.87M	3.39M
Fixed Asset Turnover	-	-	0.44x	136.78x	280.78x	33.76x	1.78x	4.00x	5.21x	3.78x
Goodwill	0	0	0	6.86M	6.86M	6.86M	6.86M	6.86M	8.14M	8.14M
Intangible Assets	4.96K	4.96K	4.96K	4.15M	3.34M	2.64M	23.96M	20.31M	3.5M	3.72K
Long-Term Investments	0	0	0	0	0	0	0	0	0	0
Other Non-Current Assets	0	0	-118.24K	379.91K	526.82K	384.15K	451.88K	502.92K	395.95K	395.95K
Total Assets+	7.84K	6.13K	5.54K	12M	11.87M	14.38M	45.53M	38.65M	19.73M	12.68M
Asset Turnover	8.46x	13.56x	9.30x	0.75x	0.87x	0.68x	0.37x	0.79x	1.55x	1.01x
Asset Growth %	0.58%	-0.22%	-0.09%	2162.98%	-0.01%	0.21%	2.17%	-0.15%	-0.49%	-0.36%
Total Current Liabilities+	18.33K	329.57K	93.12K	1.22M	2.49M	999.2K	3.88M	3.62M	7.23M	9.4M
Accounts Payable	18.33K	41.93K	89.64K	467.53K	592.85K	359.97K	501.76K	513.27K	3.53M	4.22M
Days Payables Outstanding	280.54	732.52	1.69K	28.48	26.34	21.88	11.73	7.14	51.49	113.14
Short-Term Debt	0	163K	3.48K	25K	711.47K	450K	0	298.05K	258.82K	234.69K
Deferred Revenue (Current)	0	-163K	-3.48K	-25K	99.59K	0	0	0	0	0
Other Current Liabilities	0	0	0	0	0	0	2.82M	2.29M	2M	2M
Current Ratio	0.16x	0.00x	0.01x	0.45x	0.45x	4.21x	1.26x	0.94x	0.25x	0.08x
Quick Ratio	0.16x	0.00x	0.01x	0.43x	0.44x	4.19x	1.26x	0.78x	0.25x	0.08x
Cash Conversion Cycle	-	-	-	-10.76	-8.6	-7.62	-	13.98	-	-
Total Non-Current Liabilities+	0	0	0	12.5M	12.18M	7.63M	273.17K	397.81K	149.04K	93.87K
Long-Term Debt	0	0	0	12.5M	12.18M	7.44M	0	259.38K	149.04K	0
Capital Lease Obligations	0	0	0	0	0	185.04K	273.17K	138.44K	0	93.87K
Deferred Tax Liabilities	0	0	0	0	0	0	0	0	0	0
Other Non-Current Liabilities	0	0	0	0	0	0	0	0	0	0
Total Liabilities	18.33K	329.57K	93.12K	13.72M	14.67M	8.63M	4.15M	4.02M	7.38M	9.49M
Total Debt+	0	163K	3.48K	12.53M	12.89M	8.16M	406.35K	830.19K	407.86K	375.05K
Net Debt	-2.88K	161.84K	2.9K	12.41M	12.38M	4.34M	-3.06M	396.16K	228.85K	347.61K
Debt / Equity	-	-	-	-	-	1.42x	0.01x	0.02x	0.03x	0.12x
Debt / EBITDA	-	-	0.05x	253.07x	22.48x	63.53x	-	-	-	-
Net Debt / EBITDA	-	-	0.04x	250.81x	21.59x	33.76x	-	-	-	-
Interest Coverage	-29.44x	-32.10x	-13.82x	-0.60x	-0.22x	-0.70x	-40.82x	-	-158.12x	-254.16x
Total Equity+	-10.49K	-323.44K	-87.58K	-1.72M	-2.8M	5.75M	41.38M	34.64M	12.34M	3.19M
Equity Growth %	0.37%	-29.82%	0.73%	-18.66%	-0.63%	3.05%	6.19%	-0.16%	-0.64%	-0.74%
Book Value per Share	-0.03	-0.72	-0.19	-3.18	-5.14	10.07	52.26	23.60	8.12	1.71
Total Shareholders' Equity	-10.49K	-323.44K	-87.58K	-1.72M	-2.8M	5.75M	41.38M	34.64M	12.23M	3.19M
Common Stock	1.35K	1.35K	1.98K	16.24K	541	617	1.2K	1.51K	1.52K	228
Retained Earnings	-14.97M	-15.28M	-15.68M	-17.51M	-18.85M	-20.63M	-25.61M	-33.39M	-56.57M	-67.8M
Treasury Stock	0	0	0	0	0	0	0	-109.99K	-109.99K	-109.99K
Accumulated OCI	0	0	0	-40.66K	-69.95K	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	119.22K	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-199.81K	-164.72K	-54.08K	-131.09K	244.87K	-326.66K	-3.51M	-1.92M	2.05M	-2.6M
Operating CF Margin %	-3.01%	-1.98%	-1.05%	-0.01%	0.02%	-0.03%	-0.21%	-0.06%	0.07%	-0.2%
Operating CF Growth %	-0.47%	0.18%	0.67%	-1.42%	2.87%	-2.33%	-9.74%	0.45%	2.07%	-2.27%
Net Income	-342.35K	-312.95K	-398.74K	-1.39M	-1.34M	-1.78M	-4.98M	-7.79M	-23.27M	-11.22M
Depreciation & Amortization	0	0	0	582.56K	842.15K	861.27K	1.89M	6.86M	6.73M	3.15M
Stock-Based Compensation	135.8K	0	22.5K	185.96K	265.05K	298.38K	296.04K	624.68K	727.76K	406.5K
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	0	0	2.5K	29.73K	0	204.86K	-372.55K	-561.18K	12.59M	2.47M
Working Capital Changes	142.54K	148.24K	342.16K	464.2K	481.08K	85.56K	-344.11K	-1.06M	5.27M	2.6M
Change in Receivables	0	0	-27.79K	63.87K	-73.29K	123.41K	-314.83K	35.8K	570.47K	366.27K
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	142.54K	148.24K	342.16K	149.16K	125.33K	-232.88K	141.79K	11.5K	2.73M	689.5K
Cash from Investing+	0	0	0	217.68K	0	-150K	-25.66M	-1.56M	-2.08M	332.89K
Capital Expenditures	0	0	0	0	0	-150K	-9.6M	-1.56M	-1.23M	0
CapEx % of Revenue	-	-	0.91%	0%	-	0.02%	0.57%	0.05%	0.04%	-
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	0	0	0	174.97K	0	0	-16.07M	0	-4.96K	0
Cash from Financing+	202.69K	163K	53.5K	25K	151.16K	3.79M	28.82M	447.43K	-221.83K	2.12M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-313	0	0	0	-210.31K	-43.54K	8.09M	0	12.68K	1.2M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	-199.81K	-164.72K	-100.99K	-137.37K	244.87K	-476.66K	-29.17M	-3.48M	816.81K	-2.6M
FCF Margin %	-3.01%	-1.98%	-1.96%	-0.02%	0.02%	-0.05%	-1.75%	-0.11%	0.03%	-0.2%
FCF Growth %	-0.47%	0.18%	0.39%	-0.36%	2.78%	-2.95%	-60.2%	0.88%	1.23%	-4.18%
FCF per Share	-0.53	-0.37	-0.22	-0.25	0.45	-0.83	-36.84	-2.37	0.54	-1.40
FCF Conversion (FCF/Net Income)	0.58x	0.53x	0.14x	0.09x	-0.18x	0.18x	0.70x	0.25x	-0.09x	0.23x
Interest Paid	0	-1.25K	0	728K	876.88K	813.48K	116.74K	0	0	0
Taxes Paid	0	0	0	0	0	0	0	0	0	0

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-	-	-	-	-120.38%	-21.12%	-20.49%	-98.68%	-144.52%
Return on Invested Capital (ROIC)	-	-	-	-7.54%	-1.99%	-5.59%	-14.76%	-16.71%	-73.97%	-108.72%
Gross Margin	64.02%	74.83%	62.37%	33.56%	20.18%	38.53%	6.61%	13.64%	18.23%	-5.94%
Net Margin	-516.44%	-376.93%	-773.6%	-15.45%	-13.05%	-18.19%	-29.79%	-25.64%	-75.82%	-87.43%
Debt / Equity	-	-	-	-	-	1.42x	0.01x	0.02x	0.03x	0.12x
Interest Coverage	-29.44x	-32.10x	-13.82x	-0.60x	-0.22x	-0.70x	-40.82x	-	-158.12x	-254.16x
FCF Conversion	0.58x	0.53x	0.14x	0.09x	-0.18x	0.18x	0.70x	0.25x	-0.09x	0.23x
Revenue Growth	-51.43%	25.25%	-37.92%	17399.71%	14.1%	-5.1%	71.1%	81.73%	0.67%	-58%

Frequently Asked Questions

Growth & Financials

The OLB Group, Inc. (OLB) reported $9.6M in revenue for fiscal year 2024. This represents a 5117% increase from $0.2M in 2011.

The OLB Group, Inc. (OLB) saw revenue decline by 58.0% over the past year.

The OLB Group, Inc. (OLB) reported a net loss of $8.9M for fiscal year 2024.

Dividend & Returns

The OLB Group, Inc. (OLB) has a return on equity (ROE) of -144.5%. Negative ROE indicates the company is unprofitable.

The OLB Group, Inc. (OLB) had negative free cash flow of $2.3M in fiscal year 2024, likely due to heavy capital investments.