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OLB logoThe OLB Group, Inc.(OLB)Earnings, Financials & Key Ratios

OLB•NASDAQ
$0.49
$919106 mkt cap·Price updated May 7, 2026
SectorTechnologyIndustryApplication SoftwareSub-IndustryPayments, billing and spend management
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/Equity0.12+256.0%
  • Interest Coverage-254.16-60.7%
Technical→

OLB Key Insights

The OLB Group, Inc. (OLB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Trading at only 0.3x book value
  • ✓Efficient asset utilization: 1.0x turnover

✗Weaknesses

  • ✗Weak Piotroski F-Score: 2/9
  • ✗Negative free cash flow
  • ✗Weak momentum: RS Rating 11 (bottom 11%)
  • ✗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

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

OLB Price & Volume

The OLB Group, Inc. (OLB) stock price & volume — 10-year historical chart

Loading chart...

OLB Growth Metrics

The OLB Group, Inc. (OLB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years57.52%
5 Years4.52%
3 Years-8.41%
TTM-39.8%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM64.01%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM77.38%

Return on Capital

10 Years-43.5%
5 Years-58.38%
3 Years-89.37%
Last Year-148.02%

OLB Peer Comparison

The OLB Group, Inc. (OLB) competitors in Payments, billing and spend management — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
USIO logoUSIOUsio, Inc.Direct Competitor36.33M1.31-14.042.97%-2.94%-13.52%0.14
CASS logoCASSCass Information Systems, Inc.Direct Competitor614.69M47.6218.25-13.1%17.25%14.61%0.02
PRTH logoPRTHPriority Technology Holdings, Inc.Direct Competitor451.31M5.518.108.33%5.84%
FOUR logoFOURShift4 Payments, Inc.Product Competitor3.81B46.8643.3925.5%2.58%4.39%2.36
IIIV logoIIIVi3 Verticals, Inc.Product Competitor506.18M22.9140.91-7.29%7.33%3.22%0.01
FLYW logoFLYWFlywire CorporationProduct Competitor2.12B17.73161.1826.59%6.65%5.87%
PAYC logoPAYCPaycom Software, Inc.Product Competitor7.51B138.4317.138.95%22.44%31.03%0.09
V logoVVisa Inc.Supply Chain616.45B321.3331.5011.34%58.9%0.66

Compare OLB vs Peers

The OLB Group, Inc. (OLB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs USIO

Most directly comparable listed peer for OLB.

Scale Benchmark

vs V

Larger-name benchmark to compare OLB against a more recognizable public peer.

Peer Set

Compare Top 5

vs USIO, CASS, PRTH, FOUR

OLB Income Statement

The OLB Group, Inc. (OLB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Sales/Revenue83.03K51.54K9.02M10.29M9.77M16.71M30.37M30.57M12.84M9.64M
Revenue Growth %25.25%-37.92%17399.71%14.1%-5.1%71.1%81.73%0.67%-58%-39.8%
Cost of Goods Sold20.89K19.4K5.99M8.21M6M15.61M26.23M25M13.6M11.15M
COGS % of Revenue25.17%37.63%66.44%79.82%61.47%93.39%86.36%81.77%105.94%-
Gross Profit
62.13K▲ 0%
32.15K▼ 48.3%
3.03M▲ 9317.5%
2.08M▼ 31.4%
3.76M▲ 81.2%
1.1M▼ 70.7%
4.14M▲ 275.2%
5.57M▲ 34.5%
-763.2K▼ 113.7%
-1.51M▲ 0%
Gross Margin %74.83%62.37%33.56%20.18%38.53%6.61%13.64%18.23%-5.94%-15.7%
Gross Profit Growth %46.4%-48.26%9317.51%-31.39%81.15%-70.66%275.24%34.51%-113.7%-
Operating Expenses365.63K403.98K3.56M2.35M4.5M5.87M12.31M29.05M10.91M6.71M
OpEx % of Revenue440.38%783.78%39.47%22.8%46.05%35.12%40.55%95.02%85%-
Selling, General & Admin365.63K403.98K3.02M1.53M3.65M3.98M5.46M9.42M4.8M3.01M
SG&A % of Revenue440.38%783.78%33.46%14.9%37.4%23.8%17.96%30.8%37.39%-
Research & Development0000000000
R&D % of Revenue----------
Other Operating Expenses0022.84K812.86K844.42K1.89M6.86M19.63M6.11M1.26M
Operating Income
-303.5K▲ 0%
-371.84K▼ 22.5%
-533.07K▼ 43.4%
-268.86K▲ 49.6%
-732.79K▼ 172.6%
-4.76M▼ 550.2%
-8.17M▼ 71.5%
-23.48M▼ 187.4%
-11.68M▲ 50.3%
-8.22M▲ 0%
Operating Margin %-365.55%-721.41%-5.91%-2.61%-7.5%-28.51%-26.9%-76.8%-90.95%-85.31%
Operating Income Growth %8.34%-22.52%-43.36%49.56%-172.55%-550.22%-71.48%-187.35%50.27%-
EBITDA074.69K49.49K573.29K128.47K-2.87M-1.31M-16.75M-8.53M-7.24M
EBITDA Margin %-144.9%0.55%5.57%1.32%-17.2%-4.32%-54.78%-66.41%-75.11%
EBITDA Growth %---33.73%1058.32%-77.59%-2336.89%54.34%-1176.08%49.08%66.36%
D&A (Non-Cash Add-back)303.5K446.52K582.56K842.15K861.27K1.89M6.86M6.73M3.15M983.16K
EBIT-303.5K-635.4K-510.23K-94.26K-732.79K-4.86M-7.79M-23.13M-11.18M-8.54M
Net Interest Income-9.45K-26.9K-883.32K-1.25M-1.04M-116.74K0-148.48K-45.94K-395.36K
Interest Income0000000000
Interest Expense9.45K26.9K883.32K1.25M1.04M116.74K0148.48K45.94K395.36K
Other Income/Expense-9.45K-26.9K-860.48K-1.07M-1.04M-213.62K383.19K204.08K451.54K-710.6K
Pretax Income
-312.95K▲ 0%
-398.74K▼ 27.4%
-1.39M▼ 249.5%
-1.34M▲ 3.6%
-1.78M▼ 32.3%
-4.98M▼ 180.2%
-7.79M▼ 56.4%
-23.27M▼ 198.9%
-11.22M▲ 51.8%
-8.93M▲ 0%
Pretax Margin %-376.93%-773.6%-15.45%-13.05%-18.19%-29.79%-25.64%-76.13%-87.43%-92.68%
Income Tax0000000000
Effective Tax Rate %0%0%0%0%0%0%0%0%0%0%
Net Income
-312.95K▲ 0%
-398.74K▼ 27.4%
-1.39M▼ 249.5%
-1.34M▲ 3.6%
-1.78M▼ 32.3%
-4.98M▼ 180.2%
-7.79M▼ 56.4%
-23.18M▼ 197.7%
-11.22M▲ 51.6%
-8.93M▲ 0%
Net Margin %-376.93%-773.6%-15.45%-13.05%-18.19%-29.79%-25.64%-75.82%-87.43%-92.68%
Net Income Growth %8.59%-27.41%-249.49%3.6%-32.25%-180.2%-56.42%-197.67%51.58%64.01%
Net Income (Continuing)-312.95K-398.74K-1.39M-1.34M-1.78M-4.98M-7.79M-23.27M-11.22M-8.93M
Discontinued Operations0000000000
Minority Interest0000000119.22K00
EPS (Diluted)
-0.70▲ 0%
-0.87▼ 24.3%
-2.58▼ 196.6%
-4.76▼ 84.5%
-3.11▲ 34.7%
-6.99▼ 124.8%
-5.58▲ 20.2%
-15.33▼ 174.7%
-6.10▲ 60.2%
-1.02▲ 0%
EPS Growth %23.08%-24.29%-196.55%-84.5%34.66%-124.76%20.17%-174.73%60.21%77.38%
EPS (Basic)-0.70-0.87-2.58-4.76-3.11-6.99-5.58-15.33-6.10-
Diluted Shares Outstanding449.31K459.07K541.14K545.26K571.13K791.83K1.47M1.52M1.86M8.73M
Basic Shares Outstanding449.31K459.07K541.14K545.26K571.13K791.83K1.47M1.52M1.86M8.73M
Dividend Payout Ratio----------

OLB Balance Sheet

The OLB Group, Inc. (OLB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Total Current Assets1.16K580547.11K1.11M4.21M4.89M3.39M1.82M745.71K890.23K
Cash & Short-Term Investments1.16K580111.59K507.62K3.82M3.47M684.03K452.67K27.44K3.54K
Cash Only1.16K580111.59K507.62K3.82M3.47M434.03K179.01K27.44K3.54K
Short-Term Investments000000250K273.66K00
Accounts Receivable00406.11K479.4K355.99K670.82K1.08M870.89K700.2K866.23K
Days Sales Outstanding--16.431713.314.6513.0210.419.9130.58
Inventory0021.14K16.71K15.75K0582.13K000
Days Inventory Outstanding--1.290.740.96-8.1---
Other Current Assets008.28K108.28K-6.99K729.35K456.83K312.1K020.47K
Total Non-Current Assets4.96K4.96K11.45M10.76M10.17M40.64M35.27M17.91M11.93M11.36M
Property, Plant & Equipment0118.24K65.94K36.65K289.31K9.37M7.59M5.87M3.39M2.84M
Fixed Asset Turnover-0.44x136.78x280.78x33.76x1.78x4.00x5.21x3.78x3.12x
Goodwill006.86M6.86M6.86M6.86M6.86M8.14M8.14M8.14M
Intangible Assets4.96K4.96K4.15M3.34M2.64M23.96M20.31M3.5M3.72K0
Long-Term Investments0000000000
Other Non-Current Assets0-118.24K379.91K526.82K384.15K451.88K502.92K395.95K395.95K1.55M
Total Assets
6.13K▲ 0%
5.54K▼ 9.5%
12M▲ 216298.1%
11.87M▼ 1.1%
14.38M▲ 21.1%
45.53M▲ 216.7%
38.65M▼ 15.1%
19.73M▼ 49.0%
12.68M▼ 35.7%
12.25M▲ 0%
Asset Turnover13.56x9.30x0.75x0.87x0.68x0.37x0.79x1.55x1.01x0.77x
Asset Growth %-21.88%-9.47%216298.09%-1.09%21.14%216.67%-15.1%-48.96%-35.73%-115.55%
Total Current Liabilities329.57K93.12K1.22M2.49M999.2K3.88M3.62M7.23M9.4M6.93M
Accounts Payable41.93K89.64K467.53K592.85K359.97K501.76K513.27K3.53M4.22M4M
Days Payables Outstanding732.521.69K28.4826.3421.8811.737.1451.49113.14135.24
Short-Term Debt163K3.48K25K711.47K450K0298.05K258.82K234.69K44.94K
Deferred Revenue (Current)-163K-3.48K-25K99.59K000000
Other Current Liabilities000002.82M2.29M2M2M2.88M
Current Ratio0.00x0.01x0.45x0.45x4.21x1.26x0.94x0.25x0.08x0.08x
Quick Ratio0.00x0.01x0.43x0.44x4.19x1.26x0.78x0.25x0.08x0.08x
Cash Conversion Cycle---10.76-8.6-7.62-13.98---104.66
Total Non-Current Liabilities0012.5M12.18M7.63M273.17K397.81K149.04K93.87K63.06K
Long-Term Debt0012.5M12.18M7.44M0259.38K149.04K063.06K
Capital Lease Obligations0000185.04K273.17K138.44K093.87K261.48K
Deferred Tax Liabilities0000000000
Other Non-Current Liabilities0000000000
Total Liabilities329.57K93.12K13.72M14.67M8.63M4.15M4.02M7.38M9.49M6.99M
Total Debt163K3.48K12.53M12.89M8.16M406.35K830.19K407.86K375.05K108K
Net Debt161.84K2.9K12.41M12.38M4.34M-3.06M396.16K228.85K347.61K104.46K
Debt / Equity----1.42x0.01x0.02x0.03x0.12x0.12x
Debt / EBITDA-0.05x253.07x22.48x63.53x-----0.01x
Net Debt / EBITDA-0.04x250.81x21.59x33.76x-----0.01x
Interest Coverage-32.10x-13.82x-0.60x-0.22x-0.70x-40.82x--158.12x-254.16x-21.60x
Total Equity
-323.44K▲ 0%
-87.58K▲ 72.9%
-1.72M▼ 1866.3%
-2.8M▼ 62.6%
5.75M▲ 305.4%
41.38M▲ 619.4%
34.64M▼ 16.3%
12.34M▼ 64.4%
3.19M▼ 74.2%
5.26M▲ 0%
Equity Growth %-2982.48%72.92%-1866.34%-62.62%305.41%619.39%-16.29%-64.36%-74.17%-197.53%
Book Value per Share-0.72-0.19-3.18-5.1410.0752.2623.608.121.710.60
Total Shareholders' Equity-323.44K-87.58K-1.72M-2.8M5.75M41.38M34.64M12.23M3.19M5.26M
Common Stock1.35K1.98K16.24K5416171.2K1.51K1.52K228877
Retained Earnings-15.28M-15.68M-17.51M-18.85M-20.63M-25.61M-33.39M-56.57M-67.8M-72.96M
Treasury Stock000000-109.99K-109.99K-109.99K0
Accumulated OCI00-40.66K-69.95K000000
Minority Interest0000000119.22K00

OLB Cash Flow Statement

The OLB Group, Inc. (OLB) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations-164.72K-54.08K-131.09K244.87K-326.66K-3.51M-1.92M2.05M-2.6M-2.6M
Operating CF Margin %-198.39%-104.92%-1.45%2.38%-3.34%-20.99%-6.33%6.7%-20.25%-
Operating CF Growth %17.57%67.17%-142.4%286.79%-233.4%-973.92%45.23%206.53%-227.03%-1233.89%
Net Income-312.95K-398.74K-1.39M-1.34M-1.78M-4.98M-7.79M-23.27M-11.22M-8.93M
Depreciation & Amortization00582.56K842.15K861.27K1.89M6.86M6.73M3.15M983.16K
Stock-Based Compensation022.5K185.96K265.05K298.38K296.04K624.68K727.76K406.5K101.63K
Deferred Taxes0000000000
Other Non-Cash Items02.5K29.73K0204.86K-372.55K-561.18K12.59M2.47M3.44M
Working Capital Changes148.24K342.16K464.2K481.08K85.56K-344.11K-1.06M5.27M2.6M2.1M
Change in Receivables0-27.79K63.87K-73.29K123.41K-314.83K35.8K570.47K366.27K40.17K
Change in Inventory0000000000
Change in Payables148.24K342.16K149.16K125.33K-232.88K141.79K11.5K2.73M689.5K103.46K
Cash from Investing00217.68K0-150K-25.66M-1.56M-2.08M332.89K0
Capital Expenditures0000-150K-9.6M-1.56M-1.23M00
CapEx % of Revenue-91%0.07%-1.54%57.43%5.14%4.01%--
Acquisitions0042.71K0000-850K-215.5K0
Investments----------
Other Investing00174.97K00-16.07M0-4.96K00
Cash from Financing163K53.5K25K151.16K3.79M28.82M447.43K-221.83K2.12M2.27M
Debt Issued (Net)163K53.5K25K361.47K-1.61M-7.65M557.43K-234.51K-173.17K-56.2K
Equity Issued (Net)00001000K1000K-110K01000K1.89M
Dividends Paid0000000000
Share Repurchases000000-110K000
Other Financing000-210.31K-43.54K8.09M012.68K1.2M386.97K
Net Change in Cash
-1.72K▲ 0%
-580▲ 66.2%
-113.64K▼ 19493.3%
396.03K▲ 448.5%
3.32M▲ 737.5%
-354.15K▼ 110.7%
-3.04M▼ 757.3%
-255.02K▲ 91.6%
-151.57K▲ 40.6%
-37.75K▲ 0%
Free Cash Flow
-164.72K▲ 0%
-100.99K▲ 38.7%
-137.37K▼ 36.0%
244.87K▲ 278.3%
-476.66K▼ 294.7%
-29.17M▼ 6019.6%
-3.48M▲ 88.1%
816.81K▲ 123.4%
-2.6M▼ 418.3%
-2.3M▲ 0%
FCF Margin %-198.39%-195.93%-1.52%2.38%-4.88%-174.56%-11.47%2.67%-20.25%-23.91%
FCF Growth %17.57%38.69%-36.02%278.26%-294.66%-6019.59%88.06%123.45%-418.35%-53.08%
FCF per Share-0.37-0.22-0.250.45-0.83-36.84-2.370.54-1.40-1.40
FCF Conversion (FCF/Net Income)0.53x0.14x0.09x-0.18x0.18x0.70x0.25x-0.09x0.23x0.26x
Interest Paid-1.25K0728K876.88K813.48K116.74K0000
Taxes Paid0000000000

OLB Key Ratios

The OLB Group, Inc. (OLB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
Return on Equity (ROE)-----120.38%-21.12%-20.49%-98.68%-144.52%-169.91%
Return on Invested Capital (ROIC)---7.54%-1.99%-5.59%-14.76%-16.71%-73.97%-108.72%-108.72%
Gross Margin74.83%62.37%33.56%20.18%38.53%6.61%13.64%18.23%-5.94%-15.7%
Net Margin-376.93%-773.6%-15.45%-13.05%-18.19%-29.79%-25.64%-75.82%-87.43%-92.68%
Debt / Equity----1.42x0.01x0.02x0.03x0.12x0.12x
Interest Coverage-32.10x-13.82x-0.60x-0.22x-0.70x-40.82x--158.12x-254.16x-21.60x
FCF Conversion0.53x0.14x0.09x-0.18x0.18x0.70x0.25x-0.09x0.23x0.26x
Revenue Growth25.25%-37.92%17399.71%14.1%-5.1%71.1%81.73%0.67%-58%-39.8%

OLB Frequently Asked Questions

The OLB Group, Inc. (OLB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

The OLB Group, Inc. (OLB) reported $9.6M in revenue for fiscal year 2024.

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.

Explore More OLB

The OLB Group, Inc. (OLB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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