The OLB Group, Inc. (OLB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
The OLB Group, Inc. (OLB) stock price & volume — 10-year historical chart
The OLB Group, Inc. (OLB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
The OLB Group, Inc. (OLB) competitors in Payments, billing and spend management — business model, growth, and fundamentals comparison
The OLB Group, Inc. (OLB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
The OLB Group, Inc. (OLB) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 83.03K | 51.54K | 9.02M | 10.29M | 9.77M | 16.71M | 30.37M | 30.57M | 12.84M | 9.64M |
| Revenue Growth % | 25.25% | -37.92% | 17399.71% | 14.1% | -5.1% | 71.1% | 81.73% | 0.67% | -58% | -39.8% |
| Cost of Goods Sold | 20.89K | 19.4K | 5.99M | 8.21M | 6M | 15.61M | 26.23M | 25M | 13.6M | 11.15M |
| COGS % of Revenue | 25.17% | 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 Expenses | 365.63K | 403.98K | 3.56M | 2.35M | 4.5M | 5.87M | 12.31M | 29.05M | 10.91M | 6.71M |
| OpEx % of Revenue | 440.38% | 783.78% | 39.47% | 22.8% | 46.05% | 35.12% | 40.55% | 95.02% | 85% | - |
| Selling, General & Admin | 365.63K | 403.98K | 3.02M | 1.53M | 3.65M | 3.98M | 5.46M | 9.42M | 4.8M | 3.01M |
| SG&A % of Revenue | 440.38% | 783.78% | 33.46% | 14.9% | 37.4% | 23.8% | 17.96% | 30.8% | 37.39% | - |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 0 | 0 | 22.84K | 812.86K | 844.42K | 1.89M | 6.86M | 19.63M | 6.11M | 1.26M |
| 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% | - |
| EBITDA | 0 | 74.69K | 49.49K | 573.29K | 128.47K | -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) | 303.5K | 446.52K | 582.56K | 842.15K | 861.27K | 1.89M | 6.86M | 6.73M | 3.15M | 983.16K |
| 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 | -116.74K | 0 | -148.48K | -45.94K | -395.36K |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 9.45K | 26.9K | 883.32K | 1.25M | 1.04M | 116.74K | 0 | 148.48K | 45.94K | 395.36K |
| Other Income/Expense | -9.45K | -26.9K | -860.48K | -1.07M | -1.04M | -213.62K | 383.19K | 204.08K | 451.54K | -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 Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 119.22K | 0 | 0 |
| 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 Outstanding | 449.31K | 459.07K | 541.14K | 545.26K | 571.13K | 791.83K | 1.47M | 1.52M | 1.86M | 8.73M |
| Basic Shares Outstanding | 449.31K | 459.07K | 541.14K | 545.26K | 571.13K | 791.83K | 1.47M | 1.52M | 1.86M | 8.73M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
The OLB Group, Inc. (OLB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.16K | 580 | 547.11K | 1.11M | 4.21M | 4.89M | 3.39M | 1.82M | 745.71K | 890.23K |
| Cash & Short-Term Investments | 1.16K | 580 | 111.59K | 507.62K | 3.82M | 3.47M | 684.03K | 452.67K | 27.44K | 3.54K |
| Cash Only | 1.16K | 580 | 111.59K | 507.62K | 3.82M | 3.47M | 434.03K | 179.01K | 27.44K | 3.54K |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 250K | 273.66K | 0 | 0 |
| Accounts Receivable | 0 | 0 | 406.11K | 479.4K | 355.99K | 670.82K | 1.08M | 870.89K | 700.2K | 866.23K |
| Days Sales Outstanding | - | - | 16.43 | 17 | 13.3 | 14.65 | 13.02 | 10.4 | 19.91 | 30.58 |
| Inventory | 0 | 0 | 21.14K | 16.71K | 15.75K | 0 | 582.13K | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | 1.29 | 0.74 | 0.96 | - | 8.1 | - | - | - |
| Other Current Assets | 0 | 0 | 8.28K | 108.28K | -6.99K | 729.35K | 456.83K | 312.1K | 0 | 20.47K |
| Total Non-Current Assets | 4.96K | 4.96K | 11.45M | 10.76M | 10.17M | 40.64M | 35.27M | 17.91M | 11.93M | 11.36M |
| Property, Plant & Equipment | 0 | 118.24K | 65.94K | 36.65K | 289.31K | 9.37M | 7.59M | 5.87M | 3.39M | 2.84M |
| Fixed Asset Turnover | - | 0.44x | 136.78x | 280.78x | 33.76x | 1.78x | 4.00x | 5.21x | 3.78x | 3.12x |
| Goodwill | 0 | 0 | 6.86M | 6.86M | 6.86M | 6.86M | 6.86M | 8.14M | 8.14M | 8.14M |
| Intangible Assets | 4.96K | 4.96K | 4.15M | 3.34M | 2.64M | 23.96M | 20.31M | 3.5M | 3.72K | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | -118.24K | 379.91K | 526.82K | 384.15K | 451.88K | 502.92K | 395.95K | 395.95K | 1.55M |
| 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 Turnover | 13.56x | 9.30x | 0.75x | 0.87x | 0.68x | 0.37x | 0.79x | 1.55x | 1.01x | 0.77x |
| Asset Growth % | -21.88% | -9.47% | 216298.09% | -1.09% | 21.14% | 216.67% | -15.1% | -48.96% | -35.73% | -115.55% |
| Total Current Liabilities | 329.57K | 93.12K | 1.22M | 2.49M | 999.2K | 3.88M | 3.62M | 7.23M | 9.4M | 6.93M |
| Accounts Payable | 41.93K | 89.64K | 467.53K | 592.85K | 359.97K | 501.76K | 513.27K | 3.53M | 4.22M | 4M |
| Days Payables Outstanding | 732.52 | 1.69K | 28.48 | 26.34 | 21.88 | 11.73 | 7.14 | 51.49 | 113.14 | 135.24 |
| Short-Term Debt | 163K | 3.48K | 25K | 711.47K | 450K | 0 | 298.05K | 258.82K | 234.69K | 44.94K |
| Deferred Revenue (Current) | -163K | -3.48K | -25K | 99.59K | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 2.82M | 2.29M | 2M | 2M | 2.88M |
| Current Ratio | 0.00x | 0.01x | 0.45x | 0.45x | 4.21x | 1.26x | 0.94x | 0.25x | 0.08x | 0.08x |
| Quick Ratio | 0.00x | 0.01x | 0.43x | 0.44x | 4.19x | 1.26x | 0.78x | 0.25x | 0.08x | 0.08x |
| Cash Conversion Cycle | - | - | -10.76 | -8.6 | -7.62 | - | 13.98 | - | - | -104.66 |
| Total Non-Current Liabilities | 0 | 0 | 12.5M | 12.18M | 7.63M | 273.17K | 397.81K | 149.04K | 93.87K | 63.06K |
| Long-Term Debt | 0 | 0 | 12.5M | 12.18M | 7.44M | 0 | 259.38K | 149.04K | 0 | 63.06K |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 185.04K | 273.17K | 138.44K | 0 | 93.87K | 261.48K |
| 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 | 329.57K | 93.12K | 13.72M | 14.67M | 8.63M | 4.15M | 4.02M | 7.38M | 9.49M | 6.99M |
| Total Debt | 163K | 3.48K | 12.53M | 12.89M | 8.16M | 406.35K | 830.19K | 407.86K | 375.05K | 108K |
| Net Debt | 161.84K | 2.9K | 12.41M | 12.38M | 4.34M | -3.06M | 396.16K | 228.85K | 347.61K | 104.46K |
| Debt / Equity | - | - | - | - | 1.42x | 0.01x | 0.02x | 0.03x | 0.12x | 0.12x |
| Debt / EBITDA | - | 0.05x | 253.07x | 22.48x | 63.53x | - | - | - | - | -0.01x |
| Net Debt / EBITDA | - | 0.04x | 250.81x | 21.59x | 33.76x | - | - | - | - | -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 | -5.14 | 10.07 | 52.26 | 23.60 | 8.12 | 1.71 | 0.60 |
| Total Shareholders' Equity | -323.44K | -87.58K | -1.72M | -2.8M | 5.75M | 41.38M | 34.64M | 12.23M | 3.19M | 5.26M |
| Common Stock | 1.35K | 1.98K | 16.24K | 541 | 617 | 1.2K | 1.51K | 1.52K | 228 | 877 |
| Retained Earnings | -15.28M | -15.68M | -17.51M | -18.85M | -20.63M | -25.61M | -33.39M | -56.57M | -67.8M | -72.96M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -109.99K | -109.99K | -109.99K | 0 |
| Accumulated OCI | 0 | 0 | -40.66K | -69.95K | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 119.22K | 0 | 0 |
The OLB Group, Inc. (OLB) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -164.72K | -54.08K | -131.09K | 244.87K | -326.66K | -3.51M | -1.92M | 2.05M | -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 & Amortization | 0 | 0 | 582.56K | 842.15K | 861.27K | 1.89M | 6.86M | 6.73M | 3.15M | 983.16K |
| Stock-Based Compensation | 0 | 22.5K | 185.96K | 265.05K | 298.38K | 296.04K | 624.68K | 727.76K | 406.5K | 101.63K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 0 | 2.5K | 29.73K | 0 | 204.86K | -372.55K | -561.18K | 12.59M | 2.47M | 3.44M |
| Working Capital Changes | 148.24K | 342.16K | 464.2K | 481.08K | 85.56K | -344.11K | -1.06M | 5.27M | 2.6M | 2.1M |
| Change in Receivables | 0 | -27.79K | 63.87K | -73.29K | 123.41K | -314.83K | 35.8K | 570.47K | 366.27K | 40.17K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 148.24K | 342.16K | 149.16K | 125.33K | -232.88K | 141.79K | 11.5K | 2.73M | 689.5K | 103.46K |
| Cash from Investing | 0 | 0 | 217.68K | 0 | -150K | -25.66M | -1.56M | -2.08M | 332.89K | 0 |
| Capital Expenditures | 0 | 0 | 0 | 0 | -150K | -9.6M | -1.56M | -1.23M | 0 | 0 |
| CapEx % of Revenue | - | 91% | 0.07% | - | 1.54% | 57.43% | 5.14% | 4.01% | - | - |
| Acquisitions | 0 | 0 | 42.71K | 0 | 0 | 0 | 0 | -850K | -215.5K | 0 |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 0 | 0 | 174.97K | 0 | 0 | -16.07M | 0 | -4.96K | 0 | 0 |
| Cash from Financing | 163K | 53.5K | 25K | 151.16K | 3.79M | 28.82M | 447.43K | -221.83K | 2.12M | 2.27M |
| Debt Issued (Net) | 163K | 53.5K | 25K | 361.47K | -1.61M | -7.65M | 557.43K | -234.51K | -173.17K | -56.2K |
| Equity Issued (Net) | 0 | 0 | 0 | 0 | 1000K | 1000K | -110K | 0 | 1000K | 1.89M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | -110K | 0 | 0 | 0 |
| Other Financing | 0 | 0 | 0 | -210.31K | -43.54K | 8.09M | 0 | 12.68K | 1.2M | 386.97K |
| 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 | -0.25 | 0.45 | -0.83 | -36.84 | -2.37 | 0.54 | -1.40 | -1.40 |
| FCF Conversion (FCF/Net Income) | 0.53x | 0.14x | 0.09x | -0.18x | 0.18x | 0.70x | 0.25x | -0.09x | 0.23x | 0.26x |
| Interest Paid | -1.25K | 0 | 728K | 876.88K | 813.48K | 116.74K | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
The OLB Group, Inc. (OLB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 74.83% | 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 | - | - | - | - | 1.42x | 0.01x | 0.02x | 0.03x | 0.12x | 0.12x |
| Interest Coverage | -32.10x | -13.82x | -0.60x | -0.22x | -0.70x | -40.82x | - | -158.12x | -254.16x | -21.60x |
| FCF Conversion | 0.53x | 0.14x | 0.09x | -0.18x | 0.18x | 0.70x | 0.25x | -0.09x | 0.23x | 0.26x |
| Revenue Growth | 25.25% | -37.92% | 17399.71% | 14.1% | -5.1% | 71.1% | 81.73% | 0.67% | -58% | -39.8% |
The OLB Group, Inc. (OLB) stock FAQ — growth, dividends, profitability & financials explained
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.
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.
The OLB Group, Inc. (OLB) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates