Our Bond (OBAI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 2, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the S-1 for Q2 FY2026, filed Oct 21, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OBAI SEC filings page.
Our Bond, Inc. (OBAI) reported $10.0M in revenue for fiscal year 2025, up 2.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Revenue-generating operations remain structurally financed by liabilities, while losses and cash needs far exceed the business's operating scale.
In FY2025, revenue increased2.4% while gross profit fell20.2% , showing that added sales did not translate into stronger economics. Gross margin narrowed by 1.6 percentage points to5.7% , leaving operating costs to absorb nearly all revenue.
The balance sheet reflects more than ordinary leverage: FY2025 liabilities were
Cash consumption broadly followed the reported loss: operating cash flow was
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Our Bond, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Our Bond, Inc. has an operating margin of -92.8%, meaning the company loses $93 on every $100 of revenue. This results in a profitability score of 33/100. This is up from -98.4% the prior year.
Our Bond, Inc.'s revenue grew a modest 2.4% year-over-year to $10.0M. This slow but positive growth earns a score of 39/100.
Not available for Our Bond, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Our Bond, Inc.'s current ratio of 0.30 is below the typical benchmark, resulting in a score of 2/100. This tight liquidity could limit financial flexibility if cash inflows slow.
Our Bond, Inc.'s operations used $6.9M of cash, and capex of $34K added to the outflow, for a free cash flow shortfall of $7.0M. This results in a cash flow score of 5/100.
Not available for Our Bond, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Our Bond, Inc. scores -88.76, below the 1.81 distress threshold. The score is pulled down most by an accumulated deficit of $139.2M against total assets of $2.5M. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Our Bond, Inc. passes 3 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, 1 of 2 operating efficiency signals passes.
Our Bond, Inc. reported a net loss of $10.5M while operations used $6.9M of cash. With neither figure positive, the ratio between the two carries no quality signal.
Our Bond, Inc. reported an operating loss of $9.3M against $1.2M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
Our Bond, Inc. generated $2.1M in revenue in Q2 2026. This represents a decrease of 6.8% from the same quarter a year earlier. Against the prior quarter it is down 9.6%.
Our Bond, Inc.'s EBITDA was -$3.9M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Our Bond, Inc. reported a net loss of $4.8M in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Cash & Balance Sheet
Our Bond, Inc. recorded an outflow of $3.9M in free cash flow in Q2 2026, representing a cash shortfall after capex. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Our Bond, Inc. held $5.2M in cash against $5.3M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
Our Bond, Inc.'s gross margin was -6.3% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 21.1 percentage points from the same quarter a year earlier. Against the prior quarter it is down 8.3 percentage points.
Not shown for Q2 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Not shown for Q2 2026: the reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
Not reported for Q2 2026.
Capital Allocation
Our Bond, Inc. invested $728K in research and development in Q2 2026. This represents an increase of 9.6% from the same quarter a year earlier. Against the prior quarter it is up 5.4%.
Our Bond, Inc. invested $16K in capex in Q2 2026, funding long-term assets and infrastructure. Against the prior quarter it is up 45.5%.
Not reported for Q2 2026.
OBAI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'26S-1 | Q1'26S-1 | Q4'25S-1 | Q2'25S-1 | Q1'25S-1 | Q4'24S-1 |
|---|---|---|---|---|---|---|
| Revenue | $2.1M-6.8% | $2.3M+4.4% | N/A | $2.3M | $2.2M | N/A |
| Cost of Revenue | $2.3M+16.2% | $2.3M+5.7% | N/A | $1.9M | $2.2M | N/A |
| Gross Profit | -$134K-140.0% | $47K-35.6% | N/A | $335K | $73K | N/A |
| R&D Expenses | $728K+9.6% | $691K+24.5% | N/A | $664K | $555K | N/A |
| SG&A Expenses | $2.3M+47.6% | $2.4M+137.9% | N/A | $1.6M | $1.0M | N/A |
| Operating Income | -$3.9Mn/m | -$6.4Mn/m | N/A | -$2.7M | -$1.8M | N/A |
| EBITDA | -$3.9Mn/m | -$6.4Mn/m | N/A | -$2.7M | -$1.8M | N/A |
| Interest Expense | $226K-35.4% | $226K-35.4% | N/A | $350K | $350K | N/A |
| Income Tax | $18K | $36K | N/A | N/A | N/A | N/A |
| Net Income | -$4.8Mn/m | -$6.7Mn/m | N/A | -$3.0M | -$2.2M | N/A |
| EPS (Basic) | -$4.00 | -$0.41 | N/A | -$20.40 | -$0.73 | N/A |
| EPS (Diluted) | -$4.00 | -$0.41 | N/A | -$20.40 | -$0.73 | N/A |
| Diluted Shares (Avg) | 1,233 | 16,989 | N/A | 150 | 2,964 | N/A |
OBAI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'26S-1 | Q1'26S-1 | Q4'25S-1 | Q2'25S-1 | Q1'25S-1 | Q4'24S-1 |
|---|---|---|---|---|---|---|
| Total Assets | $7.4M | $5.9M | $2.5M-28.5% | N/A | N/A | $3.5M |
| Current Assets | $7.3M | $5.8M | $2.4M-28.8% | N/A | N/A | $3.4M |
| Cash & Equivalents | $5.2M | $3.8M | $599K-17.5% | N/A | N/A | $726K |
| Short-Term Investments | $0 | $0 | $0n/m | N/A | N/A | $0 |
| Accounts Receivable | $1.6M | $1.7M | $1.6M-28.7% | N/A | N/A | $2.2M |
| Long-Term Investments | $0 | $0 | $0n/m | N/A | N/A | $0 |
| Total Liabilities | $20.8M | $20.9M | $25.2M+25.8% | N/A | N/A | $20.0M |
| Current Liabilities | $8.3M | $10.2M | $8.1M+12.7% | N/A | N/A | $7.2M |
| Non-Current Liabilities | $12.5M | $10.6M | $17.0M+33.1% | N/A | N/A | $12.8M |
| Long-Term Debt | $5.3M | $5.9M | $5.7M-55.8% | N/A | N/A | $12.8M |
| Total Equity | -$13.4Mn/m | -$15.0Mn/m | -$22.7Mn/m | -$18.2M | -$16.1M | -$16.5M |
| Retained Earnings | -$151.0M | -$146.1M | -$139.2Mn/m | N/A | N/A | -$128.1M |
Not reported in any period shown, so not listed: Inventory, Goodwill.
OBAI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'26S-1 | Q1'26S-1 | Q4'25S-1 | Q2'25S-1 | Q1'25S-1 | Q4'24S-1 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | -$3.9Mn/m | -$4.4Mn/m | N/A | -$1.6M | -$1.4M | N/A |
| Depreciation & Amortization | $11K-15.4% | $10K-16.7% | N/A | $13K | $12K | N/A |
| Stock-Based Compensation | $364K+30.0% | $203K+147.6% | N/A | $280K | $82K | N/A |
| Capital Expenditures | $16K | $11K | N/A | N/A | N/A | N/A |
| Free Cash Flow | -$3.9M | -$4.4M | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$16K | -$11K | N/A | N/A | N/A | N/A |
| Financing Cash Flow | $5.4M+77.7% | $7.6M+257.6% | N/A | $3.1M | $2.1M | N/A |
| Dividends Paid | $131 | $136 | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
OBAI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'26S-1 | Q1'26S-1 | Q4'25S-1 | Q2'25S-1 | Q1'25S-1 | Q4'24S-1 |
|---|---|---|---|---|---|---|
| Gross Margin | -6.3%-21.1pp | 2.0%-1.3pp | N/A | 14.7% | 3.3% | N/A |
| Operating Margin | -185.2% | -271.6% | N/A | -120.3% | -79.4% | N/A |
| Net Margin | -225.0% | -285.6% | N/A | -133.4% | -96.1% | N/A |
| Return on Assets | -64.9% | -113.8% | N/A | N/A | N/A | N/A |
| Current Ratio | 0.88 | 0.57 | 0.30-0.2x | N/A | N/A | 0.47 |
| Asset Turnover | 0.29 | 0.40 | N/A | N/A | N/A | N/A |
| FCF Margin | -185.9% | -188.4% | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Return on Equity, Debt-to-Equity, Liabilities-to-Equity.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin, FCF Margin.
Note: Shareholder equity is negative (-$22.7M), which causes the debt-to-equity, liabilities-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
Note: The current ratio is below 1.0 (0.30), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Our Bond, Inc. OBAI | FY2025 | $10.0M | -$10.5M | N/A | $3.8M | 20/100 |
| Taoping Inc. BVI TAOP | FY2025 | $30.8M | -$10.1M | -32.6% | $3.3M | 29/100 |
| authID Inc. AUID | FY2025 | $2.0M | -$17.9M | N/A | $4.1M | 52/100 |
| AiRWA Inc. YYAI | FY2026 | $25.8M | -$17.6M | -68.0% | $3.4M | 49/100 |
| The OLB Group, Inc. OLB | FY2025 | $8.7M | -$6.7M | -77.0% | $4.6M | 11/100 |
| Cloudastructure, Inc. CSAI | FY2025 | $5.1M | -$8.5M | N/A | $2.0M | 60/100 |
Where Our Bond, Inc. Ranks
Frequently Asked Questions
Our Bond, Inc. (OBAI) reported $10.0M in total revenue for fiscal year 2025. This represents a 2.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Our Bond, Inc. (OBAI) revenue grew by 2.4% year-over-year, from $9.7M to $10.0M in fiscal year 2025.
No, Our Bond, Inc. (OBAI) reported a net loss of $10.5M in fiscal year 2025.
Our Bond, Inc. (OBAI) had EBITDA of -$9.2M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
As of fiscal year 2025, Our Bond, Inc. (OBAI) had $599K in cash and equivalents against $5.7M in long-term debt.
Our Bond, Inc. (OBAI) had a gross margin of 5.7% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
Our Bond, Inc. (OBAI) had an operating margin of -92.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
Our Bond, Inc. (OBAI) recorded an outflow of $7.0M in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
Our Bond, Inc. (OBAI) recorded an outflow of $6.9M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
Our Bond, Inc. (OBAI) had $2.5M in total assets as of fiscal year 2025, including both current and long-term assets.
Our Bond, Inc. (OBAI) invested $34K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Our Bond, Inc. (OBAI) invested $2.5M in research and development during fiscal year 2025.
Our Bond, Inc. (OBAI) had a current ratio of 0.30 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
Our Bond, Inc. (OBAI) had a return on assets of -421.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Our Bond, Inc. (OBAI) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2025). The market capitalization is $3.8M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Our Bond, Inc. (OBAI) trades at 0.4x sales, its market capitalization divided by $10.0M revenue, FY2025. The market capitalization is $3.8M as of Nov 2, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
At the end of fiscal year 2025, Our Bond, Inc. (OBAI) held $599K in cash, cash equivalents and investments, and reported an operating cash outflow of $6.9M over that year. Dividing the one by the other, the reported balance equals about 1 month of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
Our Bond, Inc. (OBAI) has negative shareholder equity of -$22.7M as of fiscal year 2025, so no debt-to-equity or liabilities-to-equity ratio is reported: dividing debt by equity that is not positive produces a number that cannot be read as leverage. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
Our Bond, Inc. (OBAI) has an Altman Z-Score of -88.76, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
Our Bond, Inc. (OBAI) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Our Bond, Inc. (OBAI) reported a net loss of $10.5M while operations used $6.9M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Our Bond, Inc. (OBAI) reported an operating loss of $9.3M against $1.2M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
Our Bond, Inc. (OBAI) scores 20 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Our Bond, Inc. it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.