OLB Group Inc Financials

OLB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 0/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

OLB Group Inc has an operating margin of -91.0%, meaning the company retains $-91 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -76.8% the prior year.

Growth

OLB Group Inc's revenue declined 58% year-over-year, from $30.6M to $12.8M. This contraction results in a growth score of 0/100.

Leverage

OLB Group Inc has elevated debt relative to equity (D/E of 2.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 1/100, reflecting increased financial risk.

Liquidity

OLB Group Inc's current ratio of 0.08 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 0/100, which could limit financial flexibility.

Piotroski F-Score Weak

2/9

OLB Group Inc passes 2 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Low Quality

0.23x

For every $1 of reported earnings, OLB Group Inc generates $0.23 in operating cash flow (-$2.6M OCF vs -$11.2M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk

-254.2x

OLB Group Inc earns $-254.2 in operating income for every $1 of interest expense (-$11.7M vs $46K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

This page shows OLB Group Inc (OLB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

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Key Financial Metrics

Revenue

$12.8M

YoY-58.0%

5Y CAGR+4.5%

10Y CAGR+57.5%

OLB Group Inc generated $12.8M in revenue in fiscal year 2024. This represents a decrease of 58.0% from the prior year.

EBITDA

-$8.5M

YoY+49.1%

OLB Group Inc's EBITDA was -$8.5M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 49.1% from the prior year.

Free Cash Flow

N/A

Net Income

-$11.2M

YoY+51.6%

OLB Group Inc reported -$11.2M in net income in fiscal year 2024. This represents an increase of 51.6% from the prior year.

EPS (Diluted)

$-6.10

YoY+60.2%

OLB Group Inc earned $-6.10 per diluted share (EPS) in fiscal year 2024. This represents an increase of 60.2% from the prior year.

Cash & Debt

$27K

YoY-84.7%

5Y CAGR-44.2%

OLB Group Inc held $27K in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

YoY+49.6%

OLB Group Inc had 2M shares outstanding in fiscal year 2024. This represents an increase of 49.6% from the prior year.

Gross Margin

N/A

Operating Margin

-91.0%

YoY-14.1pp

5Y CAGR-88.3pp

10Y CAGR+159.8pp

OLB Group Inc's operating margin was -91.0% in fiscal year 2024, reflecting core business profitability. This is down 14.1 percentage points from the prior year.

Net Margin

-87.4%

YoY-11.6pp

5Y CAGR-74.4pp

10Y CAGR+176.6pp

OLB Group Inc's net profit margin was -87.4% in fiscal year 2024, showing the share of revenue converted to profit. This is down 11.6 percentage points from the prior year.

Return on Equity

N/A

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

OLB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$12.8M-58.0%	$30.6M+0.7%	$30.4M+81.7%	$16.7M+71.1%	$9.8M-5.1%	$10.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.9M-59.6%	$7.1M+57.6%	$4.5M+88.1%	$2.4M+57.0%	$1.5M-0.8%	$1.5M
Operating Income	-$11.7M+50.3%	-$23.5M-187.4%	-$8.2M-71.5%	-$4.8M-548.5%	-$735K-173.3%	-$269K
Interest Expense	$46K-69.1%	$148K	N/A	$117K+404.8%	$23K+9.6%	$21K
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	-$11.2M+51.6%	-$23.2M-197.7%	-$7.8M-56.4%	-$5.0M-180.2%	-$1.8M-32.3%	-$1.3M
EPS (Diluted)	$-6.10+60.2%	$-15.33	$-0.56	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$2.3M+2.0%	$2.3M-2.3%	$2.3M-15.2%	$2.7M-22.2%	$3.5M+0.7%	$3.5M-39.7%	$5.8M-40.2%	$9.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$592K+20.4%	$491K+0.3%	$490K-19.1%	$606K-36.1%	$948K-7.5%	$1.0M-67.4%	$3.1M+65.6%	$1.9M
Operating Income	-$1.1M+33.1%	-$1.7M-99.9%	-$849K+81.3%	-$4.5M-73.7%	-$2.6M+9.4%	-$2.9M+84.5%	-$18.6M-899.2%	-$1.9M
Interest Expense	$231-99.9%	$170K-24.6%	$225K	N/A	$33K+153.0%	$13K+109.9%	-$131K-30680.0%	$429
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	-$1.2M+44.7%	-$2.1M-95.1%	-$1.1M+76.2%	-$4.6M-72.8%	-$2.6M-11.7%	-$2.4M+87.0%	-$18.2M-908.8%	-$1.8M
EPS (Diluted)	$-0.13+80.3%	$-0.66	$-0.47+86.8%	$-3.55-138.3%	$-1.49	$-0.14	$-13.54	$-1.21

OLB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$12.7M-35.7%	$19.7M-49.0%	$38.7M-15.1%	$45.5M+216.7%	$14.4M+21.1%	$11.9M
Current Assets	$746K-59.0%	$1.8M-46.3%	$3.4M-30.6%	$4.9M+16.2%	$4.2M+278.1%	$1.1M
Cash & Equivalents	$27K-84.7%	$179K-58.8%	$434K-87.5%	$3.5M-9.3%	$3.8M+653.4%	$508K
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$101K-78.4%	$467K-56.9%	$1.1M+61.5%	$671K+88.4%	$356K-25.7%	$479K
Goodwill	$8.1M0.0%	$8.1M+18.7%	$6.9M0.0%	$6.9M0.0%	$6.9M0.0%	$6.9M
Total Liabilities	$9.5M+28.5%	$7.4M+83.9%	$4.0M-3.2%	$4.1M-51.9%	$8.6M-41.2%	$14.7M
Current Liabilities	$9.4M+29.9%	$7.2M+99.9%	$3.6M-6.6%	$3.9M+287.9%	$999K-59.9%	$2.5M
Long-Term Debt	N/A	N/A	$406K	N/A	N/A	N/A
Total Equity	$3.2M-73.9%	$12.2M-64.7%	$34.6M-17.9%	$42.2M+669.7%	$5.5M+295.8%	-$2.8M
Retained Earnings	-$67.8M-19.8%	-$56.6M-69.4%	-$33.4M-30.4%	-$25.6M-24.1%	-$20.6M-9.4%	-$18.9M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$12.2M-1.1%	$12.4M-0.9%	$12.5M-1.4%	$12.7M-23.6%	$16.6M-9.2%	$18.3M-7.3%	$19.7M-45.1%	$35.9M
Current Assets	$890K+1.7%	$876K+4.0%	$842K+12.9%	$746K+26.5%	$590K-55.1%	$1.3M-27.9%	$1.8M-49.2%	$3.6M
Cash & Equivalents	$4K+33.0%	$3K-90.9%	$29K+6.9%	$27K-48.5%	$53K+1504.9%	$3K-98.1%	$179K+103.9%	$88K
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$47K-42.2%	$81K-36.5%	$128K+26.9%	$101K-14.7%	$118K-43.1%	$207K-55.6%	$467K-79.8%	$2.3M
Goodwill	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M
Total Liabilities	$7.0M+16.8%	$6.0M-41.4%	$10.2M+7.6%	$9.5M+14.1%	$8.3M+16.4%	$7.1M-3.2%	$7.4M+24.1%	$5.9M
Current Liabilities	$6.9M+17.1%	$5.9M-41.6%	$10.1M+7.7%	$9.4M+12.9%	$8.3M+16.4%	$7.1M-1.2%	$7.2M+22.3%	$5.9M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$5.3M-17.8%	$6.4M+179.3%	$2.3M-28.2%	$3.2M-61.5%	$8.3M-25.1%	$11.0M-9.7%	$12.2M-59.1%	$29.9M
Retained Earnings	-$73.0M-1.6%	-$71.8M-4.2%	-$68.9M-1.6%	-$67.8M-10.0%	-$61.6M-4.5%	-$58.9M-4.2%	-$56.6M-47.3%	-$38.4M

OLB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	-$2.6M-227.0%	$2.0M+206.5%	-$1.9M+45.2%	-$3.5M-973.9%	-$327K-233.4%	$245K
Capital Expenditures	N/A	$1.2M-21.6%	$1.6M-83.7%	$9.6M	N/A	N/A
Free Cash Flow	N/A	$822K+123.6%	-$3.5M+73.4%	-$13.1M	N/A	N/A
Investing Cash Flow	$333K+116.0%	-$2.1M-33.1%	-$1.6M+93.9%	-$25.7M-17007.7%	-$150K	N/A
Financing Cash Flow	$2.1M+1053.8%	-$222K-149.6%	$447K-98.4%	$28.8M+659.6%	$3.8M+2409.6%	$151K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	$110K	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	-$116K+88.7%	-$1.0M-554.4%	-$156K+84.6%	-$1.0M-29.0%	-$786K-85.0%	-$425K-618.3%	$82K-27.3%	$113K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	-$4K-105.3%	$84K
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	$77K+171.6%	$29K
Investing Cash Flow	N/A	N/A	N/A	$0	N/A	N/A	-$483+99.4%	-$84K
Financing Cash Flow	$116K-88.3%	$993K+529.6%	$158K-84.2%	$1000K+98.9%	$503K+101.8%	$249K+2451.1%	$10K+113.1%	-$75K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

OLB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-91.0%-14.1pp	-76.8%-49.9pp	-26.9%+1.6pp	-28.5%-21.0pp	-7.5%-4.9pp	-2.6%
Net Margin	-87.4%-11.6pp	-75.8%-50.2pp	-25.6%+4.1pp	-29.8%-11.6pp	-18.2%-5.1pp	-13.1%
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	-88.5%+29.0pp	-117.5%-97.4pp	-20.2%-9.2pp	-10.9%+1.4pp	-12.4%-1.0pp	-11.3%
Current Ratio	0.08-0.2	0.25-0.7	0.94-0.3	1.26-2.9	4.21+3.8	0.45
Debt-to-Equity	2.98+2.4	0.60+0.6	0.01-0.1	0.10-1.5	1.57+6.8	-5.24
FCF Margin	N/A	2.7%+14.2pp	-11.5%+67.0pp	-78.4%	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-49.1%+25.8pp	-74.8%-38.3pp	-36.6%+129.4pp	-166.0%-91.7pp	-74.3%+8.3pp	-82.6%+238.1pp	-320.6%-301.4pp	-19.2%
Net Margin	-50.8%+42.9pp	-93.7%-46.8pp	-46.9%+120.2pp	-167.1%-91.9pp	-75.2%-7.4pp	-67.8%+245.8pp	-313.6%-295.0pp	-18.6%
Return on Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	-9.6%+7.6pp	-17.2%-8.4pp	-8.7%+27.4pp	-36.1%-20.1pp	-16.0%-3.0pp	-13.0%+79.2pp	-92.1%-87.1pp	-5.0%
Current Ratio	0.13-0.0	0.15+0.1	0.080.0	0.080.0	0.07-0.1	0.18-0.1	0.25-0.4	0.61
Debt-to-Equity	1.33+0.4	0.94-3.5	4.46+1.5	2.98+2.0	1.01+0.4	0.65+0.0	0.60+0.4	0.20
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	1.3%+1.1pp	0.3%

Note: The current ratio is below 1.0 (0.08), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

What is OLB Group Inc's annual revenue?

OLB Group Inc (OLB) reported $12.8M in total revenue for fiscal year 2024. This represents a -58.0% 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.

How fast is OLB Group Inc's revenue growing?

OLB Group Inc (OLB) revenue declined by 58% year-over-year, from $30.6M to $12.8M in fiscal year 2024.

Is OLB Group Inc profitable?

No, OLB Group Inc (OLB) reported a net income of -$11.2M in fiscal year 2024, with a net profit margin of -87.4%.

What is OLB Group Inc's earnings per share (EPS)?

OLB Group Inc (OLB) reported diluted earnings per share of $-6.10 for fiscal year 2024. This represents a 60.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is OLB Group Inc's EBITDA?

OLB Group Inc (OLB) had EBITDA of -$8.5M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.

What is OLB Group Inc's operating margin?

OLB Group Inc (OLB) had an operating margin of -91.0% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.

What is OLB Group Inc's net profit margin?

OLB Group Inc (OLB) had a net profit margin of -87.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is OLB Group Inc's operating cash flow?

OLB Group Inc (OLB) generated -$2.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are OLB Group Inc's total assets?

OLB Group Inc (OLB) had $12.7M in total assets as of fiscal year 2024, including both current and long-term assets.

How many shares does OLB Group Inc have outstanding?

OLB Group Inc (OLB) had 2M shares outstanding as of fiscal year 2024.

What is OLB Group Inc's current ratio?

OLB Group Inc (OLB) had a current ratio of 0.08 as of fiscal year 2024, which is below 1.0, which may suggest potential liquidity concerns.

What is OLB Group Inc's debt-to-equity ratio?

OLB Group Inc (OLB) had a debt-to-equity ratio of 2.98 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is OLB Group Inc's return on assets (ROA)?

OLB Group Inc (OLB) had a return on assets of -88.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is OLB Group Inc's cash runway?

Based on fiscal year 2024 data, OLB Group Inc (OLB) had $27K in cash against an annual operating cash burn of $2.6M. This gives an estimated cash runway of approximately 0 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is OLB Group Inc's Piotroski F-Score?

OLB Group Inc (OLB) has a Piotroski F-Score of 2 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are OLB Group Inc's earnings high quality?

OLB Group Inc (OLB) has an earnings quality ratio of 0.23x, considered low quality (accrual-driven). 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.

Can OLB Group Inc cover its interest payments?

OLB Group Inc (OLB) has an interest coverage ratio of -254.2x, meaning it can struggle to cover its interest obligations. 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.

How financially healthy is OLB Group Inc?

OLB Group Inc (OLB) scores 0 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.