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

OLB Group Inc (OLB) reported diluted earnings per share of $-1.74 for fiscal year 2025. 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.

OLB Group Inc Financials

OLB

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE March

This page shows OLB Group Inc (OLB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).

Financial Health Signals

Earnings Quality Low Quality

25.58x

For every $1 of reported earnings, OLB Group Inc generates $25.58 in operating cash flow (-$1.3M OCF vs -$52K 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

-13.1x

OLB Group Inc earns $-13.1 in operating income for every $1 of interest expense (-$5.2M vs $396K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$7.9M

YoY-38.2%

5Y CAGR-4.1%

10Y CAGR+61.4%

OLB Group Inc generated $7.9M in revenue in fiscal year 2025. This represents a decrease of 38.2% from the prior year.

EBITDA

-$4.7M

YoY+45.4%

OLB Group Inc's EBITDA was -$4.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 45.4% from the prior year.

Net Income

-$52K

YoY+99.5%

OLB Group Inc reported -$52K in net income in fiscal year 2025. This represents an increase of 99.5% from the prior year.

EPS (Diluted)

$-1.74

OLB Group Inc earned $-1.74 per diluted share (EPS) in fiscal year 2025. This represents an increase of 71.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

13M

OLB Group Inc had 13M shares outstanding in fiscal year 2025. This represents an increase of 449.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

-65.1%

YoY+25.9pp

5Y CAGR-57.6pp

10Y CAGR+434.4pp

OLB Group Inc's operating margin was -65.1% in fiscal year 2025, reflecting core business profitability. This is up 25.9 percentage points from the prior year.

Net Margin

-0.7%

YoY+86.8pp

5Y CAGR+17.5pp

10Y CAGR+515.8pp

OLB Group Inc's net profit margin was -0.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 86.8 percentage points from the prior year.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

OLB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$7.9M-38.2%	$12.8M-58.0%	$30.6M+0.7%	$30.4M+81.7%	$16.7M+71.1%	$9.8M
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	$1.9M-34.4%	$2.9M-59.6%	$7.1M+57.6%	$4.5M+88.1%	$2.4M+57.0%	$1.5M
Operating Income	-$5.2M+55.8%	-$11.7M+50.3%	-$23.5M-187.4%	-$8.2M-71.5%	-$4.8M-548.5%	-$735K
Interest Expense	$396K+761.2%	$46K-69.1%	$148K	N/A	$117K+404.8%	$23K
Income Tax	N/A	N/A	N/A	N/A	N/A	N/A
Net Income	-$52K+99.5%	-$11.2M+51.6%	-$23.2M-197.7%	-$7.8M-56.4%	-$5.0M-180.2%	-$1.8M
EPS (Diluted)	$-1.74	$-6.10+60.2%	$-15.33	$-0.56	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$2.3M+2.0%	$2.3M-2.3%	$2.3M-15.2%	$2.7M-11.2%	$3.1M-12.4%	$3.5M+0.7%	$3.5M-39.7%	$5.8M
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+114.2%	$283K-70.2%	$948K-7.5%	$1.0M-67.4%	$3.1M
Operating Income	-$1.1M+33.1%	-$1.7M-99.9%	-$849K+81.3%	-$4.5M-178.7%	-$1.6M+37.7%	-$2.6M+9.4%	-$2.9M+84.5%	-$18.6M
Interest Expense	$231-99.9%	$170K-24.6%	$225K	N/A	N/A	$33K+153.0%	$13K+109.9%	-$131K
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-180.6%	-$1.6M+38.4%	-$2.6M-11.7%	-$2.4M+87.0%	-$18.2M
EPS (Diluted)	$-0.13+80.3%	$-0.66	$-0.47	N/A	$-0.92+38.3%	$-1.49	$-0.14	N/A

OLB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$12.7M-35.7%	$19.7M-49.0%	$38.7M-15.1%	$45.5M+216.7%	$14.4M
Current Assets	N/A	$746K-59.0%	$1.8M-46.3%	$3.4M-30.6%	$4.9M+16.2%	$4.2M
Cash & Equivalents	N/A	$27K-84.7%	$179K-58.8%	$434K-87.5%	$3.5M-9.3%	$3.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	$101K-78.4%	$467K-56.9%	$1.1M+61.5%	$671K+88.4%	$356K
Goodwill	N/A	$8.1M0.0%	$8.1M+18.7%	$6.9M0.0%	$6.9M0.0%	$6.9M
Total Liabilities	N/A	$9.5M+28.5%	$7.4M+83.9%	$4.0M-3.2%	$4.1M-51.9%	$8.6M
Current Liabilities	N/A	$9.4M+29.9%	$7.2M+99.9%	$3.6M-6.6%	$3.9M+287.9%	$999K
Long-Term Debt	N/A	N/A	N/A	$406K	N/A	N/A
Total Equity	N/A	$3.2M-73.9%	$12.2M-64.7%	$34.6M-17.9%	$42.2M+669.7%	$5.5M
Retained Earnings	N/A	-$67.8M-19.8%	-$56.6M-69.4%	-$33.4M-30.4%	-$25.6M-24.1%	-$20.6M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$12.2M-1.1%	$12.4M-0.9%	$12.5M-1.4%	$12.7M-20.1%	$15.9M-4.3%	$16.6M-9.2%	$18.3M-7.3%	$19.7M
Current Assets	$890K+1.7%	$876K+4.0%	$842K+12.9%	$746K+15.9%	$643K+9.1%	$590K-55.1%	$1.3M-27.9%	$1.8M
Cash & Equivalents	$4K+33.0%	$3K-90.9%	$29K+6.9%	$27K-33.5%	$41K-22.5%	$53K+1504.9%	$3K-98.1%	$179K
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+15.6%	$87K-26.2%	$118K-43.1%	$207K-55.6%	$467K
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+3.2%	$9.2M+10.6%	$8.3M+16.4%	$7.1M-3.2%	$7.4M
Current Liabilities	$6.9M+17.1%	$5.9M-41.6%	$10.1M+7.7%	$9.4M+16.0%	$8.1M-2.6%	$8.3M+16.4%	$7.1M-1.2%	$7.2M
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-52.3%	$6.7M-19.3%	$8.3M-25.1%	$11.0M-9.7%	$12.2M
Retained Earnings	-$73.0M-1.6%	-$71.8M-4.2%	-$68.9M-1.6%	-$67.8M-7.2%	-$63.3M-2.6%	-$61.6M-4.5%	-$58.9M-4.2%	-$56.6M

OLB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$1.3M+48.8%	-$2.6M-227.0%	$2.0M+206.5%	-$1.9M+45.2%	-$3.5M-973.9%	-$327K
Capital Expenditures	N/A	N/A	$1.2M-21.6%	$1.6M-83.7%	$9.6M	N/A
Free Cash Flow	N/A	N/A	$822K+123.6%	-$3.5M+73.4%	-$13.1M	N/A
Investing Cash Flow	$333K0.0%	$333K+116.0%	-$2.1M-33.1%	-$1.6M+93.9%	-$25.7M-17007.7%	-$150K
Financing Cash Flow	$1.3M-37.7%	$2.1M+1053.8%	-$222K-149.6%	$447K-98.4%	$28.8M+659.6%	$3.8M
Dividends Paid	$574K	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	$110K	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$116K+88.7%	-$1.0M-554.4%	-$156K+84.6%	-$1.0M-169.1%	-$377K+52.0%	-$786K-85.0%	-$425K-618.3%	$82K
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$4K
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$77K
Investing Cash Flow	N/A	N/A	N/A	$0	$0	N/A	N/A	-$483
Financing Cash Flow	$116K-88.3%	$993K+529.6%	$158K-84.2%	$1000K+174.1%	$365K-27.4%	$503K+101.8%	$249K+2451.1%	$10K
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	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	-65.1%+25.9pp	-91.0%-14.1pp	-76.8%-49.9pp	-26.9%+1.6pp	-28.5%-21.0pp	-7.5%
Net Margin	-0.7%+86.8pp	-87.4%-11.6pp	-75.8%-50.2pp	-25.6%+4.1pp	-29.8%-11.6pp	-18.2%
Return on Equity	N/A	-352.0%-162.4pp	-189.6%-167.1pp	-22.5%-10.7pp	-11.8%+20.6pp	-32.4%
Return on Assets	N/A	-88.5%+29.0pp	-117.5%-97.4pp	-20.2%-9.2pp	-10.9%+1.4pp	-12.4%
Current Ratio	N/A	0.08-0.2	0.25-0.7	0.94-0.3	1.26-2.9	4.21
Debt-to-Equity	N/A	2.98+2.4	0.60+0.6	0.01-0.1	0.10-1.5	1.57
FCF Margin	N/A	N/A	2.7%+14.2pp	-11.5%+67.0pp	-78.4%	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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%-113.1pp	-52.9%+21.4pp	-74.3%+8.3pp	-82.6%+238.1pp	-320.6%
Net Margin	-50.8%+42.9pp	-93.7%-46.8pp	-46.9%+120.2pp	-167.1%-114.3pp	-52.9%+22.3pp	-75.2%-7.4pp	-67.8%+245.8pp	-313.6%
Return on Equity	-22.4%+10.9pp	-33.2%+14.3pp	-47.5%+95.9pp	-143.5%-119.1pp	-24.4%+7.6pp	-32.0%-10.5pp	-21.5%+127.2pp	-148.7%
Return on Assets	-9.6%+7.6pp	-17.2%-8.4pp	-8.7%+27.4pp	-36.1%-25.8pp	-10.3%+5.7pp	-16.0%-3.0pp	-13.0%+79.2pp	-92.1%
Current Ratio	0.13-0.0	0.15+0.1	0.080.0	0.080.0	0.080.0	0.07-0.1	0.18-0.1	0.25
Debt-to-Equity	1.33+0.4	0.94-3.5	4.46+1.5	2.98+1.6	1.38+0.4	1.01+0.4	0.65+0.0	0.60
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	1.3%

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Frequently Asked Questions

What is OLB Group Inc's annual revenue?

OLB Group Inc (OLB) reported $7.9M in total revenue for fiscal year 2025. This represents a -38.2% 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 38.2% year-over-year, from $12.8M to $7.9M in fiscal year 2025.

Is OLB Group Inc profitable?

No, OLB Group Inc (OLB) reported a net income of -$52K in fiscal year 2025, with a net profit margin of -0.7%.

What is OLB Group Inc's EBITDA?

OLB Group Inc (OLB) had EBITDA of -$4.7M in fiscal year 2025, 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 -65.1% in fiscal year 2025, 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 -0.7% in fiscal year 2025, 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 -$1.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

How many shares does OLB Group Inc have outstanding?

OLB Group Inc (OLB) had 13M shares outstanding as of fiscal year 2025.

Are OLB Group Inc's earnings high quality?

OLB Group Inc (OLB) has an earnings quality ratio of 25.58x, 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 -13.1x, 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.