OLB Group Inc Financials
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).
OLB is shrinking into a smaller cost base, yet its liabilities are concentrated in the near term and funded externally.
Losses are becoming less cash-hungry: from FY2024 to FY2025, net loss improved from-$11.2M to-$5.9M and operating cash burn narrowed from-$2.6M to-$1.3M even as revenue fell from$12.8M to$8.7M . That points to a business being downsized faster than sales are disappearing, but not yet to one that can fund itself, since financing cash flow of$1.3M roughly matched the operating shortfall.
Near-term liquidity is the core constraint: FY2025 ended with just
Reported equity overstates the cushion because goodwill of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of OLB Group 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.
OLB Group Inc has an operating margin of -59.5%, meaning the company retains $-60 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 up from -91.0% the prior year.
OLB Group Inc's revenue declined 32.4% year-over-year, from $12.8M to $8.7M. This contraction results in a growth score of 0/100.
OLB Group Inc carries a low D/E ratio of 1.67, meaning only $1.67 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 68/100, indicating a strong balance sheet with room for future borrowing.
OLB Group Inc's current ratio of 0.14 is below the typical benchmark, resulting in a score of 0/100. This tight liquidity could limit financial flexibility if cash inflows slow.
OLB Group Inc generates a -127.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -352.0% the prior year.
OLB Group Inc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, OLB Group Inc generates $0.23 in operating cash flow (-$1.3M OCF vs -$5.9M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
OLB Group Inc earns $-13.0 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
Earnings & Revenue
OLB Group Inc generated $8.7M in revenue in fiscal year 2025. This represents a decrease of 32.4% from the prior year.
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.
OLB Group Inc reported -$5.9M in net income in fiscal year 2025. This represents an increase of 47.7% from the prior year.
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
OLB Group Inc held $16K in cash against $0 in long-term debt as of fiscal year 2025.
OLB Group Inc had 9M shares outstanding in fiscal year 2025. This represents an increase of 314.4% from the prior year.
Margins & Returns
OLB Group Inc's operating margin was -59.5% in fiscal year 2025, reflecting core business profitability. This is up 31.4 percentage points from the prior year.
OLB Group Inc's net profit margin was -67.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 19.7 percentage points from the prior year.
OLB Group Inc's ROE was -127.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 224.4 percentage points from the prior year.
Capital Allocation
OLB Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.7M-6.7% | $1.8M-23.3% | $2.3M+2.0% | $2.3M-2.3% | $2.3M-15.2% | $2.7M-11.2% | $3.1M-12.4% | $3.5M |
| 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 | $630K+107.0% | $304K-48.6% | $592K+20.4% | $491K+0.3% | $490K-19.1% | $606K+114.2% | $283K-70.2% | $948K |
| Operating Income | -$1.3M+14.5% | -$1.5M-30.9% | -$1.1M+33.1% | -$1.7M-99.9% | -$849K+81.3% | -$4.5M-178.7% | -$1.6M+37.7% | -$2.6M |
| Interest Expense | $100-82.5% | $571+147.2% | $231-99.9% | $170K-24.6% | $225K | N/A | N/A | $33K |
| Income Tax | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Income | -$1.1M+27.5% | -$1.5M-26.4% | -$1.2M+44.7% | -$2.1M-95.1% | -$1.1M+76.2% | -$4.6M-180.6% | -$1.6M+38.4% | -$2.6M |
| EPS (Diluted) | $-0.08 | N/A | $-0.13+80.3% | $-0.66 | $-0.47 | N/A | $-0.92+38.3% | $-1.49 |
OLB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.0M+21.8% | $12.3M+0.4% | $12.2M-1.1% | $12.4M-0.9% | $12.5M-1.4% | $12.7M-20.1% | $15.9M-4.3% | $16.6M |
| Current Assets | $3.7M+255.5% | $1.1M+18.0% | $890K+1.7% | $876K+4.0% | $842K+12.9% | $746K+15.9% | $643K+9.1% | $590K |
| Cash & Equivalents | $2.3M+14653.9% | $16K+345.7% | $4K+33.0% | $3K-90.9% | $29K+6.9% | $27K-33.5% | $41K-22.5% | $53K |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $16K-7.4% | $17K-62.8% | $47K-42.2% | $81K-36.5% | $128K+26.9% | $101K+15.6% | $87K-26.2% | $118K |
| 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 | $6.9M-10.6% | $7.7M+10.0% | $7.0M+16.8% | $6.0M-41.4% | $10.2M+7.6% | $9.5M+3.2% | $9.2M+10.6% | $8.3M |
| Current Liabilities | $6.9M-10.6% | $7.7M+11.0% | $6.9M+17.1% | $5.9M-41.6% | $10.1M+7.7% | $9.4M+16.0% | $8.1M-2.6% | $8.3M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $8.1M+75.9% | $4.6M-12.4% | $5.3M-17.8% | $6.4M+179.3% | $2.3M-28.2% | $3.2M-52.3% | $6.7M-19.3% | $8.3M |
| Retained Earnings | -$75.5M-1.4% | -$74.4M-2.0% | -$73.0M-1.6% | -$71.8M-4.2% | -$68.9M-1.6% | -$67.8M-7.2% | -$63.3M-2.6% | -$61.6M |
OLB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$1.3M-3308.3% | -$39K+66.0% | -$116K+88.7% | -$1.0M-554.4% | -$156K+84.6% | -$1.0M-169.1% | -$377K+52.0% | -$786K |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A | N/A | N/A | $0 | $0 | N/A |
| Financing Cash Flow | $3.7M+6987.7% | $52K-55.7% | $116K-88.3% | $993K+529.6% | $158K-84.2% | $1000K+174.1% | $365K-27.4% | $503K |
| 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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | -76.7%+7.0pp | -83.7%-34.6pp | -49.1%+25.8pp | -74.8%-38.3pp | -36.6%+129.4pp | -166.0%-113.1pp | -52.9%+21.4pp | -74.3% |
| Net Margin | -65.1%+18.6pp | -83.7%-32.9pp | -50.8%+42.9pp | -93.7%-46.8pp | -46.9%+120.2pp | -167.1%-114.3pp | -52.9%+22.3pp | -75.2% |
| Return on Equity | -13.3%+19.0pp | -32.3%-9.9pp | -22.4%+10.9pp | -33.2%+14.3pp | -47.5%+95.9pp | -143.5%-119.1pp | -24.4%+7.6pp | -32.0% |
| Return on Assets | -7.2%+4.9pp | -12.1%-2.5pp | -9.6%+7.6pp | -17.2%-8.4pp | -8.7%+27.4pp | -36.1%-25.8pp | -10.3%+5.7pp | -16.0% |
| Current Ratio | 0.54+0.4 | 0.140.0 | 0.13-0.0 | 0.15+0.1 | 0.080.0 | 0.080.0 | 0.080.0 | 0.07 |
| Debt-to-Equity | 0.85-0.8 | 1.67+0.3 | 1.33+0.4 | 0.94-3.5 | 4.46+1.5 | 2.98+1.6 | 1.38+0.4 | 1.01 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Note: The current ratio is below 1.0 (0.14), 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 $8.7M in total revenue for fiscal year 2025. This represents a -32.4% 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.
How fast is OLB Group Inc's revenue growing?
OLB Group Inc (OLB) revenue declined by 32.4% year-over-year, from $12.8M to $8.7M in fiscal year 2025.
Is OLB Group Inc profitable?
No, OLB Group Inc (OLB) reported a net income of -$5.9M in fiscal year 2025, with a net profit margin of -67.7%.
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 -59.5% 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 -67.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is OLB Group Inc's return on equity (ROE)?
OLB Group Inc (OLB) has a return on equity of -127.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
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.
What are OLB Group Inc's total assets?
OLB Group Inc (OLB) had $12.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What is OLB Group Inc's current ratio?
OLB Group Inc (OLB) had a current ratio of 0.14 as of fiscal year 2025, 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 1.67 as of fiscal year 2025, 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 -47.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is OLB Group Inc's cash runway?
Based on fiscal year 2025 data, OLB Group Inc (OLB) had $16K in cash against an annual operating cash burn of $1.3M. 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 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.
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 -13.0x, 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 17 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.