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

The 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.

The OLB Group, Inc. (OLB) Financials

OLB

Trailing 12 months to June 30, 2026

Revenue $7.0M -32.5% YoY

Net Income -$4.8M +49.1% YoY

EPS (Diluted) -$1.74 FY2025 annual

Operating Cash Flow -$2.6M +0.5% YoY

Market Cap $13.2M as of Oct 8, 2026

Price / Sales 1.9x on $7.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 1.8x on $7.1M equity, Q2 FY2026

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 Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 14, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the OLB SEC filings page.

The OLB Group, Inc. (OLB) reported $7.0M in revenue over the twelve months to Jun 30, 2026, down 32.5% from the prior twelve months. This page shows its 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).

Rhea AI OLB FY2025 2026-10-04

The latest figures show a shrinking business cutting costs, yet still dependent on financing with exceptionally tight short-term liquidity.

Earnings improvement has not made operations self-funding: FY2025's net loss was $5.9M while operating cash flow remained -$1.3M, and financing supplied $1.3M. The gap between accounting loss and cash usage indicates that reported profitability and cash generation are moving differently.

Revenue fell 32.4% from FY2024 to FY2025, but the operating margin improved from -90.9% to -59.5%. Because selling, general and administrative expense also declined to $1.9M and depreciation fell to $507K, the improvement is better explained by cost reduction than by evidence of stronger pricing or mix.

The balance sheet remains compressed on liquidity: current assets were only $1.1M against current liabilities of $7.7M, producing a 0.1x current ratio. Although debt-to-equity eased from 3.0x to 1.7x, reported liquidity represented just 3.6 months of FY2025 operating outflow, leaving financing activity important to the funding structure.

Financial Health Signals

Financial Health Score 19/100

Scored as: Emerging companies peer group

Scored against emerging companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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 The 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.

Cash Runway

The OLB Group, Inc. held $397K in cash, cash equivalents and investments at the end of fiscal year 2025, and its operations used $1.3M of cash that year. Cash Runway ranks emerging companies on the size of that balance against the outflow behind it, and The OLB Group, Inc. scores 14/100 among other emerging companies.

Dilution

The OLB Group, Inc. had 13M shares outstanding at the end of fiscal year 2025. Dilution ranks emerging companies on how fast that count has grown over three years, where a slower rise is the better one, and The OLB Group, Inc. scores 80/100 among other emerging companies.

R&D Intensity

Not available for The OLB Group, Inc., and counted as zero in the overall score.

Revenue Progress

The OLB Group, Inc. reported revenue of $8.7M in fiscal year 2025, against $12.8M in fiscal year 2024. Revenue Progress ranks emerging companies on the three-year path of that line, and The OLB Group, Inc. scores 7/100 among other emerging companies.

Burn Trend

Not available for The OLB Group, Inc., and counted as zero in the overall score.

Balance Sheet

The OLB Group, Inc.'s cash, cash equivalents and investments came to $397K at the end of fiscal year 2025, against $7.7M of total liabilities. Balance Sheet ranks emerging companies on that comparison, and The OLB Group, Inc. scores 11/100 among other emerging companies.

Altman Z-Score Distress

-8.78

The OLB Group, Inc. scores -8.78, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($13.2M) relative to total liabilities ($7.7M). 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.

Piotroski F-Score Partial

3/7

The OLB Group, Inc. passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality No Cash Backing

N/A

The OLB Group, Inc. reported a net loss of $5.9M while operations used $1.3M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Interest Coverage At Risk

N/A

The OLB Group, Inc. reported an operating loss of $5.2M against $396K 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

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Earnings & Revenue

Revenue

$1.3M

YoY-43.6%

QoQ-22.8%

5Y CAGR-14.7%

The OLB Group, Inc. generated $1.3M in revenue in Q2 2026. This represents a decrease of 43.6% from the same quarter a year earlier. Against the prior quarter it is down 22.8%.

EBITDA

-$1.3M

YoY+20.1%

QoQ+0.8%

The OLB Group, Inc.'s EBITDA was -$1.3M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 20.1% from the same quarter a year earlier. Against the prior quarter it is up 0.8%.

Net Income

-$1.1M

YoY+50.3%

QoQ+2.1%

The OLB Group, Inc. reported -$1.1M in net income in Q2 2026. This represents an increase of 50.3% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.

EPS (Diluted)

-$0.08

The OLB Group, Inc. earned -$0.08 per diluted share (EPS) in Q2 2026.

Cash & Balance Sheet

Cash & Debt

$1.3M

YoY+47992.6%

QoQ-45.0%

5Y CAGR-9.0%

The OLB Group, Inc. held $1.3M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

24M

5Y CAGR+27.0%

10Y CAGR+6.0%

The OLB Group, Inc. had 24M shares outstanding in Q2 2026.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Operating Margin

-98.5%

YoY-23.6pp

QoQ-21.8pp

5Y change-75.0pp

The OLB Group, Inc.'s operating margin was -98.5% in Q2 2026, reflecting core business profitability. This is down 23.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 21.8 percentage points.

Net Margin

-82.5%

YoY+11.3pp

QoQ-17.4pp

5Y change-58.9pp

The OLB Group, Inc.'s net profit margin was -82.5% in Q2 2026, showing the share of revenue converted to profit. This is up 11.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 17.4 percentage points.

Return on Equity

-14.8%

YoY+18.4pp

QoQ-1.5pp

5Y change-8.9pp

The OLB Group, Inc.'s ROE was -14.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 18.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

None of these metrics is reported for Q2 2026.

OLB 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.

OLB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$7.0M	$8.7M-32.4%	$12.8M-58.0%	$30.6M+0.7%	$30.4M+81.7%	$16.7M+71.1%	$9.8M-5.1%	$10.3M+14.1%	$9.0M+17399.7%	$52K	N/A	$66K	N/A	N/A	$131K-29.4%	$185K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$21K-12.4%	$24K	N/A	$38K-19.7%	$47K-25.8%	$64K
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$42K	N/A	N/A	$83K-31.2%	$121K
SG&A Expenses	$2.1M	$1.9M-34.4%	$2.9M-59.6%	$7.1M+57.6%	$4.5M+88.1%	$2.4M+57.0%	$1.5M-0.8%	$1.5M+6.8%	$1.4M+1013.1%	$129K	N/A	$99K	N/A	N/A	$204K+22.9%	$166K
Operating Income	-$5.1M	-$5.2M+55.8%	-$11.7M+50.3%	-$23.5M-187.4%	-$8.2M-71.5%	-$4.8M-548.5%	-$735K-173.3%	-$269K-150.4%	$533K	N/A	N/A	-$331K	N/A	N/A	N/A	N/A
EBITDA	N/A	-$4.7M+45.4%	-$8.5M+49.1%	-$16.7M-1176.1%	-$1.3M+54.3%	-$2.9M-2370.7%	$127K-77.9%	$573K-48.6%	$1.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$77K	$396K+761.8%	$46K-69.1%	$148K	N/A	$117K+404.8%	$23K+9.6%	$21K-97.4%	$800K+2875.6%	$27K+184.5%	$9K-15.9%	$11K-37.7%	$18K+118.3%	$8K-80.7%	$43K+113.5%	$20K
Net Income	-$4.8M	-$5.9M+47.7%	-$11.2M+51.6%	-$23.2M-197.7%	-$7.8M-56.4%	-$5.0M-180.2%	-$1.8M-32.3%	-$1.3M+3.6%	-$1.4M	N/A	N/A	N/A	N/A	N/A	N/A	-$679K
EPS (Basic)	N/A	-$1.74+71.5%	-$6.10+60.2%	-$15.33-2637.5%	-$0.56+11.1%	-$0.63-103.2%	-$0.31-24.0%	-$0.25+3.8%	-$0.26-766.7%	-$0.03-50.0%	-$0.02+33.3%	-$0.030.0%	-$0.03+40.0%	-$0.05+54.5%	-$0.11-10.0%	-$0.10
EPS (Diluted)	—	-$1.74	-$6.10	-$15.33	-$0.56	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	N/A	4M	2M	2M	15M+85.4%	8M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	0	0

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.3M-43.6%	$1.7M-28.7%	$1.8M-35.2%	$2.3M-25.0%	$2.3M-35.6%	$2.3M-33.6%	$2.7M-52.8%	$3.1M-68.2%
SG&A Expenses	$533K+8.5%	$630K+28.5%	$304K-49.8%	$592K+109.3%	$491K-48.2%	$490K-52.2%	$606K-80.8%	$283K-85.1%
Operating Income	-$1.3M+25.7%	-$1.3M-49.6%	-$1.5M+67.3%	-$1.1M+30.4%	-$1.7M+35.1%	-$849K+70.6%	-$4.5M+75.6%	-$1.6M+12.3%
EBITDA	-$1.3M+20.1%	-$1.3M-115.9%	-$1.5M+42.1%	-$1.0M+33.2%	-$1.6M+37.1%	-$587K+69.9%	-$2.6M+83.3%	-$1.5M-63.8%
Interest Expense	$76K-55.3%	$100-100.0%	$571	$231	$170K+415.7%	$225K+1631.5%	N/A	N/A
Income Tax	$0	N/A	N/A	N/A	$0	N/A	N/A	N/A
Net Income	-$1.1M+50.3%	-$1.1M+1.0%	-$1.5M+67.5%	-$1.2M+27.9%	-$2.1M+19.8%	-$1.1M+54.1%	-$4.6M+74.8%	-$1.6M+9.5%
EPS (Basic)	-$0.08+87.9%	-$0.08+83.0%	$0.05+102.2%	-$0.13+85.9%	-$0.66+55.7%	-$0.47-235.7%	-$2.30+80.8%	-$0.92+24.0%
EPS (Diluted)	-$0.08	-$0.08	$0.05	-$0.13	-$0.66	-$0.47	-$2.30	-$0.92+24.0%
Diluted Shares (Avg)	14M	13M	N/A	9M	4M	2M	N/A	2M+18.7%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

OLB Balance Sheet

OLB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$12.3M-3.0%	$12.7M-35.7%	$19.7M-49.0%	$38.7M-15.1%	$45.5M+216.7%	$14.4M+21.1%	$11.9M-1.1%	$12.0M+36533.4%	$33K+434.8%	$6K-21.9%	$8K+57.9%	$5K-36.2%	$8K-43.8%	$14K-95.0%	$279K
Current Assets	$1.1M+40.9%	$746K-59.0%	$1.8M-46.3%	$3.4M-30.6%	$4.9M+16.2%	$4.2M+278.1%	$1.1M+103.3%	$547K+1868.7%	$28K+2295.7%	$1K-59.7%	$3K	N/A	$3K-68.3%	$9K+951.2%	$845
Cash & Equivalents	$16K-42.5%	$27K-84.7%	$179K-58.8%	$434K-87.5%	$3.5M-9.3%	$3.8M+653.4%	$508K+354.9%	$112K+19139.0%	$580-50.0%	$1K-59.7%	$3K	N/A	$3K-68.3%	$9K+951.2%	$845
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	$0	$0	$0
Accounts Receivable	$17K-82.7%	$101K-78.4%	$467K-56.9%	$1.1M+61.5%	$671K+88.4%	$356K-25.7%	$479K+18.0%	$406K+1361.4%	$28K	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$381K-3.8%	$396K0.0%	$396K-21.3%	$503K+11.3%	$452K+17.6%	$384K+21.4%	$317K-16.7%	$380K+7551.7%	$5K	$0	$0	N/A	$0	$0	$0
Goodwill	$8.1M0.0%	$8.1M0.0%	$8.1M+18.7%	$6.9M0.0%	$6.9M0.0%	$6.9M0.0%	$6.9M0.0%	$6.9M	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$7.7M-19.0%	$9.5M+28.5%	$7.4M+83.9%	$4.0M-3.2%	$4.1M-51.9%	$8.6M-41.2%	$14.7M+6.9%	$13.7M+2372.9%	$555K+68.4%	$330K+1697.7%	$18K-15.6%	$22K-83.1%	$128K+50.0%	$85K-70.4%	$289K
Current Liabilities	$7.7M-18.2%	$9.4M+29.9%	$7.2M+99.9%	$3.6M-6.6%	$3.9M+287.9%	$999K-59.9%	$2.5M+104.2%	$1.2M+120.1%	$555K+68.4%	$330K+1697.7%	$18K-15.6%	$22K-83.1%	$128K+50.0%	$85K-70.4%	$289K
Non-Current Liabilities	$0-100.0%	$94K-37.0%	$149K-62.5%	$398K+45.6%	$273K-96.4%	$7.6M-37.4%	$12.2M-2.6%	$12.5M	$0	$0	$0	$0	$0	$0	$0
Long-Term Debt	N/A	N/A	N/A	$406K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$4.6M+44.4%	$3.2M-73.9%	$12.2M-64.7%	$34.6M-17.9%	$42.2M+669.7%	$5.5M+295.8%	-$2.8M-62.6%	-$1.7M-229.8%	-$522K-61.4%	-$323K-2982.5%	-$10K+37.4%	-$17K+86.1%	-$120K-68.2%	-$72K-588.9%	-$10K
Retained Earnings	-$74.4M-9.8%	-$67.8M-19.8%	-$56.6M-69.4%	-$33.4M-30.4%	-$25.6M-24.1%	-$20.6M-9.4%	-$18.9M-7.7%	-$17.5M-8.6%	-$16.1M-5.5%	-$15.3M-2.1%	-$15.0M-2.3%	-$14.6M-2.5%	-$14.3M-4.0%	-$13.7M-6.1%	-$12.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$13.9M+12.5%	$15.0M+19.8%	$12.3M-3.0%	$12.2M-22.9%	$12.4M-25.4%	$12.5M-31.6%	$12.7M-35.7%	$15.9M-55.8%
Current Assets	$2.7M+208.2%	$3.7M+343.7%	$1.1M+40.9%	$890K+38.4%	$876K+48.5%	$842K-35.9%	$746K-59.0%	$643K-82.0%
Cash & Equivalents	$1.3M+47992.6%	$2.3M+7833.6%	$16K-42.5%	$4K-91.4%	$3K-95.0%	$29K+784.0%	$27K-84.7%	$41K-53.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$0-100.0%	$16K-87.4%	$17K-82.7%	$47K-46.2%	$81K-31.3%	$128K-38.4%	$101K-78.4%	$87K-96.2%
Long-Term Investments	$381K0.0%	$381K-1.6%	$381K-3.8%	$381K-3.8%	$381K-3.8%	$387K-2.2%	$396K0.0%	$396K-1.2%
Goodwill	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%	$8.1M0.0%
Total Liabilities	$6.8M+13.5%	$6.9M-32.7%	$7.7M-19.0%	$7.0M-24.0%	$6.0M-28.0%	$10.2M+42.9%	$9.5M+28.5%	$9.2M+54.6%
Current Liabilities	$6.8M+14.9%	$6.9M-32.0%	$7.7M-18.2%	$6.9M-14.5%	$5.9M-28.9%	$10.1M+41.6%	$9.4M+29.9%	$8.1M+37.0%
Non-Current Liabilities	$0-100.0%	$0-100.0%	$0-100.0%	$63K-94.3%	$74K	$94K	$94K-37.0%	$1.1M+2960.9%
Total Equity	$7.1M+11.6%	$8.1M+253.6%	$4.6M+44.4%	$5.3M-21.3%	$6.4M-22.7%	$2.3M-79.3%	$3.2M-73.9%	$6.7M-77.6%
Retained Earnings	-$76.6M-6.7%	-$75.5M-9.6%	-$74.4M-9.8%	-$73.0M-15.3%	-$71.8M-16.5%	-$68.9M-16.9%	-$67.8M-19.8%	-$63.3M-64.7%

Not reported in any period shown, so not listed: Inventory, Long-Term Debt.

OLB Cash Flow Statement

OLB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	-$2.6M	-$1.3M+48.8%	-$2.6M-227.0%	$2.0M+206.5%	-$1.9M+45.2%	-$3.5M-973.9%	-$327K-233.4%	$245K+286.8%	-$131K-142.4%	-$54K	N/A	-$200K	N/A	N/A	-$167K-178.0%	-$60K
Depreciation & Amortization	N/A	$507K-83.9%	$3.1M-53.2%	$6.7M-1.8%	$6.9M+262.7%	$1.9M+119.5%	$861K+2.3%	$842K+44.6%	$583K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Stock-Based Compensation	N/A	$136K-66.7%	$407K-44.1%	$728K+16.5%	$625K+111.0%	$296K-0.8%	$298K+12.6%	$265K+42.5%	$186K+7338.5%	$3K	N/A	N/A	N/A	$214K	N/A	N/A
Capital Expenditures	N/A	N/A	N/A	$1.2M-21.6%	$1.6M-83.7%	$9.6M	N/A	N/A	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	$822K+123.6%	-$3.5M+73.4%	-$13.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	$333K+116.0%	-$2.1M-33.1%	-$1.6M+93.9%	-$25.7M-17007.7%	-$150K	N/A	$218K	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	$3.8M	$1.3M-37.7%	$2.1M+1053.8%	-$222K-149.6%	$447K-98.4%	$28.8M+659.6%	$3.8M+2409.6%	$151K+504.6%	$25K-53.3%	$54K	N/A	$203K	N/A	N/A	$175K+207.0%	$57K
Share Buybacks	N/A	N/A	N/A	N/A	$110K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$1.1M-3.9%	-$1.3M-758.7%	-$39K+96.1%	-$116K+69.3%	-$1.0M-29.8%	-$156K+63.3%	-$1.0M-1336.7%	-$377K-434.1%
Depreciation & Amortization	$3K-97.3%	$3K-98.7%	$3K-99.3%	$121K+7.3%	$125K+6.0%	$262K-72.1%	$479K-85.0%	$112K-87.9%
Stock-Based Compensation	N/A	$0-100.0%	N/A	$34K0.0%	$34K0.0%	$34K-88.9%	N/A	$34K
Investing Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	$0+100.0%	$0+100.0%
Financing Cash Flow	$12K-98.8%	$3.7M+2213.9%	$52K-94.8%	$116K-68.1%	$993K+97.6%	$158K-36.7%	$1000K+10140.4%	$365K+589.4%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.

OLB 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.

OLB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	64.0%	N/A	N/A	63.7%-1.7pp	65.4%
Operating Margin	-59.5%+31.4pp	-91.0%-14.1pp	-76.8%-49.9pp	-26.9%+1.6pp	-28.5%-21.0pp	-7.5%-4.9pp	-2.6%-8.5pp	5.9%	N/A	N/A	-499.5%	N/A	N/A	N/A	N/A
Net Margin	-67.7%+19.7pp	-87.4%-11.6pp	-75.8%-50.2pp	-25.6%+4.1pp	-29.8%-11.6pp	-18.2%-5.1pp	-13.1%+2.4pp	-15.4%	N/A	N/A	N/A	N/A	N/A	N/A	-367.8%
Return on Equity	-127.5%+224.4pp	-352.0%-162.4pp	-189.6%-167.1pp	-22.5%-10.7pp	-11.8%+20.6pp	-32.4%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Assets	-47.8%+40.8pp	-88.5%+29.0pp	-117.5%-97.4pp	-20.2%-9.2pp	-10.9%+1.4pp	-12.4%-1.0pp	-11.3%+0.3pp	-11.6%	N/A	N/A	N/A	N/A	N/A	N/A	-243.7%
Current Ratio	0.14+0.1x	0.08-0.2x	0.25-0.7x	0.94-0.3x	1.26-2.9x	4.21+3.8x	0.450.0x	0.45+0.4x	0.050.0x	0.00-0.2x	0.16	N/A	0.02-0.1x	0.10+0.1x	0.00
Debt-to-Equity	1.67-1.3x	2.98+2.4x	0.60+0.6x	0.01-0.1x	0.10-1.5x	1.57	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Asset Turnover	0.71-0.3x	1.01-0.5x	1.55+0.8x	0.79+0.4x	0.37-0.3x	0.68-0.2x	0.87+0.1x	0.75-0.8x	1.57	N/A	8.46	N/A	N/A	9.42+8.8x	0.66
FCF Margin	N/A	N/A	2.7%+14.2pp	-11.5%+67.0pp	-78.4%	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	-98.5%-23.6pp	-76.7%-40.1pp	-83.7%	-49.1%+3.8pp	-74.8%-0.6pp	-36.6%+46.0pp	-166.0%	-52.9%-33.7pp
Net Margin	-82.5%+11.3pp	-65.1%-18.1pp	-83.7%	-50.8%+2.1pp	-93.7%-18.5pp	-46.9%+20.9pp	-167.1%	-52.9%-34.3pp
Return on Equity	-14.8%+18.4pp	-13.3%+34.2pp	-32.3%+111.2pp	-22.4%+2.1pp	-33.2%-1.2pp	-47.5%-26.1pp	-143.5%+5.2pp	-24.4%-18.4pp
Return on Assets	-7.6%+9.6pp	-7.2%+1.5pp	-12.1%+24.0pp	-9.6%+0.7pp	-17.2%-1.2pp	-8.7%+4.3pp	-36.1%+56.0pp	-10.3%-5.3pp
Current Ratio	0.40+0.2x	0.54+0.5x	0.14+0.1x	0.130.0x	0.15+0.1x	0.08-0.1x	0.08-0.2x	0.08-0.5x
Debt-to-Equity	0.950.0x	0.85-3.6x	1.67-1.3x	1.330.0x	0.94-0.1x	4.46+3.8x	2.98+2.4x	1.38+1.2x
Asset Turnover	0.09-0.1x	0.11-0.1x	0.14-0.1x	0.190.0x	0.180.0x	0.190.0x	0.22-0.1x	0.19-0.1x

Not reported in any period shown, so not listed: Gross Margin, FCF Margin.

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.

Note: The current ratio is below 1.0 (0.14), 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.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
The OLB Group, Inc. OLB	FY2025	$8.7M	-$5.9M	-67.7%	$13.2M	19/100
DigiAsia Corp. FAAS	FY2023	N/A	-$64K	N/A	$4.9M	—
Brand Engagement Network Inc. BNAI	FY2025	$275K	-$8.6M	N/A	$41.0M	—
Ryvyl Inc. RVYL	FY2025	$11.1M	-$17.5M	N/A	$10.0M	28/100
Datasea Intelligent Technology Ltd. DTSS	FY2026	$40.7M	-$2.2M	-5.4%	$9.3M	47/100

Where The OLB Group, Inc. Ranks

Frequently Asked Questions

What is The OLB Group, Inc.'s annual revenue?

The 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 The OLB Group, Inc.'s revenue growing?

The OLB Group, Inc. (OLB) revenue declined by 32.4% year-over-year, from $12.8M to $8.7M in fiscal year 2025.

Is The OLB Group, Inc. profitable?

No, The 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 The OLB Group, Inc.'s EBITDA?

The OLB Group, Inc. (OLB) had EBITDA of -$4.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is The OLB Group, Inc.'s operating margin?

The 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 The OLB Group, Inc.'s net profit margin?

The 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 The OLB Group, Inc.'s return on equity (ROE)?

The 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 The OLB Group, Inc.'s operating cash flow?

The OLB Group, Inc. (OLB) recorded an outflow of $1.3M in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are The OLB Group, Inc.'s total assets?

The OLB Group, Inc. (OLB) had $12.3M in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does The OLB Group, Inc. have outstanding?

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

What is The OLB Group, Inc.'s current ratio?

The 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 The OLB Group, Inc.'s debt-to-equity ratio?

The 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 The OLB Group, Inc.'s return on assets (ROA)?

The 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 The OLB Group, Inc.'s P/E ratio?

The OLB Group, Inc. (OLB) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $13.2M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is The OLB Group, Inc.'s price-to-sales ratio?

The OLB Group, Inc. (OLB) trades at 1.9x sales, its market capitalization divided by revenue of $7.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $13.2M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

How does The OLB Group, Inc.'s liquidity compare with its operating cash outflow?

At the end of fiscal year 2025, The OLB Group, Inc. (OLB) held $397K in cash, cash equivalents and investments, and reported an operating cash outflow of $1.3M over that year. Dividing the one by the other, the reported balance equals about 4 months 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.

What is The OLB Group, Inc.'s Altman Z-Score?

The OLB Group, Inc. (OLB) has an Altman Z-Score of -8.78, 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.

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

The OLB Group, Inc. (OLB) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 The OLB Group, Inc.'s earnings high quality?

The OLB Group, Inc. (OLB) reported a net loss of $5.9M while operations used $1.3M 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.

Can The OLB Group, Inc. cover its interest payments?

The OLB Group, Inc. (OLB) reported an operating loss of $5.2M against $396K 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.

How financially healthy is The OLB Group, Inc.?

The OLB Group, Inc. (OLB) scores 19 out of 100 on our Financial Health Score, indicating weak standing within its emerging companies peer group. The score is a 0-100 composite of six dimensions (Cash Runway, Dilution, R&D Intensity, Revenue Progress, Burn Trend, Balance Sheet), 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. 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.