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Our Bond Inc (OBAI) AI Stock Analysis
Our Bond Inc
(NASDAQ:OBAI)
The score is held down primarily by very weak financial health (deep losses, negative equity, and ongoing cash burn) and bearish technicals (oversold but still in a clear downtrend). Strong 2025 revenue growth and debt reduction provide some offset, but do not outweigh the current profitability and balance-sheet risks; valuation signals are also constrained by negative earnings and no dividend yield data.
Our Bond Inc (OBAI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $3.64M
- Dividend Yield
- ―
- Average Volume (3M)
- 104.22K
- Price to Earnings (P/E)
- -0.1
- Beta (1Y)
- 2.22
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- US
- Employees
- 52
- Sector
- General
- Sector Strength
- 55
- Industry
- Software - Infrastructure
Our Bond Inc Business Overview & Revenue Model
Company Description
Our Bond, Inc., operating commercially as Bond, develops and supplies artificial intelligence (AI) and machine learning (ML)-powered software for data processing to clients within the United States and internationally. The company's advanced platform...
Our Bond Inc Financial Statement Overview
Summary
Despite sharp 2025 revenue growth (~89% vs. 2024) and reduced debt, fundamentals remain highly distressed: gross margin fell to ~5.7% (2025), operating and net margins are deeply negative (operating ~-93%, net ~-106%), equity is negative (~-$11.3M in 2025), and operating/free cash flow remain materially negative (OCF ~-$6.9M; FCF ~-$7.0M). These factors signal elevated solvency and funding risk.
Income Statement
12Very NegativeBalance Sheet
8Very NegativeCash Flow
10Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 9.92M | 9.97M | 9.74M | 7.19M |
| Gross Profit | 68.00K | 566.00K | 651.00K | 1.06M |
| EBITDA | -15.06M | -9.20M | -9.53M | -8.17M |
| Net Income | -16.83M | -10.55M | -11.02M | -12.26M |
Balance Sheet | ||||
| Total Assets | 7.36M | 2.50M | 3.50M | 4.67M |
| Cash, Cash Equivalents and Short-Term Investments | 5.19M | 599.00K | 726.00K | 1.44M |
| Total Debt | 14.82M | 7.98M | 14.68M | 12.89M |
| Total Liabilities | 20.76M | 13.78M | 20.01M | 18.35M |
| Stockholders Equity | -13.41M | -11.27M | -16.51M | -13.68M |
Cash Flow | ||||
| Free Cash Flow | -12.32M | -6.96M | -8.22M | -7.08M |
| Operating Cash Flow | -12.27M | -6.92M | -8.16M | -7.00M |
| Investing Cash Flow | -53.00K | -34.00K | -62.00K | -86.00K |
| Financing Cash Flow | 14.79M | 6.94M | 7.54M | 6.78M |
Our Bond Inc Risk Analysis
Our Bond Inc disclosed 38 risk factors in its most recent earnings report. Our Bond Inc reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksOur Bond Inc Peers Comparison
Overall Rating
PAYO71Outperform
PGY70Outperform
KPLT58Neutral
MQ58Neutral
RPAY47Neutral- OBAI41Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PAYO | 71Outperform | $2.42B | 50.64 | 7.27% | ― | 6.31% | -48.91% |
| PGY | 70Outperform | $1.60B | 10.56 | 27.67% | ― | 10.84% | ― |
| KPLT | 58Neutral | $880.73M | 6.97 | -39.38% | ― | 12.96% | ― |
| MQ | 58Neutral | $1.88B | 184.69 | 1.36% | ― | 22.41% | ― |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| RPAY | 47Neutral | $403.88M | -2.25 | -32.64% | ― | 8.84% | -62.58% |
| OBAI | 41Neutral | $72.32M | -0.06 | 134.47% | ― | ― | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| OBAI | Our Bond, Inc. | 2.22 | -657.78 | -99.66% | |
| RPAY | Repay Holdings | 4.58 | 0.24 | 5.53% | |
| KPLT | Katapult Holdings, Inc. | 10.38 | -1.36 | -11.58% | |
| PAYO | Payoneer Inc. | 7.15 | 1.42 | 24.78% | |
| PGY | Pagaya Technologies Ltd. | 19.23 | -7.01 | -26.71% | |
| MQ | Marqeta, Inc. | 18.10 | 0.12 | 0.67% |
Our Bond Inc Corporate Events
Our Bond hosts investor-focused webinar highlighting transparency
PositiveOn October 20, 2026, Our Bond Inc’s founder and chief executive, Doron Kempel, hosted a live webinar for stakeholders, underscoring the company’s continued use of virtual channels to communicate its strategy and performance. The company f...
Our Bond Inc Announces Major Reverse Stock Split
NeutralOn October 1, 2026, Our Bond, Inc.’s Board of Directors approved a one-for-twenty reverse stock split of its common stock, consolidating every 20 issued and outstanding shares into one share and proportionally reducing the number of authorized...
Our Bond Announces Reverse Stock Split and Growth Update
PositiveOn September 27, 2026, Our Bond, Inc.’s board approved a 1-for-20 reverse stock split of its common stock, with outstanding shares to be consolidated and authorized shares proportionally reduced, while fractional shares will be rounded up. On t...
Our Bond Inc Schedules Investor Webinar and Presentation
PositiveOn August 27, 2026, Our Bond Inc. announced that founder and CEO Doron Kempel would host a live webinar for investors and stakeholders at 11:00 a.m. Eastern Time. The company furnished the accompanying presentation slides for the event, signaling a s...
Our Bond Inc CEO Hosts Investor Webinar Disclosure
PositiveOur Bond Inc. announced that founder and Chief Executive Officer Doron Kempel hosted a live webinar on Friday, August 14, 2026, at 11:00 AM Eastern Time for stakeholders. The company furnished the accompanying presentation slides as part of its discl...
Our Bond Inc Highlights Investor Webinar and Disclosures
PositiveOn July 29, 2026, Our Bond Inc. announced that CEO Doron Kempel would host a live investor webinar, scheduled for Wednesday, June 17, 2026, at 11:00 a.m. Eastern Time. The company invited both investors and members of the media to take part in the ev...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 24, 2026