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OLB Group
(NASDAQ:OLB)
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Rating:43Neutral
Price Target:
$0.31
▼(-1.88% Downside)
Action:Reiterated
Date:08/26/26
The score is primarily weighed down by weak financial performance (sharp revenue contraction, negative margins, and ongoing cash burn). Technicals add modest pressure due to a longer-term downtrend (below 50/100/200-day averages and negative MACD). Valuation provides limited support because losses drive a negative P/E and there is no dividend yield.
Positive Factors
Low leverage
Low debt reduces immediate interest and refinancing pressure, giving OLB balance-sheet flexibility while it works to stabilize operations. However, this is a defensive strength because assets and equity have declined.
Negative Factors
Sharp revenue contraction
Sustained revenue contraction indicates weaker merchant activity, customer retention or platform scale. Lower volume reduces operating leverage and makes it harder for OLB to spread technology and administrative costs.
Read all positive and negative factors
Positive Factors
Negative Factors
Low leverage
Low debt reduces immediate interest and refinancing pressure, giving OLB balance-sheet flexibility while it works to stabilize operations. However, this is a defensive strength because assets and equity have declined.
Read all positive factors
OLB Group (OLB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$7.81M
Dividend YieldN/A
Average Volume (3M)77.80K
Price to Earnings (P/E)―
Beta (1Y)1.30
Revenue Growth-32.53%
EPS Growth89.66%
CountryUS
Employees13
SectorTechnology
Sector Strength88
IndustrySoftware - Application
Share Statistics
EPS (TTM)-0.93
Shares Outstanding24,020,313
10 Day Avg. Volume96,235
30 Day Avg. Volume77,795
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.52
Price to Sales (P/S)0.27
P/FCF Ratio-1.79
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
OLB Group Business Overview & Revenue Model
Company Description
The OLB Group, Inc., founded in 1993 and based in New York, New York, provides comprehensive financial and transaction processing solutions for small and mid-sized businesses across the United States. The company operates a sophisticated crowdfund...
How the Company Makes Money
OLB primarily makes money by providing payment-related and merchant services to businesses. Its core revenue model is tied to payment processing activity, where the company earns fees associated with facilitating electronic transactions (e.g., car...
OLB Group Earnings Call Summary
Earnings Call Date:Apr 15, 2024
(Q4-2023)
| % Change Since: |
Next Earnings Date:Nov 12, 2026
Earnings Call Sentiment Neutral
The earnings call reflects a challenging year with significant financial losses and increased expenses, primarily due to impairments and legal issues. Despite these setbacks, the company maintains a positive outlook with revenue growth, no debt, asset strength, and expansion in distribution services. The spin-off of DMINT and potential new services in Bodega locations are also highlighted as future growth opportunities.Positive Updates
Revenue Growth
Revenue for 2023 was $30.6 million, a slight increase from $30.4 million in 2022, reflecting a 0.7% growth.
Negative Updates
Increased Operating Expenses
Operating expenses increased significantly to $54 million from $39 million in 2022, including a $13 million impairment.
Read all updates
Q4-2023 Updates
Positive
Negative
Revenue Growth
Revenue for 2023 was $30.6 million, a slight increase from $30.4 million in 2022, reflecting a 0.7% growth.
Read all positive updates
Company Guidance
During the OLB Q4 2023 earnings call, the executives provided detailed guidance on the company's financial state and strategic initiatives. The company reported revenues of $30.6 million, marking a slight increase from $30.4 million in 2022, while operating expenses surged to $54 million from $39 million, including a significant $13 million impairment. The net loss widened to $23.3 million compared to $8.2 million the previous year, resulting in a net loss per share of $0.65. Legal expenses rose by $1.3 million due to ongoing litigation with FFS and Clear Fork Bank, and SG&A expenses increased, primarily due to bank fees and the acquisition of Black011. The company maintained zero debt and $19 million in assets. A spin-off of DMINT is underway, expected to bring dividend distribution by the second quarter of 2024. The executives expressed optimism about expanding their sales team and adding services, despite recent challenges with the FFS portfolio and ongoing legal disputes, aiming to stabilize the company in Q1 2024.OLB Group Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
55
Neutral
Cash Flow
27
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.02M | 8.68M | 12.84M | 30.57M | 30.37M | 16.71M |
| Gross Profit | -1.93M | -1.85M | -763.20K | 5.57M | 4.14M | 1.10M |
| EBITDA | -4.59M | -4.97M | -8.03M | -16.39M | -929.10K | -2.97M |
| Net Income | -4.79M | -5.87M | -11.22M | -23.18M | -7.79M | -4.98M |
Balance Sheet | ||||||
| Total Assets | 13.94M | 12.30M | 12.68M | 19.73M | 38.65M | 45.53M |
| Cash, Cash Equivalents and Short-Term Investments | 1.28M | 15.78K | 27.44K | 452.67K | 684.03K | 3.47M |
| Total Debt | 209.70K | 243.70K | 375.05K | 407.86K | 830.19K | 406.35K |
| Total Liabilities | 6.80M | 7.69M | 9.49M | 7.38M | 4.02M | 4.15M |
| Stockholders Equity | 7.14M | 4.61M | 3.19M | 12.23M | 34.64M | 41.38M |
Cash Flow | ||||||
| Free Cash Flow | -2.55M | -1.33M | -2.60M | 816.81K | -3.48M | -29.17M |
| Operating Cash Flow | -2.55M | -1.33M | -2.60M | 2.05M | -1.92M | -3.51M |
| Investing Cash Flow | 0.00 | 0.00 | 332.89K | -2.08M | -1.56M | -25.66M |
| Financing Cash Flow | 3.83M | 1.32M | 2.12M | -221.83K | 447.43K | 28.82M |
OLB Group Technical Analysis
Positive
0.32
Price Trends
0.34
Negative
0.40
Negative
0.57
Negative
Market Momentum
>-0.01
Negative
52.50
Neutral
54.14
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OLB, the sentiment is Positive. The current price of 0.32 is above the 20-day moving average (MA) of 0.30, below the 50-day MA of 0.34, and below the 200-day MA of 0.57, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 52.50 is Neutral, neither overbought nor oversold. The STOCH value of 54.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OLB.
OLB Group Risk Analysis
OLB Group disclosed 97 risk factors in its most recent earnings report. OLB Group reported the most risks in the "Ability to Sell" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
OLB Group Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $753.85M | -54.17 | -5.41% | ― | -1.04% | -710.67% | |
70 Outperform | $648.16M | -21.28 | -14.05% | ― | 11.85% | 47.54% | |
66 Neutral | $659.63M | 20.04 | 32.32% | ― | 2.43% | ― | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | $385.26M | 33.31 | 1.96% | ― | 13.62% | ― | |
46 Neutral | $43.89M | -3.25 | -13.83% | ― | 14.63% | 11.10% | |
43 Neutral | $7.81M | -0.35 | -96.25% | ― | -32.53% | 89.66% |
* Technology Sector Average
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OLB Group Corporate Events
Business Operations and StrategyPrivate Placements and FinancingRegulatory Filings and Compliance
OLB Group Launches At-The-Market Equity Offering Program
Neutral
Aug 12, 2026
On August 7, 2026, The OLB Group, Inc. entered into an Equity Distribution Agreement with Maxim Group LLC to conduct an at-the-market offering of its common stock, allowing shares to be sold from time to time through Nasdaq or other permitted meth...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.