OLB Group (OLB) AI Stock Analysis

• Market Cap: $11.22M
• Dividend Yield: N/A
• Average Volume (3M): 77.80K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.55
• Revenue Growth: -53.98%
• EPS Growth: 72.82%
• Country: US
• Employees: 15
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -0.66
• Shares Outstanding: 8,768,132
• 10 Day Avg. Volume: 96,235
• 30 Day Avg. Volume: 77,795
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.74
• Enterprise Value/Revenue: 0.80
• Enterprise Value/Gross Profit: -6.75
• Enterprise Value/Ebitda: -1.13
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 41 Neutral
• Price Target: $1.00 ▼(-13.79% Downside)

OLB's overall stock score is heavily impacted by its poor financial performance, with sustained losses and declining revenues. The technical analysis indicates a bearish trend, further weighing on the score. The valuation is unattractive due to a negative P/E ratio and lack of dividend yield. These factors collectively suggest significant risks for potential investors.

OLB Group Business Overview & Revenue Model

Company Description

The OLB Group, Inc. provides integrated financial and transaction processing services for small- and mid-sized merchants in the United States. The company operates a Crowdfunding platform used to facilitate a capital raise anywhere of various types of securities under Regulation D, Regulation Crowdfunding, Regulation A, and the Securities Act of 1933; a cloud-based business management platform that provides turnkey solutions for merchants to enable them to build and manage their retail businesses; payment processing solutions to merchants, which enable merchants to process credit and debit card-based internet payments for sales of their products; and payment gateway and virtual terminal with proprietary business management tools. It is also involved in the cryptocurrency mining activities; cryptocurrency-related lending and transactional services; and provision of ecommerce development and consulting services. The company was founded in 1993 and is headquartered in New York, New York.

How the Company Makes Money

OLB Group generates revenue through multiple channels, primarily by charging fees for payment processing services provided to merchants. The company earns income from transaction fees, which are typically a percentage of the transaction amount, along with monthly service fees for merchant accounts. Additionally, OLB Group offers value-added services, such as fraud protection, chargeback management, and e-commerce solutions, which contribute to its revenue. Strategic partnerships with financial institutions and technology providers also enhance its service offerings, allowing the company to tap into new markets and customer segments, thereby bolstering its earnings potential.

OLB Group Financial Statement Overview

Summary

OLB Group is facing significant financial challenges. The income statement reveals sustained losses and declining revenues, while the balance sheet highlights a weak equity position and potential liquidity issues. Cash flow analyses show operational cash constraints. Despite some improvements in debt management, the overall financial health appears precarious, with urgent need for operational improvements and financial restructuring.

Income Statement

The gross profit margin has been inconsistent, with a complete drop to zero in the latest year due to matching revenue and cost of goods sold. The net profit margin has been negative for all periods, with significant losses, especially in the most recent year. Revenue growth has been volatile, with a sharp decline from 2023 to 2024. EBIT and EBITDA margins are negative and have worsened over time, indicating operational inefficiencies.

Balance Sheet

The debt-to-equity ratio has improved as liabilities decreased, but remains concerning due to negative equity in earlier periods. Return on equity is negative due to consistent net losses. The equity ratio is low, reflecting a weak capital structure. The balance sheet shows a decreasing asset base, indicating potential liquidity concerns.

Cash Flow

Operating cash flow has been negative in recent periods, reflecting poor cash generation from operations. Free cash flow has also been negative, indicating insufficient cash to cover investments. The ratio of operating cash flow to net income is unfavorable, showing inefficiencies in converting income to cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.41M	12.84M	30.57M	30.37M	16.71M	9.77M
Gross Profit	-1.24M	-763.20K	5.57M	7.22M	3.23M	3.76M
EBITDA	-7.36M	-8.03M	-16.39M	-918.53K	-2.97M	128.47K
Net Income	-9.39M	-11.22M	-23.18M	-7.79M	-4.98M	-1.78M
Balance Sheet
Total Assets	12.39M	12.68M	19.73M	38.65M	45.53M	14.38M
Cash, Cash Equivalents and Short-Term Investments	2.66K	27.44K	452.67K	684.03K	3.47M	3.82M
Total Debt	145.93K	375.05K	407.86K	830.19K	406.35K	8.16M
Total Liabilities	5.99M	9.49M	7.38M	4.02M	3.32M	8.63M
Stockholders Equity	6.40M	3.19M	12.23M	34.64M	41.38M	5.75M
Cash Flow
Free Cash Flow	-2.57M	-2.60M	816.81K	-3.48M	-29.17M	-476.66K
Operating Cash Flow	-2.57M	-2.60M	2.05M	-1.92M	-3.51M	-326.66K
Investing Cash Flow	0.00	332.89K	-2.08M	-1.56M	-25.66M	-150.00K
Financing Cash Flow	2.52M	2.12M	-221.83K	447.43K	28.82M	3.79M

OLB Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.16
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OLB, the sentiment is Negative. The current price of 1.16 is below the 20-day moving average (MA) of 1.31, below the 50-day MA of 1.25, and below the 200-day MA of 1.43, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 39.45 is Neutral, neither overbought nor oversold. The STOCH value of 11.93 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for OLB.

OLB Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
MYSZ	―	$3.84M	-0.52	-53.78%	―	-31.86%	90.11%
AGMH	―	$8.15M	0.10	95.31%	―	-19.32%	―
OLB	―	$11.22M	―	-127.98%	―	-53.98%	72.82%
TGL	―	$6.89M	―	-331.02%	―	-89.44%	96.58%
FRGT	―	$2.83M	―	―	―	-19.53%	92.37%

OLB Group Corporate Events

OLB Group Delays Q2 10-Q Filing

The OLB Group, Inc. has announced a delay in filing its Form 10-Q (Quarter Report) for the financial period ending June 30, 2025. The delay is primarily due to the need for additional time to compile and review the necessary information to ensure adequate disclosure. The company anticipates filing the report within five calendar days following the original due date. Significant changes in financial results are expected due to the predecessor-successor approach from a recent acquisition. The company has issued a cautionary note regarding forward-looking statements, highlighting potential risks and uncertainties. The notification was signed by Ronny Yakov, President & CEO, who assured ongoing compliance efforts.