OLB Group AI Stock Analysis
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OLB Group (OLB) AI Stock Analysis
OLB Group
(NASDAQ:OLB)
The overall score is deeply pressured by a collapse in revenue and persistent unprofitability, which are the most significant factors. The company is burning cash and has a negative P/E ratio, while the stock remains in a clear technical downtrend. A debt-free balance sheet offers minimal relief against the overwhelming fundamental and technical headwinds.
OLB Group (OLB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $4.42M
- Dividend Yield
- ―
- Average Volume (3M)
- 30.19M
- Price to Earnings (P/E)
- -0.2
- Beta (1Y)
- 1.85
- Revenue Growth
- -32.53%
- EPS Growth
- 89.66%
- Country
- US
- Employees
- 13
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Software - Application
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 crowdfunding...
How the Company Makes Money
OLB primarily generates revenue from merchant services and payment processing. The core model is to sign up merchants to accept card and other electronic payments and earn fees tied to those transactions (typically a share of processing fees such as...
OLB Group Earnings Call Summary
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.
Q4-2023 Updates
Positive Updates
Negative 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
Severe revenue decline and persistent negative gross margins indicate core business distress. Net losses continue and cash burn is high. The only mitigating factor is very low debt, but shrinking equity and negative cash flows dominate the risk profile.
Income Statement
15Very NegativeBalance Sheet
35NegativeCash Flow
15Very 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 | 0 | 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
Price Trends
Market Momentum
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 0.18 is below the 20-day moving average (MA) of 0.27, below the 50-day MA of 0.28, and below the 200-day MA of 0.42, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 37.43 is Neutral, neither overbought nor oversold. The STOCH value of 13.81 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Latest Risks Added
2 New RisksOLB Group Peers Comparison
Overall Rating
SPT69Neutral
PUBM68Neutral
API67Neutral
YEXT64Neutral
PHUN44Neutral- OLB38Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SPT | 69Neutral | $655.47M | -25.36 | -12.46% | ― | 10.73% | 44.80% |
| PUBM | 68Neutral | $771.85M | -457.75 | -0.60% | ― | 4.30% | 83.10% |
| API | 67Neutral | $402.10M | 34.80 | 1.96% | ― | 13.62% | ― |
| YEXT | 64Neutral | $758.98M | 33.06 | 27.89% | ― | -1.48% | 257.78% |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| PHUN | 44Neutral | $35.98M | -2.72 | -13.83% | ― | 14.63% | 11.10% |
| OLB | 38Underperform | $5.41M | -0.20 | -76.36% | ― | -32.53% | 89.66% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| OLB | Olb Group, Inc. | 0.18 | -0.79 | -81.55% | |
| PHUN | Phunware | 1.74 | -0.45 | -20.55% | |
| YEXT | Yext Inc | 7.65 | -0.79 | -9.36% | |
| SPT | Sprout Social Inc Class A | 11.53 | 1.48 | 14.73% | |
| API | Agora, Inc. | 4.09 | 0.69 | 20.29% | |
| PUBM | Pubmatic Inc | 19.02 | 9.59 | 101.70% |
OLB Group Corporate Events
OLB Group Launches At-The-Market Equity Offering Program
NeutralOn 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 methods...
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: Nov 02, 2026