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OLB

The OLB Group, Inc.

OLB

The OLB Group, Inc. • NASDAQ
$1.06 ▼ -2.75% (-0.03)
Market Cap $2.86 M
52w High $2.50
52w Low $0.80
Dividend Yield 0%
P/E -0.26
Volume 12.87K
Outstanding Shares 2.69M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $2.313M ▲ $733.848K ▼ $-1.175M ▲ -50.796% ▲ $-0.13 ▲ $-1.054M ▲
Q2-2025 $2.267M ▼ $826.042K ▼ $-2.124M ▼ -93.698% ▼ $-0.66 ▼ $-1.834M ▼
Q1-2025 $2.322M ▼ $830.045K ▼ $-1.089M ▲ -46.909% ▲ $-0.47 ▲ $-601.358K ▲
Q4-2024 $2.738M ▼ $4.32M ▲ $-4.546M ▼ -166.051% ▼ $-2.3 ▼ $-4.067M ▼
Q3-2024 $3.084M $1.505M $-1.63M -52.863% $-0.92 $-861.742K

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $3.54K ▲ $12.248M ▼ $6.99M ▲ $5.258M ▼
Q2-2025 $2.662K ▼ $12.386M ▼ $5.987M ▼ $6.399M ▲
Q1-2025 $29.34K ▲ $12.504M ▼ $10.213M ▲ $2.291M ▼
Q4-2024 $27.436K ▼ $12.68M ▼ $9.491M ▲ $3.189M ▼
Q3-2024 $41.288K $15.879M $9.199M $6.68M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $-1.175M ▲ $-115.505K ▲ $0 $116.383K ▼ $878 ▲ $-115.5K ▲
Q2-2025 $-2.124M ▼ $-1.02M ▼ $0 $993.095K ▲ $-26.678K ▼ $-1.02M ▼
Q1-2025 $-1.089M ▲ $-155.842K ▲ $0 $157.746K ▼ $1.904K ▲ $-155.842K ▲
Q4-2024 $-4.546M ▼ $-1.013M ▼ $0 $999.568K ▲ $-13.852K ▼ $-1.013M ▼
Q3-2024 $-1.63M $-376.662K $0 $364.685K $-11.977K $-376.662K

Five-Year Company Overview

Income Statement

Income Statement The business is still very small in terms of sales, and revenue has not grown meaningfully over the last several years. Gross profit exists but is thin, and operating results have been consistently in the red recently, with net losses each year. The pattern suggests a company still searching for scale and profitability, rather than one that has already established a stable earnings base. The repeated negative earnings per share also reflect the impact of past reverse stock splits and dilution, not just operating performance.

Balance Sheet

Balance Sheet The balance sheet looks light, with a relatively small asset base and a modest equity cushion that has been drifting down over time. Reported debt is minimal, which reduces financial leverage risk, but the absence of meaningful cash and the shrinking equity position highlight financial fragility. Overall, the company appears thinly capitalized and highly sensitive to business setbacks or funding needs.

Cash Flow

Cash Flow Operating cash flow has hovered around break-even, which in practice means the business is not yet generating clear, sustained cash surpluses from its core operations. Investment spending has been limited, with only a brief period of heavier outlays, suggesting constrained resources for growth. Taken together, the cash profile points to a company that likely depends on external financing and careful cash management rather than internally generated funds.

Competitive Edge

Competitive Edge OLB operates in very crowded arenas: payment processing, small‑business software, and now cryptocurrency mining. Its edge comes from bundling many tools into one platform tailored to small merchants, particularly convenience stores and bodegas that larger players may overlook. However, its tiny scale compared with major fintech and payment processors, plus exposure to a volatile crypto segment, makes its competitive position more niche and vulnerable than dominant or entrenched.

Innovation and R&D

Innovation and R&D The company has been active in building and integrating products: an all‑in‑one cloud platform for merchants, a payment gateway that works inside social media, AI‑driven analytics for small retailers, and a separate Bitcoin mining arm through DMint. The Moola Cloud initiative and focus on underbanked communities show a clear strategic direction. The main question is whether OLB has enough financial and organizational resources to fully execute these ideas and turn them into sustainable, profitable businesses.

Summary

OLB is a highly small-scale, loss‑making fintech and crypto player with an ambitious product set but modest financial strength. Revenue remains low and flat while the company continues to post losses, and the thin balance sheet leaves little margin for error. At the same time, the firm is innovating with integrated merchant platforms, AI analytics, and a crypto mining spin‑off strategy aimed at underserved markets. Future outcomes will depend heavily on its ability to grow its merchant base, manage crypto volatility, and strengthen its finances without overburdening existing shareholders, who have already experienced multiple reverse stock splits.