OLB Group (OLB) AI Stock Analysis

• Market Cap: $5.33M
• Dividend Yield: N/A
• Average Volume (3M): 77.80K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.63
• Revenue Growth: -39.80%
• EPS Growth: 77.33%
• Country: US
• Employees: 15
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): N/A
• Shares Outstanding: 8,780,749
• 10 Day Avg. Volume: 96,235
• 30 Day Avg. Volume: 77,795
• PEG Ratio: <0.01
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 0.30
• P/FCF Ratio: -1.48
• Enterprise Value/Market Cap: 1.57
• Enterprise Value/Revenue: 0.87
• Enterprise Value/Gross Profit: -5.52
• Enterprise Value/Ebitda: -1.11
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: $0.70 ▼(-14.15% Downside)

The score is driven primarily by very weak financial performance—negative gross profit, steep net losses, and renewed negative operating/free cash flow—indicating a challenged business model and continued funding risk. Technicals are also unfavorable with a bearish longer-term trend and negative MACD. Valuation provides little support because the company is loss-making and offers no dividend yield.

Positive Factors

Low Financial Leverage

Persistently low debt relative to equity reduces near-term solvency risk and preserves financial flexibility. For a cash-burning fintech, modest leverage lengthens runway, lowers refinancing pressure, and makes future capital raises or strategic investments easier without immediate balance-sheet strain.

Diversified Revenue Model

A mix of transaction fees and subscription services creates complementary revenue streams: volatile volume-linked fees plus recurring SaaS-like subscriptions. Over time this can improve revenue predictability, customer stickiness, and lifetime value if the company stabilizes merchant adoption and upsells value-added services.

Governance and Leadership Continuity

Re-election of directors and auditor ratification signal shareholder support for current governance and oversight. Stable board and management continuity reduce execution risk, preserve strategic focus, and support longer-term initiatives like platform improvement or partnership builds essential in fintechs.

Negative Factors

Negative Gross Profit and Deep Losses

Negative gross profit means unit economics are broken: core product costs exceed revenue before operating expenses. This structural profitability failure undermines scalability and requires decisive pricing, cost restructuring, or product changes to achieve sustainable margins over the medium term.

Negative Operating and Free Cash Flow

Consistent negative operating and free cash flow increases reliance on external financing, compresses investment capacity, and raises dilution or solvency risk. Absent a durable turnaround in cash generation, the company may struggle to fund growth initiatives and maintain competitive investments in technology/platforms.

Sharp Revenue Contraction

A near-40% revenue decline materially reduces economies of scale and weakens merchant relationships. Sustained top-line shrinkage raises fixed-cost burden per unit, hinders reinvestment in product and sales, and makes achieving profitable scale far more difficult absent a clear recovery in merchant acquisition or retention.

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 generates revenue primarily through transaction fees charged to merchants for payment processing services. Each time a consumer makes a purchase through a merchant using OLB's services, the company earns a percentage of the transaction value. Additionally, OLB offers subscription-based services for its e-commerce technology solutions, providing businesses with tools for online sales, website management, and customer engagement. Key revenue streams include merchant fees, subscription fees, and value-added services such as fraud protection and analytics. The company also benefits from partnerships with payment networks and financial institutions, enhancing its service offerings and expanding its market reach, contributing significantly to its overall earnings.

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	9.64M	12.84M	30.57M	30.37M	16.71M	9.77M
Gross Profit	-1.51M	-763.20K	5.57M	4.14M	1.10M	3.76M
EBITDA	-7.56M	-8.03M	-16.39M	-929.10K	-2.97M	128.47K
Net Income	-8.93M	-11.22M	-23.18M	-7.79M	-4.98M	-1.78M
Balance Sheet
Total Assets	12.25M	12.68M	19.73M	38.65M	45.53M	14.38M
Cash, Cash Equivalents and Short-Term Investments	3.54K	27.44K	452.67K	684.03K	3.47M	3.82M
Total Debt	108.00K	375.05K	407.86K	830.19K	406.35K	8.16M
Total Liabilities	6.99M	9.49M	7.38M	4.02M	4.15M	8.63M
Stockholders Equity	5.26M	3.19M	12.23M	34.64M	41.38M	5.75M
Cash Flow
Free Cash Flow	-2.30M	-2.60M	816.81K	-3.48M	-29.17M	-476.66K
Operating Cash Flow	-2.30M	-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	2.27M	2.12M	-221.83K	447.43K	28.82M	3.79M

OLB Group Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.82
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OLB, the sentiment is Neutral. The current price of 0.82 is above the 20-day moving average (MA) of 0.71, below the 50-day MA of 0.90, and below the 200-day MA of 1.31, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 47.20 is Neutral, neither overbought nor oversold. The STOCH value of 38.25 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for OLB.

OLB Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
MYSZ	49 Neutral	$3.73M	-0.66	-60.58%	―	-22.01%	93.14%
AGMH	46 Neutral	$4.01M	0.05	95.31%	―	-19.32%	―
OLB	43 Neutral	$5.33M	-0.20	-149.68%	―	-39.80%	77.33%
TGL	41 Neutral	$10.43M	-0.06	-269.14%	―	-73.83%	98.11%
FRGT	40 Underperform	$2.57M	>-0.01	―	―	-19.53%	92.37%

OLB Group Corporate Events

OLB Group Shareholders Back Governance and Leadership Continuity

At the annual meeting of stockholders of The OLB Group, Inc., held on December 19, 2025, shareholders voted on key corporate governance matters, including board composition, executive pay and auditor appointment. Investors re-elected four directors to one‑year terms, ratified the selection of RBSM, LLP as the independent auditor for the 2025 fiscal year, and approved on an advisory basis the compensation of the company’s named executive officers, reinforcing continuity in OLB Group’s leadership and oversight structure and signaling shareholder support for its current governance and financial reporting framework.

The most recent analyst rating on (OLB) stock is a Hold with a $1.00 price target. To see the full list of analyst forecasts on OLB Group stock, see the OLB Stock Forecast page.