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OLB Group (OLB)
NASDAQ:OLB
US Market
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OLB Group (OLB) AI Stock Analysis

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OLB

OLB Group

(NASDAQ:OLB)

Rating:41Neutral
Price Target:
$1.50
▲(30.43% Upside)
OLB Group's overall stock score is primarily impacted by its poor financial performance, characterized by sustained losses, declining revenues, and liquidity concerns. Technical analysis indicates a bearish trend, further weighing down the score. The negative P/E ratio and lack of dividend yield reflect unattractive valuation metrics. The absence of earnings call data and corporate events leaves these areas unaddressed.

OLB Group (OLB) vs. SPDR S&P 500 ETF (SPY)

OLB Group Business Overview & Revenue Model

Company DescriptionOLB Group, Inc. is a diversified financial technology and payment processing company that operates primarily in the digital payment sector. The company focuses on providing innovative payment solutions, including merchant services, e-commerce platforms, and mobile payment processing. OLB Group targets various industries, including retail, hospitality, and e-commerce, offering tools that enhance transaction efficiency and customer engagement.
How the Company Makes MoneyOLB 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 Earnings Call Summary

Earnings Call Date:Aug 14, 2025
(Q4-2023)
|
% Change Since: |
Next Earnings Date:Nov 14, 2025
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.
Q4-2023 Updates
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.
No Debt and Significant Assets
The company maintained zero debt and reported $19 million in assets.
Bodega Expansion
The company expanded its services to 1,800 distribution locations and plans to add more services, indicating potential revenue growth.
Positive Outlook on Spin-off
The spin-off of DMINT is active, with plans for a dividend distribution by the second quarter of 2024.
Negative Updates
Increased Operating Expenses
Operating expenses increased significantly to $54 million from $39 million in 2022, including a $13 million impairment.
Significant Net Loss
The net loss for 2023 was $23.3 million compared to $8.2 million in 2022, with a net loss per share of $0.65.
Impairment and Legal Issues
A $13 million impairment was recorded due to shutting down the FFS portfolio, accompanied by ongoing legal issues with FFS and Clear Fork Bank.
Reverse Stock Split
A reverse stock split is planned to meet NASDAQ requirements, which may indicate challenges in maintaining stock value.
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
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
30
Negative
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
40
Negative
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
35
Negative
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue10.41M12.84M30.57M30.37M16.71M9.77M
Gross Profit-1.24M-763.20K5.57M7.22M3.23M3.76M
EBITDA-7.36M-8.03M-16.39M-918.53K-2.97M128.47K
Net Income-9.39M-11.22M-23.18M-7.79M-4.98M-1.78M
Balance Sheet
Total Assets12.39M12.68M19.73M38.65M45.53M14.38M
Cash, Cash Equivalents and Short-Term Investments2.66K27.44K452.67K684.03K3.47M3.82M
Total Debt145.93K375.05K407.86K830.19K406.35K8.16M
Total Liabilities5.99M9.49M7.38M4.02M3.32M8.63M
Stockholders Equity6.40M3.19M12.23M34.64M41.38M5.75M
Cash Flow
Free Cash Flow-2.57M-2.60M816.81K-3.48M-29.17M-476.66K
Operating Cash Flow-2.57M-2.60M2.05M-1.92M-3.51M-326.66K
Investing Cash Flow0.00332.89K-2.08M-1.56M-25.66M-150.00K
Financing Cash Flow2.52M2.12M-221.83K447.43K28.82M3.79M

OLB Group Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1.15
Price Trends
50DMA
1.60
Negative
100DMA
1.55
Negative
200DMA
1.56
Negative
Market Momentum
MACD
-0.15
Positive
RSI
32.57
Neutral
STOCH
22.13
Neutral
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 1.15 is below the 20-day moving average (MA) of 1.41, below the 50-day MA of 1.60, and below the 200-day MA of 1.56, indicating a bearish trend. The MACD of -0.15 indicates Positive momentum. The RSI at 32.57 is Neutral, neither overbought nor oversold. The STOCH value of 22.13 is Neutral, 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 90 risk factors in its most recent earnings report. OLB Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 1 New Risks
1.
Our failure to meet the continued listing requirements of Nasdaq could result in a delisting of our securities. Q4, 2023

OLB Group Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
61
Neutral
$35.62B8.22-10.94%1.88%8.86%-10.36%
48
Neutral
$3.81M-53.78%-31.86%90.11%
46
Neutral
$5.24M0.4016.50%-65.51%
41
Neutral
$9.64M-127.98%-53.98%72.82%
40
Underperform
$3.55M-568.01%-19.53%92.37%
$5.41M-198.73%
41
Neutral
$5.14M-8.88%-96.03%95.03%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
OLB
OLB Group
1.13
-1.19
-51.29%
MYSZ
My Size
1.17
-0.78
-40.00%
FRGT
Freight Technologies
1.29
-17.45
-93.12%
AGMH
AGM Group Holdings
2.60
-52.40
-95.27%
AUUD
Auddia
2.52
-12.10
-82.76%
TGL
Treasure Global, Inc.
1.35
-33.83
-96.16%
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.Date of analysis: Aug 15, 2025