OLB Group (OLB) AI Stock Analysis

• Market Cap: $7.25M
• Dividend Yield: N/A
• Average Volume (3M): 77.80K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.58
• 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: 13,434,415
• 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: 0.22
• Enterprise Value/Revenue: 0.16
• Enterprise Value/Gross Profit: -1.03
• Enterprise Value/Ebitda: -0.21
• 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: 40 Underperform
• Price Target: $0.52 ▼(-36.71% Downside)

The score is weighed down primarily by very weak financial performance (negative gross profit, severe net losses, and negative operating/free cash flow) and bearish technicals (below key moving averages with negative MACD and sub-50 RSI). Corporate events are mixed, with potential upside from the planned spin-off but a significant counterweight from Nasdaq bid-price noncompliance, while valuation is constrained by losses and no dividend.

Positive Factors

Low leverage and manageable solvency

OLB’s very low debt-to-equity limits near-term solvency risk and preserves financial flexibility. For 2–6 months this reduces the likelihood of creditor-driven distress, supports access to financing if needed, and gives management runway to focus on operational fixes or strategic moves.

Diversified revenue model (transactions, subscriptions, services)

A mix of transaction fees, subscription income and value-added services provides multiple revenue levers tied to merchant volumes and recurring contracts. This structural diversity supports steadier gross revenue capture over time versus single-product firms, aiding revenue resilience as e-commerce adoption grows.

Planned DMint spin-off clarifies business focus

Separating DMint creates a streamlined fintech pure play and a distinct digital-assets business. This corporate restructuring can clarify strategy, align capital allocation to each model, attract targeted investors, and reduce operating volatility for the core payments/e-commerce business over the medium term.

Negative Factors

Negative gross profit and steep net losses

Negative gross profit implies core unit economics are broken: costs exceed revenues at the business-unit level. Such structural unprofitability erodes equity, requires sustained corrective action (pricing, cost cuts or product changes) and makes achieving durable profitability unlikely without material operational changes.

Persistent negative operating and free cash flow

Recurring cash burn forces reliance on external financing for working capital and operations. Over months this increases dilution risk, limits ability to invest in product or sales, and weakens negotiating leverage with partners; absent a path to positive cash flow, capital access will constrain strategic options.

Nasdaq bid-price noncompliance and listing risk

A formal listing compliance notice is a structural governance and market-access risk. If unresolved, delisting would reduce liquidity, hinder capital raising, and impair institutional interest. Even the grace period creates ongoing uncertainty that can constrain partnerships and strategic transactions over the medium term.

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

Overall financial quality is weak: TTM revenue declined (-7.4%), gross profit is negative (about -11.5% gross margin), losses are severe (about -92.7% net margin), and operating/free cash flow are negative (about -$2.3M). The main offset is relatively low leverage (debt-to-equity ~0.02 TTM), which helps near-term solvency but does not offset ongoing losses and cash burn.

Income Statement

Profitability is very weak and deteriorating. In TTM (Trailing-Twelve-Months), revenue declined (-7.4%) and the company posted a negative gross profit (gross margin about -11.5%), signaling that core costs exceed revenue. Losses remain severe (net margin about -92.7%), and operating profitability is deeply negative. While 2023 showed positive gross profit, the business has since moved back to negative gross profit and continued large net losses, which is a major concern.

Balance Sheet

Leverage looks manageable, with low debt relative to equity in TTM (Trailing-Twelve-Months) (~0.02) and still modest in 2024 (~0.12), which reduces near-term solvency risk (and is a big improvement from 2020’s highly levered position). However, equity has fallen sharply versus prior years and returns on equity are deeply negative in recent periods, reflecting ongoing losses and pressure on the capital base.

Cash Flow

Cash generation is weak and has turned negative again. TTM (Trailing-Twelve-Months) operating cash flow and free cash flow are both around -$2.3M, with free cash flow also negative in 2024 after a positive 2023. The company is not funding itself from operations, increasing reliance on external capital or balance-sheet resources. A positive note is that cash burn is not massively out of line with reported losses in the most recent periods, but the direction (back to negative cash flow) is unfavorable.

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: Negative
• Last Price: 0.82
• 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 0.82 is above the 20-day moving average (MA) of 0.62, above the 50-day MA of 0.80, and below the 200-day MA of 1.28, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 39.23 is Neutral, neither overbought nor oversold. The STOCH value of 17.15 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 *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
MYSZ	49 Neutral	$2.65M	-0.49	-60.58%	―	-22.01%	93.14%
AGMH	46 Neutral	$3.31M	0.04	95.31%	―	-19.32%	―
TGL	41 Neutral	$7.61M	-0.04	-269.14%	―	-73.83%	98.11%
OLB	40 Underperform	$7.25M	-0.15	-149.68%	―	-39.80%	77.33%
FRGT	40 Underperform	$1.85M	>-0.01	―	―	-19.53%	92.37%

OLB Group Corporate Events

OLB Group Plans Spin-Off of DMint Bitcoin Mining Unit

On February 3, 2026, The OLB Group announced the planned spin-off of its high-growth Bitcoin mining subsidiary DMint, Inc., creating two separately traded public companies: a streamlined OLB focused on payment processing, merchant services and e-commerce, and DMint as a pure-play Bitcoin miner. Under the structure, OLB shareholders of record will receive DMint shares on a pro rata basis, with additional shares distributed after DMint’s concurrent public offering, giving existing investors direct exposure to both a lower-volatility fintech business and a higher-growth digital asset mining platform. The transaction is designed to unlock value by allowing investors to independently assess the two distinct business models, potentially broaden each company’s investor base, and clarify market positioning, while DMint plans to use offering proceeds to expand mining capacity, scale its Selmer, Tennessee facility, and strengthen working capital, and OLB’s current leadership remains in place to ensure operational continuity post spin-off.

The most recent analyst rating on (OLB) stock is a Sell with a $0.49 price target. To see the full list of analyst forecasts on OLB Group stock, see the OLB Stock Forecast page.

OLB Group Receives Nasdaq Notice on Bid Price Noncompliance

On January 29, 2026, The OLB Group, Inc. received notice from the NASDAQ Stock Market that its common stock had failed to meet the minimum $1.00 closing bid price requirement for 30 consecutive business days, putting the company out of compliance with NASDAQ’s continued listing standards. NASDAQ has granted the company a 180-day grace period, until July 28, 2026, to regain compliance by maintaining a closing bid price of at least $1.00 for 10 consecutive business days, during which time OLB’s shares will continue to trade on the NASDAQ Capital Market; failure to meet the requirement could result in a delisting notice, with only a potentially uncertain appeals process available to preserve its listing, raising risks for shareholders and the company’s market visibility.

The most recent analyst rating on (OLB) stock is a Sell with a $0.49 price target. To see the full list of analyst forecasts on OLB Group stock, see the OLB Stock Forecast page.

OLB Group Completes Registered Direct Offering and Warrants

On January 22, 2026, The OLB Group, Inc. entered into a securities purchase agreement with institutional investors for a registered direct offering of 2,166,666 shares of common stock and a concurrent private placement of warrants to purchase an equal number of shares, at a combined price of $0.60 per share and warrant, generating approximately $1.3 million in gross proceeds before fees; the offering, conducted under an effective shelf registration, closed on January 26, 2026, with the company planning to use the net proceeds for general and working capital purposes. The warrants, which were issued in a private placement to accredited investors, are exercisable six months after issuance at $0.78 per share for five years, and the deal includes a short-term restriction on additional equity issuance, while placement agent D. Boral Capital LLC received a 6% cash fee, expense reimbursement, and a limited right of first refusal on future advisory and financing mandates, underscoring OLB’s continued reliance on capital markets financing and potentially modest equity dilution for existing shareholders.

The most recent analyst rating on (OLB) stock is a Hold with a $0.57 price target. To see the full list of analyst forecasts on OLB Group stock, see the OLB Stock Forecast page.

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.