OLB · Olb Group, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.66M | - | $3.08M | - | $2.32M | - | - | - | $3.50M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $629.7K | - | $591.9K | $491.5K | $490.2K | - | $282.8K | $948.0K | $1.02M | - |
| Total Operating Expenses | $2.93M | - | $3.45M | $3.96M | $3.17M | - | $4.71M | $6.14M | $6.38M | - |
| D&A | $3.4K | - | $120.7K | $124.9K | $262.1K | - | $933.1K | $899.8K | $940.5K | - |
| Operating Income | ($1.27M) | - | ($1.13M) | ($1.70M) | ($848.7K) | - | ($1.63M) | ($2.62M) | ($2.89M) | - |
| Interest Expense | $100 | - | $231 | $169.8K | $225.3K | - | - | $32.9K | $13.0K | - |
| Income Tax | - | - | - | - | - | - | - | - | - | - |
| Net Income | ($1.08M) | - | ($1.18M) | ($2.90M) | ($1.09M) | - | ($1.63M) | ($2.65M) | ($2.37M) | - |
| EPS - Basic | ($0.08) | - | ($0.13) | ($0.66) | ($0.47) | - | ($0.92) | ($1.49) | ($0.14) | - |
| EPS - Diluted | ($0.08) | - | ($0.13) | ($0.66) | ($0.47) | - | ($0.92) | ($1.49) | ($0.14) | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $2.33M | $15.8K | $3.5K | $2.7K | $29.3K | $27.4K | $41.3K | $53.3K | $3.3K | $179.0K |
| Accounts Receivable | $16.1K | $17.4K | $46.9K | $81.0K | $127.7K | $100.6K | $87.0K | $118.0K | $207.3K | $466.9K |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | $3.72M | $4.46M | $4.00M | $3.78M | $4.53M | $4.22M | $4.37M | $4.23M | $3.71M | $3.53M |
| Current Assets | $3.73M | $1.05M | $890.2K | $875.6K | $841.6K | $745.7K | $643.4K | $589.5K | $1.31M | $1.82M |
| Total Assets | $14.98M | $12.30M | $12.25M | $12.39M | $12.50M | $12.68M | $15.88M | $16.59M | $18.28M | $19.73M |
| Current Liabilities | $6.88M | $7.69M | $6.93M | $5.91M | $10.12M | $9.40M | $8.10M | $8.32M | $7.15M | $7.23M |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $6.88M | $7.69M | $6.99M | $5.99M | $10.21M | $9.49M | $9.20M | $8.32M | $7.15M | $7.38M |
| Stockholders' Equity | $4.61M | $4.61M | $5.26M | $6.40M | $2.29M | $3.19M | $6.68M | $8.27M | $11.04M | $12.23M |
| Retained Earnings | ($75.53M) | ($74.45M) | ($72.96M) | ($71.79M) | ($68.89M) | ($67.80M) | ($63.25M) | ($61.62M) | ($58.95M) | ($56.57M) |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($1.34M) | - | - | - | ($155.8K) | - | - | - | ($424.7K) | - |
| Investing Cash Flow | - | - | - | - | - | - | - | - | - | - |
| Financing Cash Flow | $3.65M | - | - | - | $157.7K | - | - | - | $249.0K | - |
| CapEx | - | - | - | - | - | - | - | - | $937.6K | - |
| Free Cash Flow | - | - | - | - | - | - | - | - | ($1.36M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | -76.7% | - | -36.8% | - | -36.6% | - | - | - | -82.6% | - |
| EBITDA margin | -76.5% | - | -32.9% | - | -25.3% | - | - | - | -55.7% | - |
| Net margin | -65.1% | - | -38.1% | - | -46.9% | - | - | - | -67.8% | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | -39.0% | - |
| FCF / Net income | - | - | - | - | - | - | - | - | 0.57 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 38.0% | - | 19.2% | - | 21.1% | - | - | - | 29.3% | - |
| Effective tax rate | - | - | - | - | - | - | - | - | - | - |
| Return on assets | -7.2% | - | -9.6% | -23.4% | -8.7% | - | -10.3% | -16.0% | -13.0% | - |
| Return on equity | -23.4% | - | -22.3% | -45.3% | -47.5% | - | -24.4% | -32.0% | -21.5% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | 0.54 | 0.14 | 0.13 | 0.15 | 0.08 | 0.08 | 0.08 | 0.07 | 0.18 | 0.25 |
| Quick ratio | 0.54 | 0.14 | 0.13 | 0.15 | 0.08 | 0.08 | 0.08 | 0.07 | 0.18 | 0.25 |
| Cash ratio | 0.34 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.02 |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | -12698.9x | - | -4912.5x | -10.0x | -3.8x | - | - | -79.4x | -221.9x | - |
| Equity multiplier | 3.25 | 2.67 | 2.33 | 1.94 | 5.46 | 3.98 | 2.38 | 2.01 | 1.66 | 1.61 |
| Liabilities / Assets | 0.46 | 0.63 | 0.57 | 0.48 | 0.82 | 0.75 | 0.58 | 0.50 | 0.39 | 0.37 |
| Efficiency | ||||||||||
| Asset turnover | 0.11 | - | 0.25 | - | 0.19 | - | - | - | 0.19 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | 4d | - | 6d | - | 20d | - | - | - | 22d | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | - | - | - | - |
| P / B | 1.4x | - | 1.9x | 1.3x | 1.2x | - | 0.7x | 0.7x | 9.0x | - |
| P / S | 3.9x | - | 3.3x | - | 1.2x | - | - | - | 28.6x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -28.7% | - | - | - | -33.6% | - | - | - | -48.1% | - |
| Revenue CAGR (3y) | -37.4% | - | -21.0% | - | -35.8% | - | - | - | 16.2% | - |
| Revenue CAGR (5y) | -5.7% | - | 6.0% | - | -2.3% | - | - | - | 6.2% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -49.6% | - | 30.4% | 35.1% | 70.6% | - | 12.3% | -314.0% | -20.2% | - |
| Net income growth (YoY) | 1.0% | - | 27.9% | -9.5% | 54.1% | - | 9.5% | -350.5% | 9.3% | - |
| EPS growth (YoY) | 83.0% | - | 85.9% | 55.7% | -235.7% | - | -666.7% | -3625.0% | -27.3% | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 101.0% | 44.4% | -21.3% | -22.7% | -79.3% | -73.9% | -77.6% | -73.9% | -65.8% | -64.7% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$8.68M totalTransaction And Processing Fees$7.94M · 91.5%
Other Revenue From Monthly Recurring Subscriptions$302.2K · 3.5%
Revenue Net Bitcoin Mining$210.3K · 2.4%
Digital Product Revenue$198.9K · 2.3%
Merchant Equipment Rental And Sales$28.7K · 0.3%
Peer comparison
Same SIC group: Services-Business Services, NEC
Comparing OLB GROUP against the 5 most active filers in the same SIC group.