OL
OLB.O
—
NASDAQ
Transaction Processing Services
Olb.O
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
3,0M USD
P/E
—
EV / Rev
—
Div yield
—
Op margin
-92,4 %
ROE
-223,9 %
Net margin
-92,7 %
Debt / equity
—
Beta
—
52w range
—
Volume
7
Day range
—
Prev close
$0,29
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
OLB Group Inc operates in the Payment Networks industry within the Banking & Investment Services sector, generating revenue through transaction processing services.
Business. OLB Group Inc operates in the Payment Networks industry within the Banking & Investment Services sector, generating revenue through transaction processing services.
Classification81 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupTransaction Processors
IndustryTransaction Processing Services
ActivityPayment Networks
Generated · model-assisted
Sell-side consensus
BUY1 analysts
1 buy0 hold0 sell
Avg 12m price target3,00
Analyst recommendations
1 analysts · consensus BuyBuy1
Hold0
Sell0
12-month price target
3,00
Consensus of sell-side coverage.
At a glance
Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Buy
1 analysts · indicative
Ownership→
Geode Capital Management, L.L.C.
largest disclosed fund holder
Profitability→
-223,9 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to OLB.O. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
— missing data
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
OLB Group Inc operates in the Payment Networks industry within the Banking & Investment Services sector, generating revenue through transaction processing services.
Classification81 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupTransaction Processors
IndustryTransaction Processing Services
ActivityPayment Networks
AI synthesis
GENERATEDThe company maintains a debt-free capital structure with a debt-to-equity ratio of 0.0, supported by total equity of $4.61 million against total liabilities of $7.69 million. Total assets stand at $12.30 million. The firm trades at a price-to-book ratio of 0.6, indicating a market valuation below its book value. Operating cash flow is negative at -$1.33 million, reflecting current cash burn.
Profitability metrics are deeply negative, with a return on equity of -2.24 and a return on assets of -0.84. The company reported an operating income of -$5.17 million and a net income of -$5.87 million on revenues of $8.68 million. These losses significantly erode shareholder value, resulting in a negative ROE that contrasts sharply with typical industry benchmarks for profitable payment processors.
Revenue concentration and segment details are not provided in the available data. Geographic exposure is similarly unspecified. The analysis relies on aggregate financial figures without breakdown by business unit or region.
Growth trajectory cannot be assessed due to the absence of historical period data. Only the latest normalized period is available, preventing year-over-year or quarter-over-quarter trend analysis. The single-period revenue figure of $8.68 million provides a baseline but no directional context.
Risk assessment indicates low dilution risk, with basic and diluted shares outstanding both at 9,438,132. Liquidity risk is flagged as unknown due to insufficient balance-sheet inputs for precise calculation, though the debt-free status mitigates immediate solvency concerns. Key flags note the inability to assess liquidity risk fully.
Recent observations include analyst estimates with a mean price target of $3.00, representing a significant premium to the current market price of $0.29. The mean recommendation is 2.00 (Buy), with one Buy rating and no Strong Buy or Hold ratings. News events reflect internal reconciler activities rather than external corporate developments.
Key takeaways
- The company is debt-free with a debt-to-equity ratio of 0.0, providing a clean balance sheet despite operational losses.
- Significant profitability challenges exist, with net income of -$5.87 million and an ROE of -2.24.
- Market valuation is depressed at a P/B of 0.6, trading well below book value.
- Analyst sentiment is positive with a mean price target of $3.00, implying substantial upside from the current $0.29 price.
- Dilution risk is low, with no difference between basic and diluted share counts.
- Liquidity risk is unassessed due to data limitations, though negative operating cash flow of -$1.33 million warrants monitoring.
Bull / Bear case
analysis pipeline— missing data
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-04-01
Q1 2026 · Quarter highlights
Revenue $1.8M, −35,2% YoY; Operating income +67,3% YoY.
Revenue$1.8M−35,2 % YoY
Operating income-$1.5M+67,3 % YoY
Net income-$1.5M+67,3 % YoY
Free cash flow-$1.5M+63,9 % YoY
EPS—
Operating cash flow-$1.3M+48,8 % YoY
Financials
Income statement
Revenue$1.8M
Gross profit$110.6k
Operating income-$1.5M
Net income-$1.5M
Margins
Gross margin6.2%
Operating margin-83.7%
Net margin-83.7%
FCF margin-83.3%
Balance sheet
Total assets$12.3M
Total liabilities$7.7M
Total equity$4.6M
Cash & equivalents—
Long-term debt$243.7k
Cash flow
Operating cash flow-$1.3M
CapEx—
Free cash flow-$1.5M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $1.8M, −35,2% YoY
- ▍Operating income +67,3% YoY
- ▍Net income +67,3% YoY
- ▍Free cash flow +63,9% YoY
- ▍Net margin -83.7%
ANNUALFiled 2026-04-01
FY 2026 · Full-year highlights
Revenue $8.7M, −32,4% YoY; Operating income +55,3% YoY.
Revenue$8.7M−32,4 % YoY
Operating income-$5.2M+55,3 % YoY
Net income-$5.9M+47,7 % YoY
Free cash flow-$6.2M+24,8 % YoY
EPS—
Operating cash flow-$1.3M+48,8 % YoY
Financials
Income statement
Revenue$8.7M
Gross profit$1.1M
Operating income-$5.2M
Net income-$5.9M
Margins
Gross margin13.2%
Operating margin-60.1%
Net margin-67.7%
FCF margin-71.1%
Balance sheet
Total assets$12.3M
Total liabilities$7.7M
Total equity$4.6M
Cash & equivalents—
Long-term debt$243.7k
Cash flow
Operating cash flow-$1.3M
CapEx—
Free cash flow-$6.2M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $8.7M, −32,4% YoY
- ▍Operating income +55,3% YoY
- ▍Net income +47,7% YoY
- ▍Free cash flow +24,8% YoY
- ▍Net margin -67.7%
ANNUALFiled 2024-04-15
FY 2024 · Full-year highlights
Revenue $30.6M, +0,7% YoY; Operating income −187,3% YoY.
Revenue$30.6M+0,7 % YoY
Operating income-$23.5M−187,3 % YoY
Net income-$23.2M−197,7 % YoY
Free cash flow-$17.9M−520,8 % YoY
EPS—
Operating cash flow$2.0M+206,5 % YoY
Financials
Income statement
Revenue$30.6M
Gross profit$9.4M
Operating income-$23.5M
Net income-$23.2M
Margins
Gross margin30.7%
Operating margin-76.8%
Net margin-75.8%
FCF margin-58.5%
Balance sheet
Total assets$19.7M
Total liabilities$7.5M
Total equity$12.2M
Cash & equivalents—
Long-term debt$407.9k
Cash flow
Operating cash flow$2.0M
CapEx-$1.2M
Free cash flow-$17.9M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $30.6M, +0,7% YoY
- ▍Operating income −187,3% YoY
- ▍Net income −197,7% YoY
- ▍Free cash flow −520,8% YoY
- ▍Net margin -75.8%
ANNUALFiled 2023-03-30
FY 2023 · Full-year highlights
Revenue $30.4M, +81,7% YoY; Operating income −68,1% YoY.
Revenue$30.4M+81,7 % YoY
Operating income-$8.2M−68,1 % YoY
Net income-$7.8M−56,4 % YoY
Free cash flow-$2.9M+90,0 % YoY
EPS—
Operating cash flow-$1.9M+45,2 % YoY
Financials
Income statement
Revenue$30.4M
Gross profit$7.2M
Operating income-$8.2M
Net income-$7.8M
Margins
Gross margin23.8%
Operating margin-26.9%
Net margin-25.6%
FCF margin-9.5%
Balance sheet
Total assets$38.7M
Total liabilities$4.0M
Total equity$34.6M
Cash & equivalents—
Long-term debt$557.4k
Cash flow
Operating cash flow-$1.9M
CapEx-$1.6M
Free cash flow-$2.9M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $30.4M, +81,7% YoY
- ▍Operating income −68,1% YoY
- ▍Net income −56,4% YoY
- ▍Free cash flow +90,0% YoY
- ▍Net margin -25.6%
ANNUALFiled 2022-03-28
FY 2022 · Full-year highlights
Revenue $16.7M; Operating income -$4.9M.
Revenue$16.7M
Operating income-$4.9M
Net income-$5.0M
Free cash flow-$28.7M
EPS—
Operating cash flow-$3.5M
Financials
Income statement
Revenue$16.7M
Gross profit$3.2M
Operating income-$4.9M
Net income-$5.0M
Margins
Gross margin19.3%
Operating margin-29.1%
Net margin-29.8%
FCF margin-172.0%
Balance sheet
Total assets$45.5M
Total liabilities$3.3M
Total equity$42.2M
Cash & equivalents—
Long-term debt$0.00
Cash flow
Operating cash flow-$3.5M
CapEx-$25.7M
Free cash flow-$28.7M
SBC—
P&L flow · revenue → net income
Highlights
- ▍Revenue $16.7M
- ▍Operating income -$4.9M
- ▍Net margin -29.8%
Valuation FY
Market price
$0,32
Market cap
$2.8M
Enterprise valueⓘ
—
P/Eⓘ
—
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
—
EV / Op incomeⓘ
—
EV / OCFⓘ
—
P / Bⓘ
0.6x
P / Tangible bookⓘ
0.6x
Tangible book
$4.6M
Net cashⓘ
—
Current ratioⓘ
—
Debt / equityⓘ
—
ROAⓘ
-83.8%
ROEⓘ
-2.2%
Cash conversionⓘ
13.0%
CapEx / revenueⓘ
—
SBC / revenueⓘ
—
Dilution ratioⓘ
0.0%
Revenue by segment
Business relationships
Business relationships2 disclosed relationships · 1 type · extracted from filings & disclosures
Partners2
MASTERCARD INCORPORATEDMA.NPartner90%Source ↗
Supply chain
Vendors → OLB ↔ Partners → Customers · click any node to drill
2 mentions in 10-K0 from corporate websites0 from news dispatches
Updated 2026-06-24Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Next quarternear-term
Earnings · next quarterconf 45 %
EPS
Consensus EPS
-0,35
Predicted surprise
+0,00
Beat probability
45 %
Analysts
1
Other metrics
Revenue
—
no estimate
Segment revenue
—
no estimate
Margin
—
no estimate
Segment margin
—
no estimate
as of 2026-07-31 · Earnings Surprise V1
Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
Full fiscal year~1 year ahead
Full fiscal year · our forecast vs guidance vs consensus
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | -0,35 |
| Revenue | —no estimate | —no estimate | 8,1M USD |
| Operating income | —no estimate | —no estimate | -4,5M USD |
Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
Probabilistic model output — not investment advice. · generated 2026-08-04
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Consensus distribution
sell-side coverageRecommendation distribution1 analysts
Strong buy0
Buy1
Hold0
Sell0
Strong sell0
12-month price target$3,00 · Median $3,00
Low $3,00High $3,00
Operating income · consensus-4,5M USD
EPS surprise
−397,1 %
reported vs consensus · miss
Revenue surprise
+7,6 %
reported vs consensus · beat
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
Low$3,00
Mean$3,00
Median$3,00
High$3,00
Spot$0,32
+847.0 %implied to mean12-month sell-side price targets · ▲ spot
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskLow
Liquidity riskUnknown
Benchmarks vs cohort
Op Margin-92,4 %Below median
Net Margin-92,7 %Below median
ROE-223,9 %Bottom quartile
D/E0,00Above median
Cash Conv0,13Below median
Corporate actions / M&A
— missing data
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Reference data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
How metrics are computed
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Return On Equitynet_income / total_equity
- Market Capmarket_price * shares_outstanding_diluted
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Source documents
- THE OLB GROUP, INC. Market data — financials · 2026-07-31
- reconciler_enqueue (reconciler) on OLB.O · 2026-07-31
- OLB Group Inc Market data — analyst estimates · 2026-07-31
- OLB.O HA canonical relationships · 2026-07-31
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Leadership
- Ronny YakovChairman of the Board, Chief Executive Officer
Insider activity
— missing data
Short positioning
323.6Kshares short+206.4% vs prior
1.17days to cover
32.5%short of daily vol
935fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
OLB.OCanonical
NASDAQ · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskLow
Liquidity riskUnknown
Relationship graph
This companySectorPartners
Evidence & claims
From filings & derived data- Current liabilities (annual): USD 7.69MUnknown
- Shareholders' equity (annual): USD 4.61MUnknown
- Shares outstanding (annual): 9.44MUnknown
- Total assets (annual): USD 12.3MUnknown
- Pre-tax income (annual): USD -5.87MUnknown
- Total liabilities (annual): USD 7.69MUnknown
- Current assets (annual): USD 1.05MUnknown
- Operating income (annual): USD -5.17MUnknown
- Operating cash flow (annual): USD -1.33MUnknown
- EPS (diluted) (annual): USD-PER-SHARES -2Unknown
- Revenue (annual): USD 8.68MUnknown
- Total operating expenses (annual): USD 13.84MUnknown
- EPS (basic) (annual): USD-PER-SHARES -2Unknown
- Current assets (annual): USD 745.71KUnknown
- Net income (annual): USD -11.22MUnknown
- Operating income (annual): USD -11.68MUnknown
- Total operating expenses (annual): USD 24.52MUnknown
- Cash & equivalents (annual): USD 27.44KUnknown
- Total liabilities (annual): USD 9.49MUnknown
- Current liabilities (annual): USD 9.4MUnknown
- Total assets (annual): USD 12.68MUnknown
- EPS (basic) (annual): USD-PER-SHARES -6Unknown
- Operating cash flow (annual): USD -2.6MUnknown
- Shares outstanding (annual): 2.28MUnknown
Showing 24 of 28 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-29 22:34 UTCEVENTHa Price Listing OLB remains DEFICIENT (NASDAQ) — cure period. closed below $1.00 for 150 consecutive trading days (last close $0.3141). cure deadline 2027-01-17 (172 days remaining).
2026-04-01 06:16 UTCEARNINGSQuarterly results — Q1 2026 Revenue USD 1.8M · Net USD -1.5M
2026-04-01 06:16 UTCEARNINGSAnnual results — FY 2026 Revenue USD 8.7M · Net USD -5.9M
2025-06-02 00:00 UTCINSIDER1 insider transaction — 2025-06
2025-06-02 00:00 UTCINSIDER1 insider transaction — 2025-06
2024-04-15 09:03 UTCEARNINGSAnnual results — FY 2024 Revenue USD 30.6M · Net USD -23.2M
2024-01-16 00:00 UTCINSIDER8 insider transactions — 2024-01 · net buy $900k 4 derivative
2024-01-16 00:00 UTCINSIDER8 insider transactions — 2024-01 · net buy $900k 4 derivative
2023-07-21 00:00 UTCINSIDER16 insider transactions — 2023-07
2023-07-21 00:00 UTCINSIDER16 insider transactions — 2023-07
2023-06-08 00:00 UTCINSIDER10 insider transactions — 2023-06 2 derivative
2023-06-08 00:00 UTCINSIDER10 insider transactions — 2023-06 2 derivative
2023-03-30 09:34 UTCEARNINGSAnnual results — FY 2023 Revenue USD 30.4M · Net USD -7.8M
2022-03-28 17:08 UTCEARNINGSAnnual results — FY 2022 Revenue USD 16.7M · Net USD -5.0M
The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04
Reference data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data
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