📊 OLB Key Takeaways
Is Olb Group, Inc.. (OLB) a Good Investment?
OLB Group faces existential financial distress with a negative 77% net margin, critical liquidity crisis (0.14x current ratio with only $15.8K cash), and severe cash burn ($1.3M operating outflow). The company is losing $6.7M on $8.7M revenue with zero growth, unable to sustain operations without immediate capital injection.
OLB shows flat revenue alongside a near-zero gross margin and deep operating and net losses, producing severely negative ROA/ROE and free cash flow. Liquidity is critically strained (0.14x current ratio and minimal cash), creating acute going‑concern and dilution risk despite low leverage. Without clear, sustained margin expansion and positive operating cash flow, fundamentals remain unfavorable.
Why Buy Olb Group, Inc.. Stock? OLB Key Strengths
- Moderate leverage with 0.09x debt-to-equity ratio limits near-term default risk
- Company maintains positive stockholders equity of $4.6M above negative tangible net worth territory
- Some asset base of $12.3M provides liquidation floor
- Low leverage with modest long-term debt (Debt/Equity 0.09x)
- Positive shareholders’ equity (assets exceed liabilities)
- Revenue stable YoY, indicating some baseline demand
OLB Stock Risks: Olb Group, Inc.. Investment Risks
- Critical liquidity crisis: 0.14x current ratio with only $15.8K cash cannot support liabilities
- Gross margin collapse at 0.3% indicates fundamental business model failure
- Negative operating cash flow of -$1.3M with ongoing capex spending of $1.2M accelerates cash depletion
- Operating losses of $5.2M exceed gross profit, burning cash on core operations
- Unable to cover interest obligations with negative 13.0x interest coverage
- Zero revenue growth with deteriorating profitability (-13.7% net income decline YoY)
- Severe liquidity shortfall: current ratio 0.14x and ~$16K cash
- Structural unprofitability: 0.3% gross margin, large operating losses, negative FCF
- Financing/going-concern risk: negative interest coverage and potential dilution
Key Metrics to Watch
- Daily cash burn rate and runway until insolvency
- Whether operating cash flow can turn positive to halt cash depletion
- Gross margin (%)
- Operating cash flow (TTM)
Olb Group, Inc.. (OLB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
OLB Profit Margin, ROE & Profitability Analysis
OLB vs Services Sector: How Olb Group, Inc.. Compares
How Olb Group, Inc.. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Olb Group, Inc.. Stock Overvalued? OLB Valuation Analysis 2026
Based on fundamental analysis, Olb Group, Inc.. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Olb Group, Inc.. Balance Sheet: OLB Debt, Cash & Liquidity
OLB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Olb Group, Inc..'s revenue has grown significantly by 4,123% over the 5-year period, indicating strong business expansion. The most recent EPS of $-6.10 indicates the company is currently unprofitable.
OLB Revenue Growth, EPS Growth & YoY Performance
OLB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $2.3M | N/A | $-0.13 |
| Q2 2025 | $2.3M | N/A | $-0.66 |
| Q1 2025 | $2.3M | -$1.1M | $-0.14 |
| Q3 2024 | $3.1M | -$1.6M | $-0.92 |
| Q2 2024 | $3.5M | -$587.8K | $-0.41 |
| Q1 2024 | $3.5M | -$2.4M | $-0.14 |
| Q2 2023 | $137.5K | -$587.8K | $-0.04 |
| Q1 2023 | $166.7K | -$1.5M | $-0.11 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Olb Group, Inc.. Dividends, Buybacks & Capital Allocation
OLB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Olb Group, Inc.. (CIK: 0001314196)
📋 Recent SEC Filings
❓ Frequently Asked Questions about OLB
What is the AI rating for OLB?
Olb Group, Inc.. (OLB) has a Combined AI Rating of STRONG SELL from Claude (STRONG SELL) and ChatGPT (STRONG SELL) with 90% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are OLB's key strengths?
Claude: Moderate leverage with 0.09x debt-to-equity ratio limits near-term default risk. Company maintains positive stockholders equity of $4.6M above negative tangible net worth territory. ChatGPT: Low leverage with modest long-term debt (Debt/Equity 0.09x). Positive shareholders’ equity (assets exceed liabilities).
What are the risks of investing in OLB?
Claude: Critical liquidity crisis: 0.14x current ratio with only $15.8K cash cannot support liabilities. Gross margin collapse at 0.3% indicates fundamental business model failure. ChatGPT: Severe liquidity shortfall: current ratio 0.14x and ~$16K cash. Structural unprofitability: 0.3% gross margin, large operating losses, negative FCF.
What is OLB's revenue and growth?
Olb Group, Inc.. reported revenue of $8.7M.
Does OLB pay dividends?
Olb Group, Inc.. pays dividends, with $0.9M distributed to shareholders in the trailing twelve months.
Where can I find OLB SEC filings?
Official SEC filings for Olb Group, Inc.. (CIK: 0001314196) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OLB's EPS?
Olb Group, Inc.. has a diluted EPS of $-1.74.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is OLB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Olb Group, Inc.. has a STRONG SELL rating with 90% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is OLB stock overvalued or undervalued?
Valuation metrics for OLB: ROE of -145.0% (sector avg: 16%), net margin of -77.0% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy OLB stock in 2026?
Our dual AI analysis gives Olb Group, Inc.. a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is OLB's free cash flow?
Olb Group, Inc..'s operating cash flow is $-1.3M, with capital expenditures of $1.2M. FCF margin is -29.5%.
How does OLB compare to other Services stocks?
Vs Services sector averages: Net margin -77.0% (avg: 10%), ROE -145.0% (avg: 16%), current ratio 0.14 (avg: 1.5).