The OLB Group Inc. Common Stock (OLB)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach OLB Group as a Graham-style balance-sheet exercise, but the income statement quickly kills the romance. The company provides payment processing and bitcoin mining with only 13 employees, and in fiscal 2025, the year ended 2025-12-31, revenue was $8.7 million with net income of -$5.9 million and diluted EPS of -$1.74. That follows fiscal 2024, the year ended 2024-12-31, revenue of $12.8 million and a net loss of $11.2 million, diluted EPS of -$6.10, and fiscal 2023, the year ended 2023-12-31, revenue of $30.6 million and a net loss of $23.2 million, diluted EPS of -$15.33. The trend is not a moat; it is a shrinking business. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $1.3 million and net income was -$1.1 million, with diluted EPS of -$0.08, so losses persist. The FairStock score is 56/100, but the Piotroski F-Score is 0/9 and Altman Z-Score is -7.17, which signal financial weakness. Free cash flow is -$2.6 million trailing, a -20.8% FCF yield, and ROE is -70.79%. The low debt-to-equity of 0.05 is a small comfort. On valuation, the $0.51 close on 2026-10-13 gives a P/B of 1.13 and a Graham Number of $4.23, an 87.94% margin of safety, but that Graham math assumes earnings power that filed results do not show. The stated P/E of 0.29 and EPS of $1.77 conflict with the reported losses and negative diluted EPS. The Lynch category is none because the company lost money in each of the last four years. An investor would need evidence of durable profits before calling this cheap rather than a value trap.

In plain English: OLB Group is a small technology company that helps merchants process payments and also runs bitcoin mining. The business has been losing money and revenue has been falling, so it looks weak. The stock price is very low compared with some financial measures, but those measures may not reflect the losses.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer