The OLB Group, Inc. (OLB)

Nasdaq: OLB · Services-Business Services, NEC · New York, NY · filing with the SEC since 2006

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Grade3.0

◀ Past 5.1● Present 2.3▶ Future 2.2

2 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of The OLB Group, Inc.

Nine metrics read from its own filings, by tense

Headline grade

3.0/10

◀ Past5.125% of the headline

● Present2.335% of the headline

▶ Future2.240% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.1/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

1.1/10

Has it survived what it has been through?

27 warning events since 2017; the latest 2026-05-18.

weight 22% of this tense · 11th percentile among 105 sector filers · read for itself

From the record

The OLB Group, Inc.'s filings since 2017 show 27 warning events of 3 kinds: a notice about its exchange listing (8-K item 3.01, 7 times, the latest 2026-02-03); an auditor change (8-K item 4.01, 5 times, the latest 2024-07-19); a late-report notice (Form NT 10-K or NT 10-Q, 15 times, the latest 2026-05-18) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

3.7/10

What has it actually done, year after year?

+67.6% a year over 10 filed years; profitable in 0 of 8.

weight 45% of this tense · 37th percentile among 99 sector filers · read for its customers

From the record

The OLB Group, Inc.'s 10 filed years say what it did: revenue went from $83 thousand in fiscal 2016 to $9 million in fiscal 2025, up 67.6% a year; it rose in 6 of 9 years; the deepest fall was 72% from fiscal 2023 to fiscal 2025; net income was positive in 0 of 8 of those years (its annual reports).

What it rests on

revenue growth over the filed span67.6%top 4% of its family
the share of years revenue rosebottom 31% of its family
the share of filed years with a profitbottom 9% of its family
the deepest fall from a revenue peak71.6%bottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

9.8/10

How has it treated the people who own it?

SI estimate 9.8/10, confidence 35 of 100 (one part).

weight 33% of this tense · 98th percentile among 98 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the share count over the years, which ranks in the top 2% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: the share count over the years, the one part on file, ranked among 98 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: The OLB Group, Inc.'s shareholder treatment is put at 9.8 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the top 2% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

2.3/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

1.9/10

Is it financially healthy right now?

ROE -128%: lost 128¢ per shareholder dollar. Leverage 63%: owes 63¢ per asset dollar.

weight 33% of this tense · 19th percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, The OLB Group, Inc. lost about 128 cents for every dollar of shareholders' money. Leverage: it owed about 63 cents per dollar of assets, and net share issuance: its share count grew 106.5% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 44% of its family
return on equitybottom 6% of its family
the share count against the year beforebottom 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

1.0/10

How strong is its position in its industry?

bottom 10% of 101 in its family; net margin -67.7%.

weight 45% of this tense · 10th percentile among 101 sector filers · read for its customers

From the record

The OLB Group, Inc.'s standing among 101 graded names in its industry family: revenue of $9 million in fiscal 2025 ranks in the bottom 10% by size; a net margin of -67.7% ranks in the bottom 13%; revenue growth of -34.1% a year over the last 3 filed years ranks in the bottom 8% (its annual reports).

What it rests on

revenue against the family$8.7Mbottom 10% of its family
net margin-67.7%bottom 13% of its family
three-year revenue growth-34.1%bottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.3/10

What are the people in charge doing?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 73 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: No officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 73 members with one.
What the record cannot read: No officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned: family median, 73 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: The OLB Group, Inc.'s leadership is put at 5.3 of 10 with a confidence of 20 of 100, because no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 73 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

2.2/1040% of the headline grade · 3 of 3 filed

Room to expand

as filed

3.2/10

How much room does it have to grow?

bottom 32% of 99 in its family for room to expand.

weight 33% of this tense · 32nd percentile among 99 sector filers · read for itself

From the record

The OLB Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $16 thousand against no long-term debt tagged leaves 0.1% of its assets as net cash, bottom 46% of its family; cash from operations less capital spending is -15.3% of revenue (bottom 19%) (its annual report).

What it rests on

cash less debt against assets0.1%bottom 46% of its family
cash from operations less capital spending against revenue-15.3%bottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

0.3/10

What could actually drive growth from here?

bottom 3% of 99 in its family for growth drivers.

weight 45% of this tense · 3rd percentile among 99 sector filers · read for its customers

From the record

The OLB Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -34.1% a year over the last three filed years against 67.6% over all 10, slowing (bottom 2% of its family); the newest year grew -32.4% (bottom 4%); capital spending grew -64.3% a year (bottom 4%) (its annual reports). The OLB Group, Inc. reported 5 product lines in fiscal 2025: Transaction and Processing Fees at $8 million (92%), Other Revenue From Monthly Recurring Subscriptions at $302 thousand (4%), Revenue Net Bitcoin Mining at $210 thousand (2%), and 2 more; 0 of 5 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span-101.8 points a yearbottom 2% of its family
the newest year's revenue growth-32.4%bottom 4% of its family
three-year growth of capital spending-64.3%bottom 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

4.5/10

Did its newest year beat what its own record pointed to?

bottom 45% of 93 in its family for expectations against reality.

weight 22% of this tense · 45th percentile among 93 sector filers · read for its shareholders

From the record

The OLB Group, Inc.'s newest year against its own record: revenue of $9 million in fiscal 2025 came in 3.9% above the $8 million its prior three years' pace pointed to (top 33% of its family); net income of $6 million against a prior three-year average of $14 million (top 49%); a net margin of -67.7% against -63.1% before (bottom 17%) (its annual reports).

What it rests on

revenue against the prior three years' pace3.9%top 33% of its family
net income against the prior three years' average+58%top 49% of its family
net margin against its prior average-4.6 pointsbottom 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton OLB · research, not advice