OLB Nasdaq Services-Business Services, Nec Financials FY2016βFY2025
Olb Group, Inc. had $8.7M of revenue in fiscal 2025, down 32.4% on the year before. Over five years, revenue changed β2.3% a year on average.
Last close Β· Oct 23, 2026
$0.29
7.5%Hi! I read Olb Group, Inc.βs latest annual report (fiscal 2025). Here is what stands out:
Good So-so Weak
Are sales growing?
β32.4%
No. Sales fell 32.4% last year.
Does it make a profit?
β67.7%
No. It lost money last year.
How healthy are the accounts?
3 / 7
Weak. It passes 3 of 7 health tests.
How is the share priced?
β
No P/E: it made no profit over the last four quarters.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Is it selling more, and how much does it keep?
KIRA Β· Olb Group, Inc. had $8.7M of revenue in fiscal 2025, down 32.4% on the year before. Over five years, revenue changed β2.3% a year on average. Its operating margin was β59.5%, up 31.4Β pts: of every 100 in sales, about β60 is left after running the business.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
Revenue
Margins, % of revenue
Margins, % of revenue
KIRA Β· Olb Group, Inc. lost $5.9M in fiscal 2025.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
Net income
Diluted EPS
Diluted EPS
How much cash comes in, and where does it go?
Cash from operations minus capital spending.
In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.
Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations vs capital spending
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
Diluted shares outstanding (annual)
KIRA Β· No open-market insider trades in the last 12 months.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
β
$0.0M
No open-market insider trades in the last 12 months.
Can it carry its debts, and how well does it use its money?
Cash, debt and the ratios that show how comfortably Olb Group, Inc. can carry it.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Cash vs debt (incl. leases)
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Cash and short-term investments | $3.5M | $0.4M | $0.2M | $0.0M | $0.0M |
| Debt incl. finance leases | β | $0.4M | β | β | β |
| Debt / equity | β | 0.0x | β | β | β |
| Interest coverage | β40.8x | β | β158.1x | β254.4x | β13.0x |
| Current ratio | 1.3x | 0.9x | 0.3x | 0.1x | 0.1x |
| Quick ratio | 1.3x | 0.9x | 0.3x | 0.1x | 0.1x |
| Total assets | $45.5M | $38.7M | $19.7M | $12.7M | $12.3M |
| Total liabilities | $4.1M | $4.0M | $7.4M | $9.5M | $7.7M |
| Shareholders' equity | $42.2M | $34.6M | $12.2M | $3.2M | $4.6M |
| Net debt (β = net cash) | β | β$0.0M | β | β | β |
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.
Return on capital, equity and assets (annual)
KIRA Β· Olb Group, Inc. passes 3 of 7 financial health tests (Piotroski F-score).
Nine pass/fail tests of profitability, funding and efficiency. 8β9 is strong, 0β2 weak.
In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.
| Test | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income is positive | β | β | β | β | β | β | β | β | β | β |
| Cash from operations is positive | β | β | β | β | β | β | β | β | β | β |
| Return on assets rose | β | β | β | β | β | β | β | β | β | β |
| Cash from operations exceeds net income | β | β | β | β | β | β | β | β | β | β |
| Debt fell relative to assets | β | β | β | β | β | β | β | β | β | β |
| Current ratio rose | β | β | β | β | β | β | β | β | β | β |
| Share count didn't rise | β | β | β | β | β | β | β | β | β | β |
| Gross margin rose | β | β | β | β | β | β | β | β | β | β |
| Revenue rose relative to assets | β | β | β | β | β | β | β | β | β | β |
| F-score | β / 3 | β / 6 | β / 6 | β / 6 | β / 6 | β / 6 | 2 / 7 | 4 / 7 | 2 / 7 | 3 / 7 |
| Accruals ratio | β2,431.1% | β3,123.9% | β21.0% | β13.3% | β11.0% | β4.9% | β13.9% | β86.4% | β53.2% | β36.4% |
| Altman Z'' | β8,855.43 | β1,838.25 | β4.96 | β6.29 | β2.89 | 8.29 | 4.78 | β17.41 | β27.74 | β25.47 |
Every number, year by year.
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $0.1M | $0.2M | $9.0M | $10.3M | $9.8M | $16.7M | $30.4M | $30.6M | $12.8M | $8.7M |
| Gross profit | $0.1M | β | β | β | β | β | β | β | β | β |
| Operating income | β$0.3M | β$0.6M | $0.5M | β$0.3M | β$0.7M | β$4.8M | β$8.2M | β$23.5M | β$11.7M | β$5.2M |
| Interest expense | $0.0M | $0.0M | $0.8M | $0.0M | $0.0M | $0.1M | β | $0.1M | $0.0M | $0.4M |
| Pretax income | β$0.3M | β$0.4M | β | β | β | β | β$7.8M | β$23.3M | β$11.2M | β$5.9M |
| Net income | β$0.3M | β$0.7M | β$1.4M | β$1.3M | β$1.8M | β$5.0M | β$7.8M | β$23.2M | β$11.2M | β$5.9M |
| Net income to common | β | β | β | β | β | β$5.5M | β$8.2M | β$23.3M | β$11.3M | β$6.7M |
| Diluted EPS | β | β | β | β | β | β | β$0.56 | β$15.33 | β$6.10 | β$1.74 |
| Diluted shares | β | β | β | β | β | 0.01B | 0.01B | 0.00B | 0.00B | 0.00B |
| Cash flow | ||||||||||
| Cash from operations | β$0.2M | β$0.1M | β$0.1M | $0.2M | β$0.3M | β$3.5M | β$1.9M | $2.0M | β$2.6M | β$1.3M |
| Capital expenditure | β | β | β | β | β | $9.6M | $1.6M | $1.2M | β | β |
| Free cash flow | β | β | β | β | β | β$13.1M | β$3.5M | $0.8M | β | β |
| Depreciation and amortization | β | β | $0.6M | $0.8M | $0.9M | $1.9M | $6.9M | $6.7M | $3.1M | $0.5M |
| Stock-based compensation | β | $0.0M | $0.2M | $0.3M | $0.3M | $0.3M | $0.6M | $0.7M | $0.4M | $0.1M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $0.0M | $0.0M | $0.1M | $0.5M | $3.8M | $3.5M | $0.4M | $0.2M | $0.0M | $0.0M |
| Total debt | β | β | β | β | β | β | $0.4M | β | β | β |
| Deposits | β | β | β | β | β | β | β | $0.0M | β | β |
| Current assets | $0.0M | $0.0M | $0.5M | $1.1M | $4.2M | $4.9M | $3.4M | $1.8M | $0.7M | $1.1M |
| Current liabilities | $0.3M | $0.6M | $1.2M | $2.5M | $1.0M | $3.9M | $3.6M | $7.2M | $9.4M | $7.7M |
| Property and equipment, net | β | β | $0.1M | $0.0M | $0.0M | $9.0M | $7.3M | $5.9M | $3.3M | $2.7M |
| Goodwill | β | β | $6.9M | $6.9M | $6.9M | $6.9M | $6.9M | $8.1M | $8.1M | $8.1M |
| Intangible assets | β | β | $2.2M | $2.0M | $1.5M | $1.0M | $0.5M | $3.5M | $0.0M | $2.7M |
| Total assets | $0.0M | $0.0M | $12.0M | $11.9M | $14.4M | $45.5M | $38.7M | $19.7M | $12.7M | $12.3M |
| Total liabilities | $0.3M | $0.6M | $13.7M | $14.7M | $8.6M | $4.1M | $4.0M | $7.4M | $9.5M | $7.7M |
| Preferred stock | β | β | β | β | β | β | β | β | β | $0.0M |
| Shareholders' equity | β$0.3M | β$0.5M | β$1.7M | β$2.8M | $5.5M | $42.2M | $34.6M | $12.2M | $3.2M | $4.6M |
| Margins | ||||||||||
| Gross margin | 74.8% | β | β | β | β | β | β | β | β | β |
| Operating margin | β365.7% | β345.3% | 5.9% | β2.6% | β7.5% | β28.5% | β26.9% | β76.8% | β90.9% | β59.5% |
| EBITDA margin | β | β | 12.4% | 5.6% | 1.3% | β17.2% | β4.3% | β54.8% | β66.4% | β53.7% |
| Net margin | β377.1% | β359.9% | β15.4% | β13.1% | β18.2% | β29.8% | β25.6% | β75.8% | β87.4% | β67.7% |
| FCF margin | β | β | β | β | β | β78.4% | β11.5% | 2.7% | β | β |
| Returns | ||||||||||
| Return on capital | β | β | β | β | β | β | β18.6% | β | β | β |
| Return on capital employed | 93.8% | 121.7% | 4.9% | β2.9% | β5.5% | β11.4% | β23.3% | β187.9% | β355.7% | β112.2% |
| Return on equity | β | β | β | β | β132.4% | β20.9% | β20.3% | β98.9% | β145.6% | β150.7% |
| Return on assets | β5,131.1% | β3,405.1% | β23.2% | β11.3% | β13.5% | β16.6% | β18.5% | β79.4% | β69.3% | β47.0% |
| Return on tangible equity | β | β | β | β | β | β16.1% | β30.0% | β3,980.3% | β | β |
| Growth | ||||||||||
| Revenue growth | β | 121.7% | 4,802.1% | 14.1% | β5.1% | 71.1% | 81.7% | 0.7% | β58.0% | β32.4% |
| Share count change | β | β | β | β | β | β | 85.4% | β89.6% | 22.4% | 106.5% |
| Financial health | ||||||||||
| Debt / equity | β | β | β | β | β | β | 0.0x | β | β | β |
| Interest coverage | β31.9x | β23.6x | 0.7x | β12.7x | β31.8x | β40.8x | β | β158.1x | β254.4x | β13.0x |
| Current ratio | 0.0x | 0.1x | 0.4x | 0.4x | 4.2x | 1.3x | 0.9x | 0.3x | 0.1x | 0.1x |
| Quick ratio | 0.0x | 0.1x | 0.4x | 0.4x | 4.2x | 1.3x | 0.9x | 0.3x | 0.1x | 0.1x |
| Capital allocation | ||||||||||
| Capex / revenue | β | β | β | β | β | 57.4% | 5.1% | 4.0% | β | β |
| Stock comp / revenue | β | 1.4% | 2.1% | 2.6% | 3.1% | 1.8% | 2.1% | 2.4% | 3.2% | 1.6% |
| Quality scores | ||||||||||
| Piotroski F-score | β | β | β | β | β | β | 2.0 | 4.0 | 2.0 | 3.0 |
| Altman Z'' | β8,855.4 | β1,838.3 | β5.0 | β6.3 | β2.9 | 8.3 | 4.8 | β17.4 | β27.7 | β25.5 |
| Accruals ratio | β2,431.1% | β3,123.9% | β21.0% | β13.3% | β11.0% | β4.9% | β13.9% | β86.4% | β53.2% | β36.4% |
Source: SEC EDGAR XBRL filings (CIK 0001314196). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β not investment advice. Check the original filings before relying on any figure.
