Stock

The OLB Group

OLB

Software - Application · Technology

Price

$0.29

-0.04 (-11.94%)

pre-market:$0.28-6.34%

Market Cap

$4.3M

Exchange

NASDAQ Capital Market

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Data as of Sep 11, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality

Weak

Growth

Good

Cash Flow

Weak

Stability

Good

Valuation

Data not available

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Share count rising — dilution

+385.2% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 792K (2021) → 3.8M (2025)

§Winston Score History

The full picture

The OLB Group is a small technology company that provides payment processing and merchant services to businesses, mainly small and mid-sized companies in the United States. It helps merchants accept credit card and digital payments through its platforms, including its ShopFast omnichannel commerce tools. The company has also explored cryptocurrency mining and digital asset operations as additional business lines.

OLB makes money primarily by charging fees on payment transactions processed through its platform. It is a very small company with a market capitalization well under $100 million, operating in a highly competitive payments industry dominated by much larger players. The company currently runs at a significant loss, with negative operating margins, making its path to profitability and ability to secure adequate funding the central risks facing the business going forward.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-43.6% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+91.9% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (15%)

Research and development spending

Insider Activity

36.1%ownership

Insiders own a meaningful stake in the company

Cash Runway

~4 months

$1M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Cash watch

The OLB Group has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

-46.9%

Thin — -46.9% gross margin

Profit after running costs

Operating Margin

-98.5%

Losing money on operations — -98.5%

Return on the money invested

ROCE

-70.0%

Weak — -70.0% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales growth

Sales YoY

-32.5%

Shrinking sales (-32.5% YoY)

Profit growth

EPS YoY

N/A

—

Data not available

How steady the profit is

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

—

Data not available

Spare cash per sale

FCF Margin

-36.3%

Burning cash (-36.3%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

0.03

Conservative — low debt load (0.03)

Covers its interest

Interest Cover

N/A

Data not available

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

—

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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