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OLB Group Inc (OLB) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of OLB Group Inc $0.02, price $0.19, upside -91.0%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Technology · US · ISIN US67086U4067

OG OLB Group Inc logo Thin data Oct 3, 2026

OLB Group Inc

OLB · US

Weakest SetupStrongly overvalued and low quality.

Low debt
Fair value $0.0170 · Strongly overvalued (−91.0%)
Quality 31/100
Weak Growth (revenue 5y −2.3 %/yr in USD)
Loss-making · -68.2% net margin (TTM)
Negative free cash flow
Trails peers (3/11)
Narrow moat 3/100
Thin data
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$86.00 $0.1890 Fair Value $0.0170 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range $0.1890 – $86.00 · fair‑value band $0.0085 – $0.0170 · the $0.1890 price screens above the $0.0170 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.

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Company profile

The OLB Group, Inc. provides integrated financial and transaction processing services for small and mid-sized merchants in the United States. It operates through two segments: Fintech Services and Bitcoin Mining Business segments.

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The OLB Group, Inc. provides integrated financial and transaction processing services for small and mid-sized merchants in the United States. It operates through two segments: Fintech Services and Bitcoin Mining Business segments. The company operates CrowdPay, a crowdfunding platform used to facilitate capital raise of various types of securities; and OmniSoft, cloud based business management platform that provides turnkey solutions for merchants to enable them to build and manage their retail businesses. It also operates eVance, which provides payment processing solutions to merchants, which enables merchants to process credit and debit card based internet payments for sales of their products; and SecurePay, a payment gateway and virtual terminal with proprietary business management tools. Further, it is involved in the cryptocurrency mining activities; cryptocurrency related services; and provision of ecommerce development and consulting services. The OLB Group, Inc. was founded in 1993 and is headquartered in New York, New York.

Stock analysis

OLB Group Inc (OLB) currently trades at $0.1890, while our model-based Fair Value estimate is $0.0170, 91.0% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $0.1300 per share, and 0 of the 3 models we run sit above the $0.1890 price.

Bear case: the Dividend Discount group reads lowest at $0.0200, and 3 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.0085 (bear) to $0.0170 (bull), the price of $0.1890 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 31/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

OLB Group Inc reported revenue of $8.7M in FY2025 versus $16.7M in FY2021, a compound −15.1%/yr. Reported net income was −$5.9M in FY2025.

Key figures

Market cap $4.5M · P/E ratio 0.1 · P/S ratio 0.65 · EPS (TTM) $1.71 · Dividend yield 0.7% · Net margin −67.7% · Return on equity −70.8% · Return on assets (EBIT) −56.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (low confidence).

What moves the price

The share trades about 87% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at −91%, OLB screens richer than that median.

Fair Value models

Bear $0.0085 Fair Value $0.0170 Bull $0.0170
Price $0.1890 · Upside -91.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.30 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
DDM Multi-Stage $0.0100 $0.0200 $0.0200 65
Gordon GGM $0.0100 $0.0200 $0.0300 64
NCAV (Graham) $0.1000 $0.1300 $0.1900 54
All 3 models by family
Dividend Discount
Gordon GGM $0.0100 $0.0200 $0.0300 64
DDM Multi-Stage $0.0100 $0.0200 $0.0200 65
Asset-Based
NCAV (Graham) $0.1000 $0.1300 $0.1900 54

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Quality Score breakdown

Overall quality 31/100

Of which business quality 31 · Market factors (momentum, volatility) 0

Profitability 10
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 25
Earnings quality: real cash, not paper profit
Fin. Strength 37
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−32.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−34.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.3%
Start year 2020 (pandemic). Over 10 years: +62.8% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.4%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−7.5% (2020) → −59.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

OLB screens overvalued: fair value 91% below the price. Compare with Microsoft Corporation →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 350 stocks

Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 31 · Bottom 25%
Fair Value upside −91.0% · Bottom 25%
Profitability
Return on assets −24.5% · Bottom 25%
Net margin (TTM) −68.2% · Bottom 25%
Operating margin (TTM) −98.5% · Bottom 25%
Growth and dividend
Revenue growth −43.6% · Bottom 25%
Dividend yield (TTM) 0.7% · Below median
Balance sheet
Debt / equity 0.03× · Below median

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/E (TTM) 0.1× · Cheapest 25%
P/B 0.99× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (TTM) 0.65× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 24
FUTURE (revenue growth)0 · sector 57
PAST (return on equity)0 · sector 23
HEALTH (low debt)98 · sector 98
DIVIDEND (yield)13 · sector 28

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Microsoft Corporation MSFT $512.90 $564.19 +10%
Palantir Technologies Inc PLTR $187.05 $42.16 −77%
Oracle Corporation ORCL $137.30 $112.26 −18%
CrowdStrike Holdings CRWD $264.75 $37.31 −86%
Fortinet, Inc FTNT $180.95 $164.68 −9%
Synopsys, Inc SNPS $434.94 $249.20 −43%
CoreWeave, Inc CRWV $87.12 $58.32 −33%
Block, Inc XYZ $74.04 $76.95 +4%
NetApp, Inc NTAP $204.41 $157.26 −23%
Okta, Inc OKTA $211.49 $142.12 −33%

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OLB Group Inc · Fair Value
$0.0170 −91%Fair Value
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Cite: Fair Value Calculator (2026). "OLB Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/OLB

Frequently asked questions

Is OLB Group Inc (OLB) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $0.0170 versus a price of $0.1890, about −91% upside (overvalued).
What is the fair value of OLB?
Our model-based fair value for OLB Group Inc is $0.0170 (as of Oct 3, 2026), built from audited fundamentals. The current price: $0.1890.
What is the quality score of OLB?
OLB Group Inc has a Quality Score of 31/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OLB Group Inc (OLB)?
Our model-based price target is the fair value of $0.0170 (as of Oct 3, 2026) from 3 valuation models. Cautious scenario $0.0085, optimistic scenario $0.0170. It is a calculation from audited fundamentals, not an analyst target.
What is the OLB Group Inc stock forecast for 2026?
Our models put fair value at $0.0170, about −91% upside versus a price of $0.1890 (overvalued). Cautious scenario $0.0085, optimistic scenario $0.0170. The calculation is refreshed regularly with new filings.
What is the revenue of OLB Group Inc (OLB)?
OLB Group Inc reported trailing-twelve-month revenue of about $7.0M (latest available figure, as of Oct 3, 2026).
Does OLB Group Inc pay a dividend?
OLB Group Inc currently shows a dividend yield of about 0.67% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of OLB Group Inc (OLB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OLB Group Inc it is $0.0170 per share (as of Oct 3, 2026), against a price of $0.1890. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is OLB Group Inc stock overvalued or undervalued in 2026?
As of Oct 3, 2026, OLB trades above its calculated fair value: price $0.1890, fair value $0.0170, a gap of about −91% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OLB?
No. The price is what the market pays today ($0.1890); the fair value is what the company's own numbers justify ($0.0170). For OLB Group Inc the two are $0.1720 per share apart. That gap is exactly why we show both numbers side by side.
How much is OLB Group Inc worth?
The market values OLB Group Inc at about $4.5M (market capitalisation, as of Oct 3, 2026). Per share that is $0.1890; our models calculate a fair value of $0.0170 per share.
What do the bullish and bearish scenarios say about OLB?
Our models span a range for OLB Group Inc: cautious scenario $0.0085, base $0.0170, optimistic $0.0170 per share (as of Oct 3, 2026, price $0.1890). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OLB?
OLB Group Inc trades at a price-to-earnings ratio of 0.1 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.0170 is built from several models across several years. Other multiples: P/B 1.0, P/S 0.6.
How solid is the balance sheet of OLB Group Inc (OLB)?
Balance-sheet figures for OLB Group Inc (as of Oct 3, 2026): return on equity −70.8%, debt of 0.03 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is OLB from its 52-week high?
OLB Group Inc trades at $0.1890, about 87% below its 52-week high of $1.50 and at the low of $0.1890 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0170 is for.
Which stocks are comparable to OLB Group Inc?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OLB Group Inc stock attractive at the current price?
The data as of Oct 3, 2026: price $0.1890, calculated fair value $0.0170 (−91%), Quality Score 31/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OLB calculated?
We run OLB Group Inc through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0170, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.0 % above its aggregate fair value. OLB Group Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OLB Group Inc (OLB)?
The closing price on Oct 2, 2026 was $0.1890. Our model-based fair value is $0.0170, about −91% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OLB Group Inc right now?
The price sits above even our optimistic bull case ($0.0170). The favourable scenario is already priced in. Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.0085 to $0.0170) leaves room in how you read the outcome.

Key figures of OLB Group Inc

How large is the market capitalisation of OLB Group Inc (OLB)?
The market capitalisation of OLB Group Inc is $4.5M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OLB Group Inc (OLB)?
The price-to-sales ratio of OLB Group Inc is 0.65 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of OLB Group Inc (OLB)?
Earnings per share at OLB Group Inc are $1.71 (price ÷ EPS = P/E 0.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of OLB Group Inc (OLB)?
The dividend yield of OLB Group Inc is 0.7% (payout 0.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of OLB Group Inc (OLB)?
The net margin of OLB Group Inc is −67.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OLB Group Inc (OLB)?
The return on equity (ROE) of OLB Group Inc is −70.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OLB Group Inc (OLB)?
On an EBIT basis the return on assets of OLB Group Inc is −56.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of OLB Group Inc (OLB)?
The operating margin of OLB Group Inc is −98.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OLB Group Inc (OLB)?
Revenue at OLB Group Inc is growing −43.6% versus a year earlier (3y avg −34.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does OLB Group Inc (OLB) generate?
The free cash flow of OLB Group Inc is −$1.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does OLB Group Inc (OLB) carry?
The net debt of OLB Group Inc is $228K (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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