The OLB Group, Inc. (OLB) Balance Sheet
OLB balance sheet, 2025
December 31, 2025 · U.S. dollars$12.3M assets = $7.7M liabilities + $4.6M equity
Both columns are drawn to the same scale: what OLB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
OLB financial health
Descriptive bands, not a rating. Fiscal 2025.
OLB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $6,1252016 | $12.3M2025 | +132.8%/yr | |
| Total liabilities | $329,5702016 | $7.7M2025 | +41.9%/yr | |
| Shareholders’ equity | −$323,4452016 | $4.6M2025 | — | |
| Cash & short-term investments | $1,1602016 | $15,7772025 | +33.6%/yr | |
| Total debt | $163,0002016 | $243,7032025 | +4.6%/yr | |
| Net cash (debt) | −$161,8402016 | −$227,9262025 | −$66,086 | |
| Working capital | −$328,4102016 | −$6.6M2025 | −$6.3M | |
| Current ratio | 0.002016 | 0.142025 | +0.13 | |
| Debt / equity | 1.422020 | 0.052025 | −1.37 |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
OLB assets
OLB liabilities and equity
OLB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
OLB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $15,777 | $27,436 | $452,668 | $684,026 | $3.5M | $3.8M | $507,616 | $111,586 | $580 | $1,160 |
| Cash & equivalents | $15,777 | $27,436 | $179,006 | $434,026 | $3.5M | $3.8M | $507,616 | $111,586 | $580 | $1,160 |
| Short-term investments | — | $0 | $273,662 | $250,000 | — | — | — | — | — | — |
| Receivables | $846,645 | $700,196 | $870,889 | $1.1M | $670,822 | $355,994 | $479,404 | $406,110 | $921,344 | $0 |
| Inventory | $0 | $0 | $1 | $582,125 | $15,064 | $15,754 | $16,706 | $21,135 | $1 | $0 |
| Other current assets | $188,210 | $18,075 | $497,015 | $1.0M | $729,351 | $8,768 | $108,278 | $8,278 | $0 | $0 |
| Total current assets | $1.1M | $745,707 | $1.8M | $3.4M | $4.9M | $4.2M | $1.1M | $547,109 | $580 | $1,160 |
| Property, plant & equipment (net) | $2.7M | $3.4M | $5.9M | $7.6M | $9.4M | $289,315 | $36,653 | $65,945 | $118,240 | $0 |
| Goodwill & intangible assets | $8.1M | $8.1M | $11.6M | $27.2M | $30.8M | $9.5M | $10.2M | $11.0M | $4,965 | $4,965 |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $380,952 | $395,952 | $395,952 | $502,917 | $451,885 | $384,148 | $526,817 | $379,908 | $0 | $0 |
| Total assets | $12.3M | $12.7M | $19.7M | $38.7M | $45.5M | $14.4M | $11.9M | $12.0M | $5,545 | $6,125 |
| Liabilities | ||||||||||
| Accounts payable | $4.5M | $4.2M | $3.5M | $513,266 | $501,762 | $359,968 | $592,853 | $467,526 | $89,640 | $41,934 |
| Short-term debt | $243,703 | $281,180 | $258,819 | $432,371 | $133,180 | $535,598 | $711,467 | $25,000 | $3,481 | $163,000 |
| Deferred revenue | — | — | $418,606 | — | $416,182 | — | $99,594 | −$25,000 | −$3,481 | −$163,000 |
| Total current liabilities | $7.7M | $9.4M | $7.2M | $3.6M | $3.9M | $999,200 | $2.5M | $1.2M | $93,121 | $329,570 |
| Long-term debt | $0 | $0 | $149,039 | $259,376 | $0 | $7.4M | $12.2M | $12.5M | $0 | $0 |
| Lease obligations | $0 | $140,360 | $0 | $272,757 | $406,346 | $270,643 | — | — | — | — |
| Other long-term liabilities | $0 | $93,869 | $0 | $138,438 | $273,166 | $185,045 | $0 | $0 | $0 | $0 |
| Total liabilities | $7.7M | $9.5M | $7.4M | $4.0M | $4.1M | $8.6M | $14.7M | $13.7M | $93,121 | $329,570 |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $944 | $228 | $1,521 | $1,508 | $1,197 | $617 | $541 | $16,237 | $1,984 | $1,348 |
| Retained earnings (deficit) | −$74.4M | −$67.8M | −$56.6M | −$33.4M | −$25.6M | −$20.6M | −$18.9M | −$17.5M | −$15.7M | −$15.3M |
| Accumulated other comprehensive income | $0 | — | $0 | −$1 | $0 | $0 | −$69,947 | −$40,655 | — | $0 |
| Minority interest | $0 | $0 | $119,224 | $0 | — | — | — | — | — | — |
| Total shareholders' equity | $4.6M | $3.2M | $12.2M | $34.6M | $41.4M | $5.8M | −$2.8M | −$1.7M | −$87,576 | −$323,445 |
| Key figures | ||||||||||
| Total debt | $243,703 | $375,049 | $407,858 | $830,186 | $406,346 | $8.2M | $12.9M | $12.5M | $3,481 | $163,000 |
| Net cash (debt) | −$227,926 | −$347,613 | $44,810 | −$146,160 | $3.1M | −$4.3M | −$12.4M | −$12.4M | −$2,901 | −$161,840 |
| Working capital | −$6.6M | −$8.7M | −$5.4M | −$229,956 | $1.0M | $3.2M | −$1.4M | −$674,203 | −$92,541 | −$328,410 |
| Tangible book value | −$3.5M | −$5.0M | $585,513 | $7.5M | $10.6M | −$3.7M | −$13.0M | −$12.7M | −$92,541 | −$328,410 |
| Current ratio | 0.14 | 0.08 | 0.25 | 0.94 | 1.26 | 4.21 | 0.45 | 0.45 | 0.01 | 0.00 |
| Quick ratio | 0.11 | 0.08 | 0.18 | 0.49 | 1.07 | 4.18 | 0.40 | 0.42 | 9.90 | 0.00 |
| Debt / equity | 0.05 | 0.12 | 0.03 | 0.02 | 0.01 | 1.42 | — | — | — | — |
| Equity / assets | 37.5% | 25.2% | 62.0% | 89.6% | 90.9% | 40.0% | −23.6% | −14.4% | −1,579.4% | −5,280.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $1.3M | $2.3M | $15,777 | $3,540 | $2,662 | $29,340 | $27,436 | $41,288 | $53,265 | $551,712 | $452,668 | $87,783 |
| Cash & equivalents | $1.3M | $2.3M | $15,777 | $3,540 | $2,662 | $29,340 | $27,436 | $41,288 | $53,265 | $3,319 | $179,006 | $87,783 |
| Short-term investments | — | — | — | — | — | — | $0 | $0 | $0 | $548,393 | $273,662 | — |
| Receivables | $876,199 | $892,354 | $17,430 | $866,228 | $858,905 | $805,117 | $100,621 | $578,927 | $522,000 | $611,273 | $466,890 | $2.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1 | $1 | $0 | $833,817 |
| Other current assets | $541,836 | $514,680 | $1.0M | $20,466 | $14,039 | $7,179 | $617,650 | $23,137 | $14,270 | $150,199 | $901,015 | $350,797 |
| Total current assets | $2.7M | $3.7M | $1.1M | $890,234 | $875,606 | $841,636 | $745,707 | $643,352 | $589,536 | $1.3M | $1.8M | $3.6M |
| Property, plant & equipment (net) | $2.7M | $2.7M | $2.7M | $2.8M | $3.0M | $3.1M | $3.4M | $3.6M | $4.3M | $8.4M | $5.9M | $9.5M |
| Goodwill & intangible assets | $8.1M | $8.1M | $8.1M | $8.1M | $8.1M | $8.1M | $8.1M | $11.2M | $11.3M | $8.1M | $11.6M | $22.5M |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $380,952 | $380,952 | $380,952 | $380,953 | $380,952 | $383,457 | $395,952 | $395,952 | $395,952 | $395,951 | $395,952 | $400,917 |
| Total assets | $13.9M | $15.0M | $12.3M | $12.2M | $12.4M | $12.5M | $12.7M | $15.9M | $16.6M | $18.3M | $19.7M | $35.9M |
| Liabilities | ||||||||||||
| Accounts payable | $3.4M | $3.7M | $4.5M | $4.0M | $3.8M | $4.5M | $4.2M | $4.4M | $4.2M | $3.7M | $3.5M | $2.5M |
| Short-term debt | $209,703 | $209,703 | — | $71,959 | $72,193 | $271,013 | — | $283,349 | $308,051 | $462,216 | — | $315,480 |
| Deferred revenue | — | — | — | — | — | — | — | — | $480,887 | $418,606 | — | $17,710 |
| Total current liabilities | $6.8M | $6.9M | $7.7M | $6.9M | $5.9M | $10.1M | $9.4M | $8.1M | $8.3M | $7.1M | $7.2M | $5.9M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.1M | $0 | $0 | $149,039 | $35,836 |
| Lease obligations | — | — | $0 | $107,997 | $119,483 | $140,360 | $140,360 | — | — | — | $0 | $17,427 |
| Other long-term liabilities | $0 | $0 | $0 | $63,057 | $73,741 | $93,869 | $93,869 | $0 | $0 | $149,039 | $0 | $0 |
| Total liabilities | $6.8M | $6.9M | $7.7M | $7.0M | $6.0M | $10.2M | $9.5M | $9.2M | $8.3M | $7.1M | $7.4M | $5.9M |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $1,576 | $1,250 | — | $877 | $837 | $237 | — | $181 | $180 | $180 | — | $1,521 |
| Retained earnings (deficit) | −$76.6M | −$75.5M | −$74.4M | −$73.0M | −$71.8M | −$68.9M | −$67.8M | −$63.3M | −$61.6M | −$58.9M | −$56.6M | −$38.4M |
| Accumulated other comprehensive income | — | $0 | — | $0 | $748,000 | — | — | — | −$10 | −$1,521 | — | −$10 |
| Minority interest | — | — | $0 | — | — | — | — | — | — | — | — | — |
| Total shareholders' equity | $7.1M | $8.1M | $4.6M | $5.3M | $6.4M | $2.3M | $3.2M | $6.7M | $8.3M | $11.0M | $12.2M | $29.9M |
| Key figures | ||||||||||||
| Total debt | $209,703 | $209,703 | — | $135,016 | $145,934 | $364,882 | — | $1.4M | $308,051 | $462,216 | $149,039 | $351,316 |
| Net cash (debt) | $1.1M | $2.1M | — | −$131,476 | −$143,272 | −$335,542 | — | −$1.3M | −$254,786 | $89,496 | $303,629 | −$263,533 |
| Working capital | −$4.1M | −$3.1M | −$6.6M | −$6.0M | −$5.0M | −$9.3M | −$8.7M | −$7.5M | −$7.7M | −$5.8M | −$5.4M | −$2.3M |
| Tangible book value | −$997,718 | −$39,398 | −$3.5M | −$2.9M | −$1.7M | −$5.9M | −$5.0M | −$4.5M | −$3.1M | $2.9M | $585,513 | $7.4M |
| Book value per share | $0.51 | $0.63 | $0.49 | — | — | — | — | — | — | — | — | — |
| Shares outstanding | 14.0M | 12.9M | 9.4M | — | — | — | — | — | — | — | — | — |
| Current ratio | 0.40 | 0.54 | 0.14 | 0.13 | 0.15 | 0.08 | 0.08 | 0.08 | 0.07 | 0.18 | 0.25 | 0.61 |
| Quick ratio | 0.32 | 0.47 | 0.00 | 0.13 | 0.15 | 0.08 | 0.01 | 0.08 | 0.07 | 0.16 | 0.13 | 0.41 |
| Debt / equity | 0.03 | 0.03 | — | 0.03 | 0.02 | 0.16 | — | 0.21 | 0.04 | 0.04 | 0.01 | 0.01 |
| Equity / assets | 51.2% | 54.1% | 37.5% | 42.9% | 51.7% | 18.3% | 25.2% | 42.1% | 49.9% | 60.4% | 62.0% | 83.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed April 1, 2026); data from EODHD.
OLB financial position
At the end of fiscal 2025 (December 31, 2025), OLB had total assets of $12.3 million (down 3.0% from a year earlier), total liabilities of $7.7 million and shareholders' equity of $4.6 million. It held $0.0 million in cash and short-term investments against $0.2 million of debt, net debt of $0.2 million. Its current ratio was 0.14. In the latest quarter (ended June 30, 2026) total assets were $13.9 million and equity $7.1 million.
Related: OLB income statement, OLB cash flow statement, OLB key metrics. See the OLB stock overview for the latest quote and news.
OLB balance sheet FAQ
What are OLB's total assets?
OLB reported total assets of $12.3 million at the end of fiscal 2025 (December 31, 2025), compared with $12.7 million a year earlier.
How much debt does OLB have?
OLB had $0.2 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.05.
How much cash does OLB have?
OLB held $0.0 million in cash and short-term investments at the end of fiscal 2025; with $0.2 million of debt that is net debt of $0.2 million.
What is OLB's book value?
OLB's shareholders' equity (book value) was $4.6 million at the end of fiscal 2025.
What is OLB's current ratio?
OLB had current assets of $1.1 million and current liabilities of $7.7 million, a current ratio of 0.14 (current liabilities exceed current assets).
How much goodwill does OLB have?
OLB carried $8.1 million of goodwill and intangible assets, 66.2% of total assets, at the end of fiscal 2025.