The OLB Group, Inc. (OLB) Cash Flow Statement
Where OLB’s cash came from and went, 2025
December 31, 2025 · U.S. dollars- Cash from operations
- −$1.3M
- Capital expenditures
- $0 0.0% of revenue
- Free cash flow
- −$1.3M −15.3% margin
- Returned to shareholders
- $30,630
- Change in cash
- −$11,659 cash at year-end $15,777
Cash from operations
−$1.3M
Dividends
−$30,630
Net borrowing (repayment)
−$43,569
Shares issued
+$887,786
Other financing
+$505,137
Change in cash
−$11,659
Drawn to scale: where the cash came from and how it was used. Hover for values.
OLB operating cash flow, capex and free cash flow
Operating cash flowCapital expendituresFree cash flowFCF margin (right axis)
OLB cash flow trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Operating cash flow | −$164,7152016 | −$1.3M2025 | — | |
| Capital expenditures | $02016 | $02025 | — | |
| Free cash flow | −$164,7152016 | −$1.3M2025 | — | |
| Free cash flow margin | −198.4%2016 | −15.3%2025 | +183.1 pts | |
| Stock-based compensation | $22,5012017 | $135,5002025 | +25.2%/yr | |
| Dividends paid | $124,2222023 | $30,6302025 | −50.3%/yr | |
| Share buybacks (net) | $02021 | $110,0002022 | — | |
| Capex / revenue | 0.0%2016 | 0.0%2025 | 0.0 pts |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
OLB cash flow by activity
OperatingInvestingFinancingChange in cash
OLB net income vs operating cash flow
Net incomeOperating cash flow
Operating cash flow above net income usually means earnings are backed by cash (depreciation and stock-based pay are non-cash expenses).
OLB cash flow statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating activities | ||||||||||
| Net income | −$5.9M | −$11.2M | −$23.3M | −$7.8M | −$5.0M | −$1.8M | −$1.3M | −$1.4M | −$398,738 | −$312,952 |
| Depreciation & amortization | $507,392 | $3.1M | $6.7M | $6.9M | $1.9M | $861,269 | $842,149 | $582,559 | $446,525 | $303,498 |
| Stock-based compensation | $135,500 | $406,500 | $727,758 | $624,683 | $296,042 | $298,381 | $265,050 | $185,963 | $22,501 | — |
| Change in working capital | $3.0M | $2.6M | $5.3M | −$1.1M | −$344,113 | $85,558 | $481,081 | $464,196 | $342,158 | $148,237 |
| Other non-cash items | $917,411 | $2.5M | $12.6M | −$561,180 | −$372,552 | $204,858 | $0 | $29,734 | −$466,526 | −$303,498 |
| Cash from operating activities | −$1.3M | −$2.6M | $2.0M | −$1.9M | −$3.5M | −$326,661 | $244,868 | −$131,092 | −$54,080 | −$164,715 |
| Investing activities | ||||||||||
| Capital expenditures | $0 | $0 | −$1.2M | −$1.6M | −$25.7M | −$150,000 | −$9.6M | −$6,274 | −$46,906 | $0 |
| Investments (net) | $0 | $332,893 | −$2.9M | −$1.6M | −$25.7M | −$150,000 | −$125,000 | $217,678 | $0 | $0 |
| Acquisitions & other investing | — | $0 | $2.0M | $1.6M | $25.7M | $150,000 | $9.6M | $6,274 | $200,000 | $153,094 |
| Cash from investing activities | — | $332,893 | −$2.1M | −$1.6M | −$25.7M | −$150,000 | −$150,000 | $217,678 | $153,094 | $153,094 |
| Financing activities | ||||||||||
| Dividends paid | −$30,630 | −$124,903 | −$124,222 | — | — | — | — | — | — | — |
| Share repurchases & issuance (net) | — | — | — | −$110,000 | $0 | — | — | — | — | — |
| Net borrowing (repayment) | −$43,569 | −$173,169 | −$234,507 | $557,429 | −$7.7M | −$1.6M | $361,467 | $25,000 | −$459,083 | $163,000 |
| Shares issued | $887,786 | $1.1M | $0 | $22.9M | $28.4M | $5.4M | $0 | $0 | $0 | $0 |
| Other financing | $505,137 | $1.3M | $136,900 | −$22.9M | $8.1M | −$43,540 | −$210,305 | $0 | $512,583 | $0 |
| Cash from financing activities | $1.3M | $2.1M | −$221,829 | $447,429 | $28.8M | $3.8M | $151,162 | $25,000 | $53,500 | $163,000 |
| Summary | ||||||||||
| Net change in cash | −$11,659 | −$151,570 | −$255,020 | −$3.0M | −$354,152 | $3.3M | $396,030 | −$113,641 | −$580 | −$1,715 |
| Cash at end of period | $15,777 | $27,436 | $179,006 | $434,026 | $3.5M | $3.8M | $507,616 | $111,586 | $580 | $1,160 |
| Free cash flow | −$1.3M | −$2.6M | $816,809 | −$3.5M | −$29.2M | −$476,661 | $244,868 | −$137,366 | −$100,986 | −$164,715 |
| Free cash flow margin | −15.3% | −20.3% | 2.7% | −11.5% | −174.6% | −4.9% | 2.4% | −1.5% | −195.9% | −198.4% |
| Capex / revenue | 0.0% | 0.0% | 4.0% | 5.1% | 153.6% | 1.5% | 93.2% | 0.1% | 91.0% | 0.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating activities | ||||||||||||
| Net income | −$1.1M | −$1.1M | −$1.5M | −$1.2M | −$2.1M | −$1.1M | −$4.5M | −$1.6M | −$2.6M | −$2.4M | −$18.2M | −$1.9M |
| Depreciation & amortization | $3,412 | $3,410 | $3,410 | $120,694 | $120,967 | $262,073 | $479,427 | $768,516 | $961,518 | $940,481 | $1.5M | $1.8M |
| Stock-based compensation | $0 | $33,876 | $33,875 | $33,875 | $33,874 | $33,875 | $33,876 | $33,874 | $33,876 | $304,874 | $566,153 | $28,817 |
| Change in working capital | $176,851 | −$201,749 | $932,034 | $880,830 | $533,716 | $636,785 | $49,486 | $451,206 | $867,094 | $1.2M | $3.9M | $158,187 |
| Other non-cash items | −$184,764 | −$96,162 | $477,138 | $24,116 | $415,984 | $423 | $3.0M | $0 | $0 | −$499,960 | $12.3M | $0 |
| Cash from operating activities | −$1.1M | −$1.3M | −$39,263 | −$115,505 | −$1.0M | −$155,842 | −$1.0M | −$376,662 | −$785,524 | −$424,700 | $81,945 | $112,728 |
| Investing activities | ||||||||||||
| Capital expenditures | −$3 | −$3 | $0 | −$5 | $0 | $0 | $0 | −$4 | −$4 | −$483 | −$483 | −$84,209 |
| Investments (net) | — | — | $0 | $0 | — | — | $0 | $0 | $332,893 | $0 | −$483 | −$84,209 |
| Acquisitions & other investing | — | — | — | — | — | — | — | $215,504 | $4 | $0 | — | $84,209 |
| Cash from investing activities | — | — | — | — | — | — | — | $215,500 | $332,893 | −$483 | — | −$84,209 |
| Financing activities | ||||||||||||
| Dividends paid | — | −$30,630 | — | −$30,630 | −$681 | −$31,311 | — | −$62,281 | — | −$31,311 | — | — |
| Net borrowing (repayment) | $45,000 | −$79,000 | −$4,731 | $0 | $38,881 | −$77,719 | −$17,925 | −$24,838 | — | — | — | — |
| Shares issued | $0 | $1.1M | $0 | $0 | $699,873 | $187,913 | $1.0M | $32,887 | $0 | $9,775 | $0 | $0 |
| Other financing | −$33,190 | $2.7M | $56,231 | $147,013 | $255,022 | $78,863 | −$30,735 | $418,917 | $502,577 | $270,549 | $9,761 | −$74,513 |
| Cash from financing activities | $11,810 | $3.7M | $51,500 | $116,383 | $993,095 | $157,746 | $999,568 | $364,685 | $502,577 | $249,013 | $9,761 | −$74,513 |
| Summary | ||||||||||||
| Net change in cash | −$1.0M | $2.3M | $12,237 | $878 | −$26,678 | $1,904 | −$13,852 | −$11,977 | $49,946 | −$175,687 | $91,223 | −$45,994 |
| Cash at end of period | $1.3M | $2.3M | $15,777 | $3,540 | $2,662 | $29,340 | $27,436 | $41,288 | $53,265 | $3,319 | $179,006 | $87,783 |
| Free cash flow | −$1.1M | −$1.3M | −$39,263 | −$115,500 | −$1.0M | −$155,842 | −$1.0M | −$376,662 | −$785,524 | −$424,700 | $81,462 | $28,519 |
| Free cash flow margin | −82.8% | −80.8% | −2.2% | −5.0% | −45.0% | −6.7% | −37.0% | −12.2% | −22.3% | −12.1% | 1.4% | 0.3% |
| Capex / revenue | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.9% |
Negative numbers are cash paid out. Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported; data from EODHD.
OLB cash generation
In fiscal 2025 (ended December 31, 2025), OLB generated -$1.3 million of cash from operations and spent $0 on capital expenditures, leaving free cash flow of -$1.3 million, −15.3% of revenue. It returned $0.0 million to shareholders through dividends ($0.0 million) and net share buybacks ($0). Cash and equivalents fell by $0.0 million over the year.
Related: OLB income statement, OLB balance sheet. See the OLB stock overview for the latest quote and news.
OLB cash flow FAQ
What is OLB's free cash flow?
OLB's free cash flow was -$1.3 million in fiscal 2025: -$1.3 million of operating cash flow minus $0 of capital expenditures It was -$2.6 million a year earlier..
How much cash does OLB generate from operations?
OLB generated -$1.3 million of cash from operating activities in fiscal 2025.
How much does OLB pay in dividends?
OLB paid $0.0 million in dividends in fiscal 2025.