OLBNasdaqServices-Business Services, NECUS GAAP · USD

The OLB Group, Inc

OLB Group, Inc. is a U.S.-based fintech and merchant services company organized around payment processing, merchant onboarding software, and related digital commerce tools. Through subsidiaries such as eVance, OmniSoft, CrowdPay, and Moola Cloud, it serves merchants across the United States with online payment, transaction, and integrated business solutions.

Revenue8.7m USD
−32.4 %y/y
Operating profit (EBIT)-5.2m USD
+55.8 %y/y
EBIT margin-59.5%
+31.4 ppy/y
Net income-5.9m USD
+47.7 %y/y

Fiscal year 2025 · change from previous year

Development 2020–2025

-40-2002040m USD2020: 9.8 m USD2020: EBIT -0.73 m USD20202021: 17 m USD2021: EBIT -4.8 m USD20212022: 30 m USD2022: EBIT -8.2 m USD20222023: 31 m USD2023: EBIT -23 m USD20232024: 13 m USD2024: EBIT -12 m USD20242025: 8.7 m USD2025: EBIT -5.2 m USD20258.7-5.2
RevenueOperating profit (EBIT)

Business

Share of revenue
Payment processing65 %

Card and transaction processing services for merchant accounts and direct accounts.

Software and gateway platforms15 %

OmniSoft, ShopFast, and SecurePay.com tools that connect merchants to payments.

Digital products and wallet services10 %

Reloads, mobile wallet access, and digital product distribution through Moola Cloud.

Cryptocurrency mining5 %

Bitcoin and cryptocurrency mining activities reported as a separate revenue source.

Merchant equipment and subscriptions5 %

Equipment rental/sales and recurring subscription revenue tied to merchant services.

Products

Reported · share of revenue
91.5%FY2025100 %
  • Transaction and Processing Fees91.5 %
  • Other Revenue From Monthly Recurring Subscriptions3.5 %
  • Revenue Net Bitcoin Mining2.4 %
  • Digital Product Revenue2.3 %
  • Merchant Equipment Rental and Sales0.3 %

Source: 10-K FY2025, revenue the company reports per product line (SEC XBRL). Shares are of the lines shown and add up to 100 %.

Customers

OLB Group sells primarily to U.S. merchants that need payment acceptance, onboarding, and integrated commerce tools. Its customer base includes direct merchant accounts, ISOs, and merchant networks, with additional focus on underbanked consumers through reloadable card and digital wallet services. The company also serves merchants that want bundled POS, payment, and digital product capabilities in one system.

Merchant processing clients

Businesses that use eVance for card acceptance, transaction processing, and gateway services.

ISO channel partners

Independent sales organizations that source merchants and receive residual reporting tools.

Omnicommerce merchants

Retail and service merchants using OmniSoft and ShopFast for integrated checkout and operations.

Moola Cloud merchant network

Merchants using reload, digital product, and wallet-linked services for consumer transactions.

Crowdfunding and capital-raising users

Users of CrowdPay tools for online fundraising and capital-raising workflows.

Strategy

The company’s strategy centers on combining payment processing, software, and merchant onboarding into a broader merchant-services platform. It is also building adjacent offerings in digital products, wallet-linked services, and crowdfunding while using its merchant network to cross-sell more than one product per customer. Management has also indicated a focus on payment processing and Bitcoin mining as resource priorities.

Broaden merchant product mixMedium term

Reduces dependence on a single processing stream and increases wallet share per merchant.

Grow merchant acquisition through ISO channelsShort term

ISO partners can scale merchant onboarding and expand transaction volume.

Monetize the Moola Cloud merchant networkMedium term

The acquired network provides a route to distribute payment and reload products.

Preserve optionality in regulated financial servicesLong term

Money transmission capabilities could broaden the product set if licensing and resources permit.

Geography

OLB Group’s business is concentrated in the United States, where it markets merchant services, software, and digital payment products. Its reported merchant accounts and merchant network are U.S.-based, and the company’s operating model depends on domestic payment rails, merchant acquiring relationships, and state-level regulatory compliance. It has also pursued money transmission licensing in all 50 states, underscoring the importance of U.S. regulatory geography to the business.

Risks

OLB Group faces execution risk from its dependence on merchant processing volumes, third-party vendors, and the ability to integrate acquired platforms into a coherent offering. The business is also exposed to regulatory and funding risk because payment, money transmission, and digital asset activities can require licenses, compliance controls, and ongoing capital support. As a smaller fintech operator, it is additionally vulnerable to merchant attrition, pricing pressure, and technology or counterparty disruptions.

Sorted by severity
LowMediumHighLowMediumHighImpact →Likelihood →Dependence on payment processing revenue2Vendor and partner concentration/disruption3Regulatory and licensing risk4Technology integration and product execution risk5
Impact is the risk’s severity and likelihood how probable it is over the next few years, both assessed from the company’s reports. Numbers match the list.
  1. Going-concern and financing riskImpact: Critical

    The company may need additional capital to fund planned expenditures and continue operations.

    Exposure: Corporate liquidity and working capital

  2. Dependence on payment processing revenueImpact: HighLikelihood: Low

    Most revenue has historically come from eVance transaction and processing fees, so volume declines flow directly to revenue.

    Exposure: eVance merchant processing

  3. Vendor and partner concentration/disruptionImpact: HighLikelihood: Low

    The company disclosed revenue pressure from changing vendors and replacing vendors that went out of business.

    Exposure: Moola Cloud and merchant services operations

  4. Regulatory and licensing riskImpact: HighLikelihood: Low

    Payment processing, money transmission, and digital wallet activities can require state and federal approvals.

    Exposure: OLBit and related financial services activities

  5. Technology integration and product execution riskImpact: MediumLikelihood: Low

    The model depends on integrating gateways, software, POS, and merchant tools into a usable platform.

    ExposureOmniSoftShopFastSecurePay.com

Accounting

Judgemental items
Revenue recognition across multiple service lines

Processing fees, subscriptions, equipment sales, and digital products may be recognized on different bases.

Impact: Affects revenue timing and comparability across quarters

Amortization of acquired merchant portfolios and intangibles

The company records amortization on merchant portfolio, trademarks, and related rights.

Impact: Can materially reduce operating income when assets are in amortization periods

Impairment of mining and acquired assets

Bitcoin mining and acquired assets may require impairment testing if economics weaken.

Impact: Can create non-cash charges and volatility in earnings

Going-concern and liquidity assumptions

Management has disclosed substantial doubt absent additional capital.

Impact: Important for assessing solvency, dilution risk, and continuity

Publicly listed companies with a comparable business focus.

Last updated: 24/09/2026

The OLB Group, Inc (OLB) Revenue, Earnings & Financials 2025 – Clarifo