OLBHIGH SIGNALFINANCIAL10-K

OLB shows dramatic share dilution with outstanding shares increasing 428% from 2.4M to 12.5M shares, while stockholders' equity plummeted 74% despite significant improvements in operating losses.

The massive share dilution suggests OLB likely raised capital through equity issuances to fund operations, which explains the improved loss metrics but severely dilutes existing shareholders. The company appears to be stabilizing operationally with substantially reduced losses, but at the cost of significant shareholder value destruction through dilution.

Comparing 2026-04-01 vs 2025-04-15View on EDGAR →
FINANCIAL ANALYSIS

OLB's financial picture shows a company improving its operational performance but facing severe cash constraints - operating losses improved 56% and net losses decreased 52%, while revenue declined 32%. However, cash position deteriorated dramatically with cash falling 85% to just $27K and stockholders' equity declining 74%, indicating the company burned through significant capital despite the operational improvements. The combination of improving losses but deteriorating cash position and massive share dilution suggests OLB is in a critical financial situation requiring immediate capital infusion to continue operations.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
-84.7%
$179K→$27K

Cash declined 84.7% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Accounts Receivable
Balance Sheet
-82.7%
$101K→$17K

Receivables declined — improved collection efficiency or conservative revenue recognition.

Stockholders Equity
Balance Sheet
-73.9%
$12.2M→$3.2M

Equity declined sharply — large losses, buybacks, or write-downs reducing book value significantly.

Operating Income
P&L
+55.8%
-$11.7M→-$5.2M

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Net Income
P&L
+51.6%
-$23.2M→-$11.2M

Net income grew 51.6% — bottom-line growth signals improving overall business health.

Operating Cash Flow
Cash Flow
+48.8%
-$2.6M→-$1.3M

Operating cash flow surged 48.8% — exceptional cash generation, highest quality earnings signal.

Gross Profit
P&L
+46.4%
$42K→$62K

Gross profit expanding — improving pricing power or product mix shift toward higher-margin offerings.

Current Assets
Balance Sheet
+40.9%
$746K→$1.1M

Current assets grew 40.9% — improving short-term liquidity or inventory/receivables build.

Revenue
P&L
-32.4%
$12.8M→$8.7M

Revenue declined 32.4% — significant demand weakness or market share loss warrants investigation.

Interest Expense
P&L
+27.2%
$117K→$148K

Interest costs rose 27.2% — monitor debt levels and coverage ratio in rising rate environment.

LANGUAGE CHANGES
NEW — 2026-04-01
PRIOR — 2025-04-15
ADDED
As of March 31, 2026, there were 12,505,749 shares of the registrant s common stock, par value $0.0001 per share, outstanding.
Exhibits, and Financial Statement Schedules 67 Item 16 Form 10-K Summary 68 Signatures 69 i PART I Item 1.
The Company markets to the LLC s merchant network, which currently has approximately 31,600 locations in the United States.
The Company provides the ability of having one POS system that will allow the retail customer to purchase products using OLB s payment processing solutions along with the ability to reload payment cards and their mobile phone minutes.
4 CrowdPay CrowdPay.us operates a white label capital raising platform that targets small and midsized businesses seeking to raise capital and registered broker-dealers seeking to host capital raising campaigns for such businesses by integrating the platform onto such company s or broker-dealer s website.
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REMOVED
As of April 7, 2025, there were 2,368,075 shares of the registrant s common stock, par value $0.0001 per share, outstanding.
Exhibits, and Financial Statement Schedules 63 Item 16 Form 10-K Summary 65 Signatures 66 i PART I Item 1.
The Company plans to market to the LLC s merchant network, which currently has approximately 31,600 locations in the United States, the ability of having one POS system that will allow the retail customer to purchase products using OLB s payment processing solutions along with the ability to reload payment cards and their mobile phone minutes.
On January 3, 2022, the Company entered into a share exchange agreement with all of the stockholders of Crowd Ignition, Inc.
( Crowd Ignition ) whereby the Company purchased 100% of the equity of Crowd Ignition in exchange for 1,318,408 shares of the common stock, par value $0.0001 of the Company (the CI Issued Shares ).
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