Arizona Tribune - The OLB Group Reports Fiscal Year 2025 Results Highlighting Significant Cost Reductions, Strengthened Balance Sheet, and Strategic Pivot to AI-Driven OmniCommerce

Fiscal Year 2025 Financial Highlights

• Total operating expenses reduced by approximately 43.5%, declining from $24.5 million in fiscal year 2024 to $13.8 million in fiscal year 2025, reflecting management's decisive actions to streamline operations and eliminate non-core expenditures.

• Net loss improved by $5.4 million, narrowing from $11.2 million in 2024 to $5.9 million in 2025 - a 48% year-over-year improvement - demonstrating meaningful progress toward the Company's profitability objectives.

• Professional fees reduced by 51.8%, from $1.9 million to $935,000, as legacy litigation activity wound down and the Company right-sized its external advisory spend.

• General and administrative expenses decreased by $984,000, driven by reductions in bank fees, insurance costs, outside services, and technology infrastructure optimization.

• Zero impairment charges in 2025, compared to approximately $3.0 million in 2024, reflecting a stabilized and rationalized asset base.

• Depreciation expense reduced by 80.6%, from $2.6 million to $507,000, as the Company's Bitcoin mining segment asset base was fully right-sized in prior periods.

• Related party obligations significantly reduced through strategic debt-to-equity conversions totaling approximately $3.9 million, substantially de-leveraging the balance sheet and aligning management's interests with shareholders.

• Stockholders' equity increased 44.4%, from $3.2 million to $4.6 million, strengthening the Company's financial foundation.

Post-Period Capital Raises Bolster Liquidity

During the first quarter of 2026, OLB completed a registered direct offering and a private placement generating aggregate net proceeds of over $3.7 million, providing the Company with the financial runway to execute on its growth strategy. Combined with the Company's related party credit facilities, and improving operating trends, management believes the Company has sufficient capital to fund operations for at least the next twelve months.

Strategic Focus: AI-Driven OmniCommerce

"Fiscal year 2025 was a transformational year for OLB," said Ronny Yakov, Chairman and Chief Executive Officer. "We made the difficult but necessary decisions to dramatically reduce our cost structure, rationalize non-performing assets, which we believe positions the Company for sustainable, profitable growth. The results speak for themselves - we cut our operating expenses by nearly half while preserving the core revenue-generating capabilities of our FinTech platform."

Mr. Yakov continued: "Looking ahead, our primary strategic focus is the deployment of AI-powered technology across our OmniCommerce ecosystem. Our ShopFast AI eCommerce platform, integrated with our proprietary SecurePay payment gateway and supported by our partnership with PayPal, represents a compelling, differentiated offering for small and mid-sized merchants seeking intelligent, turnkey commerce solutions. We are embedding artificial intelligence into every layer of the merchant experience - from automated onboarding and intelligent fraud detection to AI-driven inventory management, predictive analytics, and personalized consumer engagement."

Key Strategic Priorities for 2026 and Beyond:

1. AI-Powered Merchant Platform Expansion OLB is investing in next-generation AI capabilities across its OmniCommerce platform to deliver merchants intelligent tools that drive revenue growth, reduce operational friction, and enhance customer engagement. The Company's proprietary SecurePay gateway serves as the technology backbone for the AI-enhanced platform.

2. Scaled Payment Processing with Intelligent Infrastructure Through eVance, OLB's merchants currently process the Company intends to leverage AI and automation to accelerate merchant acquisition, improve underwriting efficiency, reduce chargeback losses, and deepen ISO channel relationships.

3. Moola Cloud Vendor Optimization The Company has substantially completed the transition of its Moola Cloud digital product platform to new, cost-optimized vendors and expects the full vendor suite to be operational in the first quarter of 2026, positioning the segment for revenue recovery and improved margins.

4. DMINT Spin-Off to Unlock Shareholder Value OLB continues to advance the planned spin-off of its wholly owned subsidiary, DMINT, Inc., into a standalone NASDAQ-listed entity. Upon completion of the spin-off, existing OLB shareholders will receive shares in DMINT, and OLB will be freed from the capital and operating requirements of the Bitcoin mining segment, allowing the Company to dedicate 100% of its resources and management focus to its high-margin FinTech and AI-driven OmniCommerce businesses.

5. Path to Profitability With a dramatically reduced cost base, a strengthened balance sheet, and a focused strategy around AI-driven merchant services, management believes OLB is positioned to achieve operating profitability as it scales its technology platform, grows its merchant base, and realizes the benefits of vendor optimization across its business segments.

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About The OLB Group, Inc.

The OLB Group, Inc. (NASDAQ:OLB) is a diversified FinTech company providing integrated business solutions to merchants throughout the United States. Through its subsidiaries - including eVance, Inc., OmniSoft.io, Inc., CrowdPay.Us, Inc., and Moola Cloud, LLC - OLB offers payment processing, AI-powered eCommerce platforms, crowdfunding solutions, and digital product distribution services. The Company's proprietary SecurePay payment gateway is PCI-certified and Visa/MasterCard Level II and Level III certified with 3D Secure capability. For more information, visit www.olb.com. And http://investors.olb.com

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, that involve risks and uncertainties. Words such as "believes," "expects," "anticipates," "intends," "plans," "will," "may," "positioned," and similar expressions are intended to identify forward-looking statements. These statements include, but are not limited to, statements regarding the Company's strategic plans, expected cost savings, path to profitability, the planned DMINT spin-off, AI-driven technology deployment, vendor transitions, capital raising activities, and sufficiency of capital resources. Actual results may differ materially from those projected due to risks and uncertainties, including those described in the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2025, filed with the Securities and Exchange Commission on March 31, 2026, and other filings with the SEC. The Company undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by law.

Investor Contact

The OLB Group, Inc.
Tel: (212) 278-0900 EXT 333
[email protected]

SOURCE: The OLB Group, Inc.

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