Complete OLB Stock Valuation Analysis
Comprehensive intrinsic value analysis using 2 different methodologies
OLB DCF Analysis
OLB (The OLB Group, Inc.) discounted cash flow analysis with multiple scenarios, growth assumptions, and terminal value calculations
Financial Projections
| Metrics | 2022 (Historical) | 2023 (Historical) | 2024 (Historical) | 2025 (Projected) | 2026 (Projected) | 2027 (Projected) | 2028 (Projected) | 2029 (Projected) |
|---|---|---|---|---|---|---|---|---|
| Revenue | $30.4M | $30.6M | $12.8M | $12.9M | $13.0M | $13.0M | $13.0M | $13.1M |
| Revenue Growth % | - | 0.7% | -58.0% | 0.5% | 0.4% | 0.4% | 0.3% | 0.3% |
| EBIT | $-8.2M | $-23.5M | $-11.7M | $644.9K | $647.5K | $649.9K | $652.1K | $654.0K |
| EBIT Margin % | -26.9% | -76.8% | -90.9% | 5.0% | 5.0% | 5.0% | 5.0% | 5.0% |
| Tax Rate % | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% | 25.0% |
| NOPAT | $-6.1M | $-17.6M | $-8.8M | $483.7K | $485.6K | $487.4K | $489.0K | $490.5K |
| NOPAT Margin % | -20.2% | -57.6% | -68.2% | 3.8% | 3.8% | 3.8% | 3.8% | 3.8% |
| Capex | $1.6M | $1.2M | $0 | $345.1K | $329.2K | $313.9K | $299.2K | $285.1K |
| Capex / Revenue % | 5.1% | 4.0% | 0.0% | 2.7% | 2.5% | 2.4% | 2.3% | 2.2% |
| Depreciation | $6.9M | $6.7M | $3.1M | $3.0M | $3.0M | $3.0M | $3.0M | $3.0M |
| D&A / Revenue % | 22.6% | 22.0% | 24.5% | 23.0% | 23.0% | 23.0% | 23.0% | 23.0% |
| Change in NWC | $-2.1M | $-5.2M | $-3.2M | $-645.1K | $-518.2K | $-416.1K | $-333.9K | $-268.0K |
| NWC Change / Revenue % | -6.8% | -17.0% | -25.2% | -5.0% | -4.0% | -3.2% | -2.6% | -2.0% |
| Unlevered FCF | $1.2M | $-6.9M | $-2.4M | $3.8M | $3.7M | $3.6M | $3.5M | $3.5M |
| UFCF % Chg. | - | -661.7% | 65.8% | 258.5% | -2.6% | -2.0% | -1.6% | -1.2% |
| FCF / Revenue % | 4.1% | -22.6% | -18.5% | 29.1% | 28.3% | 27.6% | 27.1% | 26.7% |
| Discount Factor | - | - | - | 0.893 | 0.798 | 0.712 | 0.636 | 0.568 |
| Present Value of FCF | - | - | - | $3.4M | $2.9M | $2.6M | $2.2M | $2.0M |
| Sum of PV of UFCF | - | - | - | $3.4M | $6.3M | $8.8M | $11.1M | $13.1M |
WACC Calculation
Weighted Average Cost of Capital used for discounting cash flows.
| WACC Calculation | Value |
|---|---|
| Cost of Debt | 6.9% |
| Tax Rate | 25.0% |
| After Tax Cost of Debt | 5.2% |
| Risk Free Rate | 4.37% |
| Market Risk Premium | 4.3% |
| Beta | 1.85 |
| Cost of Equity | 12.4% |
| Total Debt | $375.0K |
| Market Cap | $6.4M |
| Total Capital | $6.8M |
| Debt Weighting | 5.5% |
| Equity Weighting | 94.5% |
| WACC | 12.0% |
Terminal Value
Choose between perpetuity growth or exit multiple methods.
| Terminal Value Calculation | Value |
|---|---|
| Terminal Growth Rate | 2.5% |
| Final Year FCF | $3.5M |
| Terminal Value | $37.7M |
| PV of Terminal Value | $21.4M |
| Cumulative PV of UFCF | $13.1M |
| Net Debt | $347.6K |
| Equity Value | $34.2M |
| Shares Outstanding | 1.9M |
| Implied Share Price | $18 |
| Current Share Price | $2 |
| Implied Upside/(Downside) | +706.8% |
Valuation Summary
$18.36
Implied Price
$2.27
Current Price
+706.8%
Upside/Downside
12.0%
WACC
OLB Peer Valuation Analysis
Relative valuation based on comparable company trading multiples
Peer Valuation Analysis
Fair Value Range Analysis
Based on median multiples from 5 peer companies in Technology
P/E Ratio
$-170.50
-7594.6%
Peer Median: 40.6x
EV/EBITDA
$0.00
-100.0%
Peer Median: 25.3x
P/S Ratio
$1.83
-19.6%
Peer Median: 0.4x
Interpretation: Each multiple provides a different perspective on fair value. Consider which multiple is most relevant for OLB's business model and current situation.
Multiple Comparison
| Multiple | OLB Current | Peer Median | Peer Average | Premium/Discount | Assessment |
|---|---|---|---|---|---|
| P/E Ratio | -0.5x | 40.6x | 25.9x | -101.3% | Undervalued |
| EV/EBITDA | Infinityx | 25.3x | 22.3x | Infinity% | Overvalued |
| P/S Ratio | 0.5x | 0.4x | 4.1x | 24.3% | Overvalued |
Peer Companies
Click any company to view their valuation
| Company | Market Cap | P/E Ratio | EV/EBITDA | P/S Ratio |
|---|---|---|---|---|
| $0.04B | 11.2x | 13.6x | 0.4x | |
| $0.04B | 0.0x | 25.3x | 0.3x | |
| $0.01B | 0.0x | 0.0x | 0.1x | |
| $0.01B | 0.0x | 0.0x | 0.5x | |
| $710.80B | 40.6x | 27.9x | 18.9x |