OLB (The OLB Group) Beneish M-Score: -3.12 (As of Jul. 02, 2026)

What is The OLB Group Beneish M-Score?

The OLB Group OLB -3.83% 32 Beneish M-Score is -3.12 as of Jul. 02, 2026. GuruFocus rates OLB with a GF Score™ of 32/100 and a GF Value™ of $0.25 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 2,631 Software companies, The OLB Group ranks better than 80.69% on this metric.

The zones of discrimination for M-Score is as such:

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator.
An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

Good Sign:

Beneish M-Score -3.12 no higher than -1.78, which implies that the company is unlikely to be a manipulator.

The historical rank and industry rank for The OLB Group's Beneish M-Score or its related term are showing as below:

OLB' s Beneish M-Score Range Over the Past 10 Years
Min: -1662.35 Med: -3.37 Max: 0.21
Current: -3.12

During the past 13 years, the highest Beneish M-Score of The OLB Group was 0.21. The lowest was -1662.35. And the median was -3.37.

The OLB Group Beneish M-Score Related Terms

The OLB Group Beneish M-Score Historical Data

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The historical data trend for The OLB Group's Beneish M-Score can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The OLB Group Beneish M-Score Chart

The OLB Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Beneish M-Score

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0.21

-2.94

-6.83

-6.84

-3.71

The OLB Group Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Beneish M-Score	Get a 7-Day Free Trial															-5.44	-2.69	-2.87	-3.71	-3.12

OLB vs BRQSF, CYAB, HUBC: Beneish M-Score Comparison

For the Software - Infrastructure subindustry, The OLB Group's Beneish M-Score, along with its competitors' market caps and Beneish M-Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

The OLB Group Beneish M-Score vs Software Industry

For the Software industry and Technology sector, The OLB Group's Beneish M-Score distribution charts can be found below:

* The bar in red indicates where The OLB Group's Beneish M-Score falls into.

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The OLB Group Inc OLB

Beneish M-Score is just one metric. See GF Score™, valuation, warning signs, and more.

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The OLB Group Beneish M-Score Calculation

The M-score was created by Professor Messod Beneish. Instead of measuring the bankruptcy risk (Altman Z-Score) or business trend (Piotroski F-Score), M-score can be used to detect the risk of earnings manipulation. This is the original research paper on M-score.

The M-Score Variables:

The M-score of The OLB Group for today is based on a combination of the following eight different indices:

-4.84

0.92 * DSRI

0.528 * GMI

0.404 * AQI

0.892 * SGI

0.115 * DEPI

-4.84

0.92 * 1.6135

0.528 * 0.1503

0.404 * 0.8342

0.892 * 0.6868

0.115 * 5.2798

0.172 * SGAI

4.679 * TATA

0.327 * LVGI

0.172 * 1.1889

4.679 * -0.216599

0.327 * 0.5622

-3.12

This Year (Mar26) TTM:

Last Year (Mar25) TTM:

Total Receivables was $0.89 Mil.
Revenue was 1.656 + 1.775 + 2.313 + 2.267 = $8.01 Mil.
Gross Profit was -0.494 + -0.797 + -0.28 + -0.75 = $-2.32 Mil.
Total Current Assets was $3.74 Mil.
Total Assets was $14.98 Mil.
Property, Plant and Equipment(Net PPE) was $2.72 Mil.
Depreciation, Depletion and Amortization(DDA) was $0.25 Mil.
Selling, General, & Admin. Expense(SGA) was $3.02 Mil.
Total Current Liabilities was $6.88 Mil.
Long-Term Debt & Capital Lease Obligation was $0.00 Mil.
Net Income was -1.078 + -1.486 + -1.175 + -2.124 = $-5.86 Mil.
Non Operating Income was 0.192 + 0 + -0.04 + -0.258 = $-0.11 Mil.
Cash Flow from Operations was -1.338 + -0.039 + -0.116 + -1.02 = $-2.51 Mil.

Total Receivables was $0.81 Mil.
Revenue was 2.322 + 2.738 + 3.084 + 3.521 = $11.67 Mil.
Gross Profit was -0.019 + -0.223 + -0.125 + -0.141 = $-0.51 Mil.
Total Current Assets was $0.84 Mil.
Total Assets was $12.50 Mil.
Property, Plant and Equipment(Net PPE) was $3.14 Mil.
Depreciation, Depletion and Amortization(DDA) was $2.47 Mil.
Selling, General, & Admin. Expense(SGA) was $3.70 Mil.
Total Current Liabilities was $10.12 Mil.
Long-Term Debt & Capital Lease Obligation was $0.09 Mil.

1. DSRI = Days Sales in Receivables Index

Measured as the ratio of Revenue in Total Receivables in year t to year t-1.

A large increase in DSR could be indicative of revenue inflation.

DSRI	=	(Receivables_t / Revenue_t)	/	(Receivables_t-1 / Revenue_t-1)
	=	(0.892 / 8.011)	/	(0.805 / 11.665)
	=	0.111347	/	0.06901
	=	1.6135

2. GMI = Gross Margin Index

Measured as the ratio of gross margin in year t-1 to gross margin in year t.

Gross margin has deteriorated when this index is above 1. A firm with poorer prospects is more likely to manipulate earnings.

GMI	=	GrossMargin_t-1	/	GrossMargin_t
	=	(GrossProfit_t-1 / Revenue_t-1)	/	(GrossProfit_t / Revenue_t)
	=	(-0.508 / 11.665)	/	(-2.321 / 8.011)
	=	-0.043549	/	-0.289727
	=	0.1503

3. AQI = Asset Quality Index

AQI is the ratio of asset quality in year t to year t-1.

Asset quality is measured as the ratio of non-current assets other than Property, Plant and Equipment to Total Assets.

AQI	=	(1 - (CurrentAssets_t + PPE_t) / TotalAssets_t)	/	(1 - (CurrentAssets_t-1 + PPE_t-1) / TotalAssets_t-1)
	=	(1 - (3.735 + 2.722) / 14.977)	/	(1 - (0.842 + 3.135) / 12.504)
	=	0.568872	/	0.681942
	=	0.8342

4. SGI = Sales Growth Index

Ratio of Revenue in year t to sales in year t-1.

Sales growth is not itself a measure of manipulation. However, growth companies are likely to find themselves under pressure to manipulate in order to keep up appearances.

SGI	=	Sales_t	/	Sales_t-1
	=	Revenue_t	/	Revenue_t-1
	=	8.011	/	11.665
	=	0.6868

5. DEPI = Depreciation Index

Measured as the ratio of the rate of Depreciation, Depletion and Amortization in year t-1 to the corresponding rate in year t.

DEPI greater than 1 indicates that assets are being depreciated at a slower rate. This suggests that the firm might be revising useful asset life assumptions upwards, or adopting a new method that is income friendly.

DEPI	=	(Depreciation_t-1 / (Depreciaton_t-1 + PPE_t-1))	/	(Depreciation_t / (Depreciaton_t + PPE_t))
	=	(2.472 / (2.472 + 3.135))	/	(0.248 / (0.248 + 2.722))
	=	0.440877	/	0.083502
	=	5.2798

Note: If the Depreciation, Depletion and Amortization data is not available, we assume that the depreciation rate is constant and set the Depreciation Index to 1.

6. SGAI = Sales, General and Administrative expenses Index

The ratio of Selling, General, & Admin. Expense(SGA) to Sales in year t relative to year t-1.

SGA expenses index > 1 means that the company is becoming less efficient in generate sales.

SGAI	=	(SGA_t / Sales_t)	/	(SGA_t-1 /Sales_t-1)
	=	(3.017 / 8.011)	/	(3.695 / 11.665)
	=	0.376607	/	0.31676
	=	1.1889

7. LVGI = Leverage Index

The ratio of total debt to Total Assets in year t relative to yeat t-1.

An LVGI > 1 indicates an increase in leverage

LVGI	=	((LTD_t + CurrentLiabilities_t) / TotalAssets_t)	/	((LTD_t-1 + CurrentLiabilities_t-1) / TotalAssets_t-1)
	=	((0 + 6.877) / 14.977)	/	((0.094 + 10.119) / 12.504)
	=	0.459171	/	0.816779
	=	0.5622

8. TATA = Total Accruals to Total Assets

Total accruals calculated as the change in working capital accounts other than cash less depreciation.

TATA	=	(IncomefromContinuingOperations_t	-	CashFlowsfromOperations_t)	/	TotalAssets_t
	=	(NetIncome_t - NonOperatingIncome_t	-	CashFlowsfromOperations_t)	/	TotalAssets_t
	=	(-5.863 - -0.106	-	-2.513)	/	14.977
	=	-0.216599

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator. An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

The OLB Group has a M-score of -3.12 suggests that the company is unlikely to be a manipulator.

Frequently Asked Questions Learn more about Beneish M-Score →

What does a Beneish M-Score of -3.12 mean?

The OLB Group (OLB) has a Beneish M-Score of -3.12 as of Jul. 02, 2026. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on The OLB Group and its competitors. According to the industry distribution chart, The OLB Group ranks #508 out of 2631 companies in the Software industry, placing it in the top 19.3%.

Is The OLB Group's Beneish M-Score too high?

The OLB Group's current Beneish M-Score is -3.12. Based on the distribution chart, The OLB Group ranks #508 out of 2631 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, The OLB Group has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does The OLB Group's Beneish M-Score compare to BRQSF and CYAB?

According to the Software industry distribution chart, The OLB Group ranks #508 out of 2631 companies for Beneish M-Score. This places The OLB Group in the top 19% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Beneish M-Score for a Software company?

A good Beneish M-Score depends on the Software industry context. However, Beneish M-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Beneish M-Score mean?

A high Beneish M-Score can signal that a stock is expensive relative to its fundamentals. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on The OLB Group and its competitors. The OLB Group's current Beneish M-Score is -3.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is The OLB Group stock overvalued right now?

Based on GuruFocus' analysis, The OLB Group (OLB) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.25, compared to a current price of $0.36 — trading 45.6% above its estimated fair value. The current Beneish M-Score is -3.12. The OLB Group's overall GF Score™ is 32/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Beneish M-Score calculated?

Beneish M-Score is calculated from a company's financial statements. For The OLB Group (OLB), the current Beneish M-Score is -3.12 as of Jul. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is The OLB Group (OLB) Overvalued in 2026?

Based on GuruFocus' analysis, The OLB Group stock appears to be overvalued. The current stock price of $0.36 is trading 45.6% above its estimated GF Value™ of $0.25. GuruFocus considers The OLB Group to be Significantly Overvalued.

Key valuation signals for OLB:

Beneish M-Score: -3.12
GF Value™: $0.25 vs. price of $0.36 (45.6% above fair value)
GF Score™: 32/100 with 3 warning signs

No single metric tells the full story. See the OLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

The OLB Group Business Description

Industry Technology Software

Comparable Companies BRQSF CYAB HUBC LHSW TGCB YYAI DTSS CSAI CETX IPSI MSFT ORCL PLTR PANW CRWD HKSE:02513 FTNT SNPS NET CRWV

Address 1120 Avenue of the Americas, 4th Floor, New York, NY, USA, 10036

Website https://www.olb.com

The OLB Group Inc is a diversified FinTech company that focuses on a suite of products in the merchant services marketplace and seeks to provide integrated business solutions to merchants throughout the United States. The company seeks to provide merchants with a wide range-of-products and services through the various online platforms, including financial and transaction processing services. It also has products that provide support for crowdfunding and other capital-raising initiatives. It supplements the online platforms with certain hardware solutions that are integrated with the online platforms. The company has two business segments: Fintech Services, which generates key revenue, and the Bitcoin Mining business segment.

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$0.36

Price

$0.25

GF Value

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