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Side-by-side financial comparison of OLB GROUP, INC. (OLB) and Phunware, Inc. (PHUN). Click either name above to swap in a different company.
OLB GROUP, INC. is the larger business by last-quarter revenue ($1.8M vs $1.0M, roughly 1.8× Phunware, Inc.). OLB GROUP, INC. runs the higher net margin — -83.7% vs -260.2%, a 176.5% gap on every dollar of revenue. On growth, Phunware, Inc. posted the faster year-over-year revenue change (-21.9% vs -35.2%). Over the past eight quarters, OLB GROUP, INC.'s revenue compounded faster (-28.7% CAGR vs -53.9%).
OLB Group, Inc. is a global financial technology provider offering omnichannel payment processing solutions, e-commerce enablement tools, and digital banking services for small and medium-sized enterprises across North America, Europe, and key Asia-Pacific markets. Its core segments include merchant services, crypto payment integration, and cloud-based business management platforms.
Phunware Inc. is a publicly traded enterprise software company headquartered in Austin, Texas. Founded in 2009, Phunware builds cloud-based platforms that help brands and governments engage users across mobile and digital environments. Its core products include solutions for mobile app development, location-based services, digital advertising, and data-driven engagement.
OLB vs PHUN — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2024
| Metric | | |
|---|---|---|
| Revenue | $1.8M | $1.0M |
| Net Profit | $-1.5M | $-2.6M |
| Gross Margin | — | 46.5% |
| Operating Margin | -83.7% | -290.2% |
| Net Margin | -83.7% | -260.2% |
| Revenue YoY | -35.2% | -21.9% |
| Net Profit YoY | 67.5% | 59.7% |
| EPS (diluted) | $-0.48 | $-0.32 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.8M | — | ||
| Q3 25 | $2.3M | — | ||
| Q2 25 | $2.3M | — | ||
| Q1 25 | $2.3M | — | ||
| Q4 24 | $2.7M | — | ||
| Q3 24 | $3.1M | — | ||
| Q2 24 | $3.5M | $1.0M | ||
| Q1 24 | $3.5M | $921.0K |
| Q4 25 | $-1.5M | — | ||
| Q3 25 | $-1.2M | — | ||
| Q2 25 | $-2.1M | — | ||
| Q1 25 | $-1.1M | — | ||
| Q4 24 | $-4.6M | — | ||
| Q3 24 | $-1.6M | — | ||
| Q2 24 | $-2.6M | $-2.6M | ||
| Q1 24 | $-2.4M | $-2.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 46.5% | ||
| Q1 24 | — | 56.9% |
| Q4 25 | -83.7% | — | ||
| Q3 25 | -49.1% | — | ||
| Q2 25 | -74.8% | — | ||
| Q1 25 | -36.6% | — | ||
| Q4 24 | -166.0% | — | ||
| Q3 24 | -52.9% | — | ||
| Q2 24 | -74.3% | -290.2% | ||
| Q1 24 | -82.6% | -312.1% |
| Q4 25 | -83.7% | — | ||
| Q3 25 | -50.8% | — | ||
| Q2 25 | -93.7% | — | ||
| Q1 25 | -46.9% | — | ||
| Q4 24 | -167.1% | — | ||
| Q3 24 | -52.9% | — | ||
| Q2 24 | -75.2% | -260.2% | ||
| Q1 24 | -67.8% | -248.9% |
| Q4 25 | $-0.48 | — | ||
| Q3 25 | $-0.13 | — | ||
| Q2 25 | $-0.66 | — | ||
| Q1 25 | $-0.47 | — | ||
| Q4 24 | $-3.55 | — | ||
| Q3 24 | $-0.92 | — | ||
| Q2 24 | $-1.49 | $-0.32 | ||
| Q1 24 | $-0.14 | $-0.33 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $20.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $4.6M | $14.1M |
| Total Assets | $12.3M | $23.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $29.3K | — | ||
| Q4 24 | $27.4K | — | ||
| Q3 24 | $41.3K | — | ||
| Q2 24 | $53.3K | $20.4M | ||
| Q1 24 | $3.3K | $21.6M |
| Q4 25 | $4.6M | — | ||
| Q3 25 | $5.3M | — | ||
| Q2 25 | $6.4M | — | ||
| Q1 25 | $2.3M | — | ||
| Q4 24 | $3.2M | — | ||
| Q3 24 | $6.7M | — | ||
| Q2 24 | $8.3M | $14.1M | ||
| Q1 24 | $11.0M | $14.6M |
| Q4 25 | $12.3M | — | ||
| Q3 25 | $12.2M | — | ||
| Q2 25 | $12.4M | — | ||
| Q1 25 | $12.5M | — | ||
| Q4 24 | $12.7M | — | ||
| Q3 24 | $15.9M | — | ||
| Q2 24 | $16.6M | $23.1M | ||
| Q1 24 | $18.3M | $24.3M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-1.3M | $-2.7M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.3M | — | ||
| Q3 25 | $-115.5K | — | ||
| Q2 25 | $-1.0M | — | ||
| Q1 25 | $-155.8K | — | ||
| Q4 24 | $-2.6M | — | ||
| Q3 24 | $-376.7K | — | ||
| Q2 24 | $-785.5K | $-2.7M | ||
| Q1 24 | $-424.7K | $-5.5M |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OLB
| Transaction And Processing Fees | $1.7M | 94% |
| Other | $99.2K | 6% |
PHUN
Segment breakdown not available.
