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Yolo Group S.p.A. (YOLO.MI)

EUR0.59 -0.02 (-2.50%)
IT MIL Financial Services Insurance - Specialty
Address Via della Moscova, 12 20121
Milan, MI, IT
CEO Gianluca de Cobelli
IPO 2022-08-11
ISIN IT0005495871

Explore sections of this company profile

Description

Established in 2017 and headquartered in Milan, Italy, Yolo Group S.p.A. delivers digital insurance solutions to both individual consumers and small to medium-sized enterprises throughout Italy. For private clientele, the company offers a diverse range of coverage, including policies for sports, pets, homes, health, travel, mobility, and automobiles. Corporate clients, on the other hand, can access products such as multirisk, legal protection, professional liability, and cyber insurance. Furthermore, Yolo Group operates a dedicated Insurtech platform that empowers businesses to efficiently manage their insurance policies.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR0.59 -0.02 (-2.50%)
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Volume Profile
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Liquidity & share structure
Average Volume
15.8K
Beta
-0.04
Float Shares
5.71M
Free Float %
45.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -1.23% -1.83% -24.77% -12.50% -32.35% -79.88% -79.88% -79.88% -79.88%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
0.59
Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.20
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
1 / 10
No MOAT
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Specialty: +11.0%
    +42.5% Q4'25: +39.2% (vs Q4'23)
  • EPS growth Insurance - Specialty: +18.3%
    -3.7% Q4'25: -1.1% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Specialty: +39.7%
    +4.9% Q4'25: +28.1% (vs Q4'23)
  • EBIT margin Insurance - Specialty: +18.3%
    -31.5% Q4'25: -20.5% (vs Q4'23)
  • ROIC Insurance - Specialty: +10.3%
    -26.5% Q4'25: -27.7% (vs Q4'23)
  • Share dilution Insurance - Specialty: +0.5%
    +0.0% Q4'25: +44.6% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Specialty: 0.25×
    -8.47× Q4'25: 4.29× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.04) × ERP
WACC = 68% × Ke + 32% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 0.59
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
Revenue
9.49M
est: 9.70M (-2.2%)
9.11M
est: 11.50M (-20.8%)
12.98M
est: 13.90M (-6.6%)
14.90M
14.90M – 14.90M
+7.2% YoY
18.20M
18.20M – 18.20M
+22.1% YoY
24.50M
24.50M – 24.50M
+34.6% YoY
EBITDA
-1.22M
est: -1.75M (+30.6%)
-1.16M
est: -2.08M (+44.0%)
-566.7K
est: -2.51M (+77.4%)
-2.69M
-2.69M – -2.69M
-7.2% YoY
-3.29M
-3.29M – -3.29M
-22.1% YoY
-4.42M
-4.42M – -4.42M
-34.6% YoY
EBIT
-3.85M
est: -5.12M (+24.7%)
-4.18M
est: -6.06M (+31.0%)
-4.08M
est: -7.33M (+44.3%)
-7.85M
-7.85M – -7.85M
-7.2% YoY
-9.59M
-9.59M – -9.59M
-22.1% YoY
-12.92M
-12.92M – -12.92M
-34.6% YoY
Net Income
-2.74M
est: -3.22M (+14.7%)
-3.36M
est: -2.91M (-15.5%)
-3.50M
est: -1.64M (-113.1%)
-379.5K
-379.5K – -379.5K
+76.9% YoY
2.02M
2.02M – 2.02M
+633.3% YoY
— – —
-100.0% YoY
SGA
est: 1.35M (-100.0%)
est: 1.60M (-100.0%)
est: 1.93M (-100.0%)
2.07M
2.07M – 2.07M
+7.2% YoY
2.53M
2.53M – 2.53M
+22.1% YoY
3.41M
3.41M – 3.41M
+34.6% YoY
EPS
-0.26
est: -0.25 (-2.2%)
-0.27
est: -0.23 (-17.4%)
-0.28
est: -0.13 (-115.4%)
-0.03
-0.03 – -0.03
+76.9% YoY
0.16
0.16 – 0.16
+633.3% YoY
— – —
-100.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-05-26 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-05-21 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-05-20 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-05-14 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-05-13 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-12 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-06 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-05-04 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-30 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-29 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-28 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-27 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-24 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-23 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-22 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-21 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-20 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-16 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-1.60M
OE per share TTM
-0.13
Owner's Yield
-15.68%
Maintenance CapEx ratio
Maint CapEx / Avg PPE
0.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
-68.1K
Shares Outstanding
12.65M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Andrea Manzella Head of Insurance Products
Diego Vagni Chief Operating Officer
Francesco Grieco Chief Financial Officer
Gianluca de Cobelli Co-Founder, Chief Executive Officer & Director male
Luca Pegurri Chief Marketing Officer male
Marco D'Ambrosio Chief Technology Officer male
Mario Cavalli Head of Operations
Nicola Tonetti Chief Commercial Officer male
Pamela Negosanti Chief Strategy Officer
Simone Ranucci Brandimarte Co-Founder & Chairman of the Board
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits