View ValuationYolo Group 향후 성장Future 기준 점검 5/6Yolo Group (는) 각각 연간 98% 및 20.3% 수익과 수익이 증가할 것으로 예상됩니다.핵심 정보98.0%이익 성장률n/aEPS 성장률Insurance 이익 성장2.0%매출 성장률20.3%향후 자기자본이익률n/a애널리스트 커버리지Low마지막 업데이트24 Apr 2026최근 향후 성장 업데이트Breakeven Date Change • Oct 23Forecast to breakeven in 2025The analyst covering Yolo Group expects the company to break even for the first time. New forecast suggests the company will make a profit of €1.20m in 2025. Average annual earnings growth of 119% is required to achieve expected profit on schedule.Breakeven Date Change • Dec 31Forecast to breakeven in 2025The 2 analysts covering Yolo Group expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of €600.0k in 2025. Average annual earnings growth of 37% is required to achieve expected profit on schedule.모든 업데이트 보기Recent updatesBoard Change • May 20Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 9 experienced directors. No highly experienced directors. 2 independent directors (4 non-independent directors). Director Alessandro Tessitore was the last director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.공시 • Mar 27Yolo Group S.p.A. (BIT:YOLO) completed the acquisition of 51% stake in Rcpolizza.It S.R.L.Yolo Group S.p.A. (BIT:YOLO) signed a contract to acquire 51% stake in Rcpolizza.It S.R.L. for €1.2 million on December 23, 2024. For the acquisition of 51% of the capital of RCPolizza.it, YOLO will pay, at closing, €1.25 million in a mixed form: 50% in cash and 50% in YOLO shares (with a valuation of €2 per share). There are put and call options on the remaining 49% of the capital, which can be exercised based on RCPolizza.it's performance as of December 31, 2027. RCPolizza.it has approx. 30 thousand active customers, a premium portfolio of approx. €9 million and expects to end 2024 with revenues of approx. €1.6 million , an EBITDA margin of approx. 20% and a positive NFP (cash) of approx. €0.5 million. The closing of the transaction is subject to the following suspensive condition: the fully satisfactory outcome of due diligence; the company's appraisal report certifying the value in the amount of €2.451 million; obtaining the necessary Authorizations Golden power; and the resolution by YOLO's shareholders' meeting of an increase in share capital to pay the expected portion of the price in shares. Yolo Group S.p.A. (BIT:YOLO) completed the acquisition of 51% stake in Rcpolizza.It S.R.L. on March 26, 2025.New Risk • Oct 24New major risk - Revenue and earnings growthEarnings have declined by 29% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 29% per year over the past 5 years. Minor Risks Shareholders have been diluted in the past year (45% increase in shares outstanding). Market cap is less than US$100m (€17.5m market cap, or US$18.8m).Breakeven Date Change • Oct 23Forecast to breakeven in 2025The analyst covering Yolo Group expects the company to break even for the first time. New forecast suggests the company will make a profit of €1.20m in 2025. Average annual earnings growth of 119% is required to achieve expected profit on schedule.New Risk • Jun 07New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 45% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (45% increase in shares outstanding). Market cap is less than US$100m (€17.7m market cap, or US$19.3m).Reported Earnings • Mar 27Full year 2023 earnings releasedFull year 2023 results: Revenue: €9.47m (up 106% from FY 2022). Net loss: €2.74m (loss widened 73% from FY 2022). Revenue is forecast to grow 54% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Insurance industry in Germany.Board Change • Feb 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 8 experienced directors. No highly experienced directors. 2 independent directors (3 non-independent directors). was the last director to join the board, commencing their role in . The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Board Change • Aug 17Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 8 experienced directors. No highly experienced directors. 2 independent directors (3 non-independent directors). was the last director to join the board, commencing their role in . The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.Reported Earnings • Mar 25Full year 2022 earnings releasedFull year 2022 results: Revenue: €4.60m (up 162% from FY 2021). Net loss: €1.59m (loss widened 30% from FY 2021). Revenue is forecast to grow 49% p.a. on average during the next 3 years, compared to a 5.8% growth forecast for the Insurance industry in Germany.Breakeven Date Change • Dec 31Forecast to breakeven in 2025The 2 analysts covering Yolo Group expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of €600.0k in 2025. Average annual earnings growth of 37% is required to achieve expected profit on schedule.Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 4 non-independent directors. was the last director to join the board, commencing their role in . The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.이익 및 매출 성장 예측DB:X2Y - 애널리스트 향후 추정치 및 과거 재무 데이터 (EUR Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202825034112/31/202718011112/31/202615-1-11112/31/202514-4-31N/A9/30/202513-3-4-1N/A6/30/202512-3-5-3N/A3/31/202511-3-6-2N/A12/31/202410-3-6-2N/A9/30/202410-3-5-2N/A6/30/202410-3-5-1N/A3/31/202410-3-5-1N/A12/31/20239-3-5-1N/A9/30/20238-3-7-2N/A6/30/20237-2-8-2N/A3/31/20236-2-7-2N/A12/31/20225-2-5-1N/A9/30/20224-2-4-1N/A6/30/20223-2-3-1N/A3/31/20222-1-3-1N/A12/31/20212-1-20N/A12/31/20201-1-3-2N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: X2Y 은 향후 3년 동안 수익을 낼 것으로 예상되며, 이는 절약률(1.9%)보다 빠른 성장으로 간주됩니다.수익 vs 시장: X2Y (는) 향후 3년 동안 평균 시장 성장보다 높은 수익을 올릴 것으로 예상됩니다.고성장 수익: X2Y 향후 3년 내에 수익을 낼 것으로 예상됩니다.수익 대 시장: X2Y 의 수익(연간 20.3%)이 German 시장(연간 6.8%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: X2Y 의 수익(연간 20.3%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: X2Y의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.성장 기업 찾아보기7D1Y7D1Y7D1YInsurance 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/25 10:37종가2026/05/22 00:00수익2025/12/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Yolo Group S.p.A.는 1명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Luigi TardellaEnVent Capital Markets Limited
Breakeven Date Change • Oct 23Forecast to breakeven in 2025The analyst covering Yolo Group expects the company to break even for the first time. New forecast suggests the company will make a profit of €1.20m in 2025. Average annual earnings growth of 119% is required to achieve expected profit on schedule.
Breakeven Date Change • Dec 31Forecast to breakeven in 2025The 2 analysts covering Yolo Group expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of €600.0k in 2025. Average annual earnings growth of 37% is required to achieve expected profit on schedule.
Board Change • May 20Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 9 experienced directors. No highly experienced directors. 2 independent directors (4 non-independent directors). Director Alessandro Tessitore was the last director to join the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
공시 • Mar 27Yolo Group S.p.A. (BIT:YOLO) completed the acquisition of 51% stake in Rcpolizza.It S.R.L.Yolo Group S.p.A. (BIT:YOLO) signed a contract to acquire 51% stake in Rcpolizza.It S.R.L. for €1.2 million on December 23, 2024. For the acquisition of 51% of the capital of RCPolizza.it, YOLO will pay, at closing, €1.25 million in a mixed form: 50% in cash and 50% in YOLO shares (with a valuation of €2 per share). There are put and call options on the remaining 49% of the capital, which can be exercised based on RCPolizza.it's performance as of December 31, 2027. RCPolizza.it has approx. 30 thousand active customers, a premium portfolio of approx. €9 million and expects to end 2024 with revenues of approx. €1.6 million , an EBITDA margin of approx. 20% and a positive NFP (cash) of approx. €0.5 million. The closing of the transaction is subject to the following suspensive condition: the fully satisfactory outcome of due diligence; the company's appraisal report certifying the value in the amount of €2.451 million; obtaining the necessary Authorizations Golden power; and the resolution by YOLO's shareholders' meeting of an increase in share capital to pay the expected portion of the price in shares. Yolo Group S.p.A. (BIT:YOLO) completed the acquisition of 51% stake in Rcpolizza.It S.R.L. on March 26, 2025.
New Risk • Oct 24New major risk - Revenue and earnings growthEarnings have declined by 29% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 29% per year over the past 5 years. Minor Risks Shareholders have been diluted in the past year (45% increase in shares outstanding). Market cap is less than US$100m (€17.5m market cap, or US$18.8m).
Breakeven Date Change • Oct 23Forecast to breakeven in 2025The analyst covering Yolo Group expects the company to break even for the first time. New forecast suggests the company will make a profit of €1.20m in 2025. Average annual earnings growth of 119% is required to achieve expected profit on schedule.
New Risk • Jun 07New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 45% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (45% increase in shares outstanding). Market cap is less than US$100m (€17.7m market cap, or US$19.3m).
Reported Earnings • Mar 27Full year 2023 earnings releasedFull year 2023 results: Revenue: €9.47m (up 106% from FY 2022). Net loss: €2.74m (loss widened 73% from FY 2022). Revenue is forecast to grow 54% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Insurance industry in Germany.
Board Change • Feb 16Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 8 experienced directors. No highly experienced directors. 2 independent directors (3 non-independent directors). was the last director to join the board, commencing their role in . The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Board Change • Aug 17Less than half of directors are independentNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 8 experienced directors. No highly experienced directors. 2 independent directors (3 non-independent directors). was the last director to join the board, commencing their role in . The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment.
Reported Earnings • Mar 25Full year 2022 earnings releasedFull year 2022 results: Revenue: €4.60m (up 162% from FY 2021). Net loss: €1.59m (loss widened 30% from FY 2021). Revenue is forecast to grow 49% p.a. on average during the next 3 years, compared to a 5.8% growth forecast for the Insurance industry in Germany.
Breakeven Date Change • Dec 31Forecast to breakeven in 2025The 2 analysts covering Yolo Group expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of €600.0k in 2025. Average annual earnings growth of 37% is required to achieve expected profit on schedule.
Board Change • Nov 16Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 4 non-independent directors. was the last director to join the board, commencing their role in . The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.