New Risk • Jun 26
New major risk - Market cap size The company's market capitalization is less than US$10m. Market cap: €8.52m (US$9.71m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (€8.52m market cap, or US$9.71m). Minor Risk Less than 1 year of cash runway based on current free cash flow (-€2.8m). Board Change • May 20
Less than half of directors are independent No 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. Announcement • Mar 27
Yolo 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 24
New major risk - Revenue and earnings growth Earnings 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 23
Forecast to breakeven in 2025 The 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 07
New minor risk - Shareholder dilution The 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 27
Full year 2023 earnings released Full 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 16
Less than half of directors are independent No 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 17
Less than half of directors are independent No 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 25
Full year 2022 earnings released Full 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 31
Forecast to breakeven in 2025 The 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 16
Less than half of directors are independent Following 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.