Yolo Group (YOLO) Fair Value & Analysis
Financial Services · IT · Market cap €11.8M
Fair value as of: Jul 27, 2026
From 1 valuation models · updated 14 days ago
Share price +9.2% over the past month.
Below-average quality, and screening another 86% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (€0.1100). The favourable scenario is already priced in.
- Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- A fairly wide model range (€0.0600 to €0.1100) leaves room in how you read the outcome.
Price vs Fair Value (4 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
48‑month range €0.5250 – €4.00 · fair‑value band €0.0600 – €0.1100 · the €0.6500 price screens above the €0.0900 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Yolo Group (YOLO) currently trades at €0.6500, while our model-based Fair Value estimate is €0.0900, implying the stock looks roughly 86.2% overvalued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).
Over the trailing twelve months, Yolo Group generated revenue of €13.5M at a net margin of -26.8%. Revenue grew 29.2% year over year. It earns a return on equity of -22.3%. Fundamentals as of Jul 27, 2026
Our scenario range runs from €0.0600 (bear case) to €0.1100 (bull case); at €0.6500, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 52% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -38% fair-value upside, at -86%, YOLO screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 24
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Yolo Group S.p.A. provides digital insurance services to the individuals and small and medium-sized enterprises in Italy and internationally. It offers sport, pet, home and family, health, travel, mobility, and cars for private individuals; and multi-risk, legal protection, professional liability, photovoltaic and cyber insurance products for companies.
Full company description
Yolo Group S.p.A. provides digital insurance services to the individuals and small and medium-sized enterprises in Italy and internationally. It offers sport, pet, home and family, health, travel, mobility, and cars for private individuals; and multi-risk, legal protection, professional liability, photovoltaic and cyber insurance products for companies. The company also operates an Insurtech platform for companies to manage their insurance products. It also offers insurance solutions for partners and intermediates. Yolo Group S.p.A. was founded in 2017 and is based in Milan, Italy.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Yolo Group reported revenue of €13.6M in FY2025 versus €1.8M in FY2021, a compound +66.0%/yr. Reported net income was −€3.5M in FY2025.
YOLO screens 86% overvalued. Compare with Marsh & McLennan Companies, Inc →
Peer Group
Insurance Brokers · 35 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance Brokers median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $182.18 | $112.25 | -38% |
| Aon plc AON | $367.21 | $224.91 | -39% |
| Arthur J. Gallagher & Co AJG | $253.09 | $75.58 | -70% |
| Willis Towers Watson Public Limited WTW | $285.12 | $220.92 | -23% |
| Brown & Brown, Inc BRO | $67.66 | $40.43 | -40% |
| Erie Indemnity Company ERIE | $227.31 | $157.43 | -31% |
| PB Fintech Limited POLICYBZR | ₹1,574 | ₹188.49 | -88% |
| Neptune Insurance Holdings NP | $31.03 | $3.52 | -89% |
| CorVel Corporation CRVL | $62.29 | $47.59 | -24% |
| Accelerant Holdings ARX | $13.52 | $18.06 | +34% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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