Yolo Group S.p.a. · MIL:YOLO
Yolo — Investor Presentation (January 2026)
28 slides from Yolo's investor presentation, January 2026
Slide 1: Capital Increase to support the Path to Profitability
YOLO Group S.p.A. Capital Increase to support the Path to Profitability January 2026
Slide 2: Strategic focus to Brokerage and Profitability Acceleration
Executive Summary Strategic focus to Brokerage and Profitability Acceleration So far, Yolo's positioning in the Insurtech market has been based on a dual business model: • the B2B2C insurance brokerage business which has scaled successfully and commands high multiples Accelerating • the B2B tech ena
Slide 3: Capital Deployments since IPO
Executive Summary Capital Deployments since IPO ≈ €23m Capital raised since IPO Total investments ≈ €10m deployed since IPO IPO proceeds (August 2022) Significant investments in proprietary technology, strengthening the ✓ platform’s capabilities and creating a sustainable competitive advantage Targe
Slide 4: Why invest in Yolo
Executive Summary Why invest in Yolo • Subscription price equal to €0.85 with a discount of -26.7% on the 6M stock price average Capital Increase • Strategic Plan focused on the acceleration on the Tech Brokerage business, characterized by 100% recurring revenues, a simplified business model and a c
Slide 5: Key Investment Highlights
Overview of Yolo Key Investment Highlights High growth, 100% Strategic focus on Tech Brokerage enables a 100% recurring revenue base with >30% CAGR over the plan, driven by scalable digital & phygital distribution and recurring Tech Brokerage selective M&A, delivering strong revenue visibility and s
Slide 6: Agenda
1. Market dynamics & growth drivers 2. YOLO at a glance 3. Growth & profitability roadmap 4. Capital Increase structure
Slide 7: Digital Transformation in Progress: Distribution at the Core of Insurance Evolution
Market overview Digital Transformation in Progress: Distribution at the Core of Insurance Evolution Global insurance market growth to be spurred Artificial Intelligence adoption across the insurance value Investments in Insurtech in Italy by the expanding digital distributiona,b chain 1,600 ~80% of
Slide 8: Brokers have a relevant distribution market share in Italy
Market overview Brokers have a relevant distribution market share in Italy for Non-Life and Life segments and the business is growing, with a trend for consolidation Insurance GWPs by Distribution Channel in 2024 Agents Brokers Direct Sales Bancassurance Financial Advisors Total Non-Life Non-Life Yo
Slide 9: Insurtech competitive landscape: Mostly driven by tech brokerage business
Market overview Insurtech competitive landscape: Mostly driven by tech brokerage business Competitive context Main players • The main InsurTech players operating in the market in the business areas in which Yolo is active present heterogeneous models: some appear diversified across multiple segments
Slide 10: Agenda
1. Market dynamics & growth drivers 2. YOLO at a glance 3. Growth & profitability roadmap 4. Capital Increase structure
Slide 11: Group perimeter and ownership summary
YOLO at a glance Group perimeter and ownershipsummary Group structure Ownership summary • Yolo Group SpA is the parent company and owns the group’s technological platforms Other • Yolo Srl runs the digital and phygital broker activities. By September 2024, Bartolozzi 11% Assicurazioni Srl was merged
Slide 12: Business Development
YOLO at a glance Yolo has accelerated its growth through disciplined M&A, partnerships, significant capital injections, and progressive international expansions in two markets Revenue Growth(1) - CAGR 2017A-2025FCST: +123% €23k €0.6M €1.8M €0.9M €1.8M €4.6M €9.5M > €10M > €13M • Launch of the first
Slide 13: Distribution Channels
YOLO at a glance Yolo is currently operating a model that integrates technology, services, and distribution to deliver end-to-end insurance capabilities 1 Tech Services 2 Tech Brokerage B2B B2B2C B2C¹ 1.a 2.a 2.b 2.c Tech Platform white-label Digital & Embedded (D&E) Phygital White-label technology
Slide 14: Full-stack insurtech enabler powering digital & phygital insurance distribution
YOLO at a glance So far, Yolo has been a full-stack insurtech enabler powering digital & phygital insurance distribution along with product development capabilities 1 Technology platform 2 Multi-channel Distribution 3 Digital Product Factory Yolo provides a modular, API-first platform enabling digit
Slide 15: Technology roadmap
YOLO at a glance Yolo's technology roadmap sets a clear path for platform enhancement and future scalability 2025 2026 2027 NEXT Enhancing Analytics Tool campaigns Tool automated personalization campaigns Machine Learning Quotes automated Yolo has developed a tech roadmap to foster: CEP Mini CEP for
Slide 16: Revenues driven by Tech Brokerage business
YOLO at a glance Yolo’s revenues are mainly driven by the Tech Brokerage business, accounting for 79% of 2025 forecasted Sales Revenues Sales Revenues – Historical evolution by business segment 2022A-2025E (€m) Strong top-line growth driven by disciplined M&A and 1 effective post-acquisition integra
Slide 17: B2B Business: Yolo's platforms
YOLO at a glance B2B Business: Yolo’s platforms Yolo’s platforms enable and optimize insurance distribution across multiple models, tailored to partners’ needs and their specific business models. Digital Phygital Enable digital end-to-end insurance . Enhance phygital insurance products and services
Slide 18: B2B2C Business: Yolo group 2025 FCST Key Figures
YOLO at a glance B2B2C Business: Yolo group 2025 FCST Key Figures Yolo’s B2B2C premium collection forecast in 2025 show a consistently growing trend, with a double-digit CAGR over the three-year period. Total Total GWPs % CAGR New Digital B2B2C New Digital Products2 Managed GWPs3 Managed Policies ‘2
Slide 19: B2B2C Business: products overview
YOLO at a glance B2B2C Business: products overview The following diagram represents Yolo’s product catalogue distributed both digitally and phigitally (all figures refer to 2025 forecasts) GWPs GWPs 3.6 13.2 mln € mln € 330 k€ 6.9 mln € 440 k€ 19 Legenda Digital Embedded Digital MarketPlace Phygital
Slide 20: Agenda
1. Market dynamics & growth drivers 2. YOLO at a glance 3. Growth & profitability roadmap 4. Capital Increase structure
Slide 21: New vision
New vision Yolo is forging a new vision to move forward: “Evolve from a Technology Provider to a scalable Digital & Phygital Broker Platform” YOLO will focus on Tech Brokerage, simplifying its business model and accelerating profitability 3 Macro Levers for transformation underpinned by a capital in
Slide 22: Acceleration on Brokerage
Acceleration on Brokerage YOLO will build on its Tech Brokerage business management capabilities to grow both internally & externally • Expanding Yolo’s Tech Brokerage business is central to its transformation plan, enabling the company to capitalize on Italy’s highly fragmented insurance market • T
Slide 23: Enhanced Distribution Platform
Acceleration on Brokerage Yolo will build its growth on an Enhanced Distribution Platform D&E • Enhancement of the distributors’ channel as well as embedded policies in non-insurance products Distributors & Bancassurance • Significant contribution from both the expansion of the dealers’ network to f
Slide 24: Revenue increase driven by organic growth
Acceleration on Brokerage Overview of revenue increase driven by organic growth Under the Strategic Plan, growth will be primarily driven by the continued strengthening of the Phygital channel, which is expected to remain the core contributor to the Brokerage D&E division’s performance. The strategy
Slide 25: EBITDA breakeven in 2026 and significant growth
Financial guidance The new Yolo is expected to reach EBITDA breakeven in 2026 and grow significantly driven by brokerage scale-up Figures presented below consider inorganic growth & exclusion of Tech 2025FCST 2026E 2028E CAGR 25 – ‘28 Revenues ≈ €12 M ≈ €17 M ≈ €29 M > 34% • Sound ≈ 34% revenues CAG
Slide 26: Growth & profitability roadmap
Growth & profitability roadmap Overview highlights how YOLO could reach profitability through the implementation of the new plan initiatives, based on current EBITDA EBITDA is projected to turn positive in 2026, driven by the expansion of the brokerage business through both organic growth and M&A in
Slide 27: Agenda
1. Market dynamics & growth drivers 2. YOLO at a glance 3. Growth & profitability roadmap 4. Capital Increase structure
Slide 28: Offer structure & Use of Proceeds
Capital Increase structure Offer structure & Use of Proceeds Terms & Conditions Use of Proceeds 40% - 50% ISSUER YOLO Group S.p.A. Acceleration on MARKET Euronext Growth Milan multilateral trading facility managed by Borsa Italiana SpA Brokerage Offer price: €0.85 (-4.5% vs Spot Price as of 20/01/20