YOLO GROUP APPROVES ITS HALF-YEARLY FINANCIAL REPORT AT 30 JUNE 2026

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Regolamentata n.

20264-36-2026Data/Ora Inizio Diffusione 28 Settembre 2026 19:37:19Euronext Growth Milan

Societa' :YOLO GROUP Utenza - referente :YOLOGROUPN03 - Mauro Boccasini

Tipologia :1.2

Data/Ora Ricezione :28 Settembre 2026 19:37:19 Data/Ora Inizio Diffusione :28 Settembre 2026 19:37:19

Oggetto :YOLO GROUP APPROVES ITS HALF-

YEARLY FINANCIAL REPORT AT 30 JUNE

2026

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YOLO GROUP APPROVES ITS HALF-YEARLY FINANCIAL REPORT AT 30 JUNE 2026 Main results consolidated as of 30 June 2025 • Adjusted EBITDA improved significantly to -0.3 million euros, compared with -1.1 million in the first half of 2025; as a percentage of total revenue, it went from approximately -17% to approximately -7% • Total revenue: 5 million euros, compared with 6.4 million euros in the first half of 2025, due to a temporary decline in the car dealership channel • The process of strategic repositioning as a digital broker, in line with the 2026–2028 Strategic Plan, is being finalised • Break-even operating result confirmed for 2026 Milan, 28 September 2026 - YOLO Group S.p.A. (“YOLO” or the “Company”), one of the leading players in the Italian insurtech market for digital insurance services and listed on Euronext Growth Milan, approved its consolidated half-yearly report for the first half of 2026, drawn up in accordance with Italian OIC accounting standards and subject to a voluntary limited audit. ………………………………………………………………………………………………………………………………………………………… Main results and events of the financial year YOLO’s operations over the half-year developed in line with the guidelines of the 2026–2028 Strategic Plan (Strategic Plan), approved on 15 December 2025, which envisages a shift from a dual business model (insurance broker and tech services provider) to a model focused on B2B2C brokerage (digital, phygital and embedded products) that enhances YOLO's position in digital brokerage. The results for the period show a significant improvement in EBITDA, driven by organisational rationalisation and cost optimisation measures launched in 2025, which form an essential component of the Strategic Plan. Revenue was affected by a slowdown in the car dealership segment, in which the subsidiary AllianceInsay operates, due to temporary operational issues. However, the measures adopted by management have enabled the company to overcome these difficulties and, from July, AllianceInsay has returned to its usual growth trajectory, pointing to a positive result for the financial year.

As reported on 30 June, revenue amounted to 5 million euros (down 21% from 6.4 million euros in the first half of 2025), with 75% generated by insurance brokerage. The digital platform handled premiums totalling approximately 12 million euros, in line with the first half of 2025. The main development activities during the half-year included: as part of the agreement with CNP Santander Insurance, the expansion of the product range offered by SCB DE (a subsidiary of Santander) managed via the YOLO platform; an agreement with a leading Italian bank to enable the bank’s branches to use the YOLO tool that analyses the insurance needs of SMEs (ABA); an agreement with a leading insurance company to integrate the YOLO platform into the company’s systems for the digital sale of life insurance policies; agreements for the embedded distribution of solar power insurance policies and for the promotion of policies for SMEs (Cat Nat) and professionals (Civil Liability, Legal Protection); an agreement with a medium-sized Italian bank to promote YOLO’s digital products to customers. The number of partnerships with banks, insurance companies, retail groups and car dealerships rose from 155 to 168 (+8% compared with the first half of 2025). During the half-year, the pursuit of the measures mentioned above to rationalise the organisation and optimise the cost structure led to an improvement in accounting EBITDA in absolute terms (from –1.2 million euros in the first half of 2025 to –0.4 million) and as a percentage of total revenue (from approximately –19% to approximately –9%). The net loss amounted to 2.4 million euros (2.1 million euros in 2025). The net financial position was a negative 2.6 million euros (1.2 million euros in 2025). Significant events following the end of the half-year The implementation of the Strategic Plan gathered acceleration immediately after the end of the half-year. On 14 July, YOLO signed a preliminary sale and purchase agreement with Atum S.r.l., a technology and process enabler specialising in the development of software solutions for the insurance and bancassurance sectors, with a aim to enhance the value of the Tech Services Business Line and its proprietary technology platforms through a spin-off (pursuant to Article 2506.1 of the Civil Code) of the Tech Services Business Line and the simultaneous formation of a new company in which Atum S.r.l. will acquire a 51% stake. On 7 September, the Extraordinary General Meeting of Shareholders approved the plan of spin off the business unit of the Tech Services Business Line. As part of the implementation of the 2026–2028 Strategic Plan, in line with the Company’s positioning in insurance brokerage, on July 30, YOLO completed the sale of its majority stake (51%) in Risorsa Uomo, a company specialising in vocational training services for businesses. The 49% stake was sold to Entera Advisory S.r.l., a company belonging to the group headed by Smart Capital S.p.A.,

a shareholder of YOLO through its subsidiary Smart4Tech S.p.A. The remaining 2% was sold to Federico Ott, one of the partners of Risorsa Uomo, for a price of 500 euros. Finally, following the close of the half-year, YOLO’s management, by delegation from the Board of Directors, continued discussions to consolidate the digital brokerage business into a single company (YOLO Broker) through the acquisition of the remaining shareholdings in AllianceInsay (Phygital-Automotive broker) and RCPolizza.it (a phygital SME broker), companies in which YOLO has held a majority stake since 2023 and 2025 respectively. The closing of the transactions is expected to take place by the end of October, followed by the launch of the process to consolidate them into a single entity. Predictable developments in operations and targets for 2028 Demand for insurance in Italy is growing. In specific, broker-mediated business (approximately 15 billion euros in premiums brokered in 2025) is expected to grow until 2030, in the digital segment, at a compound annual growth rate (CAGR) of 29%. YOLO believes it can capitalise on the opportunities presented by this phase thanks to its phygital-digital distribution model, which is increasingly in line with market demand, and the diversity of its product portfolio. The recovery in the performance of the car dealership channel observed since July, along with organisational rationalisation and the optimisation of the cost structure, supports the expectation of a break-even operating result by 2026. The consolidation of this trend in the coming months remains a key factor in achieving this objective. On the basis of this evidence, the Company has initiated preliminary discussions to participate in market consolidation as the leading tech broker in the sector. Gianluca De Cobelli, Co-founder and CEO of YOLO Group, reported: “The main result for the half-year was the significant improvement in EBITDA, achieved thanks to the review of the organisation and cost structure. The decline in revenue in the car dealership channel was a one-off, and we believe that our subsidiary AllianceInsay is well positioned, as demonstrated by the turnaround in the trend already recorded in July. The recovery in the automotive sector and the progress made in implementing the Strategic Plan confirm that we have achieved a balanced operating result for the financial year”. The press release is available in the Investor/Press Releases section of the website www.yolo-insurance.com. *** For the transmission and storage of Regulated Information, YOLO Group S.p.A. uses the eMarket SDIR dissemination system and the eMarket STORAGE storage mechanism, available at www.emarketstorage.com and managed by Teleborsa S.r.l. – with registered office at Piazza di Priscilla, 4 – Rome.

*** YOLO GROUP YOLO Group is an insurtech company, among the main ones in Italy and with a presence abroad, with two lines of offer: services to enable the digital distribution of insurance products of insurance companies, banks and retailers (e.g., utilities and large-scale distribution); distribution, through partnership agreements, of insurance products made in collaboration with companies. Since its establishment at the end of 2017, YOLO has developed numerous partnerships, in Italy and abroad, to enable digital insurance offerings. In direct distribution, YOLO has adopted, in addition to a digital model, a hybrid model combining digital and physical channels (so-called phygital). In 2022, it launched the Yolo Insurance Network (YIN), a platform that allows smaller insurance agencies and brokers to integrate digital into the physical management and distribution model. YOLO has been listed in the ordinary segment of Euronext Growth Milan since 2022. The main shareholders, in addition to the two co-founders (Gianluca De Cobelli and Simone Ranucci Brandimarte), include Generali Italia, Intesa Sanpaolo Vita, Neva SGR, Primo Capital SGR S.p.A., Enablia, IBL Banca, Net Insurance, Smart4Tech, Banco di Desio e della Brianza. Website: www.yolo-insurance.com CONTACTS Investor Relations Mauro Boccasini investor.relations@yolo-group.com Investor Relations investor.relations@yolo-group.com Media Relations Twister communications group Lucia Saluzzi + 39 347 5536979 Emilio Miosi + 39 338 6546410 yolo@twistergroup.it Euronext Growth Advisor EnVent Italia SIM S.p.A ega@envent.it

STATO PATRIMONIALE CONSOLIDATO

Es. 30.06.2026Es. 31.12.2025ATTIVO:B) IMMOBILIZZAZIONI:I - Immobilizzazioni immateriali 1) costi di impianto e di ampliamento1.041.6171.182.987 2) costi di sviluppo230.331280.662 3) diritti di brevetto industriale e diritti693.263900.820 4) concessioni, licenze, marchi e diritti simili6.0782.530 5) avviamento1.783.1111.922.772 7) altre5.409.1836.001.579Totale immobilizzazioni immateriali9.163.58410.291.350II - Immobilizzazioni materiali 2) impianti e macchinario2.6482.751 3) attrezzature industriali e commerciali38.00024.829 4) altri beni40.05749.791Totale immobilizzazioni materiali80.70577.371III - Immobilizzazioni finanziarie 3) altri titoli 2.3782.378 4) strumenti finanziari derivati attivi 1.062.4501.062.450Totale immobilizzazioni finanziarie1.064.8281.064.828Totale immobilizzazioni10.309.11611.433.549C) ATTIVO CIRCOLANTE I - Rimanenze 4) prodotti finiti e merci20.59016.530Totale rimanenze35.39616.530 II - Crediti: 1) verso clienti6.719.6106.459.319 5-bis) crediti tributari 1.193.6681.391.313 5-ter) imposte anticipate5.706.3015.727.279 5-quater) verso altri862.349634.695Totale crediti14.481.92814.212.607III - Attività fin. che non costit. imm.ni:Totale attività fin che non costit. imm.ni00IV - Disponibilità liquide: 1) depositi bancari e postali 1.845.2642.603.622 2) assegni6.06418.893 3) denaro e valori in cassa10.11937.786Totale disponibilità liquide1.861.4472.660.301Totale attivo circolante16.378.77116.889.437D) RATEI E RISCONTI171.292134.990 * ratei attivi03.000 * risconti attivi171.292131.990Totale ratei e riscontiTOTALE ATTIVO26.859.18028.457.976

Es. 31.12.2025Es. 31.12.2024PASSIVO:A) PATRIMONIO NETTOI - Capitale126.487126.487II - Riserva da soprapprezzo delle azioni/quote29.177.06829.177.068III - Riserve di rivalutazione00IV - Riserva legale00V - Riserve statutarie00VI - Altre riserve, riserva di consolidamento-1.053.263-526.055VIII - Utili (perdite) portate a nuovo-11.979.766-8.676.461IX - Utile (perdita) d'esercizio-3.627.570-3.361.497Totale patrimonio netto di Gruppo12.642.95616.739.542Capitale e riserve di terzi470.291359.681Totale patrimonio netto13.113.24717.099.224B) FONDI PER RISCHI E ONERI 1) per trattamento di quiescenza e obblighi simili29.6590 2) per imposte, anche differite00 4) altri586.861254.711Totale fondi per rischi e oneri616.520254.711C) TRATTAMENTO FINE RAP. LAVORO SUB. 456.177357.466D) DEBITI 1) obbligazioni non convertibili2.500.0000 2) obbligazioni convertibili02.996.300 4) debiti verso banche: - entro l'esercizio successivo1.031.613451.457 - oltre l'esercizio successivo1.269.524687.869 6) acconti03.984 7) debiti verso fornitori5.315.6555.436.75512) debiti tributari417.855299.81813) debiti vs. ist. di prev. e di sicurezza soc.302.716318.45014) altri debiti3.064.8291.630.287Totale debiti13.902.19211.824.920E) RATEI E RISCONTI 369.840255.136 * ratei passivi120.82639.130 * risconti passivi249.014216.006Totale ratei e riscontiTOTALE PASSIVO28.457.97629.791.457

CONTO ECONOMICO CONSOLIDATO

Es. 30.06.2026Es. 30/06/2025A) VALORE DELLA PRODUZIONE1) ricavi delle vendite e delle prestazioni4.519.3525.926.1514) incrementi di immobiliz. per lavori interni295.471314.7715) altri ricavi e proventi:195.149151.610A - Totale valore della produzione5.030.5626.392.532B) COSTI DELLA PRODUZIONE6) materie prime, sussid., di cons. e di merci13.85142.6937) per servizi:3.156.9594.549.8618) per godimento di beni di terzi173.421181.3049) per il personale:0a) salari e stipendi1.475.4671.796.524b) oneri sociali 363.092425.698c) trattamento di fine rapporto112.013118.155d) trattamento di quiescenza e simili2.2061.215e) altri costi22.40122.6841.975.1792.364.27610) ammortamento e svalutazioni:0a) amm.to delle immobilizzazioni immateriali1.794.5631.796.025b) amm.to delle immobilizzazioni materiali14.29515.500d) svalutazioni dei crediti compresi nell'attivo cricolante e delle disponibilità liquide069.0291.808.8581.880.55411) variazioni delle riman. di materie prime, sussidiarie, di consumo e merci16.530-45512) accantonamenti per rischi0106.37714) oneri diversi di gestione144.163262.889B - Totale costi della produzione7.288.9619.387.499Differenza tra valore e costi della produzione (A-B)-2.258.399-2.994.966C) PROVENTI E ONERI FINANZIARI:15) proventi da partecipazioni:16) altri proventi finanziari:d) proventi diversi da precedenti: - da altri:-614.78417) interessi ed altri oneri finanziari - interessi passivi prestito obbligazionario convertibile-107.210-74.908 - interessi passivi banche-54.681-26.04917-bis) utili e perdite su cambi0-7.688C - Totale proventi e oneri finanziari-161.896-93.861D) RETTIFICHE DI VALORE E DI ATT. FIN.:18) rivalutazioni:d) di strumenti finanziari derivati0330.000D - Totale delle rettifiche0330.000Risultato prima delle imposte (A-B +/-C +/-D)-2.420.295-2.758.82720) imposte sul reddito dell'esercizio, correnti, differite e anticipate-2.265643.48721) Utile (perdita) d'esercizio totale-2.422.560-2.115.340Utile (perdita) di terzi49.605130.02721)Utile (perdita) d'esercizio del Gruppo-2.472.165-2.245.366

RENDICONTO FINANZIARIO

RENDICONTO FINANZIARIOA. FLUSSI FINANZIARI DERIVANTI DALLA GESTIONE 30/06/202630/06/2025 REDDITUALE (METODO INDIRETTO) Utile (perdita) dell'esercizio-2.422.560-2.115.240 Imposte sul reddito2.265-643.487 Interessi passivi/(interessi attivi) - proventi finanziari161.89693.861 1. Utile (perdita) dell'esercizio prima d'imposte, interessi e comp. straordinarie-2.258.399-2.664.866 interessi, dividendi e plus/minusvalenze da cessione Rettifiche per elementi non monetari che non hanno avuto contropartita nel capitale circolante netto Accantonamento ai fondi0106.377 Ammortamenti delle immobilizzazioni e svalutazione crediti1.808.8581.811.525 Svalutazioni per perdite durevoli di valore (Rivalutazioni di attività)0-330.000 Altre rettifiche per elementi non monetari-293.511-590.072 2. Flusso finanziario prima delle variazioni del ccn-743.052-1.667.036 Variazione del capitale circolante netto Decremento/(incremento) delle rimanenze-18.866-18.423 Decremento/(incremento) dei crediti vs clienti-260.291390.755 Incremento/(decremento) dei debiti verso fornitori-740.689-859.891 Decremento/(incremento) ratei e risconti attivi-36.302115.039 Incremento/(decremento) ratei e risconti passivi-86.587139.685 Altre variazioni del capitale circolante netto606.64063.655 3. Flusso finanziario dopo le variazioni del ccn-1.279.147-1.836.216 Altre rettifiche149.225 Interessi/proventi finanziari-161.896-93.861 (Imposte sul reddito)-2.265643.487 Dividendi incassati-2.265 Utilizzo dei fondi 4. Flusso finanziario dopo le altre rettifiche-1.296.348-1.286.589 Flusso finanziario della gestione reddituale (A)-1.296.348-1.286.589B. FLUSSI FINANZIARI DERIVANTI DALL'ATTIVITA' D'INVESTIMENTO Immobilizzazioni materiali (Investimenti)-17.628-17.679 Prezzo di realizzo disinvestimenti Immobilizzazioni immateriali (Investimenti)-666.797-985.885 Prezzo di realizzo disinvestimenti Acquisizione o cessione di società controllate o di rami d'azienda al netto delle 0-107.955 disponibilità liquide Flusso finanziario dell'attività di investimento (B)-684.425-1.111.519C. FLUSSI FINANZIARI DERIVANTI DALL'ATTIVITA' DI FINANZIAMENTO Mezzi di terzi Incremento debiti verso banche-340.040-290.966 Mezzi propri Aumento di capitale a pagamento/conferimenti soci1.736.5710 Cessione (acquisto) di azioni proprie00 Dividendi (e acconti su dividendi) pagati-214.61175.421 Flusso finanziario dell'attività di finanziamento (C)1.181.920-215.545Incremento (decremento) delle disponibilità liquide (a+b+c)-798.853-2.613.654Disponibilità liquide iniziali2.660.3015.164.380Disponibilità liquide finali1.861.4472.550.726VARIAZIONE DELLE DISPONIBILITA' LIQUIDE-798.853-2.613.654Importo

Fine Comunicato n.20264-36-2026 Numero di Pagine: 10