Yolo Group SpA (MIL:YOLO) Effective Interest Rate on Debt %: 5.78% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MIL:YOLO Yolo Group SpA MIL:YOLO
47 GF Score
Price €0.62
GF Value €1.99
Valuation Significantly Undervalued
View Full Analysis

What is Yolo Group SpA Effective Interest Rate on Debt %?

Yolo Group SpA MIL:YOLO +2.48% 47 Effective Interest Rate on Debt % is 5.78% as of Dec. 2025. GuruFocus rates MIL:YOLO with a GF Score™ of 47/100 and a GF Value™ of €1.99 (Significantly Undervalued).

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Yolo Group SpA's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was €0.25 Mil. Yolo Group SpA's average total debt for the quarter that ended in Dec. 2025 was €4.32 Mil. Therefore, Yolo Group SpA's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 5.78%.


Yolo Group SpA  (MIL:YOLO) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Yolo Group SpA Effective Interest Rate on Debt % Related Terms


Yolo Group SpA Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Yolo Group SpA's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Yolo Group SpA Effective Interest Rate on Debt % Chart

Yolo Group SpA Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 0.00 1.85 5.58 4.98 5.06

Yolo Group SpA Semi-Annual Data
Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.97 5.43 4.44 5.06 5.78

MIL:YOLO vs MRSH, AON, AJG: Effective Interest Rate on Debt % Comparison

For the Insurance Brokers subindustry, Yolo Group SpA's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Yolo Group SpA Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Yolo Group SpA's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Yolo Group SpA's Effective Interest Rate on Debt % falls into.


MIL:YOLO
47GF Score
Yolo Group SpA MIL:YOLO
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Yolo Group SpA Effective Interest Rate on Debt % Calculation

Yolo Group SpA's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -0.226/( (4.135+4.801)/ 2 )
=-1  *  -0.226/4.468
=5.06 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.684 + 0.451
=4.135

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4.123 + 0.678
=4.801

Yolo Group SpA's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2025 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -0.25/( (3.845+4.801)/ 2 )
=-1  *  -0.25/4.323
=5.78 %

where

Total Debt  (Q: Jun. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3.618 + 0.227
=3.845

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4.123 + 0.678
=4.801

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 5.78% mean?
Yolo Group SpA (MIL:YOLO) has a Effective Interest Rate on Debt % of 5.78% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Yolo Group SpA and its competitors.
Is Yolo Group SpA's Effective Interest Rate on Debt % too high?
Yolo Group SpA's current Effective Interest Rate on Debt % is 5.78%. Overall, Yolo Group SpA has a GF Score™ of 47/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Yolo Group SpA's Effective Interest Rate on Debt % compare to MRSH and AON?
Yolo Group SpA's Effective Interest Rate on Debt % of 5.78% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Yolo Group SpA and its competitors. Yolo Group SpA's current Effective Interest Rate on Debt % is 5.78%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yolo Group SpA stock overvalued right now?
Based on GuruFocus' analysis, Yolo Group SpA (MIL:YOLO) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.99, compared to a current price of €0.62 — trading 68.8% below its estimated fair value. The current Effective Interest Rate on Debt % is 5.78%. Yolo Group SpA's overall GF Score™ is 47/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Yolo Group SpA (MIL:YOLO), the current Effective Interest Rate on Debt % is 5.78% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Yolo Group SpA (MIL:YOLO) Overvalued in 2026?

Based on GuruFocus' analysis, Yolo Group SpA stock appears to be undervalued. The current stock price of €0.62 is trading 68.8% below its estimated GF Value™ of €1.99. GuruFocus considers Yolo Group SpA to be Significantly Undervalued.

Key valuation signals for MIL:YOLO:

  • Effective Interest Rate on Debt %: 5.78%
  • GF Value™: €1.99 vs. price of €0.62 (68.8% below fair value)
  • GF Score™: 47/100

No single metric tells the full story. See the MIL:YOLO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Yolo Group SpA Business Description

Address Via Fabio Filzi 27, Milan, ITA, 20124
Yolo Group SpA operates as a digital insurance brokerage firm. The company distributes digital insurance policies. It offers end-to-end operations; Integrated marketplace; Customer engagement, and a Remarketing Engine.
47GF Score

Get the complete analysis for MIL:YOLO

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.62
Price
€1.99
GF Value