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    Predrag Savinovic • Carnegie

    Predrag Savinovic is an Equity Research Analyst at Carnegie Investment Bank, specializing in equity research since joining the firm in September 2019. Based in Stockholm, he is focused on analyzing and reporting on specific Nordic companies within the sector, although detailed coverage companies and performance track records are not publicly available. Prior to joining Carnegie, there is no publicly documented information regarding earlier professional experience. Information regarding his professional credentials, including FINRA registrations or securities licenses, is not available from public records.

    Predrag Savinovic's questions to Yubico AB (YUBCF) leadership

    Predrag Savinovic's questions to Yubico AB (YUBCF) leadership • Q1 2025

    Question

    Predrag Savinovic asked for details on the Q1 gross margin decline, the outlook for Q2 margins given FX rates, the start of Q2 bookings, whether customer pauses are Yubico-specific, and what steps are being taken to improve sales processes.

    Answer

    CFO Camilla Oberg attributed the gross margin pressure to a stronger Swedish krona and significant FX volatility, contrasting with a positive inventory revaluation in Q4. CEO Mattias Danielsson added that while there are short-term swings, he is optimistic about maintaining ~80% margins long-term. Regarding Q2, Danielsson stated it's too early to predict bookings but confirmed the Q1 hesitation has continued. He also detailed sales improvement initiatives, including building a global channel program and a new commercial sales team for mid-sized companies.

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    Predrag Savinovic's questions to Yubico AB (YUBCF) leadership • Q3 2024

    Question

    Predrag Savinovic from Carnegie inquired about the PKO Bank partnership, asking about other potential unannounced deals in the financial sector. He also questioned the current and future impact of cybersecurity regulations like NIS2 and the company's pricing strategy.

    Answer

    CEO Mattias Danielsson confirmed the PKO Bank partnership is a public example of a broader trend and acknowledged that other, unannounced pilots with financial institutions are in progress, each with different structures. He stated that regulations like NIS2 are already providing a tailwind that is expected to increase. On pricing, Danielsson explained that Yubico prefers to increase prices by adding functionality or through new versions, and by encouraging adoption of more advanced, higher-cost products and subscription offerings, rather than simple inflationary adjustments.

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