Groupama is tracked as a French mutual insurance group, headquartered in France. Groupama adds a federated mutual structure in which the central body, regional mutuals, and branded operating insurers require a different entity map from a conventional listed holding company.
Source-reviewed company references
Groupama: 2025 Annual Report / regulatory capital
The annual report records EUR 20.0 billion revenue, EUR 1.0 billion net income, and a 274% solvency ratio including transitional measures.
Why it matters: This card anchors Groupama evidence from 2025 Annual Report / regulatory capital and preserves the stated disclosure scope.
HTTP 200 official annual-report page reviewed. Keep the combined mutual scope and transitional-measure label.
HTTP 200 official annual-report page reviewed. Keep the combined mutual scope and transitional-measure label.
Groupama: Financial Calendar / reporting calendar
The calendar corroborates publication timing for annual results and financial disclosures.
Why it matters: This card anchors Groupama evidence from Financial Calendar / reporting calendar and preserves the stated disclosure scope.
HTTP 200 official page reviewed. A publication date is not the underlying financial reporting period.
HTTP 200 official page reviewed. A publication date is not the underlying financial reporting period.
Groupama: FY2025 Results Release / full-year results
Premium income was EUR 20.0 billion, insurance revenue EUR 17.3 billion, net income EUR 1.0 billion, combined ratio 93.9%, and solvency ratio 222% without transitional measures.
Why it matters: This card anchors Groupama evidence from FY2025 Results Release / full-year results and preserves the stated disclosure scope.
HTTP 200 official results page reviewed. The 274% solvency ratio includes the transitional measure and must remain separately labeled.
HTTP 200 official results page reviewed. The 274% solvency ratio includes the transitional measure and must remain separately labeled.
Groupama: Group Structure Overview / corporate identity
The profile supports Groupama's mutual identity and the relationship among the central body, regional mutuals, and operating brands.
Why it matters: This card anchors Groupama evidence from Group Structure Overview / corporate identity and preserves the stated disclosure scope.
HTTP 200 official page reviewed. Do not model the regional mutuals as ordinary subsidiaries without source support.
HTTP 200 official page reviewed. Do not model the regional mutuals as ordinary subsidiaries without source support.
Full company reference archive
View the complete source-reviewed company reference archive, including reporting periods, source dates, reviewed dates, methodology notes, reader cautions, and official source links.
Business And Entity Overview
Groupama's finance hub provides current FY2025 results and solvency-report paths, supplemented by group structure and reporting-calendar evidence. The profile is bounded to Groupama Assurances Mutuelles and the consolidated or parent scope identified by each source. It does not transfer group figures automatically to every licensed insurer, branch, brand, or other subsidiary.
Source-Reviewed Evidence
- FY2025 Results Release / full-year results (FY2025 results published 2026-03-20). Premium income was EUR 20.0 billion, insurance revenue EUR 17.3 billion, net income EUR 1.0 billion, combined ratio 93.9%, and solvency ratio 222% without transitional measures. Scope: Groupama Group consolidated. Caution: HTTP 200 official results page reviewed. The 274% solvency ratio includes the transitional measure and must remain separately labeled.
- Group Structure Overview / corporate identity (Current profile reviewed 2026-07-15). The profile supports Groupama's mutual identity and the relationship among the central body, regional mutuals, and operating brands. Scope: Groupama mutual group, central body, and named networks. Caution: HTTP 200 official page reviewed. Do not model the regional mutuals as ordinary subsidiaries without source support.
- 2025 Annual Report / regulatory capital (FY2025, published 2026-04-30). The annual report records EUR 20.0 billion revenue, EUR 1.0 billion net income, and a 274% solvency ratio including transitional measures. Scope: Groupama Group combined scope. Caution: HTTP 200 official annual-report page reviewed. Keep the combined mutual scope and transitional-measure label.
- Financial Calendar / reporting calendar (2026 calendar reviewed 2026-07-15). The calendar corroborates publication timing for annual results and financial disclosures. Scope: Groupama public financial reporting events. Caution: HTTP 200 official page reviewed. A publication date is not the underlying financial reporting period.
Entity Boundary
Use Groupama Assurances Mutuelles as the central mutual body and Groupama Group only for consolidated disclosures. Regional mutuals, Groupama Gan Vie, Gan Assurances, and other operating entities retain separate legal and regulatory scopes. The mutual group, central body, regional mutuals, and operating insurers are distinct. Do not infer listed-company ownership concepts or transfer a group ratio to a legal entity.
Lines And Geographic Context
The reviewed source pack supports connections to Property and Casualty, Life and Health. France is the home-jurisdiction reference; other geographies require their own segment or legal-entity support.
Why This Profile Exists
Keeping the 4 reviewed source cards together gives readers a stable route from corporate identity to periodic reporting, capital or regulatory context, and public listing or profile evidence. The profile does not present a score, comparison table, or commercial recommendation.
Reader Note
This profile is source-led reference material. Periodic figures retain the source's metric label, unit, reporting period, and entity scope. Ratings, regulatory measures, listing records, and issuer-defined measures are contextual evidence, not standalone judgments about financial strength, suitability, security value, product choice, pricing, or available insurance capacity.