Groupama needs an entity-specific source guide. 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. The canonical company surface is the Groupama profile, while the references archive is the source-card record.
The qualified pack contains 4 cards across 4 source categories and 2 source owners or independently maintained paths. Its latest recorded reporting period is FY2025, year ended 2025-12-31. Those counts describe evidence coverage, not a score or a claim that every source measures the same thing.
Article Intelligence
- Primary company: Groupama.
- Canonical legal or group name: Groupama Assurances Mutuelles.
- Entity type: French mutual insurance group.
- Home jurisdiction: France.
- Latest recorded report period: FY2025, year ended 2025-12-31.
- Source-pack depth: 4 cards, 4 categories, and 2 owners or paths.
- Canonical company archive: Groupama references.
Why This Source Map Is Distinct
Groupama's finance hub provides current FY2025 results and solvency-report paths, supplemented by group structure and reporting-calendar evidence. Together, the cards establish a route from identity and business scope to periodic reporting and capital, regulatory, ratings, exchange, or profile context. They do not merge those source types into one universal measure.
Reading The Source Categories
1. FY2025 Results Release / full-year results
Owner: Groupama Assurances Mutuelles. Category: FY2025 Results Release / full-year results. Reporting period: FY2025 results published 2026-03-20. Entity scope: Groupama Group consolidated. Evidence: 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. Caution: HTTP 200 official results page reviewed. The 274% solvency ratio includes the transitional measure and must remain separately labeled.
2. Group Structure Overview / corporate identity
Owner: Groupama Assurances Mutuelles. Category: Group Structure Overview / corporate identity. Reporting period: Current profile reviewed 2026-07-15. Entity scope: Groupama mutual group, central body, and named networks. Evidence: The profile supports Groupama's mutual identity and the relationship among the central body, regional mutuals, and operating brands. Caution: HTTP 200 official page reviewed. Do not model the regional mutuals as ordinary subsidiaries without source support.
3. 2025 Annual Report / regulatory capital
Owner: Groupama Assurances Mutuelles. Category: 2025 Annual Report / regulatory capital. Reporting period: FY2025, published 2026-04-30. Entity scope: Groupama Group combined scope. Evidence: The annual report records EUR 20.0 billion revenue, EUR 1.0 billion net income, and a 274% solvency ratio including transitional measures. Caution: HTTP 200 official annual-report page reviewed. Keep the combined mutual scope and transitional-measure label.
4. Financial Calendar / reporting calendar
Owner: Groupama Group. Category: Financial Calendar / reporting calendar. Reporting period: 2026 calendar reviewed 2026-07-15. Entity scope: Groupama public financial reporting events. Evidence: The calendar corroborates publication timing for annual results and financial disclosures. Caution: HTTP 200 official page reviewed. A publication date is not the underlying financial reporting period.
Reporting Periods And Company-Specific Facts
The source cards above contain the pack's principal numerical evidence from FY2025 Results Release / full-year results, 2025 Annual Report / regulatory capital. Each fact remains inside its complete reporting-period and entity-scope record rather than being detached into a current-value table. Units, currencies, denominators, statutory or non-statutory labels, and issuer-defined terminology must remain exactly as the applicable card records them.
Period discipline matters here. A current profile page, an annual report, a regulatory return, a ratings page, and an exchange record can all be valid while answering different questions. The source date and reviewed date do not replace the underlying reporting period, and group totals cannot be moved to a subsidiary or business line without explicit support.
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. The guide therefore keeps the parent, consolidated group, operating insurers, brands, branches, joint ventures, and non-insurance businesses separate whenever the dossier identifies those distinctions.
What The Pack Can And Cannot Establish
The pack can establish source ownership, source category, accepted URL, reporting period, reviewed date, and the entity or segment scope stated on each card. It can also support the company-specific facts recorded in the dossier when their labels, units, currencies, denominators, and periods are preserved.
It cannot establish current security value, relative ranking, product suitability, available underwriting capacity, present pricing, placement terms, private treaty terms, or a standalone conclusion about solvency. Issuer-defined measures remain tied to the issuer's methodology and are not automatically comparable with similarly named measures from another insurer.
How To Use This Map
Start with the source category that matches the question. Use annual or full-year reporting for period-specific group facts, regulatory material for the named regulatory perimeter, ratings material for the named rated entity and opinion type, and exchange or corporate-profile material only for identity and public-record context. Then confirm the card's period, entity scope, unit, and caution before carrying any fact into another editorial surface.
Related Intelligence
- Groupama company profile for bounded company context.
- Groupama references for the complete source-card archive.
- Property and Casualty for source-supported line context.
- Life and Health for source-supported line context.
- Methodology and Editorial Standards for InsureSouk source-handling rules.
Source Limitations
Public corporate, regulatory, exchange, filing, and ratings materials remain periodic and purpose-specific. They do not provide private underwriting files, policy terms, current placement information, or a complete view of every subsidiary. The entity and source-specific cautions recorded above remain controlling.
Reader Note
This article is editorial reference material. It is not a recommendation about an insurer, policy, product, security, rating, jurisdiction, or market. Readers making financial, insurance, legal, regulatory, underwriting, pricing, placement, or risk-management decisions should use current primary documents and appropriate professional review.
Sources and methodology
- FY2025 Results Release / full-year results — Groupama Assurances Mutuelles. Reporting period: FY2025 results published 2026-03-20. Entity scope: Groupama Group consolidated.
- Group Structure Overview / corporate identity — Groupama Assurances Mutuelles. Reporting period: Current profile reviewed 2026-07-15. Entity scope: Groupama mutual group, central body, and named networks.
- 2025 Annual Report / regulatory capital — Groupama Assurances Mutuelles. Reporting period: FY2025, published 2026-04-30. Entity scope: Groupama Group combined scope.
- Financial Calendar / reporting calendar — Groupama Group. Reporting period: 2026 calendar reviewed 2026-07-15. Entity scope: Groupama public financial reporting events.
- Groupama company profile. Used as the bounded company context surface.
- Groupama references archive. Expected to hold the source-reviewed cards created from this qualified dossier.
- Method. Only the accepted dossier sources are used. Numerical statements retain the recorded period and entity scope; no ranking, comparison table, recommendation, forecast, or current-capacity claim is created.