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Groupama Company Source Reference Guide

A source-led guide to Groupama's official reporting, entity boundary, disclosure periods, and company reference cards.

Article Intelligence

How this article maps to Sureligence

Published date
Last reviewed date
Source quality
Company disclosureOfficial public record
Lines
Life and healthProperty and casualty
Primary company
Groupama
Primary tracker
Company Intelligence

Groupama Company Source Reference Guide

Groupama is organised around a central mutual body and regional mutuals, not a conventional listed-company chain. The consolidated group, Groupama Assurances Mutuelles and branded operating insurers occupy different positions within the mutual federation and its combined reporting perimeter.

What to read first

Current performance appears in the FY2025 results release, while the group-structure page explains the mutual organisation. The annual report supplies the broader reporting context, and the financial calendar confirms publication timing rather than the period measured.

Reporting perimeter and reporting period

Groupama's French mutual structure centres on Groupama Assurances Mutuelles and regional mutuals rather than a listed holding-company chain. Its combined group reporting, central-body disclosures and operating-insurer records reflect different parts of that federation.

Official sources and what they establish

FY2025 Results Release / full-year results

Groupama Assurances Mutuelles; FY2025 results published 2026-03-20. Groupama Group consolidated. 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. The 274% solvency ratio is a separate measure that includes the transitional adjustment.

Group Structure Overview / corporate identity

Groupama Assurances Mutuelles; Current profile reviewed 2026-07-15. Groupama mutual group, central body, and named networks. The profile supports Groupama's mutual identity and the relationship among the central body, regional mutuals, and operating brands.

2025 Annual Report / regulatory capital

Groupama Assurances Mutuelles; FY2025, published 2026-04-30. Groupama Group combined scope. The annual report records EUR 20.0 billion revenue, EUR 1.0 billion net income, and a 274% solvency ratio including transitional measures.

Financial Calendar / reporting calendar

Groupama Group; 2026 calendar reviewed 2026-07-15. Groupama public financial reporting events. The calendar corroborates publication timing for annual results and financial disclosures. A publication date is not the underlying financial reporting period.

Group, legal-entity and subsidiary boundaries

Groupama Assurances Mutuelles acts as the central body within a federation that includes regional mutuals and operating insurers such as Groupama Gan Vie and Gan Assurances. Combined group solvency and performance measures do not describe each constituent legal entity on a solo basis.

Interpretation notes and limitations

The 222% solvency ratio without transitional measures and the 274% figure including them are differently defined. Neither percentage can be transferred to a regional mutual or operating insurer without entity-specific evidence.

Related intelligence

Sources and methodology