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2025 Results Press release Analysts Conference Call: March, 23rd at 11 a.m.
Motor, home, agricultural, services, business, professionnals and local authorities
Individual health, individual protection, life insurance – individual savings/pensions, group insurance
Asset management, property management, employee savings, banking
Legal protection, credit insurance, assistance, remote surveillance of property and persons
20 March 2026
Groupama delivered very strong results, with economic operating income up 22.8% and net income reaching €1.0 billion.
• Growth in activity in all business lines: property and casualty insurance (+6.2%), health and protection (+8.4%) and savings & pensions (+14.3%) • Sustained growth in France (+7.7%) and in international subsidiaries (+11.3%) • Insurance revenue (IFRS 17) of €17.3 billion, up +6.2%
• Economic operating income of €1.2 million, up €22.8 million • Climate-related losses of €895 million, gross of reinsurance (slightly higher than in 2024) • Combined ratio of 93.9%
• Solvency ratio of 274% with the transitional measure on technical provisions • Shareholders’ equity of €12.0 billion, up +€1.5 billion • Contractual service margin of €4.4 billion
Groupama reports very solid results of which we are proud and which strengthen our Group's model. We are also aligned with our Ambition 2030 plan, which relies on the strong commitment of our employees and elected members to achieve our objectives. I am also pleased with our actions in terms of prevention and sustainability, which have been recognised through the awarding of the Engagé RSE label by AFNOR. Laurent PoupartChairman of the Board of Directors of Groupama Assurances Mutuelles
Groupama reports very solid results of which we are proud and which strengthen our Group's model. We are also aligned with our Ambition 2030 plan, which relies on the strong commitment of our employees and elected members to achieve our objectives. I am also pleased with our actions in terms of prevention and sustainability, which have been recognised through the awarding of the Engagé RSE label by AFNOR.
The year 2025 follows on from 2024 with solid results generated by all the Group's entities, in a favourable financial environment but with climate-related claims well above the historical average. These results are affected by the exceptional tax on large companies' income. The Group continues to advance along its strategic roadmap, Ambition 2030, with organic growth based on customer satisfaction as its top priority. Thierry MartelCEO of Groupama Assurances Mutuelles
The year 2025 follows on from 2024 with solid results generated by all the Group's entities, in a favourable financial environment but with climate-related claims well above the historical average. These results are affected by the exceptional tax on large companies' income. The Group continues to advance along its strategic roadmap, Ambition 2030, with organic growth based on customer satisfaction as its top priority.
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