HEDIOS
HEDIOS is an independent French financial services firm that designs and directly distributes its proprietary "Gammes H" structured investment products to French retail investors (and legal entities) via a 100% online platform and Suravenir insurance wrappers.
- Company typePrivate
- Founded2009
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What HEDIOS does
HEDIOS is a French independent financial services company founded in 2009, specializing in the design and direct-to-consumer distribution of structured investment products known as "Gammes H." Headquartered in Paris with offices in London and Réunion, the firm serves primarily French individual investors (with a smaller legal-entity segment via Hedios Capi Société) seeking equity-linked returns combined with capital protection — a profile historically underserved by traditional euro-denominated savings contracts. The company is structured as a Société Anonyme under French law with €1,011,724 in capital and operates as an insurance broker and Financial Investment Advisor (CIF) under ORIAS, ACPR, AMF, and CNCGP supervision, distributed via Suravenir insurance contracts (a Crédit Mutuel Arkéa subsidiary).
The firm's core technology consists of proprietary structured debt securities indexed to European equity indices (e.g., Euro iStoxx 50 variants) that combine bond components with option strategies (call and put options) to deliver target returns while providing either full capital guarantee or conditional protection (typically at a -30% barrier) at maturity. The Gammes H range comprises four product variants: H Capital (capital guarantee with an airbag mechanism protecting accumulated gains against declines up to 20%), H Absolu (returns paid in market stability or moderate movement scenarios), H Rendement (quarterly or semi-annual autocall targeting ~10% annual returns), and H Performance (higher-yield ~35% first-year targets under annual early redemption conditions). A distinctive proprietary feature is the "Effet Mémoire" (memory effect), under which non-received remunerations accumulate and are paid retroactively with compounded annual remuneration when the underlying condition is met. Since inception the firm has launched 164 structured supports, of which 145 have matured at the May 31, 2026 reference date, with a published average annual net return of 10.26% (net of all fees on a 0.60% annual fee assumption) and no recorded capital loss on any reimbursed product.
HEDIOS operates a direct-to-consumer go-to-market with a 100% online subscription process backed by dedicated advisor support by phone. Products are delivered as unit-linked supports inside four wrapper vehicles — Hedios Life (multi-support life insurance), Suravenir PER (retirement plan), Hedios Life Capi (capitalisation contract), and Hedios Capi Société (corporate capitalisation) — all administered by Suravenir. Revenue mechanics comprise two disclosed streams: (1) issuer commissions of up to 0.65% per year of nominal amount for designing and distributing Gammes H, and (2) insurance brokerage commissions from Suravenir of up to 50% of total fees on euro and unit-linked accounts. End-client pricing is set at €1,000 nominal per unit with no subscription or management fees on the Mandat Gammes H discretionary service, and capital guarantees are sourced via competitive tendering across a reference bank panel (Goldman Sachs, BNP Paribas, Société Générale, Natixis, Morgan Stanley, JPMorgan, Barclays, Crédit Agricole, La Banque Postale, Crédit Mutuel Arkéa, Citigroup). The firm claims 7,000+ clients and €1 billion in cumulative subscriptions and has received multiple SRP Europe Awards (Best Performance France in 2022, 2023, 2025, 2026; Best Performance Europe in 2022 and 2025).
HEDIOS firmographics
Firmographics- Name
- HEDIOS
- Legal name
- Hedios
- Website
- https://hedios.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- HEDIOS is an independent French financial services firm that designs and directly distributes its proprietary "Gammes H" structured investment products to French retail investors (and legal entities) via a 100% online platform and Suravenir insurance wrappers.
- Ownership category
- akta.pro rank
HEDIOS industry classification
Industry- Product category
- Structured Investment Products
- NAICS
- Investment Banking and Securities Intermediation (52315)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Structured Certificates & Warrants (Turbo/Knock-Out/Bonus/Discount) (FSACAMAL)
- akta.pro secondary industry
- Exotic Derivatives & Structured Options (FSACADAH)
Keywords
Where HEDIOS is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
HEDIOS business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Product structuring fees from issuers: For its activity as designer, promoter, and distributor of Gammes H, Hedios receives from issuers a maximum of 0.65% per year of the nominal amount calculated on the basis of the maximum duration of the support. Payment of the entirety of the commission may be made in a single installment at the issuance of debt securities.
- Insurance brokerage commissions: For its insurance broker activity, Hedios receives from Suravenir an annual commission of a maximum amount of 50% of the total fees charged by Suravenir on rights expressed in euros and/or unit-linked accounts on the various distributed contracts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Multi-year contract | H Capital - Capital guaranteed products with lower returns |
| Unit Pricing | Multi-year contract | H Absolu - Products offering gains in market stability scenarios |
| Unit Pricing | Multi-year contract | H Rendement - Quarterly/annual redemption products |
| Unit Pricing | Multi-year contract | H Performance - Higher return products with higher risk |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
HEDIOS product offering
Product offeringCore offering
HEDIOS designs and distributes its own proprietary structured investment products called "Gammes H" (H Capital, H Absolu, H Rendement, H Performance), which combine bond components with option strategies on European equity indices to provide capital protection or conditional protection at maturity with upside performance potential. These structured products are distributed exclusively through Suravenir insurance and capitalisation contracts (Hedios Life, Suravenir PER, Hedios Life Capi, Hedios Capi Société), available to French retail investors and legal entities via a 100% online subscription process.
Product overview
HEDIOS offers the Gammes H suite of structured investment products (H Capital, H Absolu, H Rendement, H Performance) distributed through four investment vehicles: Hedios Life (life insurance), Suravenir PER (retirement savings), Hedios Life Capi (capitalisation), and Hedios Capi Société (corporate capitalisation). The company also provides the Mandat Gammes H, a discretionary portfolio management service. Gammes H are complex debt securities indexed to European equity indices, offering potential returns while providing capital protection at maturity, with the memory effect ensuring full period compensation upon favorable outcomes.
Differentiator
Problem solved
Functional benefit
Brands
- Gammes H: A range of structured savings products allowing investors to benefit from stock market performance while enjoying capital guarantees or conditional protection at maturity, indexed on European equity indices.
- H Capital
- H Absolu
- H Rendement
- H Performance
- Mandat Gammes H
- Hedios Life
- Suravenir PER
- Hedios Life Capi
- Hedios Capi Société
Products and services
- Gammes H Structured Products Proprietary structured investment products indexed to European equity indices combining bond components with option strategies, offering capital guarantee or conditional protection at maturity with performance linked to underlying index movements. Distributed to French individual investors.
- H Capital Capital-guaranteed structured product with Airbag mechanism protecting accumulated gains even in case of market decline up to -20%. Target annual return around 6% (net max 5.25% with 0.60% annual fee assumption).
- H Absolu Structured product offering gains in case of market stability or moderate performance, with memory effect benefitting accumulated years. Target annual return of 7% per year elapsed in case of automatic early redemption.
- H Rendement Higher-yield structured product with quarterly or semi-annual automatic early redemption possibilities. Target annual return of 10% (net max 9.14% with 0.60% annual fee assumption). Conditional protection up to -30% at maturity.
- H Performance Highest-yielding structured products within Gammes H, with annual early redemption possibilities. Target returns of 35% or more in first year (net max 33.43% with 0.60% annual fee assumption). Higher trigger levels and protection barriers.
- Hedios Life Multi-support individual life insurance contract managed by Suravenir, allowing investment in Gammes H structured products as unit-linked funds for individual French investors.
- Suravenir PER Individual Pension Savings Plan (PERIN) multi-support group insurance contract managed by Suravenir, allowing investment in Gammes H structured products for retirement with immediate tax reduction and reduced fees.
- Hedios Life Capi Individual multi-support capitalisation contract allowing investment in Gammes H structured products, with benefits for donations and succession planning without contract termination.
- Hedios Capi Société Individual unit-linked capitalisation contract designed for legal entities (companies, SCI, foundations) to invest in Gammes H structured products for corporate treasury management and wealth optimisation.
- Mandat Gammes H Discretionary portfolio management mandate allowing HEDIOS to manage the client's portfolio by automatically selecting and reinvesting in new Gammes H structured products. No additional subscription or management fees charged by HEDIOS for this service.
Quantifiable outcome
- 10.26% average annual net return since 2009 (net of all fees, before taxes)
- +4 more outcomes
Companies that use HEDIOS
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
HEDIOS technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
HEDIOS partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and major.
- SuravenircoreSuravenir is the insurance company that manages all Hedios contracts including Hedios Life (individual life insurance), Suravenir PER (retirement plan), Hedios Life Capi (capitalization contract), and Hedios Capi Société (corporate capitalization). Suravenir is a subsidiary of Crédit Mutuel Arkéa. Hedios exclusively distributes its Gammes H structured products through Suravenir contracts. Suravenir is responsible for contract management, policyholder services, and fund administration.
- Goldman SachsmajorGoldman Sachs is one of the banks referenced by Suravenir as eligible guarantors for Gammes H structured products. Banks provide capital guarantee for the formula/structure of Hedios products. Hedios issues products through competitive tendering with multiple banks to ensure best conditions for investors.
- BNP ParibasmajorBNP Paribas is listed as one of the banks eligible to provide capital guarantee for Gammes H products. Banks compete in tender processes to issue Hedios structured products at optimal conditions.
- Société GénéralemajorSociété Générale is one of the reference banks providing capital guarantee for Gammes H structured products. Banks participate in competitive tendering to issue Hedios products.
- NatixismajorNatixis is listed among the banks eligible to guarantee Gammes H structured products.
- Morgan StanleymajorMorgan Stanley is listed among the banks eligible to provide capital guarantee for Gammes H structured products.
- J.P. MorganmajorJ.P. Morgan is listed among the banks eligible to provide capital guarantee for Gammes H structured products.
- BarclaysmajorBarclays is listed among the banks eligible to provide capital guarantee for Gammes H structured products.
- Crédit AgricolemajorCrédit Agricole is listed among the banks eligible to provide capital guarantee for Gammes H structured products.
- La Banque PostalemajorLa Banque Postale is listed among the banks eligible to provide capital guarantee for Gammes H structured products.
- Crédit Mutuel ArkéamajorCrédit Mutuel Arkéa is the parent company of Suravenir, the exclusive insurance partner for Hedios contracts. Listed as eligible guarantor for Gammes H products.
- CitigroupmajorCitigroup is listed among the banks eligible to provide capital guarantee for Gammes H structured products.
Scale indicators8 records
Recent moves8 records
Expansion highlights6 records
HEDIOS competitors and assessment
Company assessmentEmerging players
- Nalo: French online savings and investment platform offering personalized portfolio management to individual investors, with a focus on automated savings across investment vehicles. Nalo is a partial competitor and substitute for the same French retail customer seeking yield from non-traditional savings products.
- Yomoni: Leading French online (D2C) wealth management platform offering ETF-based managed portfolios to French retail investors. Yomoni competes with HEDIOS indirectly by addressing the same target customer's search for alternative savings yields in a low-rate environment, though via passive ETF portfolios rather than actively structured products.
Broad incumbents
- Fortuneo: French online bank and broker offering structured products within its life insurance and brokerage wrappers to French retail customers. Fortuneo competes with HEDIOS in the French online retail investment space, particularly for clients seeking capital-protected structured products via direct digital channels.
- Boursorama: France's largest online bank and broker, offering a wide catalogue of structured products and unit-linked supports within its life insurance contracts to a very large French retail client base. Boursorama is a broad incumbent competitor to HEDIOS's D2C structured product distribution within the same French retail savings market.
- BNP Paribas: France's largest bank with a substantial global structured products issuance business and broad retail distribution via BNP Paribas Banque Privée and online channels. BNP Paribas is also a guarantor-bank partner for HEDIOS's Gammes H while competing directly in the same structured product category.
- Amundi: Europe's largest asset manager and a major player in structured products through its Lyxor franchise, offering capital-protected notes and structured funds to retail and institutional investors across France and the broader European Union. Amundi's structured product offering competes with HEDIOS for the same retail allocation of French savings.
- Natixis: French corporate and investment bank with significant structured products and equity derivatives capabilities, distributing through various retail and institutional channels. Natixis is both a guarantor-bank partner referenced in HEDIOS products and a competing issuer in the French structured retail product market.
- Société Générale: Major French universal bank with one of Europe's largest in-house structured products issuance franchises, distributing through private banking, retail, and online channels. Société Générale is simultaneously a guarantor-bank partner of HEDIOS and a competing issuer of equity-indexed autocall products targeting the same French retail investor base.
Direct peers
- Leonteq: Swiss-headquartered specialist in structured investment products, operating a similar platform-style model of designing and distributing structured products to retail and institutional clients across Europe. Leonteq is the closest direct comparable to HEDIOS in terms of product architecture (investment certificates with capital protection and yield features), customer base, and bank-style counterparty distribution.
- Vontobel: Swiss private bank and asset manager with a leading structured products and derivatives issuance platform serving European retail and wealth clients. Vontobel's investment banking-style structured products business directly overlaps with HEDIOS's Gammes H design and distribution mandate in the cross-border European structured product market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
HEDIOS social profiles
Digital presenceHEDIOS compliance and trust
Trust signalCompliance5 records
HEDIOS financial estimates
Financial estimateRevenue estimate
Valuation estimate
HEDIOS leadership team
Management profileNumber of profiles
Profiles1 record
HEDIOS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HEDIOS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HEDIOS
What does HEDIOS do?
HEDIOS designs and distributes its own proprietary structured investment products called "Gammes H" (H Capital, H Absolu, H Rendement, H Performance), which combine bond components with option strategies on European equity indices to provide capital protection or conditional protection at maturity with upside performance potential. These structured products are distributed exclusively through Suravenir insurance and capitalisation contracts (Hedios Life, Suravenir PER, Hedios Life Capi, Hedios Capi Société), available to French retail investors and legal entities via a 100% online subscription process.
Is HEDIOS a public or private company?
HEDIOS is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was HEDIOS founded?
HEDIOS was founded in 2009. It employs 11 to 50 people.
Where is HEDIOS based?
HEDIOS is headquartered in Paris, France, in the Europe region.
How does HEDIOS make money?
Two revenue lines are on record. Product structuring fees from issuers are the primary driver. The others are insurance brokerage commissions.
Who are HEDIOS's main competitors?
Emerging players on record are Nalo and Yomoni. Broad incumbents are Fortuneo, Boursorama, BNP Paribas, Amundi, Natixis and Société Générale. Direct peers are Leonteq and Vontobel.
Does HEDIOS have an API?
No public API is recorded for HEDIOS.
What industry is HEDIOS in?
HEDIOS's product category is Structured Investment Products. Its primary akta.pro industry code is FSACAMAL, Structured Certificates & Warrants (Turbo/Knock-Out/Bonus/Discount), with a secondary code of FSACADAH, Exotic Derivatives & Structured Options. Its NAICS code is 52315 and its SIC code is 6211.