Ameriprise Financial (NYSE:AMP) Announces Quarterly Earnings Results, Beats Estimates By $0.50 EPS

Ameriprise Financial (NYSE:AMP) issued its quarterly earnings results on Thursday. The financial services provider reported $10.83 EPS for the quarter, topping the consensus estimate of $10.33 by $0.50, FiscalAI reports. Ameriprise Financial had a net margin of 20.12% and a return on equity of 64.97%. The firm had revenue of $4.90 billion for the quarter, compared to analysts’ expectations of $4.75 billion. Ameriprise Financial’s revenue for the quarter was up 10.2% compared to the same quarter last year. During the same period in the previous year, the business earned $9.54 earnings per share.

Here are the key takeaways from Ameriprise Financial’s conference call:

• Management reported record fourth-quarter results with adjusted operating revenue of $4.9B, adjusted EPS up 16% to $10.83, and a record ROE of 53.2%, driven by strong markets and organic growth.
• Organic client momentum was highlighted as a strength: $13.3B of client inflows (up 18%), RAP assets +17% to $670B, advisor productivity reached ~$1.1M and the firm recruited ~90 experienced advisors in the quarter.
• Capital return was aggressive—management returned >100% of operating earnings in Q4 and $3.4B for the year (≈88% of operating earnings), while reporting ~$2.1B excess capital and $2.2B holding company liquidity.
• Company is investing heavily in technology, AI, Signature Wealth platform and banking products (HELOCs, mortgages, checking), with expected low single‑digit operating expense growth offset by ongoing expense re-engineering.
• Management acknowledged macro and rate risks—a recent Fed rate cut and lower short‑term rates could pressure cash earnings and sweep balances, although the bank portfolio (yield ~4.6%, 3.8yr duration) is being positioned to mitigate impact.

Ameriprise Financial Stock Up 4.8%

NYSE AMP traded up $24.19 during trading on Thursday, hitting $523.86. 421,544 shares of the company traded hands, compared to its average volume of 515,848. The company has a market capitalization of $48.67 billion, a P/E ratio of 14.37, a PEG ratio of 1.28 and a beta of 1.26. The business has a fifty day simple moving average of $488.01 and a 200 day simple moving average of $492.08. Ameriprise Financial has a 12 month low of $396.14 and a 12 month high of $582.05. The company has a current ratio of 0.68, a quick ratio of 0.68 and a debt-to-equity ratio of 0.88.

Key Ameriprise Financial News

Here are the key news stories impacting Ameriprise Financial this week:

• Positive Sentiment: Q4 beat — Ameriprise reported adjusted operating EPS of $10.83, topping consensus (about $10.33) and delivering revenue of $4.90B vs. estimates of ~$4.75B; results showed double‑digit revenue growth year-over-year and drove the earnings upside. Ameriprise Financial earnings beat by $0.53, revenue topped estimates
• Positive Sentiment: Record assets — Client assets reached a record $1.7 trillion as market gains (partly attributed to AI-driven rallies) boosted fee‑generating balances, supporting future fee revenue and margin expansion. Ameriprise Financial’s profit rises as client assets hit record $1.7 trillion
• Positive Sentiment: Record quarterly earnings & profitability metrics — Company reported record adjusted Q4 earnings per share, strong net margin (~20%) and very high ROE, signaling operational leverage and effective expense discipline. Ameriprise Financial Reports Fourth Quarter and Full Year 2025 Results
• Positive Sentiment: Dividend boost — Board declared a $1.60 quarterly cash dividend (payable Feb. 27), which supports yield-oriented shareholders and signals confidence in cash flow. Ameriprise Financial Declares Regular Quarterly Dividend
• Positive Sentiment: Market narrative: rate fears easing — Commentary and analysis suggest that investor concern over rates hurting wealth managers may be overblown, a narrative that supports multiple‑quarter re-rating if fee growth and asset levels sustain. Ameriprise Financial Shows Rate Fears Are Overblown
• Neutral Sentiment: Analyst context & next steps — Multiple outlets and the company provided slide decks / conference-call materials; analysts will update models based on FY guidance and margins — watch management comments on net new assets, fee rates and expense assumptions for forward guidance. Listen to Conference Call

Insider Activity at Ameriprise Financial

In related news, Director Robert Francis Sharpe, Jr. sold 1,500 shares of the company’s stock in a transaction on Friday, November 21st. The shares were sold at an average price of $450.94, for a total transaction of $676,410.00. Following the completion of the sale, the director directly owned 7,500 shares of the company’s stock, valued at approximately $3,382,050. This represents a 16.67% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink. 0.57% of the stock is currently owned by corporate insiders.

Institutional Trading of Ameriprise Financial

Several institutional investors have recently modified their holdings of AMP. Schnieders Capital Management LLC. acquired a new stake in shares of Ameriprise Financial in the 2nd quarter valued at $313,000. Brighton Jones LLC increased its holdings in shares of Ameriprise Financial by 6.9% during the fourth quarter. Brighton Jones LLC now owns 777 shares of the financial services provider’s stock worth $413,000 after buying an additional 50 shares in the last quarter. Sivia Capital Partners LLC grew its position in Ameriprise Financial by 14.1% during the 2nd quarter. Sivia Capital Partners LLC now owns 584 shares of the financial services provider’s stock worth $312,000 after acquiring an additional 72 shares during the last quarter. Victory Financial Group LLC increased its holdings in Ameriprise Financial by 15.5% during the 3rd quarter. Victory Financial Group LLC now owns 448 shares of the financial services provider’s stock valued at $220,000 after purchasing an additional 60 shares in the last quarter. Finally, Polymer Capital Management HK LTD acquired a new stake in Ameriprise Financial during the 3rd quarter valued at $285,000. Institutional investors and hedge funds own 83.95% of the company’s stock.

Wall Street Analyst Weigh In

A number of equities analysts recently issued reports on the company. BMO Capital Markets began coverage on Ameriprise Financial in a report on Friday, October 3rd. They issued a “market perform” rating and a $525.00 target price on the stock. Morgan Stanley lifted their price target on Ameriprise Financial from $484.00 to $485.00 and gave the stock an “underweight” rating in a research note on Monday, December 22nd. Evercore ISI reduced their price objective on shares of Ameriprise Financial from $587.00 to $570.00 and set an “in-line” rating for the company in a research note on Thursday, October 9th. Royal Bank Of Canada dropped their target price on shares of Ameriprise Financial from $601.00 to $550.00 and set an “outperform” rating on the stock in a research report on Monday, November 3rd. Finally, Keefe, Bruyette & Woods cut their price target on shares of Ameriprise Financial from $550.00 to $530.00 and set a “market perform” rating on the stock in a report on Monday, November 3rd. One investment analyst has rated the stock with a Strong Buy rating, three have issued a Buy rating, four have issued a Hold rating and two have issued a Sell rating to the company’s stock. According to MarketBeat, the company currently has a consensus rating of “Hold” and a consensus price target of $528.75.

Ameriprise Financial Company Profile

Ameriprise Financial, Inc is a diversified financial services company headquartered in Minneapolis, Minnesota. The firm provides a range of advice-based wealth management, asset management and insurance products to individual and institutional clients. Its business model centers on delivering financial planning and investment advice through a network of financial advisors alongside proprietary product offerings designed to meet retirement, protection and accumulation needs.

Core products and services include comprehensive financial planning and advisory services, managed investment portfolios, retirement planning solutions, annuities and life insurance products.