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

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

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 4.5%

NYSE:AMP traded up $22.26 during midday trading on Thursday, hitting $521.93. 391,120 shares of the company were exchanged, compared to its average volume of 514,465. Ameriprise Financial has a fifty-two week low of $396.14 and a fifty-two week high of $582.05. The company has a market capitalization of $48.49 billion, a PE ratio of 14.33, a price-to-earnings-growth ratio of 1.28 and a beta of 1.26. The company has a current ratio of 0.68, a quick ratio of 0.68 and a debt-to-equity ratio of 0.88. The company has a fifty day simple moving average of $488.01 and a 200 day simple moving average of $492.08.

Insider Activity

In other news, Director Robert Francis Sharpe, Jr. sold 1,500 shares of Ameriprise Financial stock in a transaction dated Friday, November 21st. The stock was sold at an average price of $450.94, for a total transaction of $676,410.00. Following the sale, the director owned 7,500 shares in the company, valued at approximately $3,382,050. The trade was a 16.67% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. Insiders own 0.57% of the company’s stock.

Institutional Inflows and Outflows

Several institutional investors have recently added to or reduced their stakes in AMP. Geneos Wealth Management Inc. grew its stake in shares of Ameriprise Financial by 5.4% in the second quarter. Geneos Wealth Management Inc. now owns 447 shares of the financial services provider’s stock worth $239,000 after acquiring an additional 23 shares during the period. Optimist Retirement Group LLC boosted its holdings in Ameriprise Financial by 3.7% in the third quarter. Optimist Retirement Group LLC now owns 638 shares of the financial services provider’s stock worth $313,000 after purchasing an additional 23 shares during the last quarter. Modern Wealth Management LLC grew its position in Ameriprise Financial by 3.4% in the 2nd quarter. Modern Wealth Management LLC now owns 982 shares of the financial services provider’s stock worth $524,000 after purchasing an additional 32 shares during the period. Nicolet Advisory Services LLC grew its position in Ameriprise Financial by 6.1% in the 3rd quarter. Nicolet Advisory Services LLC now owns 662 shares of the financial services provider’s stock worth $330,000 after purchasing an additional 38 shares during the period. Finally, Gotham Asset Management LLC raised its stake in Ameriprise Financial by 2.2% during the 3rd quarter. Gotham Asset Management LLC now owns 1,955 shares of the financial services provider’s stock valued at $960,000 after buying an additional 42 shares during the last quarter. Institutional investors and hedge funds own 83.95% of the company’s stock.

Wall Street Analyst Weigh In

Several research analysts have commented on AMP shares. Weiss Ratings reiterated a “buy (b-)” rating on shares of Ameriprise Financial in a report on Monday, December 29th. Morgan Stanley lifted their price objective on shares of Ameriprise Financial from $484.00 to $485.00 and gave the stock an “underweight” rating in a research report on Monday, December 22nd. Evercore ISI dropped their target price on Ameriprise Financial from $587.00 to $570.00 and set an “in-line” rating on the stock in a report on Thursday, October 9th. Keefe, Bruyette & Woods cut their price target on Ameriprise Financial from $550.00 to $530.00 and set a “market perform” rating on the stock in a research note on Monday, November 3rd. Finally, Argus lowered their price objective on Ameriprise Financial from $568.00 to $554.00 and set a “buy” rating for the company in a research report on Thursday, November 13th. One investment analyst has rated the stock with a Strong Buy rating, three have assigned a Buy rating, four have assigned a Hold rating and two have given a Sell rating to the company. Based on data from MarketBeat, the stock has an average rating of “Hold” and a consensus price target of $528.75.

Key Ameriprise Financial News

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

• Positive Sentiment: Q4 results beat consensus — adjusted operating EPS of $10.83 topped estimates by roughly $0.50 and revenue of $4.90B exceeded expectations, driven by higher fee revenue and product sales. Ameriprise Financial earnings beat by $0.53, revenue topped estimates
• Positive Sentiment: Record operating performance — management reported a record adjusted operating EPS for Q4 and strong full?year operating results, citing expense discipline and continued asset growth. Ameriprise Financial Reports Fourth Quarter and Full Year 2025 Results
• Positive Sentiment: Client assets hit a record $1.7 trillion, lifting fee-generating assets and supporting revenue/earnings — Reuters notes the market rally (AI-driven gains) boosted asset values and fees. That asset growth is a key earnings lever for AMP. Ameriprise Financial’s profit rises as client assets hit record $1.7 trillion
• Positive Sentiment: Shareholder return maintained — Board declared a regular quarterly cash dividend of $1.60/share payable Feb. 27, reinforcing the company’s capital-return posture. Ameriprise Financial Declares Regular Quarterly Dividend
• Neutral Sentiment: Analysts/coverage: multiple outlets and research notes summarize the beat and updated outlooks; Street EPS consensus for the year remains elevated (~38.6), leaving room for revisions if momentum continues. Ameriprise Financial Services (AMP) Q4 Earnings and Revenues Surpass Estimates
• Negative Sentiment: Balance-sheet/liquidity context — the company’s operating metrics show strong profitability but modest short-term liquidity (current and quick ratios below 1) and some leverage (debt/equity ~0.88), which investors should weigh if market volatility reverses asset values. AMP stock profile and metrics

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.