Ameriprise Financial (NYSE:AMP) Issues Earnings Results

Ameriprise Financial (NYSE:AMP) issued its earnings results 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. The business had revenue of $4.90 billion for the quarter, compared to analyst estimates of $4.75 billion. Ameriprise Financial had a net margin of 19.28% and a return on equity of 63.04%. The company’s quarterly revenue was up 10.2% compared to the same quarter last year. During the same period last year, the company posted $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 1.1%

NYSE:AMP opened at $527.09 on Friday. The firm has a market capitalization of $48.97 billion, a P/E ratio of 14.50, a PEG ratio of 1.34 and a beta of 1.26. The company’s fifty day moving average price is $491.17 and its 200-day moving average price is $492.19. Ameriprise Financial has a 1-year low of $396.14 and a 1-year high of $552.43. The company has a debt-to-equity ratio of 0.86, a current ratio of 0.68 and a quick ratio of 0.68.

Ameriprise Financial Dividend Announcement

The firm also recently declared a quarterly dividend, which will be paid on Friday, February 27th. Investors of record on Monday, February 9th will be issued a $1.60 dividend. This represents a $6.40 annualized dividend and a yield of 1.2%. The ex-dividend date is Monday, February 9th. Ameriprise Financial’s dividend payout ratio is 17.60%.

Key Headlines Impacting Ameriprise Financial

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

• Positive Sentiment: Q4 earnings and revenue beat — Ameriprise reported adjusted EPS of $10.83 and revenue of $4.90B, both topping estimates, with record fee‑generating client assets (AUM/AUA) cited as a driver of revenue and profit growth; this is the main catalyst lifting the stock. Ameriprise Financial Reports Fourth Quarter and Full Year 2025 Results
• Positive Sentiment: Record client assets and improved margins — Management said client assets hit a record (reported as ~$1.7T) and highlighted expense discipline and margin strength, reinforcing earnings durability and growth potential. Reuters: Profit rises as client assets hit record
• Positive Sentiment: Dividend declared — Board approved a $1.60 quarterly dividend (ex-dividend Feb 9, payable Feb 27), supporting income investors and signaling confidence in cash flow. Dividend press release
• Neutral Sentiment: Analyst upgrade to neutral — Piper Sandler moved AMP from Underweight to Neutral and raised its price target to $530, reflecting improved fundamentals but stopping short of a Buy, so impact is modest. Benzinga: Piper Sandler upgrade
• Neutral Sentiment: Supporting analyst write‑ups and coverage — Multiple outlets (Zacks, Investing, Seeking Alpha) published earnings analysis and the earnings call transcript/slides are available for deeper diligence; these help investors assess sustainability but are not new catalysts. Zacks earnings coverage
• Negative Sentiment: Limited near-term upside implied by some coverage — Piper Sandler’s $530 target is only marginally above the current price, suggesting limited immediate upside from that shop’s outlook and tempering how much higher the stock may run absent stronger forward guidance. Finviz summary

Analyst Upgrades and Downgrades

Several equities analysts recently issued reports on the stock. Royal Bank Of Canada cut their price objective on shares of Ameriprise Financial from $601.00 to $550.00 and set an “outperform” rating on the stock in a report on Monday, November 3rd. BMO Capital Markets began coverage on Ameriprise Financial in a research report on Friday, October 3rd. They set a “market perform” rating and a $525.00 target price on the stock. Piper Sandler raised Ameriprise Financial from an “underweight” rating to a “neutral” rating and boosted their price target for the stock from $434.00 to $530.00 in a research report on Friday. Argus dropped their price objective on Ameriprise Financial from $568.00 to $554.00 and set a “buy” rating on the stock in a research report on Thursday, November 13th. Finally, Morgan Stanley lifted their target price on Ameriprise Financial from $484.00 to $485.00 and gave the company an “underweight” rating in a research note on Monday, December 22nd. One research analyst has rated the stock with a Strong Buy rating, three have issued a Buy rating, five have assigned a Hold rating and one has assigned a Sell rating to the company’s stock. According to MarketBeat.com, the stock presently has an average rating of “Hold” and an average target price of $540.75.

Insider Buying and Selling at Ameriprise Financial

In related news, Director Robert Francis Sharpe, Jr. sold 1,500 shares of Ameriprise Financial stock in a transaction that occurred on Friday, November 21st. The stock was sold at an average price of $450.94, for a total transaction of $676,410.00. Following the completion of the transaction, the director directly owned 7,500 shares in the company, valued at approximately $3,382,050. This trade represents a 16.67% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through this hyperlink. Insiders own 0.73% of the company’s stock.

Institutional Trading of Ameriprise Financial

A number of institutional investors and hedge funds have recently made changes to their positions in AMP. WFA of San Diego LLC acquired a new stake in shares of Ameriprise Financial in the second quarter worth approximately $36,000. Towarzystwo Funduszy Inwestycyjnych PZU SA raised its position in Ameriprise Financial by 127.3% in the third quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 125 shares of the financial services provider’s stock valued at $61,000 after purchasing an additional 70 shares during the period. Quarry LP boosted its stake in Ameriprise Financial by 431.0% during the third quarter. Quarry LP now owns 154 shares of the financial services provider’s stock worth $76,000 after buying an additional 125 shares during the period. MUFG Securities EMEA plc purchased a new position in shares of Ameriprise Financial during the 2nd quarter worth approximately $150,000. Finally, Kelleher Financial Advisors purchased a new position in shares of Ameriprise Financial during the third quarter worth $165,000. 83.95% of the stock is currently owned by hedge funds and other institutional investors.

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.