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

29 Jan 2026, 17:18 by Danessa Lincoln · The Markets Daily

Ameriprise Financial (NYSE:AMP – Get Free Report) posted its quarterly earnings results on Thursday. The financial services provider reported $10.83 EPS for the quarter, beating the consensus estimate of $10.33 by $0.50, FiscalAI reports. The firm had revenue of $4.90 billion during the quarter, compared to analysts’ expectations of $4.75 billion. Ameriprise Financial had a return on equity of 64.97% and a net margin of 20.12%.The business’s revenue for the quarter was up 10.2% on a year-over-year basis. During the same quarter last year, the firm 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 Trading Up 4.5%

NYSE:AMP traded up $22.26 during trading hours on Thursday, reaching $521.93. 391,120 shares of the stock were exchanged, compared to its average volume of 514,465. Ameriprise Financial has a twelve month low of $396.14 and a twelve month high of $582.05. The company has a quick ratio of 0.68, a current ratio of 0.68 and a debt-to-equity ratio of 0.88. The business has a 50-day moving average of $488.01 and a two-hundred day moving average of $492.08. The company has a market capitalization of $48.49 billion, a price-to-earnings ratio of 14.33, a PEG ratio of 1.28 and a beta of 1.26.

Key Headlines Impacting Ameriprise Financial

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

Insider Activity

In related news, Director Robert Francis Sharpe, Jr. sold 1,500 shares of the 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 transaction, the director 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 legal filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Corporate insiders own 0.57% of the company’s stock.

Institutional Trading of Ameriprise Financial

Hedge funds have recently made changes to their positions in the business. WFA of San Diego LLC acquired a new position in shares of Ameriprise Financial in the second quarter valued at approximately $36,000. Towarzystwo Funduszy Inwestycyjnych PZU SA boosted its position in Ameriprise Financial by 127.3% in the 3rd quarter. Towarzystwo Funduszy Inwestycyjnych PZU SA now owns 125 shares of the financial services provider’s stock valued at $61,000 after buying an additional 70 shares during the period. Quarry LP grew its stake in shares of Ameriprise Financial by 431.0% in the third quarter. Quarry LP now owns 154 shares of the financial services provider’s stock worth $76,000 after acquiring an additional 125 shares in the last quarter. MUFG Securities EMEA plc acquired a new position in shares of Ameriprise Financial in the second quarter worth $150,000. Finally, Kelleher Financial Advisors purchased a new stake in shares of Ameriprise Financial during the third quarter worth $165,000. Institutional investors and hedge funds own 83.95% of the company’s stock.

Wall Street Analyst Weigh In

Several brokerages have recently weighed in on AMP. Weiss Ratings reissued a “buy (b-)” rating on shares of Ameriprise Financial in a research report on Monday, December 29th. BMO Capital Markets started coverage on shares of Ameriprise Financial in a research note on Friday, October 3rd. They set a “market perform” rating and a $525.00 target price on the stock. Royal Bank Of Canada dropped their price target on shares of Ameriprise Financial from $601.00 to $550.00 and set an “outperform” rating for the company in a research note on Monday, November 3rd. Morgan Stanley lifted their price target on shares of Ameriprise Financial from $484.00 to $485.00 and gave the company an “underweight” rating in a research report on Monday, December 22nd. Finally, Keefe, Bruyette & Woods lowered their price objective on Ameriprise Financial from $550.00 to $530.00 and set a “market perform” rating for the company in a research report on Monday, November 3rd. One analyst has rated the stock with a Strong Buy rating, three have given a Buy rating, four have assigned a Hold rating and two have assigned a Sell rating to the stock. Based on data from MarketBeat, the company currently has a consensus rating of “Hold” and a consensus price target of $528.75.

Read Our Latest Report on Ameriprise Financial

Ameriprise Financial Company Profile

(Get Free Report)

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.