AMERIPRISE FINANCIAL INC (AMP) Earnings History

AMERIPRISE FINANCIAL INC - Q3 2025 EarningsBeat

Filed at: Oct 29, 2025, 8:00 PM EDT|Read from source

EXECUTIVE SUMMARY

Ameriprise Financial delivered a strong third quarter with record client assets and improved adjusted operating earnings per diluted share. The company benefited from higher equity markets, disciplined expense management, and strong capital return to shareholders, reinforcing its financial foundation and client-focused strategy.

POSITIVE HIGHLIGHTS

  • •

    Adjusted operating earnings per diluted share increased 22 percent to $9.87.

    positive
  • •

    Total Assets Under Management, Administration and Advisement reached a record high of $1.7 trillion, up 8 percent year-over-year.

    positive
  • •

    Adjusted operating net revenues increased 9 percent to $4.7 billion.

    positive
  • •

    The company increased its return of capital to shareholders to $842 million in the quarter.

    positive
  • •

    Adjusted operating return on equity was a strong 52.8%.

    positive

CONCERNS & RISKS

  • •

    Total client net flows decreased 60% to $3.4 billion compared to $8.6 billion in the prior year.

    attention
  • •

    Wrap net flows decreased 40% to $4.8 billion compared to $8.0 billion in the prior year.

    attention
  • •

    Net investment income in the Advice & Wealth Management segment declined as expected.

    attention
  • •

    Distribution expenses in the Advice & Wealth Management segment increased 11% year-over-year.

    attention

FINANCIAL METRICS

Revenue
Quarterly
$4.79B
+9.0%
Prior year: $4.40B
Net Income
Quarterly
$912.00M
+78.0%
Prior year: $511.00M
Annual (YTD)
$2.56B
N/A
Prior year: $2.33B
EPS (Diluted)
Quarterly
$9.33
+87.0%
Prior year: $5.00
Annual (YTD)
$25.83
N/A
Prior year: $22.53
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
$9.47
+86.0%
Prior year: $5.09

MARGIN ANALYSIS

Operating Margin
Current Quarter
26.2%
Prior Year
24.1%
YoY Change
+210 bps

Margin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.

REVENUE BY SEGMENT — Q3 2025 2025

VISUAL OVERVIEW

|
Advice & Wealth Management
60.0%
$2990000.0B
(+9.0% YoY)
Prior year: $2742000.0B
Retirement & Protection Solutions
22.1%
$1102000.0B
(+13.3% YoY)
Prior year: $973000.0B
Asset Management
18.2%
$906000.0B
(+2.7% YoY)
Prior year: $882000.0B
Corporate & Other
-0.3%
$-14000.0B
Prior year: $-10000.0B

DETAILED BREAKDOWN

|
SegmentCurrentPrior YrYoY% Total
Advice & Wealth Management
$2990000.0B$2742000.0B+9.0%60.0%
Retirement & Protection Solutions
$1102000.0B$973000.0B+13.3%22.1%
Asset Management
$906000.0B$882000.0B+2.7%18.2%
Corporate & Other
$-14000.0B$-10000.0B——
Total Revenue$4984000.0B——100.0%

Segment performance shows business unit health and growth drivers.

MANAGEMENT GUIDANCE

FY2025

operating effective tax rate
"20 to 22 percent"

Forward-looking guidance is subject to change and does not constitute a guarantee. Actual results may differ materially from these estimates.

MANAGEMENT COMMENTARY

Ameriprise delivered a strong third quarter.

— AMERIPRISE FINANCIAL INC, Q3 2025 2025 Earnings Call

Across the firm, we’re focused on delivering an excellent client experience supported by our distinctive combination of high-quality advice, solutions and capabilities.

— AMERIPRISE FINANCIAL INC, Q3 2025 2025 Earnings Call

Our strategic investments, disciplined expense management and strong financial foundation help us to effectively navigate and grow across market cycles.

— AMERIPRISE FINANCIAL INC, Q3 2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Total Assets Under Management, Administration and Advisement
1659509.0M
+8.0% YoY
Prior year: 1537983.0M
dollars
Total common shares outstanding
93.1M
-4.0% YoY
Prior year: 97.2M
shares

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.

Related Research

Analysis

AMP 10-K Analysis: 53% ROE Built on Three Layers of Earnings Distortion