Ameriprise Financial, Inc. (AMP)

In the past six months, Ameriprise Financial's stock has trended up by 1.08%. Key events include a positive Q2 2025 earnings release where EPS beat estimates and revenue increased year-over-year. Analyst ratings have been mixed, with some firms raising price targets and maintaining positive ratings, while others have downgraded the stock. An insider sold a significant amount of stock in August 2025. Investors are currently focused on the upcoming Q3 2025 earnings report. Institutional investors may have overlooked a recent US$1.7 billion market cap drop, as long-term gains for the company remain positive.

Ameriprise Financial experiences demand seasonality related to client tax payments, which affects net inflows and cash sweep balances. Market conditions influence net investment income and the fair value of market risk benefits. Demand for annuities is strong when interest rates are elevated. Client activity can remain strong even in volatile markets, and client cash holdings may increase during periods of market uncertainty.

Ameriprise Financial, Inc. is a diversified financial services and bank holding company based in Minneapolis, Minnesota, operating in the Financials sector as an Investment Manager. It offers financial planning products and services to individual and institutional clients, with wealth management contributing over 80% of its revenue as of April 2022. The company operates through three segments: Advice & Wealth Management, which provides financial planning, brokerage, and investment advisory services; Asset Management, operating as Columbia Threadneedle Investments, which offers investment management services globally; and Retirement & Protection Solutions, which provides annuity and insurance products under the RiverSource brand.

Ameriprise Financial is headquartered in Minneapolis, Minnesota, with corporate sites across the U.S. and globally. It has over 180 employee advisor offices nationwide and expanded its employee advisor channel in 2020 by opening new branches in key markets. In May 2023, Ameriprise opened a new corporate office in Charlotte, North Carolina, planning to hire approximately 400 employees.

Ameriprise Financial has a strong brand reputation for personalized financial planning and wealth management, fostering a loyal customer base. This is reflected in increased management and financial advice fees. The company received J.D. Power Certifications, was named one of America's Most Innovative Companies by Fortune, and had numerous advisors recognized on Barron's and Forbes lists. Ameriprise has also earned a "Top Performer" recognition in "Understands me and shares my values" multiple times. A decline in net income in Q1 2025 due to increased expenses could be a potential concern.

Institutional investors hold a significant majority (87% to 89%) of Ameriprise Financial's shares, making the stock price sensitive to their trading decisions. Major institutional owners include The Vanguard Group, Inc., BlackRock, Inc., and JPMorgan Chase & Co. Individual investors hold approximately 12% of the company, with insider ownership being under 1%, valued at approximately US$91 million.