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Investor Relations14 Oct 2025
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Ameriprise Financial (AMP) investor relations material
Ameriprise Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Adjusted operating EPS rose 7% year-over-year to $9.11, with net income up 28% to $1.06 billion and pretax income up 29%, driven by asset growth and higher equity markets.
Assets under management, administration, and advisement reached a record $1.6 trillion, up 9% year-over-year, with strong client engagement and advisor productivity up 11%.
Returned 81% of capital to shareholders in the quarter and $3 billion over the last 12 months, targeting an 85% payout ratio for the second half of the year.
Maintained a robust balance sheet with $2.3 billion in excess capital and $2.1 billion in holding company liquidity.
Continued significant investments in technology, digital capabilities, and AI to enhance client and advisor experience.
Financial highlights
Adjusted operating net revenues rose 4% to $4.3 billion year-over-year, with GAAP net revenues at $4.38 billion and net income up 28%.
Adjusted operating earnings were $900 million, up 2%, and adjusted operating EPS was $9.11.
Consolidated margin held at 27%, with wealth management margin at 29% and asset management margin at 39%.
Wealth management client assets reached $1.1 trillion, up 11% year-over-year, with wrap assets up 15%.
Retirement and Protection Solutions pretax adjusted operating earnings increased 9% to $214 million, with strong free cash flow.
Outlook and guidance
Targeting an 85% payout ratio for the second half of the year, up from 81% in the quarter.
G&A expenses expected to remain flat or slightly lower for the remainder of the year, with low- to mid-single-digit growth for the full year.
Management targets adjusted operating EPS growth of 12% to 15% and adjusted operating ROE over 30% on average over time.
Pipeline for advisor recruiting and bank/credit union partnerships remains strong, with continued focus on high-quality recruits.
No material impact expected from recent corporate tax law changes or the One Big Beautiful Bill Act enacted in July 2025.
Assess impact of tariffs on AUM growth.
Explain drivers behind AWM distribution expense.
Discuss roll-on/roll-off dynamics in bank portfolio.
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Next Ameriprise Financial earnings date
Q3 202523 Oct, 2025
Next Ameriprise Financial earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
Financial Services
Ameriprise Financial, Inc. is a diversified financial services company primarily known for its focus on retirement-related financial planning and management. Ameriprise provides a range of financial products and services, including wealth management, asset management, insurance, annuities, and estate planning. Ameriprise primarily operates through three subsidiaries: Ameriprise Financial, Columbia Management, and RiverSource. The company is headquartered in Minneapolis, Minnesota, and its shares are traded on NYSE.
Investors Syndicate
Ameriprise Financial's history dates back to 1894 when it was founded as Investors Syndicate in Minneapolis, Minnesota, with 1,000 people each investing $5. It initially focused on mutual funds, later expanding into insurance as well as other financial services, and grew steadily as the decades rolled on. American Express acquired the company in 1984 and integrated its services under the name American Express Financial Advisors. In 2005 the company underwent a significant change when it spun off from American Express, becoming an independent entity and going public. Today, the company competes with industry giants such as Morgan Stanley and Goldman Sachs.
Wealth Management
The company is primarily known for its wealth management services, which are centered around personalized financial planning. Advisors work closely with clients to understand their financial goals, risk tolerance, and investment preferences. The service includes portfolio management, where clients receive tailored investment advice and strategies. Retirement planning is a significant focus, helping clients prepare for future financial needs. Additionally, Ameriprise offers tax planning and estate planning services, ensuring that clients' financial strategies are tax-efficient and aligned with their long-term objectives, including wealth preservation and transfer.
Other Services
Beyond wealth management, Ameriprise Financial provides a diverse range of services. In asset management, the company offers mutual funds and tailored investment solutions, focusing on equities, fixed income, alternative investments, and retirement financial services. Its insurance services encompass life, disability, and long-term care insurance, and Ameriprise provides specialized services for small businesses, including retirement plans and business insurance.
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