AMP NYSE Asset Management & Custody Banks Financials FY2016βFY2025
Ameriprise Financial had $18.9B of revenue in fiscal 2025, up 5.5% on the year before. Over five years, revenue changed +9.6% a year on average.
Hi! I read Ameriprise Financialβs latest annual report (fiscal 2025). Here is what stands out:
Good So-so Weak
Are sales growing?
+5.5%
Yes. Sales grew 5.5% last year.
Does it make a profit?
18.8%
Yes. It keeps 18.8% of every sale as profit.
How is the share priced?
11.9x
One share costs 11.9 times its yearly profit per share. Typical for its sector: 13.7x.
Rules of thumb on reported numbers. A starting point, not a recommendation.
About these figures. Ameriprise is counted as a bank because it takes deposits through its bank, but its filings don't tag net interest income, noninterest expense or loans, so the bank ratios are left blank.
Is it selling more, and how much does it keep?
In plain words: Every quarter, companies publish how much they sold and earned. These are the days Ameriprise Financial did it, and the next one. Share prices often move a lot on those days.
Next results
October 29, 2026
Thursday Β· in 3 days
| Date | Results for | Time | Source |
|---|---|---|---|
| Jul 23, 2026 | Q2 '26 | Before the market opens | 8-K β |
| Apr 23, 2026 | Q1 '26 | After the market closes | 8-K β |
| Jan 29, 2026 | Q4 '25 | Before the market opens | 8-K β |
| Oct 30, 2025 | Q3 '25 | Before the market opens | 8-K β |
| Jul 24, 2025 | Q2 '25 | Before the market opens | 8-K β |
| Apr 24, 2025 | Q1 '25 | Before the market opens | 8-K β |
| Jan 29, 2025 | Q4 '24 | After the market closes | 8-K β |
| Oct 23, 2024 | Q3 '24 | After the market closes | 8-K β |
From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.
KIRA Β· Ameriprise Financial had $18.9B of revenue in fiscal 2025, up 5.5% on the year before. Over five years, revenue changed +9.6% a year on average.
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Revenue
Revenue
Net interest income share and efficiency ratio
KIRA Β· Ameriprise Financial made $3.6B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 18.6% a year.
Loss periods are shown in red.
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Net income
Net income
Diluted EPS
Diluted EPS
How much cash comes in, and where does it go?
KIRA Β· Ameriprise Financial returned $3.5B to shareholders in fiscal 2025. The diluted share count fell 4.6%.
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Dividends and buybacks
Dividends and buybacks
Diluted shares outstanding (annual)
KIRA Β· In the last 12 months, insiders sold $65.3M of shares on the open market and bought none.
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. βPlanβ marks trades under a pre-arranged Rule 10b5-1 plan.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$65.3M
9 insiders
Of sales under plans
0%
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | Dawn M. BrockmanSVP and Controller | Sold | 472 | $558.93 | $0.3M | Form 4 |
| Aug 6, 2026 | Deirdre Davey McGrawEVP Mktg, Strat. & Comms. | Sold | 2,400 | $558.28 | $1.3M | Form 4 |
| Jul 28, 2026 | James M CracchioloChairman and CEO, Director | Sold | 18,020 | $545.43 | $9.8M | Form 4 |
| Jul 28, 2026 | Walter Stanley BermanExecutive VP and CFO | Sold | 11,012 | $548.95 | $6.0M | Form 4 |
| Jul 28, 2026 | William Jerryl WilliamsPres, Wealth Mgmt Advisor Grp | Sold | 8,210 | $539.35 | $4.4M | Form 4 |
| Jul 27, 2026 | William Jerryl WilliamsPres, Wealth Mgmt Advisor Grp | Sold | 7,894 | $537.08 | $4.2M | Form 4 |
| May 14, 2026 | Gerard P. SmythEVP & Hd. of Tech. & Serv. Del | Sold | 6,255 | $472.52 | $3.0M | Form 4 |
| May 8, 2026 | Robert Francis Sharpe JRDirector | Sold | 1,200 | $465.83 | $0.6M | Form 4 |
| Feb 10, 2026 | William F TruscottCEO, Global Asset Management | Sold | 5,000 | $532.08 | $2.7M | Form 4 |
| Feb 9, 2026 | Gumer AlveroPresident-insurance&annuities | Sold | 4,658 | $542.88 | $2.5M | Form 4 |
| Feb 5, 2026 | Walter Stanley BermanExecutive VP and CFO | Sold | 7,000 | $544.22 | $3.8M | Form 4 |
| Feb 4, 2026 | James M CracchioloChairman and CEO, Director | Sold | 48,813 | $544.96 | $26.6M | Form 4 |
Can it carry its debts, and how well does it use its money?
Loans, deposits and capital at each fiscal year end.
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Loans and deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Deposits | $20.2B | $30.8B | $37.3B | $35.8B | $33.8B |
| Total assets | $177.7B | $158.9B | $175.2B | $181.4B | $190.9B |
| Shareholders' equity | $4.8B | $3.8B | $4.7B | $5.2B | $6.5B |
| Goodwill | $1.5B | $1.4B | $1.4B | $1.4B | $1.4B |
| Intangible assets | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
In plain words: Return on equity is the profit made on shareholdersβ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Return on equity, return on tangible equity and efficiency ratio
What does the share cost, and how does it compare?
KIRA Β· At $492.19 a share, the company is worth $48.3B: 11.9 times its earnings of the last four quarters.
Change the assumptions and see what they imply per share. These are models, not forecasts or price targets β the answer depends entirely on what you put in.
In plain words: Move the sliders to try your own guesses about growth. The result is what one share would be worth if those guesses came true. Different guesses give very different answers.
Value per share
β
Reference multiples: today 11.9x Β· peers 15.9x Β· sector 13.7x.
KIRA Β· Ameriprise Financial grew sales faster than 2 of its 4 similar companies. Its P/E is higher than 1 of 3.
Each companyβs latest fiscal year. Fiscal years end in different months, so periods donβt line up exactly.
In plain words: The same numbers for similar companies, so you can tell whether a figure is high or low for this kind of business.
| Company | Market cap | Growth | Op. margin | FCF margin | ROIC | P/E | F-score | |
|---|---|---|---|---|---|---|---|---|
| Ameriprise Financial AMP | $48.3B | 5.5% | β | β | β | 11.9x | β | |
| BNY Mellon BNY | $104.1B | 7.9% | β | β | β | 16.9x | β | Compare β |
| State Street STT | $48.5B | 7.3% | β | β | β | 14.8x | β | Compare β |
| Northern Trust NTRS | $32.3B | β2.5% | β | β | β | β | β | Compare β |
| Synchrony Financial SYF | $27.5B | β2.8% | β | β | β | 7.7x | β | Compare β |
Every number, year by year.
Amounts in USD. Hover a ratioβs name for its definition.
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $11.8B | $12.2B | $12.9B | $13.1B | $12.0B | $13.4B | $14.3B | $16.1B | $17.9B | $18.9B |
| Provision for credit losses | $2.0M | β$1.0M | $0.0M | $0.0M | $21.0M | β$11.0M | $13.0M | $8.0M | β$2.0M | $2.0M |
| Pretax income | $1.6B | $2.2B | $2.5B | $2.2B | $1.8B | $4.2B | $3.9B | $3.2B | $4.3B | $4.5B |
| Income tax | $278M | $734M | $386M | $339M | $297M | $768M | $782M | $678M | $866M | $941M |
| Net income | $1.3B | $1.5B | $2.1B | $1.9B | $1.5B | $3.4B | $3.1B | $2.6B | $3.4B | $3.6B |
| Net income to common | $1.3B | $1.5B | $2.1B | $1.9B | $1.5B | $3.4B | $3.1B | $2.6B | $3.4B | $3.6B |
| Diluted EPS | $7.81 | $9.44 | $14.20 | $13.92 | $12.20 | $28.48 | $27.70 | $23.71 | $33.05 | $36.28 |
| Diluted shares | 0.17B | 0.16B | 0.15B | 0.14B | 0.13B | 0.12B | 0.11B | 0.11B | 0.10B | 0.10B |
| Cash flow | ||||||||||
| Stock-based compensation | $134M | $121M | $144M | $135M | $146M | $152M | $170M | $187M | $193M | $206M |
| Share buybacks | $1.7B | $1.5B | $1.6B | $1.9B | $1.4B | $2.0B | $2.0B | $2.1B | $2.4B | $2.9B |
| Dividends paid | $479M | $491M | $506M | $504M | $497M | $511M | $534M | $550M | $574M | $596M |
| Dividends and buybacks | $2.2B | $2.0B | $2.1B | $2.4B | $1.9B | $2.5B | $2.5B | $2.7B | $3.0B | $3.5B |
| Balance sheet | ||||||||||
| Deposits | β | β | β | β | $17.6B | $20.2B | $30.8B | $37.3B | $35.8B | $33.8B |
| Goodwill | $1.1B | $1.2B | $1.2B | $1.2B | $1.2B | $1.5B | $1.4B | $1.4B | $1.4B | $1.4B |
| Intangible assets | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Total assets | $139.8B | $147.5B | $137.2B | $151.8B | $165.9B | $177.7B | $158.9B | $175.2B | $181.4B | $190.9B |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $6.3B | $6.0B | $5.6B | $5.9B | $6.1B | $4.8B | $3.8B | $4.7B | $5.2B | $6.5B |
| Margins | ||||||||||
| Net margin | 11.1% | 12.2% | 16.2% | 14.5% | 12.8% | 25.5% | 22.0% | 15.9% | 19.0% | 18.8% |
| Returns | ||||||||||
| Return on assets | 0.9% | 1.0% | 1.5% | 1.3% | 1.0% | 2.0% | 1.9% | 1.5% | 1.9% | 1.9% |
| Return on tangible equity | 23.4% | 29.6% | 45.4% | 41.3% | 31.6% | 82.0% | 108.7% | 89.2% | 95.2% | 79.7% |
| Growth | ||||||||||
| Revenue growth | β3.0% | 2.9% | 6.1% | 1.4% | β8.7% | 12.0% | 7.1% | 12.3% | 11.4% | 5.5% |
| Net income growth | β15.9% | 12.7% | 41.8% | β9.8% | β19.0% | 122.8% | β7.8% | β18.8% | 33.1% | 4.8% |
| EPS growth | β7.9% | 20.9% | 50.4% | β2.0% | β12.4% | 133.4% | β2.7% | β14.4% | 39.4% | 9.8% |
| Share count change | β8.7% | β6.8% | β5.7% | β7.9% | β7.6% | β4.5% | β5.3% | β5.2% | β4.6% | β4.6% |
| Capital allocation | ||||||||||
| Stock comp / revenue | 1.1% | 1.0% | 1.1% | 1.0% | 1.2% | 1.1% | 1.2% | 1.2% | 1.1% | 1.1% |
Source: SEC EDGAR XBRL filings (CIK 0000820027). Data updated October 9, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β not investment advice. Check the original filings before relying on any figure.
