Company Analysis

Ameriprise Financial, Inc. (AMP)

NYSE: AMP · Investment Advice · Minneapolis, MN · filing with the SEC since 1994
Grade6.5
◀ Past 7.0● Present 7.2▶ Future 5.1

The grade of Ameriprise Financial, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.5/10
◀ Past7.030% of the headline
● Present7.240% of the headline
▶ Future5.130% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

7.0/1030% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.2/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 22% of this tense · 72nd percentile among 48 sector filers · read for itself

From the record

Ameriprise Financial, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.8/10

What has it actually done, year after year?

+5.3% a year over 10 filed years; profitable in 10 of 10.

weight 45% of this tense · 68th percentile among 42 sector filers · read for its customers

From the record

Ameriprise Financial, Inc.'s 10 filed years say what it did: revenue went from $12 billion in fiscal 2016 to $19 billion in fiscal 2025, up 5.3% a year; it rose in 8 of 9 years; the deepest fall was 9% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span5.3%bottom 37% of its family
  • the share of years revenue rosetop 15% of its family
  • the share of filed years with a profittop 25% of its family
  • the deepest fall from a revenue peak8.7%top 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
7.2/10

How has it treated the people who own it?

Share count shrank 4.8% a year. 47% of cash flow returned. Insiders: 25 sales, 0 purchases.

weight 33% of this tense · 72nd percentile among 36 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Ameriprise Financial, Inc.'s diluted share count shrank about 4.8% a year, and dividends and buybacks returned about 47% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 25 sales and 0 purchases of their own stock on the open market in the year to 2026-11-05 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 6% of its family
  • cash returned against operating cash flowtop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.2/1040% of the headline grade · 3 of 3 filed

Financial health

as filed
6.3/10

Is it financially healthy right now?

ROE 54%: 54¢ of profit per shareholder dollar. Leverage 97%: owes 97¢ per asset dollar.

weight 22% of this tense · 62nd percentile among 44 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Ameriprise Financial, Inc. earned about 54 cents of profit for every dollar of shareholders' money. Leverage: it owed about 97 cents per dollar of assets, and net share issuance: its share count shrank 4.6% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 10% of its family
  • return on equitytop 11% of its family
  • the share count against the year beforetop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.9/10

How strong is its position in its industry?

top 31% of 43 in its family; net margin 18.8%.

weight 45% of this tense · 69th percentile among 43 sector filers · read for its customers

From the record

Ameriprise Financial, Inc.'s standing among 43 graded names in its industry family: revenue of $19 billion in fiscal 2025 ranks in the top 6% by size; a net margin of 18.8% ranks in the top 43%; revenue growth of 9.7% a year over the last 3 filed years ranks in the top 44% (its annual reports).

What it rests on

  • revenue against the family$18.91Btop 6% of its family
  • net margin18.8%top 43% of its family
  • three-year revenue growth9.7%top 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
8.2/10

What are the people in charge doing?

top 18% of 34 in its family for leadership; chief executive since 2006.

weight 33% of this tense · 82nd percentile among 34 sector filers · read for its shareholders

From the record

Ameriprise Financial, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Cracchiolo, James M (CHAIRMAN AND CEO, as filed), filing under that title since 2006-01-30, 20.8 years (top 4% of its family); the 19 officers and directors filing in the last fifteen months have been on the record a median of 10.2 years (top 20%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (top 31%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge4 in three years among 19 peopletop 31% of its family
  • the median years the people in charge have filed10.2 yearstop 20% of its family
  • the chief executive's years on the record20.8 yearstop 4% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.1/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
7.0/10

How much room does it have to grow?

top 30% of 42 in its family for room to expand.

weight 33% of this tense · 70th percentile among 42 sector filers · read for itself

From the record

Ameriprise Financial, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $11 billion against no long-term debt tagged leaves 5.8% of its assets as net cash, top 43% of its family; cash from operations less capital spending is 43.2% of revenue (top 17%) (its annual report).

What it rests on

  • cash less debt against assets5.8%top 43% of its family
  • cash from operations less capital spending against revenue43.2%top 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
5.1/10

What could actually drive growth from here?

top 49% of 41 in its family for growth drivers.

weight 33% of this tense · 51st percentile among 41 sector filers · read for its customers

From the record

Ameriprise Financial, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 9.7% a year over the last three filed years against 5.3% over all 10, speeding up (top 21% of its family); the newest year grew 5.5% (bottom 38%); capital spending grew -3.8% a year (bottom 37%) (its annual reports). Ameriprise Financial, Inc. reported 3 lines of business in fiscal 2025: Advice and Wealth Management at $12 billion, Retirement and Protection Solutions at $4.0 billion, Asset Management at $3.6 billion. 3 of 3 grew in the latest filed year, and the largest line is 61% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span+4.3 points a yeartop 21% of its family
  • the newest year's revenue growth5.5%bottom 38% of its family
  • three-year growth of capital spending-3.8%bottom 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
3.3/10

Did its newest year beat what its own record pointed to?

bottom 33% of 41 in its family for expectations against reality.

weight 33% of this tense · 33rd percentile among 41 sector filers · read for its shareholders

From the record

Ameriprise Financial, Inc.'s newest year against its own record: revenue of $19 billion in fiscal 2025 came in 5.7% below the $20 billion its prior three years' pace pointed to (bottom 32% of its family); net income of $3.6 billion against a prior three-year average of $3.0 billion (bottom 35%); a net margin of 18.8% against 18.9% before (bottom 33%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-5.7%bottom 32% of its family
  • net income against the prior three years' average+17%bottom 35% of its family
  • net margin against its prior average-0.1 pointsbottom 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton AMP · research, not advice