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Ameriprise Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved record fourth quarter and full year 2025 results, with all-time highs in revenue, earnings, EPS, and assets under management, administration, and advisement reaching $1.7 trillion, up 11% year-over-year, driven by strong client flows, market performance, and strategic investments.
Adjusted operating earnings per diluted share rose 16% to $10.83 in Q4 and 14% for the year, with a robust margin of 27%.
Adjusted operating net revenues increased 10% to $4.9 billion in Q4, and adjusted operating earnings grew 10% to over $1 billion.
Recognized for best-in-class service and industry accolades, including listings by TIME, Wall Street Journal, and Forbes.
Capital return to shareholders exceeded 100% of adjusted operating earnings in Q4, supported by strong balance sheet fundamentals and liquidity.
Financial highlights
Q4 adjusted operating EPS rose 16% to $10.83; full year adjusted operating EPS up 14% to $39.29.
Adjusted operating net revenues for Q4 2025 were $4.92 billion, up 10%; adjusted operating earnings were $1.04 billion, up 10%.
Return on equity reached a record 53.2% for Q4 and full year, up from 51.6% prior year.
Total client assets in Advice & Wealth Management (AWM) hit $1.2 trillion, up 13%; RAP assets up 17% to $670 billion.
Net client inflows were $13.3 billion, up 18% year-over-year.
Outlook and guidance
Expect continued strong organic growth and advisor recruiting, with a robust pipeline for Q1 2026.
Anticipate expense growth in the low single digits, balancing ongoing investments with productivity improvements.
Capital return to shareholders expected to remain in the 85%-90% range of operating earnings.
AWM organic growth target of 4%-5% remains appropriate on a rolling annual basis.
Guidance indicates sustainable net investment income in a lower rate environment.
AWM net investment income declined 9% Detail drivers
Asset Mgmt net new retail fund outflows drivers
RPS earnings decline G&A timing and claims impact
Signature Wealth UMA: What's next for adoption
Asset Management transformation: What's left
OpEx growth: How to balance investment & efficiency?
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Latest summaries
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- WOSG
Q3 sales growth exceeded expectations, guidance raised, and US presence expanded. - NOBA
Record profit growth, robust capital, and SME expansion drive strong 2025 results. - SF
Margins expanded to 27% despite revenue decline and large non-cash impairments. - IFX
Q1 FY26 revenue up 7% YoY to €3.66bn, led by AI and automotive, with key acquisition and investments. - WRT1V
All-time high profit and cash flow, with robust Marine and Energy growth and major investments. - CB
Record net income and strong underwriting drive robust growth, with positive 2026 outlook. - BERG
EBITA and margins rose 12% with 4% organic growth, supported by acquisitions and efficiency. - APOTEA
Full-year revenue up 10.1%, but Q4 margin dropped to 1.3% on higher costs. - V2RETAIL
Q3 and 9M FY26 saw strong revenue and profit growth, aided by expansion and lease gains. - SECU
8% margin reached, 4% organic growth, and digital risk intelligence expansion underway.
Next Ameriprise Financial earnings date
Q1 202623 Apr, 2026
Ameriprise Financial
Next Ameriprise Financial earnings date
Q1 202623 Apr, 2026
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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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