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Ameriprise Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved net income of $912 million for Q3 2025, up 78% year-over-year, and $2.56 billion for the nine months ended September 30, 2025, up 10% year-over-year.
Assets under management, administration, and advisement reached a record $1.7 trillion, up 8% year-over-year.
Adjusted operating EPS excluding unlocking grew 12% to $9.92, with GAAP EPS up 87% to $9.33; firmwide margin remained strong at 27%.
Return on equity remains best-in-class at 52.8%, supported by robust free cash flow and capital return.
Strong client and advisor satisfaction, with a 4.9/5 client satisfaction score and multiple external recognitions for service and technology.
Financial highlights
Q3 2025 revenues grew 7% to $4.89 billion, with management and financial advice fees up 9%.
Adjusted operating net revenues excluding unlocking increased 6% to $4.6 billion, driven by asset growth.
Adjusted operating earnings per diluted share for the nine months ended September 30, 2025 were $28.46, up from $25.03 in the prior year period.
Over the last 12 months: revenues grew 7%, adjusted EPS up 12%, ROE up 210 bps, and $3.1 billion returned to shareholders.
Distribution expenses increased 11% year-over-year, while general and administrative expenses decreased 2% due to efficiency initiatives.
Outlook and guidance
Targeting an 85% payout ratio for Q4, maintaining strong capital return pace.
Management targets adjusted operating EPS growth of 12–15% and adjusted operating ROE over 30% on average over time.
Expecting low to mid single digit G&A growth for the full year.
Anticipate continued strong margins and stable cash balances, with positive sweep cash growth in Q4.
Operating effective tax rate expected to be 20–22% for full year 2025.
How did advisor departures affect AWM net flows?
Explain Asset Management net outflows despite strong performance.
Identify key drivers of overall G&A expense improvement.
Outlook on advisor recruiting competitiveness?
Bank reinvestment yield expectations?
Asset Management operational efficiency completion?
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Next Ameriprise Financial earnings date
Q4 202529 Jan, 2026
Next Ameriprise Financial earnings date
Q4 202529 Jan, 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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