What is Ameriprise Finl Inc's earnings per share (EPS)?

Ameriprise Finl Inc (AMP) reported diluted earnings per share of $36.28 for fiscal year 2025. This represents a 9.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Ameriprise Finl Inc Financials

AMP

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Ameriprise Finl Inc (AMP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 19 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI AMP FY2025 2026-05-07

Ameriprise’s thin equity base over a huge asset pool and flat operating costs explain most of the earnings lift.

ROE above 54.4% in FY2025 looks exceptional until you pair it with ROA of just 1.9%; that gap shows returns are being amplified mainly by a very small equity layer over a very large balance sheet. From FY2023 to FY2025, debt-to-equity fell from 36.0x to 28.2x, so the business became somewhat less balance-sheet-stretched even as profitability recovered.

From FY2023 to FY2025, selling and administrative expense stayed near $3.9B while revenue rose to $18.5B, which means the recent earnings improvement came largely from fixed-cost absorption rather than a visibly larger operating footprint. That helps explain why net margin recovered from 16.5% to 19.3%.

The business is light on physical reinvestment: FY2025 capital spending was only $162M against operating cash flow of $8.3B, so cash generation is not being consumed by heavy upkeep spending. That left room for share count reduction; shares outstanding fell from 100.3M in FY2023 to 91.2M in FY2025, helping EPS rise faster than net income.

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Ameriprise Finl Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Ameriprise Finl Inc's revenue grew 7.0% year-over-year to $18.5B, a solid pace of expansion. This earns a growth score of 48/100.

Leverage

Ameriprise Finl Inc has elevated debt relative to equity (D/E of 28.15), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Ameriprise Finl Inc converts 44.2% of revenue into free cash flow ($8.2B). This strong cash generation earns a score of 100/100.

Returns

100

Ameriprise Finl Inc earns a strong 54.4% return on equity (ROE), meaning it generates $54 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is down from 65.0% the prior year.

Piotroski F-Score Neutral

5/9

Ameriprise Finl Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.34x

For every $1 of reported earnings, Ameriprise Finl Inc generates $2.34 in operating cash flow ($8.3B OCF vs $3.6B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$18.5B

YoY+7.0%

5Y CAGR+9.2%

10Y CAGR+4.2%

Ameriprise Finl Inc generated $18.5B in revenue in fiscal year 2025. This represents an increase of 7.0% from the prior year.

EBITDA

N/A

Net Income

$3.6B

YoY+4.8%

5Y CAGR+18.4%

10Y CAGR+8.6%

Ameriprise Finl Inc reported $3.6B in net income in fiscal year 2025. This represents an increase of 4.8% from the prior year.

EPS (Diluted)

$36.28

YoY+9.8%

5Y CAGR+24.4%

10Y CAGR+15.6%

Ameriprise Finl Inc earned $36.28 per diluted share (EPS) in fiscal year 2025. This represents an increase of 9.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$8.2B

YoY+27.1%

5Y CAGR+12.8%

10Y CAGR+12.3%

Ameriprise Finl Inc generated $8.2B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 27.1% from the prior year.

Cash & Debt

$11.2B

YoY+17.6%

5Y CAGR+4.6%

10Y CAGR+16.8%

Ameriprise Finl Inc held $11.2B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

91M

YoY-5.1%

5Y CAGR-4.8%

10Y CAGR-6.0%

Ameriprise Finl Inc had 91M shares outstanding in fiscal year 2025. This represents a decrease of 5.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

19.3%

YoY-0.4pp

5Y CAGR+6.4pp

10Y CAGR+6.5pp

Ameriprise Finl Inc's net profit margin was 19.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.4 percentage points from the prior year.

Return on Equity

54.4%

YoY-10.6pp

5Y CAGR+29.4pp

10Y CAGR+32.7pp

Ameriprise Finl Inc's ROE was 54.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 10.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.9B

YoY+18.8%

5Y CAGR+15.1%

10Y CAGR+5.3%

Ameriprise Finl Inc spent $2.9B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 18.8% from the prior year.

Capital Expenditures

$162.0M

YoY-8.0%

5Y CAGR+2.0%

10Y CAGR+2.0%

Ameriprise Finl Inc invested $162.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 8.0% from the prior year.

AMP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$18.5B+7.0%	$17.3B+11.1%	$15.5B+9.0%	$14.3B+6.6%	$13.4B+12.4%	$11.9B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$3.9B-0.7%	$3.9B+0.8%	$3.9B+4.0%	$3.7B+8.4%	$3.4B+10.1%	$3.1B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$941.0M+8.7%	$866.0M+27.7%	$678.0M-13.3%	$782.0M+1.8%	$768.0M+158.6%	$297.0M
Net Income	$3.6B+4.8%	$3.4B+33.1%	$2.6B-18.8%	$3.1B-7.8%	$3.4B+122.8%	$1.5B
EPS (Diluted)	$36.28+9.8%	$33.05+39.4%	$23.71-14.4%	$27.70-2.7%	$28.48+133.4%	$12.20

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$4.8B-3.0%	$5.0B+3.5%	$4.8B+9.5%	$4.4B+0.5%	$4.4B-3.3%	$4.5B+2.4%	$4.4B+4.2%	$4.2B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$918.0M-13.5%	$1.1B+11.6%	$951.0M+0.4%	$947.0M+3.4%	$916.0M-9.4%	$1.0B+3.7%	$975.0M+1.9%	$957.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$229.0M-19.4%	$284.0M+8.4%	$262.0M-10.0%	$291.0M+179.8%	$104.0M-63.0%	$281.0M+109.7%	$134.0M-39.6%	$222.0M
Net Income	$915.0M-9.2%	$1.0B+10.5%	$912.0M-14.0%	$1.1B+81.8%	$583.0M-45.6%	$1.1B+109.6%	$511.0M-38.4%	$829.0M
EPS (Diluted)	$9.68	N/A	$9.33-13.0%	$10.73+84.0%	$5.83	N/A	$5.00-37.7%	$8.02

AMP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$190.9B+5.2%	$181.4B+3.5%	$175.2B+10.3%	$158.9B-10.6%	$177.7B+7.1%	$165.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$11.2B+17.6%	$9.5B+10.1%	$8.6B-1.5%	$8.8B-8.5%	$9.6B+7.5%	$8.9B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	$403.0M
Goodwill	$1.4B+2.8%	$1.4B-0.6%	$1.4B+1.5%	$1.4B-4.7%	$1.5B+24.0%	$1.2B
Total Liabilities	$184.4B+4.6%	$176.2B+3.4%	$170.5B+9.9%	$155.0B-10.3%	$172.9B+8.1%	$160.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$6.5B+25.3%	$5.2B+10.6%	$4.7B+24.3%	$3.8B-21.4%	$4.8B-21.1%	$6.1B
Retained Earnings	$27.7B+11.9%	$24.7B+12.8%	$21.9B+10.0%	$19.9B+15.0%	$17.3B+13.3%	$15.3B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$184.4B-3.4%	$190.9B+0.4%	$190.1B+2.8%	$184.9B+3.3%	$179.1B-1.3%	$181.4B-2.5%	$186.0B+3.5%	$179.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$9.4B-15.8%	$11.2B+1.9%	$11.0B+14.0%	$9.6B+7.3%	$9.0B-5.6%	$9.5B-16.6%	$11.4B+28.7%	$8.8B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$1.4B	N/A	N/A	N/A	$1.4B	N/A	N/A
Total Liabilities	$178.2B-3.3%	$184.4B+0.4%	$183.6B+2.7%	$178.8B+3.0%	$173.6B-1.4%	$176.2B-2.3%	$180.3B+3.2%	$174.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$3.1B	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$6.2B-5.1%	$6.5B+1.5%	$6.5B+6.1%	$6.1B+12.1%	$5.4B+3.8%	$5.2B-8.5%	$5.7B+14.5%	$5.0B
Retained Earnings	$28.4B+2.8%	$27.7B+3.2%	$26.8B+2.9%	$26.1B+3.6%	$25.1B+1.8%	$24.7B+3.9%	$23.8B+1.5%	$23.4B

AMP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$8.3B+26.2%	$6.6B+40.8%	$4.7B+6.3%	$4.4B+32.5%	$3.3B-28.1%	$4.6B
Capital Expenditures	$162.0M-8.0%	$176.0M-4.3%	$184.0M+1.1%	$182.0M+51.7%	$120.0M-18.4%	$147.0M
Free Cash Flow	$8.2B+27.1%	$6.4B+42.6%	$4.5B+6.5%	$4.2B+31.8%	$3.2B-28.4%	$4.5B
Investing Cash Flow	-$1.5B-177.3%	-$551.0M+94.1%	-$9.3B+31.8%	-$13.6B-210.1%	-$4.4B-51.3%	-$2.9B
Financing Cash Flow	-$5.2B+0.2%	-$5.2B-217.1%	$4.4B-47.7%	$8.4B+389.3%	$1.7B+81.0%	$952.0M
Dividends Paid	$596.0M+3.8%	$574.0M+4.4%	$550.0M+3.0%	$534.0M+4.5%	$511.0M+2.8%	$497.0M
Share Buybacks	$2.9B+18.8%	$2.4B+15.1%	$2.1B+7.5%	$2.0B-2.6%	$2.0B+40.9%	$1.4B

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$459.0M-82.8%	$2.7B+21.1%	$2.2B+24.9%	$1.8B+4.6%	$1.7B+340.2%	$383.0M-87.4%	$3.0B+77.2%	$1.7B
Capital Expenditures	$29.0M-34.1%	$44.0M0.0%	$44.0M+15.8%	$38.0M+5.6%	$36.0M-37.9%	$58.0M+18.4%	$49.0M+188.2%	$17.0M
Free Cash Flow	$430.0M-83.6%	$2.6B+21.5%	$2.2B+25.1%	$1.7B+4.6%	$1.6B+407.7%	$325.0M-89.2%	$3.0B+76.1%	$1.7B
Investing Cash Flow	-$669.0M+58.0%	-$1.6B-258.7%	$1.0B+25.2%	$802.0M+146.1%	-$1.7B-122.3%	-$783.0M-223.3%	$635.0M+282.5%	$166.0M
Financing Cash Flow	-$1.5B-77.5%	-$871.0M+53.1%	-$1.9B+4.2%	-$1.9B-297.5%	-$488.0M+66.5%	-$1.5B-24.3%	-$1.2B-6.3%	-$1.1B
Dividends Paid	$148.0M-0.7%	$149.0M-1.3%	$151.0M-0.7%	$152.0M+5.6%	$144.0M0.0%	$144.0M-0.7%	$145.0M-1.4%	$147.0M
Share Buybacks	$874.0M-2.3%	$895.0M+27.7%	$701.0M+20.7%	$581.0M-20.4%	$730.0M+9.8%	$665.0M+14.3%	$582.0M+1.6%	$573.0M

AMP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	19.3%-0.4pp	19.7%+3.3pp	16.4%-5.6pp	22.1%-3.5pp	25.5%+12.7pp	12.9%
Return on Equity	54.4%-10.6pp	65.0%+11.0pp	54.0%-28.7pp	82.8%+12.2pp	70.6%+45.6pp	25.0%
Return on Assets	1.9%0.0pp	1.9%+0.4pp	1.5%-0.5pp	2.0%+0.1pp	1.9%+1.0pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	28.15-5.5	33.70-2.3	36.05-4.7	40.77+5.0	35.74+9.6	26.10
FCF Margin	44.2%+7.0pp	37.2%+8.2pp	29.0%-0.7pp	29.6%+5.7pp	24.0%-13.7pp	37.6%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	19.0%-1.3pp	20.3%+1.3pp	19.0%-5.2pp	24.2%+10.8pp	13.4%-10.4pp	23.8%+12.2pp	11.6%-8.0pp	19.6%
Return on Equity	14.7%-0.7pp	15.4%+1.3pp	14.1%-3.3pp	17.4%+6.7pp	10.7%-9.8pp	20.5%+11.6pp	8.9%-7.7pp	16.6%
Return on Assets	0.5%-0.0pp	0.5%+0.1pp	0.5%-0.1pp	0.6%+0.2pp	0.3%-0.3pp	0.6%+0.3pp	0.3%-0.2pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	28.69+0.5	28.15-0.3	28.45-1.0	29.40-2.6	32.00-1.7	33.70+2.2	31.54-3.4	34.99
FCF Margin	8.9%-44.0pp	52.9%+7.8pp	45.1%+5.6pp	39.5%+1.6pp	37.9%+30.7pp	7.2%-61.0pp	68.2%+27.9pp	40.4%

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Frequently Asked Questions

What is Ameriprise Finl Inc's annual revenue?

Ameriprise Finl Inc (AMP) reported $18.5B in total revenue for fiscal year 2025. This represents a 7.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Ameriprise Finl Inc's revenue growing?

Ameriprise Finl Inc (AMP) revenue grew by 7% year-over-year, from $17.3B to $18.5B in fiscal year 2025.

Is Ameriprise Finl Inc profitable?

Yes, Ameriprise Finl Inc (AMP) reported a net income of $3.6B in fiscal year 2025, with a net profit margin of 19.3%.

What is Ameriprise Finl Inc's net profit margin?

Ameriprise Finl Inc (AMP) had a net profit margin of 19.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Ameriprise Finl Inc's return on equity (ROE)?

Ameriprise Finl Inc (AMP) has a return on equity of 54.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Ameriprise Finl Inc's free cash flow?

Ameriprise Finl Inc (AMP) generated $8.2B in free cash flow during fiscal year 2025. This represents a 27.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Ameriprise Finl Inc's operating cash flow?

Ameriprise Finl Inc (AMP) generated $8.3B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Ameriprise Finl Inc's total assets?

Ameriprise Finl Inc (AMP) had $190.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Ameriprise Finl Inc's capital expenditures?

Ameriprise Finl Inc (AMP) invested $162.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Ameriprise Finl Inc buy back shares?

Yes, Ameriprise Finl Inc (AMP) spent $2.9B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Ameriprise Finl Inc have outstanding?

Ameriprise Finl Inc (AMP) had 91M shares outstanding as of fiscal year 2025.

What is Ameriprise Finl Inc's debt-to-equity ratio?

Ameriprise Finl Inc (AMP) had a debt-to-equity ratio of 28.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Ameriprise Finl Inc's return on assets (ROA)?

Ameriprise Finl Inc (AMP) had a return on assets of 1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Ameriprise Finl Inc's Piotroski F-Score?

Ameriprise Finl Inc (AMP) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Ameriprise Finl Inc's earnings high quality?

Ameriprise Finl Inc (AMP) has an earnings quality ratio of 2.34x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Ameriprise Finl Inc?

Ameriprise Finl Inc (AMP) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.