Short answer
Ameriprise Financial (AMP) filed its fiscal 2025 10-K annual report with the SEC on Feb 19, 2026. It reported revenue of $18.9B (+5.5% year over year) and net income of $3.6B.
- Top risk flagged: Regulatory legal risk: Federal Reserve Board final rule "Building Block Approach" on consolidated capital framework for insurance-engaged savings and loan holding companies, effective October 2023
FY2025 key financial metrics · XBRL
- Revenue
- $18.9B
- +5.5% YoY
- Net income
- $3.6B
- +4.8% YoY
- EPS (diluted)
- $36.28
- +9.8% YoY
- ROE
- 54.4%
- −10.6 pp YoY
- Operating cash flow
- $8.3B
- +26.2% YoY
Source: XBRL data from the Ameriprise Financial (AMP) FY2025 10-K on SEC EDGAR. USD.
Ameriprise Financial FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Financial services focusing on wealth management, asset management, and insurance through subsidiaries
- Emphasized expanded equity in earnings of subsidiaries: $4,178 million in 2025 vs $4,046 million in 2024
- Strategic focus on equity investments with parent company’s investments in subsidiaries growing from $6.91 billion to $8.02 billion year-over-year
- Notable metric: Net income increased to $3,563 million in 2025 from $3,401 million in 2024, driven by subsidiary performance
- Unusual fact: Parent company made three separate $30 million cash contributions to Ameriprise Advisor Capital, LLC in January 2026
Management Discussion & Analysis
- Share repurchases 1.88 million shares Q4 2025, avg price $477.08, $2.61B remaining authorized under $4.5B program through June 2027
- Previous repurchase authorization of $3.5B exhausted by Q2 2025
- Employee stock withheld 17,768 shares valued avg $479.00 for tax withholding
- No revenue, profitability, segment performance, or cash flow details disclosed in this section
- No forward-looking guidance or risk commentary provided in this excerpt
Risk Factors
- Regulatory legal risk: Federal Reserve Board final rule "Building Block Approach" on consolidated capital framework for insurance-engaged savings and loan holding companies, effective October 2023
- Macroeconomic threat: $31.7B Asset Management net outflows in 2025, including $3.9B U.S. real estate product outflows, impacting revenue stability
- Operational vulnerability: Outflows from Ameriprise Certificate Company deposits down $3B; prolonged net outflows in ACC over eight quarters affecting liquidity
- Competitive risk: Large institutional client shift to passive strategies causing $22.1B net outflows in global institutional assets under management
- Financial risk: $500M long-term debt maturing in September 2026 with $7.8B investment certificate maturities and $2.9B insurance/annuity benefits due in 2026
Generated from the filing text; verify against the original. How to read a 10-K
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