Ameriprise Financial (AMP) FY2025 10-K Annual Report
Ameriprise Financial (AMP) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 19, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Ameriprise Financial FY2025 10-K Analysis
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
Ameriprise Financial FY2025 Key Financial MetricsXBRL
Revenue
$18.9B
▲ +5.5% YoY
Net Income
$3.6B
▲ +4.8% YoY
Net Margin
18.8%
▼ -13bp YoY
ROE
54.4%
▼ -1065bp YoY
Total Assets
$190.9B
▲ +5.2% YoY
EPS (Diluted)
$36.28
▲ +9.8% YoY
Operating Cash Flow
$8.3B
▲ +26.2% YoY
Source: XBRL data from Ameriprise Financial FY2025 10-K filing on SEC EDGAR. All figures in USD.
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