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10-QPeriod: Q3 FY2025

AMERIPRISE FINANCIAL INC Quarterly Report for Q3 Ended Sep 30, 2025

Filed October 31, 2025For Securities:AMP

Summary

Ameriprise Financial, Inc. reported strong financial results for the nine months ended September 30, 2025, with net income increasing by 10% to $2.56 billion compared to the prior year period. Total net revenues grew by 6% to $13.52 billion, driven by a 9% increase in Management and financial advice fees. The company's Advice & Wealth Management segment saw a 3% rise in adjusted operating earnings, boosted by market appreciation and net inflows. The Retirement & Protection Solutions segment demonstrated robust growth with an 84% increase in adjusted operating earnings for the third quarter and a 26% increase year-to-date, largely due to favorable unlocking impacts, higher investment yields, and market appreciation. The Asset Management segment's adjusted operating earnings rose by 6% in the third quarter and 8% year-to-date, primarily driven by equity market appreciation and expense management. The company repurchased $3.7 billion of common stock during the nine months ended September 30, 2025, and announced a new $4.5 billion share repurchase authorization. Key financial metrics show continued strength, with total assets under management, administration, and advisement reaching $1.66 trillion, an 8% increase year-over-year. The company maintained a strong capital position and liquidity, with $9.6 billion in cash and cash equivalents (excluding CIEs and restricted cash) as of September 30, 2025. The effective tax rate for the nine months was 20.4%, slightly higher than the prior year's 20.0%.

Financial Statements
Beta
Revenue$4.89B
Operating Expenses$3.62B
Net Income$912.00M
EPS (Basic)$9.47
EPS (Diluted)$9.33
Shares Outstanding (Basic)96.30M
Shares Outstanding (Diluted)97.80M

Key Highlights

  • 1Net income for the nine months ended September 30, 2025, increased 10% year-over-year to $2.56 billion.
  • 2Total net revenues grew 6% year-over-year to $13.52 billion for the nine months ended September 30, 2025.
  • 3Advice & Wealth Management segment's adjusted operating earnings increased 3% year-over-year for the nine months, driven by market appreciation and net inflows.
  • 4Retirement & Protection Solutions segment's adjusted operating earnings surged 26% year-over-year for the nine months, benefiting from unlocking impacts and higher investment yields.
  • 5Asset Management segment's adjusted operating earnings grew 8% year-over-year for the nine months, supported by market appreciation and expense management.
  • 6Total assets under management, administration, and advisement reached $1.66 trillion, up 8% year-over-year.
  • 7The company repurchased $3.7 billion of common stock during the nine months ended September 30, 2025, and has a remaining authorization of $3.5 billion.

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