A franchise with a perfect Piotroski F-Score of 9 out of 9, 67% return on equity, 20% operating margins, a wide economic moat, and four consecutive earnings beats is priced attractively at roughly 9.7 times forward earnings—but the stock sits in a confirmed near-term downtrend with the slope of the 200-day average declining, an elevated put/call ratio, and just 2.3% headroom to the current price target, arguing for patience near the $442 noted entry level rather than adding at today's price.
Thesis pillars
- Attractive Forward Valuation↑Improving
- High Quality Wide Moat Franchise→Stable
- Four Quarter Earnings Beat Streak↓Deteriorating
- +2 more pillars — see the Why tab for full reasoning
Ameriprise Financial, Inc. (AMP) Stock Analysis
Oversold Bounce setup · Temporary headwind edge
Financial Services · Asset Management
Wait for pullback to $455.43. At $485.15 the A.R:R is 0.6:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $455.43 (Rr Min Solve Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 3.9%; Negative momentum.
Ameriprise Financial manages $1.7 trillion in assets under management, administration, and advisement across four segments: Advice & Wealth Management, Asset Management (Columbia Threadneedle, $721 billion), Retirement & Protection Solutions, and Corporate & Other. More than... Read more
Wait for pullback to $455.43. At $485.15 the A.R:R is 0.6:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $455.43 (Rr Min Solve Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 3.9%; Negative momentum. Chart setup: Oversold RSI 12, near Bollinger lower, volume surge. Wide-moat business. Accumulate on weakness. Score 5.9/10, moderate confidence.
Passes 5/8 gates (clean insider activity, news events none recent, earnings proximity 35d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.
About Ameriprise Financial, Inc.
About Ameriprise Financial, Inc.
Ameriprise Financial managed $1.7 trillion in assets under management, administration, and advisement at December 31, 2025—up from $1.5 trillion a year earlier—across four operating segments: Advice & Wealth Management, Asset Management (Columbia Threadneedle, $721 billion), Retirement & Protection Solutions, and Corporate & Other. More than 10,000 financial advisors anchor the U.S. wealth management franchise, and the company's investment management business holds a presence in 16 key global markets.
Ameriprise earns revenue across three primary business lines. Advice & Wealth Management collects fee-based revenues tied to client asset levels, financial planning fees, transaction fees, and distribution fees for affiliated and third-party products sold through four advisor channels—the Ameriprise Franchise Group, Advisor Group, Personal Wealth Group, and Financial Institutions Group. Asset Management earns management fees on $721 billion through the Columbia Threadneedle platform globally, with performance fees available on certain strategies. The Retirement & Protection Solutions segment earns fees on variable annuity contract and benefit-base values plus net investment income on general account assets; RiverSource annuities and insurance are distributed exclusively through the Ameriprise advisor network. A significant portion of Asset Management revenue derives from Columbia Management mutual fund management agreements terminable on 60 days' notice. The company reinsures portions of term life, disability income, universal life, long-term care, and annuity blocks through coinsurance and renewable-term arrangements with unaffiliated reinsurers.
Show full overview
Ameriprise's insurance, annuity, and banking products carry material sensitivity to interest rate fluctuations. The 10-K discloses that prolonged low rates could compress or invert spreads on long-term care and universal life with secondary guarantees, while rising rates could accelerate policy surrenders and annuity withdrawals as policyholders shift to higher-yielding alternatives—both scenarios partially hedged through derivatives. Structured variable annuity contracts carry index-linked account-value adjustments requiring derivative hedging; the 10-K notes that collateral requirements for the hedging program are market-sensitive and that certain environments, such as rising interest rates, may require access to more costly liquidity sources, weighing on profitability.
See also: Financial Services · Asset Management
From Ameriprise Financial, Inc.'s most recent 10-K filing, extracted June 9, 2026.
Recent developments
updated 2026-09-24Recent Developments — Ameriprise Financial, Inc.
Latest news
- NEWS William Jerryl Williams Sells 7,894 Shares of Ameriprise Financial (NYSE:AMP) Stock - MarketBeat — MarketBeat negative
- NEWS Ameriprise Financial wealth management president sells $8.6m in stock - Investing.com — Investing.com negative
- NEWS Ameriprise Financial(AMP.US) Officer Sells US$8.67 Million in Common Stock - Moomoo — Moomoo negative
- NEWS 5 Must-Read Analyst Questions From Ameriprise Financial’s Q2 Earnings Call - StockStory — StockStory neutral
- NEWS RBC Capital Remains a Buy on Ameriprise Financial (AMP) - The Globe and Mail — The Globe and Mail positive
Generated 2026-09-25T20:52:02Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMProductColumbia Management mutual funds10-K Item 1A: 'a significant portion of our revenue is derived from investment management agreements with the Columbia Management family of mutual funds'
Material Events(8-K, last 90d)
- 2026-05-20Item 5.02MEDIUMWilliam Davies, EVP and Global Chief Investment Officer of Ameriprise Financial, announced retirement effective June 30, 2026. No successor named in the filing.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $455.43. At $485.15 the A.R:R is 0.6:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $455.43 (Rr Min Solve Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 3.9%; Negative momentum. Chart setup: Oversold RSI 12, near Bollinger lower, volume surge. Wide-moat business. Accumulate on weakness. Target $504.13 (+3.9%), stop $424.09 (−14.4%), A.R:R 0.6:1. Score 5.9/10, moderate confidence.
Take-profit target: $504.13 (+3.9% upside). Target $504.13 (+3.9%), stop $424.09 (−14.4%), A.R:R 0.6:1. Stop-loss: $424.09.
Thin upside margin: 3.9%; Negative momentum.
Ameriprise Financial, Inc. trades at a P/E of 12.7 (forward 9.7). TrendMatrix value score: 7.4/10. Verdict: Buy (Wait for Entry).
20 analysts cover AMP with a consensus score of 3.7/5. Average price target: $579.
What does Ameriprise Financial, Inc. do?Ameriprise Financial manages $1.7 trillion in assets under management, administration, and advisement across four...
Ameriprise Financial manages $1.7 trillion in assets under management, administration, and advisement across four segments: Advice & Wealth Management, Asset Management (Columbia Threadneedle, $721 billion), Retirement & Protection Solutions, and Corporate & Other. More than 10,000 financial advisors distribute proprietary and third-party products to U.S. retail clients. Ameriprise Bank, FSB, converted in 2019, subjects the holding company to Federal Reserve supervision.